23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Report Number : XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report and to remind XXXX XXXX its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 1.15 USC 1681i ( a ) ( 1 ) : This section requires you to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving my dispute. I am formally disputing the following 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 XXXXXXXX Please verify and investigate these accounts and provide documentation showing their accuracy or remove them immediately from my credit report. 
2.15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This section requires XXXX to notify me of the results of your reinvestigation within five business days after its completion. Please ensure that your response includes all relevant details of your investigation, as well as the updated status of the disputed items.

3.15 USC 1681i ( a ) ( 5 ) ( B ) : This section prohibits you from re-inserting previously disputed information into my credit report unless you provide written notification to me within five business days prior to the reinsertion. Furthermore, this notification must include certification that the information has been verified as accurate. 

Additionally, I request that XXXX only contact me via certified mail at the address listed above regarding this dispute. Any failure to comply with this request or the provisions listed above will be considered a violation of the Fair Credit Reporting Act. 

I expect full compliance with these provisions and your timely response to this dispute. Please provide all documentation supporting the continued reporting of the disputed items or delete them permanently from my credit file. 

If XXXX fails to comply with the aforementioned laws, I reserve the right to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. 

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

XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX XXXX XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

FNBO has been in the process of updating software for many months ( 6+ ). Two different web pages and one account can be accessed on line. Information on one page does not get translated to portray accurate info on " new '' software page. Payments are limited and current XXXX scores are not avaible on " new '' software page. Balance tranfers are held up or denied on " new '' software web page. 
Today, XXXX, 2023 I found out balance transfer scheduled on XX/XX/2023 was denied. Payment I had scheduled on XX/XX/2023 was denied. 
FNBO uses the excuse : " credit card is locked ''. However that must be a new rule because there have been many times in last two years when my payments have been processed and card was locked.

I have been doing business with FNBO 15 + years. 
XXXX credit score over XXXX.
Product: Mortgage

To whom it may concern, Please let this letter serve as a complaint against Shellpoint Mortgage Servicing. Shellpoint is the mortgage servicer for our property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Our account number at Shellpoint is XXXX. Our complaint is based on several factors including, but not limited to : 1. Failure to provide answers to written and/or oral requests for information. Shellpoint sends letters every few weeks assigning a different single point of contact for our mortgage, despite leaving voicemails and emails, our calls are not returned. 
2. Failure to provide proof of an escrow payment. In XXXX 2017, Shellpoint claims to have made a tax payment to the county/town for approximately {$50000.00}. In XXXX they claim the payment was returned and issued a new payment. To date, the town has not received payment, nor has Shellpoint provided a canceled receipt for said payment. 
3. Egregious errors in mortgage statements. We requested a payoff letter and reinstatement letter back in XXXX, 2017. The reinstatement letter which was only provided on XXXX XXXX, 2017 is {$200000.00} and XXXX higher than the payoff letters provided in XXXX 2017, then again in XXXX 2017 respectively. The reinstatement letter mirrors years of mortgage statements which have all seemed inaccurate. Once again, despite numerous attempts of contact, Shellpoint never addressed our concerns. 

Thank you for your attention to this matter,
Product: Mortgage

In XXXX XXXX a vehicle traveling at a high rate of speed lost control and crashed into my families primary residence causing catastrophic damaged. We have been going back and forth with out insurance company on the actual scope of repairs which is a complain of its own but not the one I 'm trying to currently address, my issue lies with my Mortgage company, Franklin American Mortgage XXXX XXXX. Upon receiving a partial payment from the insurance company, I sent in the check in total ( {$78000.00} ) to my mortage company to be put into escrow as was requested by both my insurance and mortgage company which was deposited by them into escrow on XXXX/XXXX/XXXX. Here is where my problem arose, the initial payment made by the insurance company was only a fraction of what I was quoted by 10 different independent contractors which were anywhere between XXXX at the lowest to XXXX at the highest to repair my home. Looking at all my options and getting rejected by every single contractor to take this job on for the amount provided by my insurance company to repair my home I realized I had no other option but to repair my home as a owner builder as permitted by both my county, city and California " business and professions code 7044 ''. Having years of building, plumbing and electrical experience behind my belt made this the only logical decision for my family and I, it is not something I wanted to do but unfortunately its only option and my only way to insure that my family gets back home. 

-On XXXX/XXXX/XXXX I submitted my XXXX followed by a Letter of request on XXXX/XXXX/XXXX as was requested by XXXX a subsidiary of Franklin American Mortgage to disperse the insurance funds for the repairs to me to start the repairs -I never received any phone calls back but when I called back again 2 weeks later they told me my request has been denied and for my to hire a contractor to start receiving the funds, I explained my situation and again was shut down XXXX I submitted a insurance adjusters worksheet again this was n't enough and they declined to release any partial payments to start the repairs XXXX I submitted a new letter of request siting the California " owner builder law and section code '', my engineers floor plans/blue prints, as well as my already approved City permits from XXXX XXXX XXXX XXXX repair my house as a Owner/Builder again i was strung on for weeks just to be denied without any just cause or them being to provide me with any legal documents entitling them to deny my requests. 

As of today it has been over 3 months of me loosing precious time to be able to get my family back home and I am truly believe that both Franklin American Mortgage XXXX and insuranceclaimcheck are both acting and Bad faith of the LAW and unlawfully withholding money needed to begin the repairs. 

Franklin American Mortgage XXXX XXXX Insuranceclaimcheck.com
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been contacted a multitude of times. I received Lexis nexis credit report finally after requesting it since XXXX of XXXX. I finally received it in early XX/XX/XXXX, after many complaints. The Lexis Nexis credit report is for sure mixed up with XXXX XXXX XXXX from XXXX, Florida who has the same exact name and XXXX as me and she is not me. XXXX, her daughter is on there too and so is another male. These people are not me. I was sick the month of XX/XX/XXXX with the flu, at the hospital and also overseas. overseas. Please contact XXXX XXXX XXXX at XXXX at XXXX. He was provided a copy of the Lexis Nexis Credit report. additionally, I have written errors that I noticed on it and sent it as multiple emails. The police report number is XXXX Today, on XX/XX/XXXX I spoke to XXXX in Fraud dept in the XXXX who I notified her that Lexis Nexis mixed me up and there is definitely. I have also talked to XXXX Multiple times providing them all my information, all my prior addresses at least XXXX times since last XX/XX/XXXX, when they deleted my dob and ss number. XXXX XXXX is a witness to most of these calls with the fraud and credit department. The police report was provided to XXXX XXXX, XXXX, XXXX, and XXXX in XX/XX/XXXX. I am inundated in paperwork due to the errors by all the companies involved. XXXX and XXXX has failed to provide the credit report on my business account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit report for years XXXX through XXXX from your credit reporting company. 

1 ) You have two apartments listed at the same location, I never owned an apartment at the following address : Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX 2 ) I never owned an apartment at : XXXX XXXX at XXXX, XXXX, TX XXXX 3 ) You have several names on this report to which causes concern, I have never signed my name to any document as : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB INDIGO - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond or investigate my disputes. XXXX and XXXX have responded 2 weeks ago but experian has not. Experian is reporting collection accounts that are not metro2 compliant. Experian has failed to validate the account by providing the consumer contract bearing my wet signature for the negative accounts as a form of proof that the account is true and valid. I WANT ALL NON METRO2 COMPLIANT ACCOUNTS REMOVED INSTANTLY OR I WILL HOLD EXPERIAN LIABLE FOR {$1000.00} FOR EACH VIOLATION THEY FAIL TO CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine
Product: Checking or savings account

Reference is made to my complaint XXXX about HSBC. 

On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. 

Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. 

The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.
Product: Checking or savings account

On XX/XX/2021, {$25000.00} were withdrawn from my Chase business checking account by an unknown person. This is related to all my other debit/credit card fraud charges. They most likely stole my mail and got a hold of my debit/credit cards and then somehow were able to withdraw money from my checking account. 
I filed a claim with Chase Bank and a police report as soon as I got the news. I received my police report in XXXX after 4 months and it took forever for Chase to receive the police report, problems with their fax/email. Now Chase bank is finally starting their investigation.
Product: Checking or savings account

I submitted a dispute for XXXX telespych for {$140.00}. I had not heard back from cash app when I first submitted it on XX/XX/21. However that day the system prompted me to verify my XXXX information and order a new card which I did. That Monday I chatted in to check the status of the claim and they said they had no records of it so I needed to submit it again which I did which then prompted me to order a new debit card. I later tried to use the virtual card, the app promoted me to order another card, the next day the system promoted me to order another card again and the following day. I called and spoke to someone on XXXX and told them what I was experiencing the associate said it was a tech glitch and would receive an email back from that team since the system shouldnt be asking me to order a new card everytime I log in. I received an email from the tech team saying they could not help me because they couldnt verify me via email, that I didnt open the tech ticket through the app but the associate opened it for me. I later get an email regarding th dispute saying that couldnt verify my identity which is required in order to submit the dispute. I on back on the app and the system prompted to order yet another debit card! Which I tried to do but received a message. I got an email saying my card had been closed due to security reasons. I was required to upload my passport which I did immediately after chatting I with another associate. I am still unable to order or use my cash app card, Im still unsure if they verified me and I have not received any notice that my claim is being reviewed now that I am verified as promised in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

A account has replaced back on my consumer report after it's already been deleted. This is hurting my ability to obtian credit. This is another violation 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I never authorized this account to be reported to my consumer report in the first place. So the face the replaced it on my consumer report after its already been deleted is a violation. I do not consent with my private information to be shared with a nonaffiliated third party. Attached is a letter I already sent Equifax.
Product: Vehicle loan or lease

Hello the vehicle was Damage with over {$7000.00} of work of damages done to the vehicle. The company received the Vehicle resold it and have not reported the correct amount which needs to be pay for the vehicle once the company resell the vehicle I will no longer be responsible for the {$28000.00} that the vehicle loan was loaned for. The company has not reported the correct payoff amount and is reporting it to my credit as a closed account years ago with {$28000.00} to be paid when the Vehicle was sold
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX  and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Credit card

I made a payment to the creditor, ( Citi Bank ) after being informed by a customer service agent that my account would remain in good-standing by doing so. I went into the branch as instructed and a few days later I found out that they closed my account. Now, on my credit report it states, closed by creditor " charge-off ''. In conclusion, I 've also being charged almost {$600.00} in additional fees even though my account was wrongfully closed and it 's being reported as late every month!
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent out a letter requesting a letter of XXXX  to XXXX XXXX  XXXX regarding my account status being reported late for XXXX and XXXX of XXXX ( document attached ). I had recently changed banks during this time and forgot to update my account with the updated banking information where the monthly payments were being deducted from. XXXX  XXXX  was still allowing me to submit and process my payments successfully these months ( Please see documents attached ) and failed to notify me that the payments were being reversed because the account that was attached was no longer in use. I thought the payments were processing because it always showed on the login platform that my account was up to date. Until I happened to login to make my payment for XXXX and noticed that it said the account was 2 months past due. This issue would've been prolonged had I did not check my credit report and seen the late charges. I called the company myself and they told me that the banking information needed to be updated. 

As soon as it came to my attention that the payments weren't being deducted from my business account, I paid the account up to date and requested the late payments be removed. I only see the late payments for XXXX removed off my credit report. However there is still a late charge under my XXXX and XXXX for the month of XX/XX/XXXX.
Product: Debt collection

I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

There were accounts on my credit report that I did not authorized and needs to be removed off my credit report. I sent in letters to have credit bureaus delete off my record if they did not have record of me authorizing for my information to be used damaging my credit. Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft. You are obligated to remove any accounts opened without my knowledge, consent, or authorization within four business days after receiving the following : ( 1 ) valid proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) a detailed identification of the fraudulent information, and ( 4 ) a statement from me affirming that the information does not pertain to any transaction I authorized or conducted. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus dealing with old loan accounts that were closed 6 years ago know acting like I just opened them.. oliphant and XXXXXXXX XXXX XXXX Charge offs that should come off credit in about.