23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After being activated with the Florida XXXX XXXX XXXX in response to the COVID-19 pandemic I saw a 50 % decrease in income while also going through a divorce. I filed for relief under the CARES ACT. 
- On XX/XX/XXXX, I signed the enclosed modification agreement for a partial claim with the VA. Payments were due to resume the following month, on XX/XX/XXXX. This is the second time modification paperwork was filed ; the first dates to XXXX of the previous year. The first modification did not get approved by the VA because Wells Fargo had the wrong address, but still recorded it with the county. Through several calls and hours of personal time taken to call Wells Fargo asking if/when it was safe to resume payments, I contacted the VA to gather additional information. This is where I learned that the original XXXX paperwork still needs to be filed with the state, never approved/signed off by the VA. Our house had gone up for sale as my soon-to-be ex and I agreed to sell the home tied to this loan as part of our divorce process. The house sold and was closed on quickly ( XX/XX/XXXX ), On XX/XX/XXXX, the enclosed payoff letter was obtained through Wells Fargo. The mortgage portion of the payoff due to Wells Fargo was {$250000.00}. That, plus the amount due to pay off the VA partial claim, totaled {$260000.00} to pay off all liens on the property. The closing took place on XX/XX/XXXX. The total payoff was wired to Wells Fargo on XX/XX/XXXX, and the loan reflected as PAID IN FULL. All of this leads to the reason for the complaint. I went under contract to purchase a new home. I had obtained pre-approval before the account was reported as paid to the credit bureaus. My loan officer told me that once Wells Fargo zeroed out with the bureaus, shed update the credit to reflect the account being paid in full. On XX/XX/XXXX, my credit was updated, and the mortgage with Wells Fargo showed a late marker that varied with each bureau. XXXX reported the MOP code XXXX, 180 days or more past due for XXXX. XXXX reported the MOP code XXXX, account is at least 120 days overdue but is not yet rated XXXX. XXXX reported the MOP code XXXX, 120 days or more past the due date. This has now disqualified me from my mortgage and jeopardized my deposit. The VA partial claim information on the VAs website said that the partial claim has no impact on my credit. 

XXXX XXXX XXXX the wrong address on the first Modification paperwork, but still recorded the lien on behalf of the VA XXXX without the approval of the VA XXXX 
XXXX XXXX XXXX not remove the erroneous lien after discovering the error. They have now, but after countless hours and calls from me. 
XXXX XXXX XXXX XXXX & XX/XX/XXXX late when the home closed on XX/XX/XXXX, and were paid in full XX/XX/XXXX.
Product: Credit reporting

Experian keeps posting incorrect name and date of birth and this effects people looking at credit report. It makes it seems I use other identification and I have never used the information they use. See attached is copy of report shown and it shows XXXX XXXX XXXX and date of birth of XXXX/XXXX/1958. My name is XXXX XXXX XXXX with DOB XXXX/XXXX/1958. 
Three months of trying to get it corrected by them has been waste of time, they ignore all request to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

since the beginning of XXXX of 2022 I sent correspondence every month asking for this company to validate this debt by sending the original agreement and a audit trail of all interactions with this company. I understand that this is my right as a consumer to request this information and if it is not sent to me i have the right to request this account be completely removed. The company continues to send automated correspondence of them acknowledging that they received my request as if my info is being read from a computer not a person.
Product: Credit reporting or other personal consumer reports

I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting and FCRA Violations Dear XXXX, XXXX, and TransUnion, I am writing to dispute the inaccurate information being reported on my credit report regarding my XXXX XXXX account. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has significantly impacted my creditworthiness. 

There are inconsistencies in reporting between TransUnion and XXXX regarding my last payment date for the XXXX XXXX account. TransUnion states it was XX/XX/2022, while XXXX claims it was XX/XX/2022. Additionally, there is a discrepancy in the reporting of my XXXX, XXXX, and XXXX late payments, with TransUnion reporting them as XXXX while XXXX provides different information. 

This inconsistency has caused confusion and undue harm to my credit profile. I have diligently collected evidence through XXXX XXXX to substantiate these claims, and I urge you to conduct a thorough investigation into this matter. It is imperative that this inaccurate information be rectified promptly to restore the integrity of my credit report and ensure fair and accurate reporting. 

I request transparency throughout the investigation process and timely communication regarding the steps being taken to resolve this dispute. Failure to address this matter will leave me no choice but to pursue further legal action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

My bank account was hacked so I couldnt pay my monthly credit card payment. 

They are charging me {$400.00} per month late and junk fees each month, total is now over {$2000.00} in these junk fees. 

I am out of work and have no way to pay so I asked if I could pay {$100.00} until paid off. 

They said no. 

I dont know what to do
Product: Credit reporting or other personal consumer reports

I have asked for the incorrect information to be removed from my reports and they have not removed any inaccurate information. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My employer is XXXX XXXX XXXX located in XXXXXXXX XXXX XXXX XXXXXXXX. I have provided the credit bureaus with my correct information and they have not removed any inaccurate information. I would like for them to remove the inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is unknown to me : XXXX XXXX XXXX - XX/XX/2019. Please investigate and delete.
Product: Credit reporting or other personal consumer reports

They have a bankruptcy on my report and I got a letter from my states saying they don't report to no credit bureau and I want it removed immediately
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 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

Experian is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Experian credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Product: Credit reporting or other personal consumer reports

This account was supposed to be removed from my credit report. XXXX XXXX XXXX sold this account to a collection agency, and XXXX XXXX XXXX keeps verifying this account that they don't have any more.
Product: Payday loan, title loan, or personal loan

This is in regards to the XXXX Loan Program. I had the insulation in my home redone and the contractor suggested this new program in XXXX of 2016. Sounded good as it put people to work and possibly tax deductible. Was not told that payments would not be made in the first year which leads to a negative amortization situation over the first years of the program. We owe more now than what we actually paid for the service and have made two years of payments. In the payoff statement I am including, the company is asking for {$2100.00} in interest payments for 2 months. The initial service was only {$7200.00}. 

I was also lead to believe early and additional payments could be made without penalties or extra fees. The website charges {$50.00} for a payoff statement and does not give any information regarding early payments. This is a bad situation for homeowners with may pitfalls.
Product: Student loan

I took out a loan with Discover Student Loans around XX/XX/XXXX. At the time the loan was taken out, Discover Student Loan transferred the servicing of the loan to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and Discover Student Loans informed me that, Discover was going to take over the servicing of the loan. Once Discover took over the loan in XX/XX/XXXX, I no longer received phone calls or statements regarding loan. My co-signer received all the phone calls instead of myself who was the primary borrower. During the month of XX/XX/XXXX, I spoke with Discover roughly 5 times regarding the handling of the loan was advised the following : 1. My number was not in the auto dialier used by Discover and representative submitted a request to have my number manually added 2. Discover claimed that on the 2 separate occasions they attempted to reach me that my number wasn't going through their phone system 3. My number was included on the TCPA and therefore Discover wasn't allowed to legally contact myself ; however, I have a legal obligation with Discover Student Loan to repay the debt. During a phone call on XX/XX/XXXX I explicitly provided my consent to Discover to be called and communicated with about this loan. 

I also asked for a complete signed copy of the loan agreement from when the loan was taken out ; however, Discover has not provided that to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries on my Equifax credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX
Product: Student loan

I now have a judgement against me from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for private student loans totaling they say for {$130000.00}. That is the lump sum they want or {$800.00} a month payments which I can not afford either. I have tried working out arrangements with them and at first they would take a {$100.00} a month but since I was not able to right then and I asked for paperwork for proof of my payments they wont accept that now they want those big amounts. They also wanted to raise my payments each year by a bunch and I could not say it was okay because I am unemployed and due to circumstances I will not be able to return to work. I have XXXX children to feed, cloth, and raise I simply can not afford that so I am begging you for help!!! These private student loans are killing me and others and shortly my Federal loans are coming up. I am currently on a financial hardship for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

I was determined to be XXXX by the Social Security Administration. Although I received financial benefits I was not eligible for regular XXXX. I applied to the XXXX XXXX XXXX XXXX ( XXXX ). I was determined eligible at 100 %. 

My doctor decided it was time for me to have XXXX. After the XXXX I inquired to XXXX regarding unpaid bills. The XXXX billing office ( which I visited in person no less than twice ), referred me to XXXX XXXX 'for help applying XXXX ' to the unpaid bills. Instead of 'applying XXXX XXXX to bills ', XXXX XXXX said they were sending me a " XXXX application '' in the mail to sign. The documents I received were little more than a debt collection attempt. Documents authorized full access to my social security XXXX file appointing XXXX my authorized representative -and- granted XXXX XXXX access to all my financial records. I told them I would apply for XXXX on my own and would not make them my authorized representative. 

XXXX XXXX then marked my file " Non-Compliant '' which revoked all access to XXXX XXXX XXXX  XXXX a.k.a. XXXX XXXX '. I appealed the denial/revocation of XXXX XXXX. 

At that point XXXX XXXX XXXX ( speaking as XXXX XXXX with access to all communications with XXXX  and XXXX  ) wrote many emails to the effect that I was in fact " non-compliant with XXXX XXXX ''. When I presented documents and telephone transcripts to the effect - I did apply for XXXX, was approved for a XXXX Spend Down, and the only objection I held was releasing my entire life to XXXX my appeal was said to be won and I was again eligible for XXXX XXXX ( XXXX. ) -- at least I was on paper. However XXXX XXXX XXXX then reported to XXXX CEO that I was " non-compliant '' with XXXX  XXXX. CEO XXXX XXXX wrote me to get in compliance and only AFTER XXXX paid all the portion not relating to my spend down XXXX XXXX would cover the balance. 

XXXX/XXXX had/has no record of my non-compliance. When questioned in person, there were no documents to sign, etc. XXXX/XXXX simply told me to submit the bills for payment -- nothing more. Bills went into collections. The final statement I received from XXXX showed a balance of {$3000.00} - a balance that would coincide with my spend down portion. However the balance in collections is {$6600.00} - more than double the amount of my most recent XXXX statement. I have had no new XXXX appointments, proceedures, etc. 

I believe XXXX/XXXX used retaliation tactics to not only deny me access to healthcare ( at a vulnerable time immediately after my XXXX ), but also created medical debt that should not exist. I believe XXXX/XXXX has not only broken public law, but also behaved in a manner lacking every possible code of ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2.

This item remaining on my credit report is in violation of federal law. ( NCA ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXX XXXXXXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.
Product: Debt collection

On XX/XX/year> Fairway Capital Recovery applied a negative mark to my Credit ( XXXX, XXXX and XXXX ). I never once received any written correspondence from them informing me that I allegedly owe them. The first I was made aware of this was the negative mark to my credit. They are claiming I owe a XXXX debt to a fraternity, but Ive been graduated for several years now. I would like to know why they think I owe this.
Product: Credit card

On XX/XX/year>, I was notified that the APR would increase to 24.99 % from 16.99 %. 
Here was the reasoning : Your credit report showed no recent non-mortgage balance information Your credit report shows a lack of recent bank/national revolving information Your credit report shows a lack of recent revolving account information Your credit report shows a lack of recent installment loan information I think this is taking advantage of an elderly person ( I'm XXXX ) as I have paid off my mortgage, among other things, and I try to minimize my use of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have observed several unauthorized hard inquiries on my credit report from financial institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amongst many other. 
The only legitimate inquiries that should be on my file is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX other are fradulent pull on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX