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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Complete Payment Recovery Services , Inc. is attempting to collect on a check for {$55.00} they claim was returned unpaid, but in fact was paid by our XXXX checking account. They continue to call even after we informed them that this check was paid.
Product: Student loan

I requested the Note on the account I had been making payments on since 2012. A promissory note was sent to me by Nelnet with my name and personal information but the address is not mine. I think I have been a victim of identity thef and making payments on account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon XXXX XXXX XXXX XXXX XXXX  I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later XXXX The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the XXXX during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), one bill for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute, Correction of Inaccurate Credit Information, and Request for Trade Line Removal, I hope this letter finds you well. I am writing to bring to your attention certain inaccuracies present in my credit report that require immediate attention, correction, and the removal of certain trade lines. I have recently obtained a copy of my credit report, and after careful review, I have identified several inconsistencies that I believe warrant investigation, rectification, and the removal of the corresponding trade lines.

I would like to draw your attention to the following discrepancies in my credit report : XXXX. Account XXXX : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - High Balance : {$640.00} - Account Balance : {$0.00} - Last Reported : XX/XX/XXXX - Remarks : " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The account balance is reported as {$0.00} despite the previous high balance of {$640.00}. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

XXXX. Account XXXX : XXXX XXXX  - Date Opened : XX/XX/XXXX - High Balance : {$6100.00} - Account Balance : {$6100.00} - Last Reported : XX/XX/XXXX - Remarks : " Canceled By XXXX XXXX, '' " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The remarks indicate a " Canceled By XXXX XXXX '' status, which conflicts with the reported high and account balance. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

XXXX. Account XXXX : XXXX XXXX  - Date Opened : XX/XX/XXXX - High Balance : {$2200.00} - Account Balance : {$2200.00} - Last Reported : XX/XX/XXXX - Remarks : " Account Previously In Dispute Now Resolved Reported By Subscriber, '' " Dispute Resolved Reported By XXXX, '' " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The account balance of {$2200.00} is reported as slightly less than the high balance, which is inconsistent. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

I kindly request that you initiate an investigation into these inaccuracies, correct the discrepancies in my credit report, and remove the corresponding trade lines that are inaccurately reported. In addition, I have attached relevant documents and records that support my claims and provide evidence of the correct account information. 

I understand that it is essential to maintain accurate and up-to-date credit information, and I am confident that your expertise will ensure the timely resolution of these issues. Please provide me with written confirmation once the corrections have been made to my credit report, and the requested trade lines have been removed. 

Thank you for your prompt attention to this matter. I look forward to your response and the successful resolution of these discrepancies. If you require any further information or documentation,
Product: Credit reporting or other personal consumer reports

Happy Money Inc, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open case since XXXX with the CFPB # XXXX A quick refresh ; Experian is still reporting said company " XXXX XXXX '' on my credit report. 
" XXXX XXXX '' is conducting business under a new XXXX XXXX, or other XXXX XXXX 
Not XXXX XXXX ''. Yet Experian repeats that they are reporting correctly? 
How in XXXX 's name is that possible? A ghost company is reporting on my credit report? 
I received no validation from XXXX XXXX, because they do not exist. 
I want this removed from my credit report for this reason alone. 
They, Experian is not abiding the law, if not removed by Experian, I will take my complaint from XXXX and sue for credit damages from that date to present. 
I can wait until it falls off in XXXX automatically, it is the principle now. 
That Experian should be held accountable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have been a homeowner since XXXX. I dealt with several financial institutions and I have never seen any of them including XXXX XXXX that transferred my mortgage account to Specialized Loan Servicing ( SLS ), adopt the escrow calculation methods adopted by SLS. I am certain that many are loosing their homes due to such practices. 

My loan was initially modified in XXXX by XXXX XXXX to allow me to maintain my home. The monthly payment was around {$2300.00} then. Since SLS took over, it has been catastrophic due to their ambiguous escrow calculation methods. SLS has been servicing my mortgage for less than two ( 2 ) years and my payment has increased to more than {$600.00} with an unchanged property tax amount. For example : The escrow analysis reveals, XXXX XXXX XXXX Pin + interest {$1700.00} {$1700.00} {$1700.00} Escrow Payment {$57000.00} {$590.00} {$1000.00} ( double ) Shortage amount {$93.00} {$270.00} {$110.00} Annual Escrow paid {$3900.00} {$8000.00} {$10000.00} Annual Escrow Paid out {$2600.00} {$7100.00} {$7400.00} Current Payment {$2300.00} {$2500.00} {$2900.00} Why the increase of the escrow amounts if the property tax or the property insurance has not changed? Why the increase of the escrow amounts if the shortage is being collected as well? I was told by other lenders that if the shortage is paid in full, there will be no increase in the monthly payment, unless there is a change in County Tax or property insurance. It has not been the case here. 

The escrow analysis of XXXX was conducted based on {$13000.00}, {$5700.00} X 2 +  the property insurance amount. They have indicated that they paid out {$5700.00} in XXXX and XX/XX/XXXX for property tax, and when I contacted the county, I  was provided with a proof of only {$5700.00} received in XXXX. They had no records for XX/XX/XXXX payment. I have to emphasize that my annual property tax cost was {$5700.00}. 

I contacted SLS last in XXXX and discussed the issue with a Representation on XX/XX/XXXX, that was not able to identify the discrepancies.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has XXXX my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has XXXX my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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

the inquires listed in this complaint was not me i did not fill out these applications
Product: Mortgage

I sold my home and the mortgage was paid off on XXXX/XXXX/17. At the time the mortgage was paid off, I had an escrow balance of {$8400.00}. I sent a letter to Homebridge Financial requesting the escrow balance be refunded and I provided a current mailing address. It 's now been 20 days, and I have not had my escrow balance refunded. Is there a limit to the time frame the bank can withhold my money?
Product: Debt collection

Same issue with XXXX XXXX XXXX and there client XXXX the law offices of Harris and Zide represent the debt buyer who has not tried to made contact with me or provide proof in my opinion they violated FDCPA plus the debt is fraud This law firm just loves money and suing people and if they do go to court I plan on counter suing
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX agreed to a pay to delete agreement And promised that if i paid the debt in full that they would delete it from my credit report on all credit reporting platforms. 
They have not deleted the account from my report as it is still listed under collections. 

In addition, i did not give experian, XXXX  XXXX or any Credit Reporting Agency permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights to begin with.
Product: Credit card or prepaid card

On XXXX, I applied for a Consumer Store Credit Card with XXXX XXXX. My credit inquiry should have been conducted by XXXX for review. Instead it was conducted by GreenSky Trade Credit, without my consent to do a credit inquiry. I did not apply for a " XXXX XXXX Credit Card '' My application was strictly for a Consumer credit card. I attempted to resolve this matter with Green Sky. Was told by agent to call Credit Reporting Agency. In which is XXXX. XXXX advised that company is responsible for action to remove/ delete inquiry from my report, considering it was not authorized. Please reference Application number XXXX. My request is for immediate removal of this unauthorized inquiry.
Product: Checking or savings account

I have been a Wells Fargo customer off and on since XXXX. I have had car loans and checking and savings accounts. I reopened a checking and savings account and did so two plus weeks prior to my deposit issue. Unfortunately, the local XXXX, VA branch of Wells Fargo closes at XXXX XXXX. on Fridays including the drive thru. I submitted a check deposit through the ATM and it was verified. The check being deposited was a Wells Fargo payroll check going into my Wells Fargo account. They have placed a hold on the check since Saturday, XX/XX/XXXX. I am told that they will not release the hold until XX/XX/XXXX. Under law, I am to the understanding that they can only hold a check for seven days. That I was told by XXXX in their customer service department was also a company policy. XXXX tried to say that on their end, it showed the hold being placed on Monday, XX/XX/XXXX. My documentation shows otherwise. I can not get anyone to help me with this and feel that not only is this poor business practices but also violating laws which in the past Wells Fargo has done and lost court cases to. I would like some help in getting this resolved as they are unwilling to help.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 3. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Childs support shouldn't be on my credit/consumer report OFFICE OF THE ATTY GEN Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The company agreed to completely remove the late reporting in exchange for paying the past due amount and not give the vehicle up to be repossessed that the account will be re-aged and current on all aspects including previous late reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.