23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented : Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX
Product: Student loan

This company seems to have knowledge of my credit history and credit score.she frequents me on social media despite deficits in communication. I have asked her to discontinue communication. She seems to have my identification as well.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX ], Account # XXXX XXXX I am writing to formally request that you reinvestigate the disputed information on my credit report pursuant to **15 U.S.C. 1681i ( a ) ( 2 ) ( D ) **. I have recently reviewed my credit report and identified information that I believe is inaccurate or incomplete. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute these discrepancies and request that they be thoroughly investigated.

Under 15 U.S.C. 1681i ( a ) ( 2 ) ( D ), I understand that you are required to : 1. **Notify the furnisher of the disputed information** within a reasonable time frame.

2. **Conduct a reasonable reinvestigation** into the disputed information.

3. **Ensure that the disputed information is accurate** or, if not, delete or correct it.

I request that you provide me with the results of your reinvestigation, including any actions taken to address my concerns. If the disputed information is found to be inaccurate or incomplete, I expect that it will be corrected or removed from my credit report as required by law. 

Please confirm receipt of this letter and notify me of the steps you will be taking in accordance with the provisions of the Fair Credit Reporting Act. I look forward to your prompt attention to this matter and a resolution within the time frame prescribed by the FCRA. 

Thank you for your cooperation. Should you need any additional information, please do not hesitate to contact me. This account was deleted and still showing on my credit report and hasnt been updated with XXXX or XXXX
Product: Mortgage

Ally Bank has been acting in bad faith regarding request for loan assistance. They have denied us access to monthly fees incurred. Additionally, they have denied receiving documents from us that are clearly shown as received on their portal. They do not allow us to speak with anyone regarding our loan nor regarding our request for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry from XXXX on my credit Experian report and called Experian to dispute the inquiry as fraud/identity theft Experian stated since a relative added me to their XXXX card as an authorized user within 30 days that the inquiry was not fraud even though a hard inquiry is not necessary to add an authorized user to an XXXX credit/charge card. 

I further educated the representative XXXX at Experian that the inquiry was indeed fraudulent. XXXX stated that based on Experians policy that he could not remove the inquiry. Pursuant to 15 USC 1681a any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Also, pursuant to 15 USC 1681b consumer reporting agencies may only furnish this information with my written permission which they do not have. 

I did not consent to, authorize, nor benefit from any of the following inquiries, block and remove them immediately : XXXX
Product: Mortgage

On XX/XX/ I sent Loan Depot the following Letter : ''I would like to pay for my own Property Taxes. This way, I will not have surprises from LoanDepot regarding a shortage in my Escrow. I have been dutifully paying them on time. Thus far, from my calculations, I am in the positive of ( {$390.00} ) in my Escrow account, but your analysis are saying that I have a negative Escrow of XXXX. I have paid into Escrow for the past 10 months. I have been paying XXXX in Escrow monthly. The analysis sheet sent to me on XXXX XXXX XXXX indicates that I have been only paying {$470.00}. They are claiming a shortage of {$30.00}. Which, I have been paying. In conclusion, because I can no longer trust the analyses that are being sent to me ( in order to bill me a shortage of {$1800.00} ), which is ludicrous, I will pay for my own taxes. Therefore, I can not be sent unscrupulous billing from Loan Depot. 

Also, you have an erroneous amount for my XXXX taxes. What is due is {$1400.00}, which I would like to pay myself. Thank you in advance. '' They also are trying to charge me for RBP, which stands for RISK BASE PRICING, which I googled and found out that this is illegal. I am already paying a mortgage insurance in my Escrow and this should cover any problems in my Escrow. I have never been late on my mortgage or Escrow so what is their problem? Even though, my taxes and insurance have increased there is enough money collected out of my Escrow to cover the costs. After looking at how much I paid in Escrow and how much all of my Escrow came to I would be short approx. {$31.00}. I paid {$6000.00} in Escrow and the total that needs to be paid out at the end of the year is {$6000.00}. Why do they need {$1800.00} claiming a shortage of this amount. 

Thank you in advance for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to you with a matter of extreme urgency regarding fraudulent items that have appeared on my accounts with your company. It is imperative that immediate action be taken to rectify this situation, as the presence of these unauthorized charges poses a severe threat to my financial security and well-being. 

The consequences of these fraudulent activities are dire and extend far beyond financial losses. They have compromised my trust in your company 's ability to safeguard my personal information and protect against fraudulent transactions. Additionally, the prolonged presence of these unauthorized charges is disrupting my ability to manage my finances effectively and is eroding my confidence in your company 's commitment to customer satisfaction. 

Given the gravity of this situation, I am urgently requesting the following actions be taken : Immediate removal of all fraudulent items and unauthorized charges from my accounts.

Thorough investigation into the origin and nature of these fraudulent transactions to prevent recurrence and identify potential security vulnerabilities.

Provision of compensation for any financial losses incurred as a result of these fraudulent activities, including reimbursement for fees and penalties.

Assurance that robust security measures will be implemented to safeguard my accounts and prevent future incidents of fraud.

Regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 
I can not overstate the urgency of this request. Every moment that these fraudulent items remain on my accounts increases the risk of further financial harm and undermines my trust in your company. Therefore, I implore you to prioritize this matter and take immediate action to address it. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On XXXX/XXXX/XXXX I received a letter from Frost-Arnett Company at XXXX XXXX XXXX, XXXX, TN XXXX saying that I owed a debt that I do n't believe I owed. I sent them a letter, certified with return receipt requested that asked for validation of the debt and also in the letter they were told to cease and desist all contact. According to the return receipt and the tracking info on aimed by the XXXX, they received the letter on XXXX/XXXX/XXXX and was signed by someone in their office. They continued to call. They called on XXXX/XXXX/XXXX and continued to harass me from a Kentucky number at XXXX : XXXX. ON XXXX/XXXX/XXXX I received a letter from same company. In a false attempt to verify, not validate, the debt they had access to important personal medical records with procedures and procedure codes on it that I thought was a hippa violation. I do n't feel comfortable with them having access to my medical records.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of this, and the company proceeded without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, my rights 15 U.S.C 1681 section 602 A States I have the right to privacy . 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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Product: Checking or savings account

someone opened a business account with a found bank in my name using my social security number i cant get into the account because its not linked to a email or a number i need found bank to close this account immediately i have fraud alert on my reports and no one called to verify close this account immediately i can be reached at XXXX XXXX or email XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a credit card with chase bank and I bought something off a site that was fraudulent. I never received the package and the provided a fake tracking number that I heard is a scam now. I disputed with chase and they closed it in favor of the merchant. I called customer service several times to let them know I have proof through XXXX informed delivery and they told me to submit it and a letter saying I never received the package. I just called because it's been past a week and they still have ruled in my favor and were giving the run around to submit it through fax because I sent it through their secure messaging system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware that late payments was reported to this account. I disputed it on XX/XX/2021. I thought it would be a quick fix being that I've never made a payment late. It was not! To my surprise an authorized representative of Local Loans reported to XXXX  that the late payments were correct. 
I mailed Local Loans 2 separate notices to properly validate their claim of actual late payments. 
I would like for Local Loans to provide proof of any late payments to assist with correcting this error, or remove their account if choosing not to correct the late payment error. 

I will upload proof of error also
Product: Student loan

I applied for loan forgiveness under the XXXX option. I provided documents showing that I became XXXX in XXXX and had a review in XXXX. Accordingly to the description for applying, under XXXX-one has to be XXXX at least 5 years, which I provided documentation proving. I was repeatedly told " this information is not sufficient ''. I was asked to get a specific printout, from social security. I did that and was told " this information is not sufficient ''. I provided everything that was required, I am a XXXX individual and was denied discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not care about FCRA violations. I disputed an account with them on XX/XX/2021 regarding a Collections Account I had no knowledge of, with a company called XXXX XXXX. They finished their investigation ( report # XXXX ) and concluded that the account would remain. Frustrated, I uploaded documents showing that I had sent correspondence to Amsher through their online portal, through e-mail, and through physical US mail requesting debt validation. Experian ignored the fact that XXXX refuses to respond to my requests for debt validation, they also refuse to acknowledge that XXXX violated my FCRA rights by giving me no notice of this debt, at all, in any form, and have decided that this account should remain on my credit report. I request that Experian be held accountable for these bad practices.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> :
Product: Credit card or prepaid card

I have a loan with BLOOM/DSNB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BLOOM/DSNB with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 120 days late.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified that there was a collection by CONVERGENT OUTSOURCING on my XXXX credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXX filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to XXXX for investigation and verification. After investigation the credit reports for XXXX was updated and the collection was removed. I have since locked all three credit files ; XXXX, XXXX and Transunion. I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX XXXX. I immediately called XXXX and the collection was removed the same day. On XX/XX/XXXX the same collection reappeared on my XXXX report. Once again XXXX investigated and once again this fraudulent charge was removed. 

On XX/XX/XXXX, this fraudulent charge ONCE AGAIN REAPPEARED! I contacted XXXX and they indicated that the previous investigations were no longer in their data base. Pretty incredible since this was a case of identity theft, and a statement was added to my credit file indicating that I was the victim of identity theft! 

The new fraudulent charge was submitted by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX MN XXXX. This company has also re-aged this fraudulent charge to make it appear as if this is a current account! This is a violation of the Fair Debts Collection Practices Act ( FDCPA ).
Product: Mortgage

I have been trying to correct this mortgage issue of mine for many many years and each time I get closer to getting it done Mr Cooper hits me with some other discriminatory and predatory tactic against XXXX veterans. 

I filed a claim through this site maybe 6 months or a year ago things seem to be on a good path and then last XX/XX/XXXX with my Mr Cooper representative XXXX XXXX we submitted another complete application for modification and Mr Cooper all they had to do was apply me to the veteran rules and the XXXX or whatever else the VA has said many times they will pre-approved any problem with my loan that's how much trust they have in me and so on XX/XX/XXXX when I applied for one last final and complete time, Mr. COOPER had all the way until XX/XX/XXXX of XXXX to get me into the XXXX or whatever programs would allow me to get a new loan even just a straight Plain XXXX 40-year loan with or without the XXXX I don't know how that works but I know I was eligible and then one week ago I'll say XX/XX/XXXX I was informed by Mr Cooper that I was denied this last application for modification and the ONLY reason was because the delinquency requirement maximum is 6 months under the XXXX  apparently, well when she told me last week I was 61 months delinquent. 

I couldn't believe it my head just about turned inside out! COOPER had my application from XX/XX/XXXX all the way until XX/XX/XXXX and they couldn't get it approved and then they notify me 19 days after the closing of the program that I'm not eligible because I'm one month over the maximum delinquency months for this program even though when we started Sep. XXXX XXXX, I was 5 months under. 
This is unacceptable practices against a XXXX veteran and I am going to point that out as my lawsuit against Mr Cooper continues. 

I do not accept this recent egregious discriminatory and predatory loan method against XXXX veterans. 

I'm an XXXX  and I will get law involved this is discriminatory Behavior predatory behavior against XXXX veterans that need help and need a house there's no reason why Mr Cooper can not assist me and work with me instead of constantly working against me and they drugged their feet for 4 months 5 months drug their feet and then one week ago in XXXX of XXXX they tell me I am ineligible for this modification because I am 61 months in delinquency when they can only allow 60. Well when I applied in XX/XX/XXXX of XXXX I was about 55 months delinquent I had extra months and Mr Cooper wasted those months and decided to come out after the deadline had ended and tell me oh gee sorry we're so sorry you don't qualify that is unacceptable and I will take it as high in the court system as I need to I am tired of Mr Cooper doing this to me I'm only one little guy For Heaven 's Sake fix my loan so that I can pay it get me the right rules that apply to me and talk to the VA they have approved every pre-approval known to man.
Product: Debt collection

Original Creditor ( XXXX XXXX  ) charged off and closed account then sold it to another company ( NCB Managment ). The other company has filed a collection and is reporting on my credit report as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 different companys ran my credit without my permission