23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PLEASE DO NOT REFINANCE WITH THIS COMPANY!!!!. I made the biggest mistake of refinancing my home and it was a total nightmare. My Loan officer XXXX XXXX inform and assure me that I did not needed to make my XXXX XXXX payment because the loan was going to be funded before end of the month. I trusted him and by being a first time homebuyer I thought great I'm going to save some cash, well all of that turn into a nightmare, i signed the papers and everything on XX/XX/2020 with the notary and she also said the loan was going to fe funded before XXXX ended. Well that never happen, I started getting calls from my original mortgage company asking for payment and saying I was late, I immediately called My loan officer and I inform him I was getting phone calls from the original mortgage that they were demanding payment. His answer was not to worry that the payoff had been wire already it was just different department. They wire the payoff until XX/XX/XXXX and it was returned because it was short pay, I kept getting calls form original mortgage saying that they had not received payment and that I was already 30 days past due. I contacted Loan Officer XXXX XXXX and informed him, kept getting the same answer I demand it to speak with his boss he would not even give his information, he would put the Pandemic as an excuse that everyone was working remotely, his boss XXXX XXXX Contacted me and said that they were working on the payoff and he assure me that he would take care of things. Never happen, they try to do another payoff and it was rejected again because short pay, by this time my credit took a hit, I was showing 30 days past due on my mortgage account with no fault of my own, 5 of my other creditors close my credit cards and other lower my credit limits. Until I finally called the mortgage company asked for a payoff and I had to call escrow so they could send the correct payoff. Finally after so many calls, emails and frustration the loan was paid off. damage was already done, my credit got ruin thanks to false information and all I got was an " Im sorry this is terrible '' this guy XXXX XXXX never responded to my emails or calls only spoke with him one time and he was never able to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; XXXX - Frozen XXXX - Frozen TransUnion - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these XXXX companies and it's still showing up on my consumer report which is causing me personal and financial problems.
Product: Credit reporting or other personal consumer reports

The items in question are currently involved in ongoing litigation due to reporting errors on my credit report. Given their status in pending litigation, verification of the disputed errors is not possible. Therefore, under 15 U.S. Code 1681i ( a ), these items must be removed.
Product: Credit reporting, credit repair services, 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 remove them immediately from my report. I keep on asking you to delete this yet you keep on ignoring my request! I'm looking forward to your quick response on this matter. Thank you. 
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

American Express keeps incorrectly reporting the last date of activity on my account to all three of the credit bureaus making it seem like it was more recently active and. higher score impact. There was no activity on the account since XX/XX/XXXX when the last payment was made. 

No account activity occurred in XXXX of XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX is still reporting on my credit report and according to XXXX XXXX XXXX this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.
Product: Checking or savings account

On XX/XX/2023 morning I tried using my everyday card to get some breakfast and my card didn't go thru. I contacted Chase and was informed my account was districted and close due to suspicious fraud activity. That i will received a cashiers check in 10 business days. I was upset because I was never informed of this and all my money that I have to my name was in this account. They wouldn't provide a reason on why they closed my account or what was suspicious about the account. I was giving no warning till the morning of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.
Product: Debt collection

I received the following text message to my phone number XXXX. 

XXXX XXXX... We purchased your account from the alarm company XXXX. The balance owed is {$410.00}. We are willing to settle your account for a discounted amount of {$350.00}, if paid by XXXX. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zions debt holdings .com with account # XXXX. 

I have no idea who this person/company is. I do not owe this debt. I dont know how they got my telephone number.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XXXX. 
IDENTITY THEFT. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX OPEN DATE XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ; XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX OPEN DATE XX/XX/XXXX. XXXX BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

I sent a letter on XX/XX/XXXX, XXXX XXXX XX/XX/2022 reporting evidence of inaccurate information to Equifax. Equifax responded that the information was VERIFIED & ACCURATE! 

Equifax had violated the law by Furnishing inaccurate information and not doing a proper investigation and a proper reinvestigation. 

Equifax has violated the laws : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

15 U.S. Code 1681e - Compliance procedures ( 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. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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, Accounts listed below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX  : XXXXXXXX XXXX XXXXXXXX : XXXX Equifax has brought hardship to my financials, household and impaired my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a dispute for my closeXXXX XXXX XXXX XXXXXXXX account to all 3 credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from equifax which is over the 30 days. All 3 bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXhe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Product: Debt collection

On XX/XX/2018 ECMC, Educational Credit Management Corporation, website XXXX XXXX XXXX sent a letter to my workplace requesting my wages be garnished. 

The ONLY information for the debtor they had that matched any of mine was a first and last name. Not even my middle initial matched the information they had, and yet they had the nerve to send a letter to my employer. 

Luckily the person at my work handling this knows me and let them know right away this was not the right person they were looking for, but they are obviously just fishing on websites for names and not doing due diligence to ensure the person they are targeting is correct and my wages could have been garnished for a debt I had nothing to do with.
Product: Mortgage

On  XXXX   XXXX  I received a letter from  Wells Fargo informi ng me that my PMI was cancelled as of  XXXX  the amount that was taken out for the PMI was $  XXXX  each m onth, they continued to take the money for  XXXX ,  XXXX ,  XXXX . The new loan amount was $  XXXX  they continued to take out {$1100.00} until  XXXX , I have called them at least  four tim es concerning this matter each person has a different explanation of where the mon ey is one sa y it in the escrow account, the other say they can send me {$80.00} my escrow account is up to date I just sent {$200.00} in  XXXX  to make up the shortage so I think that the money is ours and should be sent to us.im not sure if they can just take our money and as they please, I thank you f or any help you can assist me with, The mortgage is taken out of our Wells Fargo checking  account the  XXXX  of ev ery mounth
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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

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

Eastpoint Recovery Group , Inc sent a deceptive and false letter attempting to collect an alleged debt. The alleged debt has not been verified nor has it been validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Eastpoint Recovery Group , Inc fall under UCC 9-110 under Article 2 or 2A?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Experian has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and XXXX XXXX. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my credit report.
Product: Credit card

Someone did identity theft and fraudulently put an account into my name with XXXXXXXX XXXX XXXXAmerican Financial Network . I need to have all credit reporting and especially all negative falsely reported credit information blocked and eliminated from the credit bureaus. The account number with American Financial Network/XXXX XXXX XXXX XXXX
Product: Debt collection

First, have someone more knowledgeable respond to my complaint. I have re submitted my initial complaint for that very reason! I asked that they provide validity ... .who ever responded didnt read the complaint or reach out for more information from XXXX . If I have to seek legal action, I will as this seems like it was fraudulently placed on my credit report. The attached response is the most unprofessional one that I have ever seen. This is not resolved and I am not done until it is. Do not place items on consumers credit reports if you cant properly verify the debt is even valid as Its against the law to do otherwise. If they did their research they would see that I did cancel services due to XXXX dispatching police to the incorrect residence on more than one occasion. I have XXXX   XXXX  children, which I also notified them of when I informed them that I was canceling the service. 

If this doesnt get corrected ASAP I will contact an attorney with the FTC to have the entire company investigated. 

I belive that this debt stemmed from a XXXX  security system that I had installed into my home in XX/XX/2015 after my parents ( who were also customers ) referred me to them. Less than 4 months into having the security system my alarm was triggered and the police were dispatched. Although this was a false trigger, I was livid to realize that due to inaccurate information that XXXX had in their database, they sent the police to MY PARENTS HOUSE, instead of mine. I immediately voiced my concerns over this issue but it continued to happen even though the " updated '' their systems every time this happened so I cancelled service the same year of having it installed. It was a meaningless security system if they continued to dispatch emergency assistance to the wrong address of call the incorrect numbers. I am not sure why this is being reported on my credit report but it needs to be removed asap. I did not receive and form of written communication from the debt collector that is reporting this false information, if i had I definitely would have disputed this. Both my parents and I have been more than dissatisfied with the " service '' that XXXX  provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a debt twice on my credit report. The original creditor XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is an update to an ongoing issue. 

Equifax allows easy acces to 3rd parties and restricts the natural person to whom the report pertains to. Malicious intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number # 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 instruction
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST XXXX XXXX XXXX. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM JACOB LAW GROUP , PLLC. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

While reviewing my credit report, I noticed several inaccuracies. I have a late payment on two separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : Account name XXXX XXXX XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Late Payment, XXXX, XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( 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.