23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XX/XX/XXXXmy husband and I were struggling financially and our house was severely upside down, we filed for a home remodification. We were given a remodification and signed on XX/XX/XXXX. In XXXX of XXXX, my husband and I began divorce proceedings. In XX/XX/XXXX the divorce was final. Per the divorce decree, I was awarded the house and my ex signed off on the house and he was to immediately begin financial payments since he ignored the judges multiple other requests to send alimony and child support. He disappeared and I never received any support of any kind. I fell into a severe hardship. I was behind multiple payments. In XX/XX/XXXX, I contacted the mortgage company and asked them what I needed to do to reinstate my loan and modification. I exressed that I did not want to lose the house and I needed help. I explained that without the modification back in place I would not be able to keep the house as it is so severely upside down without the modification. I worked with a case specialist who gave me instructions on how to reinstate the loan and modification. I work incredibly hard and came up with the money, purchased money orders and sent it overnight delivery. I worked very hard to come back from that devastating hardship. In XX/XX/XXXX I received a XXXX for the full waived amount of the remodification. I claimed this on my tax return. I was under the impression that after requesting help and following what the mortgage company had indicated that everything was ok. Sometime in early XX/XX/XXXXmy ex changed the mailing address with the mortgage company and I stopped receiveng any correspondence. I found out he did this at the end of XXXX. It is now XX/XX/XXXX, I decided that I need to sell the house and move where there are better job opportunities for me to support my XXXX children as I still to this day have never received any financial support from my ex. I found a realtor and the house went up for sale. Someone made an offer and the sale began. A payoff was requested from the mortgage company. There was a massive discrepancy between what I said the payoff is and what the mortgage company is reporting. When looking into this they have basically told me they can do this because they put it in the contract that way. They said it was my tough luck. I worked very hard to reinstate my loan and modification, had that not been an option I would have had to let the house go as it is still upside down. This is unfair that the mortgage company can trick its customers this way. They are robbing me and saying it is my fualt because it was in the fine print for them to do this. This is wrong!
Product: Credit card or prepaid card

I was looking to establish a credit line ( through XXXX XXXX ) online for the purchase of a new cell phone. I was notified after electronically applying, that " additional information '' was going to be needed to properly process my application. " Barclays Credit Card '' requested that I send them photo copies ( both sides ) of my Drivers License AND my Social Security Card.. I have a " XXXX '' credit score across all three reporting bureaus. Although I'm personally offended ( considering my credit worthiness ) I also believe some type of " scam '' is somehow in place if Operator License info and both sides of a Social Security Card are being requested - especially in today 's day and age, with all the attempts at ID fraud etc.. PLEASE look into this!!!
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666. U.S. Code 1681 Section 602 states that I have the right to privacy, 15 U.S. Code 1681 Section 604 ( A ) Section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions, and under 15 U.S. Code 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that accounts that i know are identity theft account belongs to me when i know that they are not
Product: Debt collection

In XXXX Capital One filed a XXXX with IRS for a charge off of a XXXX card debt in XXXX. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around XXXX and it is possible that my name was attached to a corporate card at that time, but those records are no longer in existence. and if that is the case, why would Capital One wait 12 years to do something about it. 
I have spoken to at least XXXX different people at Capital One, including XXXX supervisors in the recovery division, and have been offered no help. I have asked for documentation and have been told that the documentation was mailed to some XXXX XXXX that I never heard of. I asked repeatedly for them to email of fax me the account info so that I had something to show the IRS but was told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon FCU XXXX has an unauthorized inquiry on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian Rent Bureau in XX/XX/XXXX to request validation for a debt they are reporting I received a response back dating XX/XX/XXXX advising the account was accurate I called to Experian Rent to get a explanation of the form that was sent to and ask if I can something in writing on how they verified the debt the customer service representative advised that they don't half verify anything that they are reporting and took it upon herself to dispute it again I received another letter in XX/XX/XXXX advising that the account that is being reported as accurate so I then again mailed another dispute or around XX/XX/XXXX and have not received nothing back
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, if any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice, and I never authorized this agency to report on my consumer profile. I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.
Product: Credit reporting

I was at my XXXX during 2012 and I XXXX. My Primary care physician contacted the XXXX XXXX Police and they handcuffed my and took me to XXXX XXXX XXXX. I told both parties that my MCO did not cover hospitalization. They insisted that I be committed for evaluation. I tried to sign-out XXXX ( XXXX ). I was denied. However XXXX XXXX and one of the medical providers billed me for this service. I became homeless and my case manager submitted a hardship waiver. For the most part the majority of the bill was waived. However, this one particular provider ( XXXX XXXX XXXX ) did not and they 've sent it to collection. Now under the 8th amendment of the US constitution all pretrial or post convicted prisoners are afforded medical treatment while in custody. Because of this constitutional right, I contend that I should have never been responsible for the bill in the first place.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance : {$660.00}
Product: Credit reporting or other personal consumer reports

I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Account XXXX XXXX. {$3600.00} XXXX XXXX. {$3400.00} XXXX XXXX as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$830.00} Status Account XXXX XXXX. {$830.00} XXXX XXXX. {$830.00} XXXX XXXX as of XX/XX/XXXX XXXX
Product: Debt collection

Dear XXXX, Account # : XXXX I am writing to address discrepancies on my credit report that violate the regulations outlined in 15 U.S. Code 1666 ( a ) ( b ). 

JPMCB  Account # : XXXXXXXX XXXX Account # : XXXX Despite previous correspondence regarding similar matters, there remains an unresolved issue regarding unrecognized collections that claim late payments. 

I have previously communicated with your office, providing documentation and asserting my rights under applicable laws. However, this specific issue persists, and it is imperative to rectify it promptly to ensure the accuracy of my credit report. 

According to 15 U.S. Code 1666 ( a ) ( b ), consumers have the right to dispute inaccurate information and expect timely resolution from credit reporting agencies. It is my understanding that XXXX is obligated to investigate and remove any information found to be erroneous or in violation of federal laws. 

I kindly request that XXXX to conduct a thorough investigation into the disputed collections claiming late payments and take appropriate action to remove them from my credit report. 

I appreciate your attention to this matter and expect a prompt response regarding the resolution of these discrepancies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion regarding multiple unresolved and inaccurate items on my credit report. These errors include incomplete and inconsistent reporting, as well as an unverifiable bankruptcy record. Despite previous disputes, these issues remain unresolved. Below are the details of the items and reasons for my complaint : XXXX. XXXX XXXX Account # XXXX : A late payment is reported for XX/XX/XXXX. I request that TransUnion contact the original creditor and verify this information. If it can not be verified, the late payment must be removed to reflect an on-time payment. XXXX. XXXX XXXX XXXX Reference # XXXX : In your response dated XX/XX/XXXX, you stated, We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. However, TransUnion failed to provide specific details about its investigation, including : -The date the furnisher was contacted. -The person who verified the item. -The method of communication used for verification. -The personal information the furnisher used to confirm the public records accuracy. Due to the lack of a proper investigation, I demand the immediate and permanent removal of this XXXX XXXX XXXX from my credit report. XXXX. Unrecognized Inquiries : The following inquiries are unauthorized and must be removed from my credit 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
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX  Account # : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$7400.00} Payment Status : Repossession
Product: Checking or savings account

Bank of America/XXXX XXXX closed my IRA and charged {$50.00}.
Product: Credit card or prepaid card

I purchased XXXX XXXX XXXX XXXX on XX/XX/2021. However, I received XXXX XXXX XXXX XXXX. After multiple emails to the merchant I was offered the following options : XX/XX/XXXX : Merchant Requested that I send photos of what was received along with a picture of the tracking number to show the correct package was being reference. 

XX/XX/XXXX : Merchant offered to refund {$15.00} to keep the order as is. I declined the offer. 

XX/XX/XXXX : Merchant offered {$35.00} to keep order. I declined the offer. 

XX/XX/XXXX : Merchant offered {$50.00} to keep order. I declined the offer. 

XX/XX/XXXX : Management would authorize {$65.00} to keep the order. I declined the offer. 

XX/XX/XXXX : Offered {$86.00} for items but not {$12.00} for shipping. The original offered free shipping if 2 or more XXXX  were purchased. I order XXXX and declined the offer as I do not need any XXXX 

XX/XX/XXXX : Merchant was to apply for a full refund and advised to wait another 5-7 days. No refund was issued. 

I contacted the credit card company, disputed the charge and was issued a temporary refund on XX/XX/XXXX. The credit card company sent me a letter with a notice from the merchant showing the package was delivered. I acknowledged the receipt of the package ; but, as the previous photos showed the wrong items were in package. I was rebilled by the credit card company and I immediately opened a dispute on the rebill. The information was forwarded to the credit card company on XX/XX/XXXX via XXXX  and XXXX Mail. Both sets of documents were received. 

In the meantime, I place a second order for a XXXX XXXX XXXX for {$96.00} on XX/XX/XXXX. The XXXX never arrived and I disputed that charge. The credit was issued on XXXX but the credit was applied to the disputed amount of {$99.00} and not put back on my credit card as expected. The bank has refused to put the {$99.00} in a disputed status and I now owe {$3.00} due to the differences in the amount charged. I requested to speak with a supervisor multiple times but XXXX ( operator id XXXX ) refused to get a supervisor and said I would have to wait for up to 2 billing cycles for the issue to be investigated. This is unacceptable as I was told at the time of the dispute, I would not have to make a payment for the rebilled {$99.00} until the issue was investigated. Instead of getting my {$96.00} credit to my account it was applied to the open dispute. 

see the attached emails and pics attached showing what was received. You can see the tracking number associated with my XXXX order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXX SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXXAlso shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report XXXX XXXX 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 XXXXXXXX The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX XXXX 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I monitored my Transunion credit report and recognize an account that i did not authorize to open. The account name XXXX is XXXX XXXX account number XXXX open on XX/XX/year> in the amount of {$12000.00}. This is clearly a fraud account and i contacted XXXX XXXX, and they did their investigation and XXXX XXXX determine it was fraud/ letter attached with police report, identity theft report and copy of my ID and Social Card XXXX
Product: Mortgage

We bought our home XX/XX/XXXX. The escrow account was set up to cover all taxes and insurance. In XX/XX/XXXX, the company reassessed our escrow and changed the terms. It lowered our obligation by several XXXX dollars and refunded {$1800.00}. While they were doing this and sending us mail about the change, the company transferred our loan to someone else. 

We thought the change in escrow was from the new company. We had argued that it shouldn't be changed and was told, our records show you don't need to pay this much. 
This XXXX we received a notice that we owe {$5000.00} to our escrow because we are short. They want to a ) have us pay it in full or b ) pay {$400.00} more a month on top of increasing our mortgage payment to the original amount. We can't afford either solution. 
We called the company and spoke with XXXX  ext. :XXXX. We requested an audit on the escrow. We are supposed to get an email by the end of the month. They asked where we want to go with this and we told them " We need to be compensated for their error in the audit and change of our original terms in our Escrow disclosure. This is and will put a tremendous strain on our finances. '' We've tried to reach out again. The company hasn't returned our calls.
Product: Debt collection

LVNV LLC have reported to the 3 credit bureaus inaccurate information payment statuses, past due amount, and balance owed on three different accounts. Once I notified the credit bureaus that I needed proof that I owed this debt I waited 45 days 2bureaus deleted them however XXXX did not respond back or do an investigation. After all this LVNV reported this info again using the copany name LVNV Funding they also gave my information to another company called XXXX XXXX to collect for them during this same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

On the credit report equifax there is a name listed there that I have never seen i do n't know who that belongs too and must be fixed
Product: Credit reporting, credit repair services, 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 didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification Description of re-investigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} - Collection XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}