23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There were XXXX XXXX XXXX Money Orders that were deposited into my Bank of America account on XX/XX/2021 for {$500.00} each. The Deposit Slip confirms that funds will be made available XX/XX/2021. However, shortly after, I received an email from Bank of America which stated the following for each money order : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Please note that for every check or money order deposit that is received to this account, the very same statement is used as justification for a hold, yet no deposits have ever been returned. For this case, the issuer of the money order has been called and the money order has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Equifax back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX Account # XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Adjustments has a debt from XXXX in the amount of {$580.00}. They ( diversified adjustments and XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX  LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
Product: Debt collection

I made monthly payments on the outstanding debt as ordered by Selip & Styliano LLP. I do not think those lawyers actually exist. Can CFPB check to see if these lawyers actually exist because they refuse to come to the phone. A lawyer who is collecting debt should not refuse to come to the phone. I have only been able to speak with " non-attorney '' representative, like XXXX XXXX, who refuses to escalate my problem. I have made all of these payments for the last 3 years but they are not showing I am paid off and refuse to verify what they have received from me. I want total discharge of this debt that I have paid over the last 3 years. This law firm of Selip & Stylianou LLP should be disbarred. They collect money for collecting debt but don't actually exist and will not address consumer concerns. I asked for their help but they refuse!!!!!! 

SELIP & STYLIANOU , LLP - THEY SHOULD BE DISBARRED!!!!! 
Attorneys at Law 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
Product: Debt collection

XXXX, 2021, I attempted to get a drivers report online. Instead I got charged {$1.00} off of my mastercard. Later they took {$18.00}, for a business to check on employees report to hire them. So I ended up not getting the report that I wanted, and nothing else for the {$18.00} they took it. I did not authorize it. That was the Wisconsin DMV. I did send them a email explaining the situation to them. They sent me a email back telling me that ( We do not refund any purchase you made on any website that is not ours, and please contact your bank to dispute refund ) That was XXXX XXXX, 2021, at XXXX A.M. There is not any bank listed on the card I have, so I do not know whom to contact. I have been trying for several days to contact XXXX customer service. I always got hung up on, Their phone number that I called for mastercard is : XXXX.
Product: Credit card or prepaid card

To whom may concerned : I have this XXXX XXXX XXXX credit card bill issues. 

I got the bill for {$17.00}, that is due XX/XX/XXXX. But since in late XXXX I was travel in XXXX till today, but my husband is in USA, and he paid the bill on line in XX/XX/XXXX. At the time he was making the payment, the balance shown was {$17.00}, even we were two days late. After paid for the bill, we did not use that credit card anymore. 

We paid the bill and thought we do not own the credit card. But in XX/XX/XXXX, after we had paid our full bill amount. The credit card company still charge us late fee and create a new bill for {$19.00}. Then in XX/XX/XXXX a bill for {$24.00}, in XX/XX/XXXX a bill for {$66.00}. Since we had signed up for on line  statements, and the email notification is going to my email account, but I was travel in XXXX all these time, not easy to access the email, and worst yet, I do not expecting another bill. Until my husband received the letter bill of {$66.00} in XX/XX/XXXX. 

In XXXX, I had contacted the credit card company, by phone XXXX, and told them our situation, they said they try calling us, and leave messages, but my husband check the phone call history, it only shown a few anonymous calls and no messages from the credit card company all these time. The credit card representative only agree to drop the bill to {$42.00}. XXXX and if I pay for that amount, then my account will be XXXX dollar balance. 

I do not agree with the credit card company 's charge, but I dont want the bill goes higher, so I agree to pay for {$42.00}. XXXX to bring my balance to XXXX   dollar first, and make my complain later. And I paid {$42.00} on XX/XX/XXXX.

I only two days delay to pay the bill before the due date, after all I did PAY for my bill before the next statement. If need to be charge, should only charge for that two days late fee only. The way the credit card company doing is ripping people off, they ignore my original full amount of payment, and make new charges to me, this is unreasonably, unfairly and discriminate, and because of these late fee charges, it ruing out my credit report! I am asking for a fair judgement!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Bank XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Account XXXX 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of Fair Credit Reporting Act by XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted XXXX XXXX XXXX regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, XXXX XXXX XXXX has not updated my information with all three credit bureaus without correcting the inaccuracies. 

I kindly request that your offices investigate this matter and take appropriate action against XXXX XXXX XXXX for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

Dear Customer Representative, I am filing a complaint do to increase in mortgage payment of {$96.00} payment due date XX/XX/year>. I received statement in mail and called Lakeview Loan Services today XX/XX/year> spoke to XXXX XXXX XXXX XXXX ) XXXX for explanation of increase she stated we had a shortage in Escrow account of XXXX + XXXX minimum required balance total of shortage = {$710.00}, would be divided in 12 monthly payments XXXX I am in disagreement with their Escrow analysis they have prior year insurance in XXXX XXXX. We had XXXX  XXXX XXXX XXXX XXXX they did not renew our insurance, I was not aware of this because I never received any documents about non-renewal. I became aware of this when Lakeview Mortgage notified me and I obtained a new Real Estate Broker and got a new policy for {$1500.00}. less deposit we paid {$240.00} we owe for the year {$1200.00} 12 months = {$100.00} per month insurance prior year insurance was {$1000.00}. 12 months = {$91.00}. 
I was expecting a small increase in are mortgage of {$16.00} ( new insurance XXXX prior amount XXXX = increase of XXXX ). I tried to explain my concerns to Lakeview Mortgage she kept saying to look at Escrow Statement which I did not have, she emailed a copy. I do not understand how they are arriving at a shortage when they do not have the accurate amount of insurance we are paying plus they still have prior insurance on Escrow analysis. Will you please review the documents I am submitting because we are on a very low fixed income and can not afford the new payment of {$1000.00}.

Also, I do not know how they arrive at there escrow computation for taxes and insurance because when I add up the 2 and divide by 12 months the amount is a lot higher than what it should be. Example : Insurance total year {$1500.00} plus Property taxes {$1500.00} = XXXX. 12 months is {$260.00} there Annual Escrow amount states {$330.00} and on monthly statement includes prorated shortage of {$59.00} total of {$390.00}. I apologize for the inconvenience I have caused you but I do not have any knowledge about Escrow Impound accounts and if you will please advise me if we are being overcharged. 
I am enclosing a copy of new insurance policy plus receipt of payment we made, copy of Escrow Statement that was emailed to me, copy of monthly statement from Lakeview and a copy of prior insurance. Please let me know if you need any additional documents. 
Thank you, XXXX XXXX
Product: Debt or credit management

I started an account with XXXX to help pay down my credit card debt with a lower interest rate. They did not report to the credit bureaus and paid credit cards monthly, which I then made monthly payments on at a lower interest rate. 

XXXX suddenly went out of business and sold my debt to a collections agency called XXXX XXXX XXXX XXXX. 

XXXX was supposed to help me get out of debt and improve my credit score. Now, this is going to start showing as collections and tank my credit score. In addition, my agreement with XXXX was not a fixed year loan, but now XXXX says it is a XXXX  year fixed loan. It really doesnt seem like what is happening here is legal. 

The new company XXXX does not allow balance transfers so my options have become even more limited. 

I am afraid to make payments to this new company because it doesnt seem very legit and I believe a class action lawsuit will probably be brought against them in the future, I dont want to lose my money. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXXXXXX XXXX Account supplied your company. I have highlighted in yellow the items I dispute on the attached copy of my credit reports. 


This account was verified & accurate, however there are several inaccuracies on this account being reported. All the bureaus are reporting different information. Also, on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed XXXX XXXX  Account. However, the Date Updated did not change. It appears that no investigation was done. I am requesting deletion because the procedures were not followed outlined in the FCRA. 

Transunion has committed several FCRA violations by not conducting a thorough investigation and by also reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian XXXX XXXX  XXXX due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Inaccurate Comments : - XXXX  report includes the following statements : " XXXX included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX. '' " CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' " Account was in dispute now resolved reported by subscriber. '' - These comments contradict the information provided by XXXX and XXXX, which offer differing remarks about the status of this account. 

- Furthermore, Experian has failed to provide supporting documentation to verify these claims. 

XXXX. Missing Information on Last Payment : - Experians report does not include any details regarding the last payment for this account, violating 15 U.S.C. 1681g, which ensures consumers have the right to access the complete details of their accounts. 

XXXX. Inconsistent Dates and Payment History : - Last activity : XX/XX/XXXX - Payment history includes : XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( 1XXXX0 days late ) XX/XX/XXXX ( XXXX days late ) XX/XX/XXXX ( " Charge Off '' ) The rest of the months are blank. 

- These delinquencies and the " XXXX XXXX '' designation are contradictory to : XXXX completely blank payment history. 
XXXX history, which shows different late payments and includes several months marked as " OK. '' Laws Violated : XXXX. XXXX XXXX. XXXX ( b ) : Experian has failed to ensure accurate and consistent reporting of data. 

XXXX. XXXX XXXX. XXXX ( a ) : Unverifiable information, such as the " XXXX XXXX '' status, has not been removed as required by law. 

XXXX. XXXX XXXX. XXXX : Experian has omitted critical details about the last payment for this account, denying me access to the complete account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Back on XX/XX/XXXX I submitted a complaint because I was struggling to get my mortgage statement from Select Portfolio after multiple attempts identified in my original complaint # XXXX. ( ie - told my multiple representatives that the mortgage statement generally are generated between the XXXX - XXXX of a month ) I was finally able to receive my statement on XX/XX/XXXX. 

I have now waited to receive my XX/XX/XXXX statement that I anticipated to be available between ( XXXX XXXX XX/XX/XXXX ) this statement is important as I have not been able to review how my mortgage payments have been applied. This includes payments for ( XXXX, XXXX, XXXX, and XXXX ). 
So based on the timeline of XXXX between XXXX - XXXX for the XX/XX/XXXX payment, On XX/XX/XXXX I contacted Select Portfolio and requested statement. I was told to be patient. I can not understand why a timely statement is not generated and I am having to call and request for my mortgage statement.
Product: Mortgage

re : Wells Fargo loan modification denial I tried getting a loan modification from Wells Fargo between XXXX and XXXX but was denied several times. I lost my job in XXXX, which prompted us to pursue a loan modification from Wells Fargo. The loan terms from Wells Fargo were so exorbitant that it was impossible for us to honor our mortgage payments. Being denied the loan modification, resulted in us eventually short-selling our house in XX/XX/XXXX. 

I saw this news story that Wells Fargo had reached a settlement to compensate people that were wrongly denied loan modifications that led to the foreclosure of their homes. I believe that we are victims of that wrongdoing but were never contacted by Wells Fargo. 
I've contacted Wells Fargo but was given no answers so I hope the CFPB can help us in this regard. 

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

Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I received a written attempt to collect a debt from XXXX XXXX  XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report and found that XXXX, XXXX and EQUIFAX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States XXXX XXXX XXXX XXXX XXXX has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). XXXX, XXXX, and EQUIFAX has caused harm by furnishing inaccurate information on my consumer report. According to 15 USC 1602 ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1