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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have tried to obtain my credit report and was told the information I provided does not match the information on file with the credit agencies. I contacted my bank and was informed that someone had submitted an inquiry, but was not able to access my information due to not having my security code.
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  XXXX XXXX, Account name:XXXX  XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX Account name : XXXX 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 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.

Also my middle name is missing apostrophe on all documents.
Product: Mortgage

My mortgage was opened in XXXX with a maturity date of XXXX. Over the years I have refinance and also did a modification in XXXX but in all instance my maturity date remained XX/XX/XXXX. In XXXX I requested a 2nd modification, it was approved. I was excited to get the modification because I needed the assistance so I signed it, I did not realize it was a balloon payment with a new maturity date of XX/XX/XXXX. 
I found out about the balloon payment over the summer of XXXX. I was told I could complete a mortgage assistance request which I did but it was denied..reason my mortgage was current and affordable. I was then told I can refinance, I tried refinancing with the same lender PHH I was told everything looked good and the next step would be my closing, after not hearing anything I reach out and was told I was denied because in XXXX I became ill and my mortgage payment fell 2 months behind. 
I reached out to XXXX XXXX XXXX for assistance, we contacted the lender together and after 2 hours on the phone with the escalation department ( spoke to : XXXX # XXXX ) and the modification department ( spoke to XXXX ) I was told my only option was to do another mortgage assistance request or find another lender to refinance. 
While we were on the phone an attempt was made by XXXX to set an appointment with my relationship manager. XXXX stated there was a flag on my account indicating no appointment can be set up with my relationship manager and also that she was not authorize to reach out to a supervisor. 
I completed another mortgage assistance phone intake today XX/XX/XXXX, I was told in 5 days I will get something in the mail me letting me know my options. 
My balloon payment is due in less than 30 days amount of {$380000.00}, this is impossible for me to pay and PHH shuts me down with every request I made to resolve the situation. My only request to PHH is to put my maturity date back to XXXX. 

I have included the XXXX modification agreement showing the change in maturity date.
Product: Mortgage

I have applied for a mortgage assumption to remove my ex fiancs name off our joint mortgage. Since XX/XX/XXXX, when I submitted the application, I have been solely paying the mortgage. The application has been in underwriting since XX/XX/XXXX. 4 times they have asked me for more documents and each time it goes back into underwriting for another month. My friend and ex fianc is not able to move onto applying for another home because his name is still on this one. My main complaint is that the underwriting and assumption department ( Chase Mortgage ) is asking every month for more of my pay stubs because it is taking too long in underwriting. This is my life and I need an answer if I am approved or denied asap, not continue to play this ridiculous game.
Product: Debt collection

I had an account with XXXX XXXX that was Fraud some how PORTFOLIO RECOVERY # XXXX now has it, I had previously disputed this account.I do not owe this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry made on all XXXX of my credit reports from XXXX on XX/XX/2022. I did not give this business permission to pull my credit and believe someone tried to open an account in my name. The credit bureau told me to file a fraud report with the FTC in order for them to remove it from my credit report since it decreased my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Im Writing to you today in shock due to the fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

Todays date Accounts is being reported with 2 different prices under date last active. If this is the same account being reported by the same creditor why is the information different? 



XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX XXXX Account Name : XXXX  XXXX  Account Number : XXXX Balance:XXXX
Product: Credit reporting or other personal consumer reports

OneMain XXXX : Once written off as a profit and loss write off/charge off I was not provided with a 1099c form. Instead they are still reporting on my credit report that I owe the balance.
Product: Credit reporting

am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not XXXX as inaccurately stated and reported by XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Product: Money transfer, virtual currency, or money service

I initiated a money transfer of {$850.00} USD or {$20000.00} MXM to my mother in XXXX in XX/XX/2020 at XXXX XXXX. I received a message in XX/XX/2020 at XXXX XXXX  with " Transaction Completed '' confirmation. Meanwhile, I started another transfer of {$200.00} USD to my mother also. I realized that this additional {$200.00} were going to be ready to pick up until next day because that's the time the company takes to have the money available. 

On XX/XX/XXXX, my mother went to the bank to pick up the initial transfer of {$850.00} USD or {$20000.00} MXM and there was when the problem began. Instead of her having or receiving the {$20000.00}. She only received {$4600.00} MXN which was the 2nd transfer I made in the evening of the previous day and that that money supposed to be ready until the evening but the {$20000.00} that I send initially were not sent to the bank. 

This company pulled both amounts from my bank account but they didn't send the 1st transfer of {$850.00}. 

Now they are saying that there is a slight delay because they're verifying the recipient 's information ; but my recipient 's information is the same I have been sending money and the same they use to send the 2nd transfer of {$200.00} USD. 

I called the company but they are not answering. I contacted them by email but they are not even trying to fix the problem. I also tried to cancel the transaction but they don't allow me to do it. 

Please help me resolve this issue with this company. 

Thank you so much for your help and understanding.
Product: Credit reporting or other personal consumer reports

I have made several attempts to log into my Experian account and I get an error message stating that my information does not match up. I have tried resetting my password but never received the text message verification code. I tried calling, via their automated system, they sent me a text message with a link to help with username/password, but when I complete that form, I still get the same message saying that my information does not match up. The automated system refuses to connect me with a representative, leaving me completely locked out of my account and credit report access. I need immediate assistance from a real person to resolve this issue. Please escalate this matter and provide a direct way to speak with a support specialist.
Product: Debt collection

I checked my credit report and noticed there was a new collection account from MDS listed on my report and immediatly called the company and provided them with my request for information via fax as wells as vi mail. My request was for specific information pertaining to the account they indicated belonged to me. My request asked for the information authorizing the company to collect the debt from the original creditor, a copy of the agreement I signed with the original creditor, the date they acquired the debt with the original debtor as well as other pertinent information pertaining to the account they have. I sent a copy of my identification to prove who I am. In my request I demanded that if this information is not provided that they cease and desist all further collection efforts and remove every negative report they have made in regards to this account to all credit reporting agencies immediately and indefinitely. My request was for the company to comply with FCRA guidelines as well as HIPAA. The company failed to comply thus far and have only sent me a billing statement and a copy of the charges they are alleging belong to me. The information they sent does not bear any of my personal information as it relates to that on my credit report yet they have failed to remove all reporting and have sent me a bill. I have copies of every letter I sent as well as confirmation of my detailed letter/request from the USPS which shows they have received my request but have failed to comply with FCRA/HIPAA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put the wrong date on a bill. If they put the right date insurance would cover it but they wouldnt fix it. Years later I tried to dispute it through equifax. They took less then 3 days to investigate it and decided it was correct. When I called to get details they refused to give it to me over the phone and refused to give me copies in the mail. I asked what they investigated and they said they made sure it was my account. Once I talked to a supervisor they said they had not checked they dates just to make sure it was mine. I asked them to read off the details of my dispute and it clearly stated the dispute was about the date. I then asked for a copy of what XXXX XXXX sent them and I was denied. They refused to reopen the investigation and refused to open another dispute
Product: Credit reporting or other personal consumer reports

I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report including a credit card account that was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit report. 
Account XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Checking or savings account

Bank of America closed my account for a mobile check I was told to deposit by the agent. The check was from XXXX they canceled the check without letting me know and reissued it. So the check came back to Bank of America invalid. I had funds in the account of {$70.00}. I was told in XXXX I should receive it in XXXX days. It is now XX/XX/year>. I still have not received it. When I speak with someone they say they can not reissue until 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : Financial Assistance # XXXX
Product: Credit reporting

There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over XXXX calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX INNOVIS, XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

The company kept contacting me so I asked for the original documentation and then I asked for where the original contract and then I asked for the documentation with my signature agreeing for them to sell my dad then I asked them to do an investigation into how did they come up with the figures and the numbers because they are different and they have change I I then sent a letter to Cease and desistand they continued to contact me via Mail so they stopped the phone calls and then they started mailing letters.
Product: Checking or savings account

There was multiple bank accounts open with Bank of America under my name fraudulent and they are now in check systems as a negative collection! No I am unable to open an account with any other institution! I was incarcerated when those accounts was open Ive attached documents to show the date I was released from Illinois XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner.

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple certified letters ( the three most recent attached with a copy of the certified return receipt also attached dated - XX/XX/23, XX/XX/23 and XX/XX/23 ) to Equifax to corrected the status and the amount of a XXXX Bank account on my Equifax credit report ( XXXX XXXX XXXX # XXXX ), Equifax has refused to either correct or, preferably for me, to delete this account for blatant inaccuracy and misreporting. I just telephoned them again today and talked to a barely cognizant, confused representative who told me in some unintelligible hybrid XXXX XXXX language that they have not received any letters from me in over a year!!! Equifax has purposefully ignored my certified letters and now is not even acknowledging that I even sent them letters even though I have certified proof!!!
Product: Debt collection

I AM filing this complaint on portfolio recovery, as they are claiming I owe {$450.00}, for not replying in a timely manner to my initial debt validation letter that I certified mailed on { XXXX }, portfolio recovery has NOT only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

According to 15 U.S.C. 1692k, any failure to validate this debt or any violation of the FDCPA will leave portfolio recovery subject to potential legal action for damages. They have not sent me any correspondence whatsoever and it is impacting my credit worthiness.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX Has Violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 7 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 the information is not correct.