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

Dear CFPB, I am writing to file a formal complaint against XXXX regarding their handling of my credit report dispute. My name is XXXX XXXX, and I have been experiencing difficulties with XXXX in resolving inaccuracies on my credit report. 

On XX/XX/year>, I submitted a dispute to XXXX concerning several fraudulent items on my credit report. However, I received a response from XXXX stating that they were unable to locate a credit file in their database with the identification information I provided. XXXX requested additional documents to verify my identity and current address. Despite providing the necessary documents as requested, the issue remains unresolved. 

The documents requested by XXXX were : Identification : A copy of my Social Security Card.

Current Address : A copy of my Driver 's License.

I have enclosed these documents with my correspondence to XXXX but have not received a satisfactory resolution to my dispute. The lack of response and resolution from XXXX has caused me significant inconvenience and stress, as the fraudulent items on my credit report continue to affect my financial standing and creditworthiness. 

I kindly request that the CFPB intervene in this matter to ensure that XXXX properly processes my dispute and corrects the inaccuracies on my credit report in a timely manner. I am seeking a prompt and fair resolution to this issue. 

XXXX : Account number : XXXX, This accounts name and number are questionable. I demand this to be removed. 

XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I demand this to be removed. 

XXXX XXXX | XX/XX/year> : Account number : XXXX, I have not requested a inquiry for credit from this company. Delete this inquiry immediately. 

Thank you for your attention to this important matter. Please let me know if there are any additional details or documents required to facilitate this complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I was recently denied a mortgage loan due to Select Portfolio Servicing reporting 2 30 day lates on my credit report in XXXX and XXXX of 2016. I sent Select Portfolio Servicing an online transaction history showing there were no payment lates in 2016. Select Portfolio Servicing is notorious for reporting adverse and incorrect information on consumers. Even with undisputed evidence that was sent to them, they refuse to correct the information they are reporting to XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX XXXX reached out to me to accept a 4 day/3 night vacation deal to XXXX XXXX, SC @ {$190.00}. I accepted, however after thinking about it, I decided to cancel since I was told I can do so anytime prior to the vacation. I called them the next day XX/XX/XXXX to cancel and was told it was non-refundable. I sent the company a dispute email requesting a refund and again was told the same. I contacted Best Buy Credit Card services to dispute the charge, I wrote them a letter and they refunded my acct. {$190.00}. I later received a letter in XXXX from Best Buy Credit Services stating after their investigation, they determined I was responsible for the fee and they recharged my account the amount of {$190.00}. I am still disputing this charge because I don't want to pay for something I'm not going to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX and Experian. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Product: Mortgage

Applied for a HAMP loan modification with Nationstar in XXXX of XXXX. After one year of resending documents was approved in XXXX of XXXX. Was not notified by mail, found out by following up almost lost my opportunity due to limited time frame for acceptance. We were not approved for the HAMP XXXX XXXX which we were qualified for ( in mortgage business for 30 years, I knew how to calculate qualification ), was approved for XXXX XXXX which made a modification payment much higher than should have been, also took away qualification for a better modification on second mortgage with XXXX XXXX  XXXX. 

I had asked for an escalation with agency that monitored modifications, they could not help as the problem with my qualifying had to do with escrows being adjusted the day before modification and underwriter from XXXX included escrows ( past due 60 days ) in monthly payment. I had called customer service and was informed my modification was sourced out to XXXX as with others. 

I then filed a complaint to Consumer Financial Protection bureau twice, no response. 

I had not been notified that such a suite was pending, if I would have know, I could have submitted proof via documents saved. I did not file a lawsuit as I did not know if an Attorney would accept on contingency, since this was so unusual and unprecedented. 
Now I believe I may not be able to as Statute of Limitations may have passed.

Since modification, my mortgage note did not disclose borrower incentives that I would receive. It has now been 5 years and I still can't get an answer or anything in writing describing incentives, reading guidelines I think after 5 years of payments, I should receive my XXXX towards principal in the XXXX year, but I'm not sure. 

Recently I am having an issue with escrow collection, I paid XXXX in escrow last year when my taxes were only XXXX. This years escrow analysis has me short XXXX each month, with no accounting for extra tax escrow payment I made. 

So, I know that restitution is required by Nationstar in fines and to affected borrowers as of this months Court case in the District of Columbia. Since I filed complaints am I eligible for restitution or a proper modification? I have all correspondence, several boxes. Including proof of complaints to CFP. 

Second, I need help getting answers to borrower incentives that I may becoming entitled to. 

Third, I have sent XXXX, who is now apparently doing Nationstar ( Mr. Coopers ) escrow analysis all documents. I have little faith that this issue will be resolved in a timely matter or at all. 

Please Advise.
Product: Checking or savings account

Capital One is having " technical issues '' and has not released anybody directly deposits. There has not been an XXXX established. Check XXXXXXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

TIMELINE : XX/XX/XXXX : My Citibank account statement for card ending in XXXX, indicated a charge to XXXX XXXX in XXXX XXXX, CA. for the amount of {$170.00}. 

XX/XX/XXXX : I contacted the XXXX XXXX store by phone. The manager stated he had no record of the charge. 

XX/XX/XXXX : I contacted Citibank and notified them of the fraudulent charge. My credit card ending in XXXX was cancelled, and Citibank sent me a replacement credit card. 

XX/XX/XXXX : Per Citibank request, I completed and emailed the standard dispute form ( attached ). Citibank also provided a receipt from the vendor, which is also attached. 

It is important to note that the XXXX XXXX receipt indicates that this was an online order ( i.e., my credit card was not physically presented ), and the customer phone number as well as the customer email address are not mine. I do not live in California, I received no merchandise, and I did not authorize anyone to use my credit card. Alas, Citibank has declined my request to credit my account the {$170.00} for which I am owed.
Product: Debt collection

This is a XXXX XXXXXXXX XXXX  from 2021 and was receiving assistance from the state and bill was paid with a grant given by the city and the XXXX XXXX  still is reported as unpaid by the company. There was so much going on from covid and XXXX XXXX  in the family and this bill became a burden. The grant paid the utility which was sent to XXXX
Product: Credit reporting or other personal consumer reports

The account that is in serious consideration is XXXX XXXX XXXX that was Last reported on XX/XX/year>2023, as closed. The account age of this account is XXXX XXXX XXXX XXXX XXXX before it was closed. I am XXXX XXXX XXXX. How on earth, can I open a rental agreement with XXXX XXXX XXXX  and then close the account in XXXX of 2023? This means I must have opened the account when I was XXXX XXXX XXXX. This is not my account, and I did not know this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$3400.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$740.00} Date Opened XX/XX/XXXX **Inquiries** XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Student loan

Keep getting disconnected from  Navient whenever I call to apply for inco.e driven repayment but then will be bombarded with calls saying my student forgiveness is ready or forbearance has been ok 'd and I never ok 'd anything ever. This has happened for 3 years now
Product: Debt collection

I entered credit counseling to consolidate and pay off my debt on XXXX/XXXX/XXXX and made monthly payments until XXXX of XXXX. At completion I received notice that I had completed the program and that they debts were paid in full and that notice was also provided to the creditors. As a side note I do know that payments were made to the creditors as I recently received a repayment of overpaid interest from another account. I have disputed the debt with LVNV/XXXX multiple times, most recently in XXXX of XXXX. XXXX again it was deleted. While applying for a mortgage I discovered that the debt was incorrectly being reported again as an active collection, despite having provided the evidence of the credit counseling program, and successful completion. The evidence sent showed the correct account number, and debtor. I also received a letter from the collector that despite matching account number and documents showing completion was insufficient evidence, but did not provide any evidence the debt is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a verification letter and havent received anything back. Its been more than 30 days. An i request this account get deleted from my XXXX credit report. Since they cant verify the debt. It goes against the FCRA and should be deleted immediately. Or will be fined {$1000.00}. So Im requesting you deleted this account or I will have to take legal action.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : o XXXX XXXX. 
o XXXX XXXX XXXX Incorrect Addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ________________________________________ Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian Freeze/Thaw is supposed to be simple and secure. Experian 's online system forced me to snail mail to request to thaw. That does me NO good, as I need the temporary thaw tomorrow, XXXX. So, my Experian account will remain frozen in perpetuity, whether you or they fix the problem or not.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and I recognize some unauthorized inquiries on their that inaccurate can you please remove them According to the fcra these unverified and unauthorized items must be removed 15 USC 1681 ( n )
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove an account they have no information on its accuracy. Rather than report correctly. They are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year and this has not been notated. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting
Product: Checking or savings account

On XX/XX/year>, I responded to an internet ad for BMO Bank which offered a checking account with the bonus that if I arranged a total of {$4000.00} of direct deposits within 90 days of account opening, I would receive a cash bonus of {$350.00} by day 100 after opening the account. 

The account was confirmed open on XX/XX/year>, through a flurry of emails confirming the account opening and full functionality of online banking including making a transfer of {$25.00} from one of my current bank accounts to the new BMO account. In addition this external account was linked for future transfers to and from the new BMO account. Allt this was accomplished on the same day I applied for the account, Saturday, XX/XX/year>. 

After opening the account and the online access through BMO online banking I arranged to have one of my clients send two ( 2 ) direct deposits to the new BMO account in furtherance of fulfilling the requirements for the {$350.00} bonus. Thus a direct deposit of {$1.00} and a second of {$400.00} was sent to my account at BMO on Monday, XX/XX/year>. 

On Monday, XX/XX/year>, I signed into online banking at BMO to make sure all was well including noting that the initial deposit of {$25.00} was credited to this account. 

To my surprise on Tuesday, XX/XX/year>, when I attempted to sign in to online banking, I was told there was an error in either the user name and password. That was a lie. The entries were correct. I tried at least three ( 3 ) times to no avail. 

I was instructed to call XXXX to resolve the problem. I called this number at XXXX XXXX  Eastern Time on XX/XX/year>. The call lasted until XXXX XXXX. I was sent through an automated algorithm and after about five ( 5 ) min spoke to XXXX who told me I need to speak to a specialist named XXXX who later came on the line. I was told by XXXX that my account was frozen and that I needed to send further information to prove my identity including a copy of my social security card, a copy of front and back of my drivers license, and proof of address with some mailing of insurance bill, utility bill, or social security sent to my present address. 

I asked XXXX why BMO lied and told me the account was functional and she had no answer. I told her this was all illegal under Massachusetts and federal law. To wit, I was told my account was open and fully functional, a known lie upon which I relied with justification to my detriment. BMO committed larceny of over {$250.00} from an XXXX  Mass resident ( I am XXXX XXXX XXXX ) since they received this money under false pretenses. This is grand larceny in Mass, a felony. Had I known BMO was going to seize my money, I would never have opened the account and would never have arranged for any direct deposits to that account. 

I supplied all the requested information and XXXX told me that the material would be sent to some " further review '' and I would have a decision in 3-5 business days. In the meantime my account was frozen and BMO has stolen my funds, a total of {$420.00}. I want my money back IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXX '' for the original amount of {$260.00} was sold to XXXX , XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX  XXXX with Account Number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX , XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX