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

To Whom It May Concern : Upon reviewing my credit report, I have identified certain erroneous item ( s ) that require your attention : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

19. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

21. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

22. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

23. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Mortgage

DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX  who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request. 
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXX customer service representative. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXX customer service representative XXXX 

I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and inquiries that have been reported on my credit file. As a victim of identity theft resulting from a data breach, I request the immediate blocking and deletion of all accounts and inquiries listed below, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX  - Account # : XXXX - XX/XX/XXXX - {$4800.00} XXXXXXXX XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$2300.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  XXXX - Account # : XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX XXXX  - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$1900.00} XXXX. XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$3600.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$4200.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$930.00} XXXX. XXXX - Multiple accounts from XX/XX/XXXX XXXX  XX/XX/XXXX totaling {$650.00} Fraudulent Inquiries XXXX. XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Mortgage

It 's very lengthy. To start my loan was being serviced by XXXX XXXX XXXX, after 5-6 years of trying to get a modification, 2 short-sales, than deed in lieu, we finally decided to do deed in lieu, they offered me {$10000.00} for cash for keys. ( Please note that I had a cash buyer through the short-sale and they ( mortgage company ) would not sign the papers in a timely manner and the people walked from the deal twice! ) After going through months of trying to close on the deed in lieu though XXXX XXXX XXXX ( XXXX ), my loan was transferred to Bayview Loan Servicing. They picked up where XXXX left off on the deed in lieu, but they said I could not get {$10000.00} it would be {$3500.00}. 1/2 when I sign the papers and 1/2 will be mailed to me. After months of going through the same procedures with them I was told the deed in lieu was approved, in XXXX, 2017. I signed the papers in XXXX, 2017 and they sent a notary to the house, they said he would have the check in hand, and I would have to sign for it, he did not have the check. To date I have not received any money from them. I followed all their instructions and they will not return my calls. The last I heard it was coming in the mail. Also I have not received any final papers saying the house was transferred out of my name and back to the bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a debt listed on my credit file, as it has become an undue hardship, affecting my ability to secure necessary financial resources. 

This debt is causing significant strain on my financial situation, impacting my access to essential goods and services. Despite my efforts, the presence of this debt on my credit report hinders my capacity to move forward and establish financial stability. 
XXXX XXXX  falsely advertised the BA program and changed it over time so that I could not obtain my degree because of the XXXX in loans that I racked up going to this school and still no degree. I completed XXXX credit hours and they changed the program and advised me that I would have to start over,. 

Additionally, I have pending a Borrower 's Defense application related to this debt, which I believe was incurred due to the XXXX XXXX  failure to provide an expected standard of education/service. 

I kindly request your understanding and action to remove or reconsider this debt in light of the undue hardship it imposes. I am willing to provide any additional information or documentation needed to facilitate your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft! This have drove me into XXXX, and XXXX  state of mind! It is unfair to my family and love ones that this have impacted my life. Im asking for all inaccuracies removed immediately as it is unfair to me and by law ILLEGAL!
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report which I don't recognize. I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting or other personal consumer reports

It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un-valid Inquirys on my Report that are not recognized by EXPERIAN in XXXX of 2021.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Checking or savings account

Wells Fargo called me Friday XXXX about transactions that look wrong. They were. We cancelled my atm card and they were going to issue a new one that would be sent fed ex in 1-3 business days. On Monday, I had XXXX transactions on my account with a different atm card ( that I had not received yet ) that they approved... XXXX were cash and XXXX was XXXX XXXX. totaling over {$1400.00} even though I had not signed off on a new card from fedex or would have even received it and then travel over 2000 miles away to Florida to do XXXX atm withdraws. They are stating that even though it is their error. I must wait XXXX business days for them to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal loan servicer ( Great Lakes ) automatically enrolled my account in the CARES act, suspending my monthly student loan payments until XXXX XXXX, 2020. On XX/XX/XXXX, I noticed my credit scores with XXXX  & XXXX  both tanked by 40-50 points -- the only difference in any account payments has been my student loans. There was no indication from my loan servicer that this AUTOMATIC ENROLLMENT into the student loan forbearance program would sabotage my credit score - I would have opted out immediately had I known.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit card

I consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Mortgage

I am a XXXX XXXX vet trying to get loan thru usa mortgage XXXX out of XXXX mo its a va loan and they keep screwing me over I believe they are screwing me around because I am a XXXX vet with that as my only income I have good credit and always done what they ask and provided everyrthing they ask they will not give me reason for denial or give me answer if I got if I got loan it has been months there is no reason for them to treat me like a piece of XXXX and not do what they said they would do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX have reported a 60-day late payment indicator on my credit report with the creditor, ( Navient ), which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$10000.00}, which the account was opened XX/XX/2011. I have never paid 30-days late and when I contacted Navient, they said that their system is not showing it and that I am current and they did not report that 60-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act, the list of accounts below have violated my federally protected consumer rights privacy and confidentiality under USC 1681. 
Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX  Have violated my rights per 15 U.S.C 1681 section 602A, I have the right to privacy 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my instruction.

15 USC 1681c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other andverse item of information, other than records of conviction of crimes which antedates the report by more than 7years.

15 USC 1681 s-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 the believe that the information is inaccurate.
Product: Debt collection

This debt is not mine it 's my daughter, I spoke with XXXX @ XXXX and was told that this debit should be my daughters XXXX for her child XXXX but somehow it was on my report, The young lady by the name of XXXX states she would have this debt removed but it still on my credit report from IC Systems.
Product: Checking or savings account

On XX/XX/18 there was {$230.00} in my checking account with PNC Bank. On XX/XX/18, there were three ACH debits which hit the account as " Pending ; '' {$72.00} for XXXX XXXX which was due and payable on XX/XX/18, {$120.00} for XXXX XXXX also due and payable on XX/XX/18 and {$430.00} for XXXX  with a due and payable date of XX/XX/18. There was sufficient funds to cover two of these transactions, the {$72.00} for XXXX XXXX Bank and {$120.00} for XXXX XXXX, however, PNC posted the transactions in a manner which I was charged 3 overdraft fees instead of 1 ( the account was overdrawn due to the pending transaction for {$430.00} ). I requested the reimbursement of {$72.00} representing the excess overdraft fees assessed to my account and PNC has yet to rectify the situation.