23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, About a month ago, I started the refinance process with Better Mortgage Corporation ( NMLS ID XXXX ) to refinance my existing mortgage at XXXX. 

The process started off rather smooth. However, towards closing, it started getting a little aggravating. The initial disclosure was fraught with errors : outdated payoff amounts related to my existing mortgage with XXXX, incorrect escrow numbers, the title costs changed with every version, etc. Despite several attempts to get the information corrected before the closing was first planned, the disclosures were not updated in time for closing. Eventually, after prodding for answers and explanations about some of the numbers, I managed to get some of the numbers corrected and satisfactory answers on others. Though a few numbers still did not match up, the differences per my calculations were small enough to let it go in relation to the loan amount. 

Finally, on XX/XX/2020, I received a written confirmation from Better Mortgage that the new loan was closed and funded. ( By the time I had closed with Better Mortgage, XXXX had processed the payment for the month of XX/XX/2020 ). At this point, I fully expected Better to wire the funds over to XXXX and once XXXX paid off the mortgage, I'd be refunded any excess payment amounts in addition to the escrowed amounts. 

XX/XX/2020, more than a week after the new loan was closed, I noticed my XXXX loan had not yet been paid off. I wrote to Better Mortgage, asking that they send me a confirmation or an acknowledgement of the payoff funds being wired to XXXX. 

No Response from Better Mortgage. 

In the meantime, I called XXXX asking if they had receive any notification or heads up from Better, letting them know to expect the funds to be wired. They had not. 

Wednesday, XX/XX/2020 - sent a follow up to Better Mortgage. 

Still no Response from Better Mortgage. 

Thursday, XX/XX/2020 - I called the closing agent at Better Mortgage. He said it looked like it was stuck at settlement and that the matter would be resolved today. Mind you ... this is two weeks after the new loan was closed. 

Friday, XX/XX/2020 - No receipt or email confirming the action taken, so I once again called the agent at Better Mortgage. I was told that he is in a meeting but did pass on the message that the funds will be wired today and that he will follow it up with a detailed email to me. 

Saturday, XX/XX/2020 - No email or confirmation from Better Mortgage till date. Meanwhile, my loan at XXXX has still not been paid off. 

The incompetence at the manner in which the closing is being handled by/at Better Mortgage is glaring enough, compelling me to reach out to the CFPB. Fortunately, I've made advance payments to XXXX, so the due date is not in the month of XX/XX/2020. Otherwise, I would have had to make payments to two mortgage companies simultaneously to avoid late fees. And we all know how tedious it is to get those refunded.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the XXXX XXXX of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I received a letter in the mail on XX/XX/2022 from a company called XXXX XXXX XXXX XXXX XXXX a debt collector stating they are attempting to collect a debt that I owe to JHPDE Finance, LLC the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too JHPDE Financial infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to use over six months of forbearance to cover my loan from being in repayment. Discover was not emailing me and was sending correspondences to the University. It wasn't until I checked my credit score to know of the situation.
Product: Checking or savings account

On XX/XX/2023, {$1000.00} was transferred from my Chime account $ XXXX to the Chime account $ XXXX without my authorization , via the pay anyone feature. I filed a dispute with Chime over the stolen funds and the claim was initially denied. I filed a police report, an FBI report, and a XXXX complaint, and Chime re-opened the dispute. I want the funds transferred back into my account.
Product: Checking or savings account

I live in an area affected by hurricane XXXX. I had an open claim for XXXX double billing my account when I had canceled XXXX and switched insurance companies. Bank of America wanted me to complete and affidavit but I was unable to return it due to evacuating XXXX Florida. XXXX they reversed my credit for {$530.00} which overdrew my account. I then called BOA and they sent me the affidavit which I immediately faxed it same day ... I have called BOA 6 times since then in last XXXX weeks. My account is still negative and I do not owe allstate any money. I was out of work and unable to access the little bit of money I had in that account. I even offered to call XXXX on XXXX way and they would n't.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of an outdated and fraudulent account on my credit report, which has recently come to my attention. Following a meticulous examination of my credit history, I uncovered an instalment account that egregiously misrepresents my current financial status. 

This discrepancy not only tarnishes the accuracy of my credit profile but also stands in flagrant violation of legal statutes governing the integrity and accuracy of credit reporting. The account in question exhibits inaccuracies in Account Numbers and the deliberate concealment of certain account details, constituting a clear breach of regulatory standards. 

It is imperative to underscore that this account does not pertain to me and finds no reflection in the records maintained by other reputable credit bureaus. The inclusion of this fraudulent account has inflicted substantal harm upon my creditworthiness and overall financial standing, thereby necessitating immediate redress. I have records that indicate that this {$4500.00} loan is not mine. 

The singular appearance of this account solely within your report raises grave concerns regarding potential fraudulent activity. In light of these circumstances, I am deeply troubled by the implications of this erroneous and deceptive entry, which casts doubt upon the reliability and integrity of your credit reporting practices. 

Accordingly, I hereby demand a comprehensive investgation into the origins and rationale behind the inclusion of this outdated and fraudulent account in my credit report. Furthermore, I urgently request the expeditious removal of said account to rectify the egregious inaccuracies and restore the pristine integrity of my credit information. 

Please be advised that this correspondence constitutes a formal dispute under the provisions delineated within the Fair Credit Reporting Act. As such, I expect and anticipate a prompt and thorough response to this matter, accompanied by transparent actions aimed at remedying the injustices wrought upon my credit profile.
Product: Debt collection

I had an account with XXXX in which the amount was forgiven and the account was closed. Several years later received a phone call ( 2016 ) that Deville Asset Management bought XXXX and was now reopening my account and requesting funds. On four separate occasions I have spoken with this company on the phone and have requested an itemized breakdown of the account. I was told in XXXX that they would not provide an itemized breakdown because they already sent it and would not provide it in writing. Instead they tried to get me to log into a third party website in order to view my bill which was suspicious. The person I spoke with would not provide me any additional information.
Product: Debt collection

i recently check my credit profile and notice radius global solutions on my credit report and i dont have a contract with them nor done any business with them. I am asking for : 1. Date of last payment. 
2. Date of first delinquency. 
3. Date of charge-off. 
4. Forward flow agreement, including the bill of sale. 
5. Confirmation of whether the alleged debt was transferred or sold. 

Under the FDCPA, you are obligated to ensure that all information furnished to you is accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Not Mine XXXX XXXX Not Mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX Not Mine XXXX XXXX XXXXXXXX Not Mine XXXX XXXX XXXX Never late on this account XXXX XXXX  XXXX XXXX Late
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within XXXX days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX # XXXX -DATE OPENED XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX XXXX. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak french but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines
Product: Checking or savings account

I closed my money market account with Capital One on XX/XX/XXXX. They supposedly sent me a check which I never got. The amount is {$23000.00} I have had to call them no less than 5 times to beg them to send me my money and every time I get the run around. They finally sent me an affidavit they insisted I get notarized and emailed to them. I did that on Thursday XX/XX/XXXX and they STILL have not confirmed receipt and they're telling me I have to wait 95 days for them to send my money! First of all I do not trust them at all. I think they will hold on to these funds for one lame excuse after another. Secondly they now have {$23000.00} of MINE which I am not earning interest on and they are. Theyre holding my money hostage and I NEED my money. They could have simply put a stop payment on the first check but they refuse. Now I closed my account on XX/XX/XXXX and if they were going to make me wait 95 days the clock should have started ticking THEN, not NOW. I am angry and this is causing me immeasurable stress. PLEASE HELP!
Product: Prepaid card

I loaded money to my account and the funds never appeared. 

The money was withdrawn from my American Express prepaid credit card, but never credited to my account. 

I 've opened XXXX disputes with XXXX, but they are not responding. It has been over 90 days and I 've called numerous times. 

I have all documentation. It shows the load on XXXX, and the corresponding copy of my statement, which shows that the load did not take place.
Product: Debt collection

The offending company is Medicredit. They are claiming to be trying to collect a debt on behalf of XXXX XXXX XXXX. The amount they are falsely claiming is XXXX. However, my most recent statement from XXXX clearly shows a balance of XXXX. I sent a copy of the statement showing the XXXX  balance to Medicredit, but they replied by insisting that I owe the XXXX. I suspect fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}
Product: Credit reporting, credit repair services, 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 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

Transunion and XXXX declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.