23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. 
I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. 
Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.
Product: Mortgage

i have a mortgage with Select Portfolio Services ( XXXX ) a decade ago i was informed that my property had been placed in a flood zone and i would have to purchase additional insurance, at first i did not search for insurance instead allowed them to purchase for me and attach payments through and escrow payment each month. 2 years ago i sought out and purchased insurance on my own, ( XXXX XXXX ) less expensive and more coverage. XXXX reported my current flood zone as X SPS sent me a letter ( attached ) that they have the flood zone as AE, after correspondence with SPS they agreed to terminate my XXXX XXXX XXXX and accepted my XXXX policy. The policy is now up for renewal and i am getting the same message from SPS ( letter attached ), in fact i have found out that flood zone X does not require additional insurance at all. I have since sent notification to SPS of my intent to pursue what ever resources are available to me to resolve this issue. I have attached documentation including a letter i sent to SPS
Product: Credit reporting or other personal consumer reports

Under fair credit reporting act, I am being discriminated against because of age. 

Im being assessed as a minor, at least that what I have gathered based up the responses ive received.

I dispute the accuracy or completeness of the information.

Furthermore, an evaluation at the doc has declared me as an XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX  has removed 22 accounts, but Experian states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX  are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( 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 right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is ( XXXX XXXX XXXX  Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows in this letter above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email saying that my credit score had changed so I looked at my credit report and it showed a online bill pay alert ( unpaid ), an XXXX XXXX XXXX XXXX XXXX XXXX  company ( again unpaid ) and a XXXX XXXX XXXX company ( yet again unpaid ). I applied for a loan in XX/XX/XXXX through the a credit union and was told ( and received a letter to effect ) that I had absolutely no credit ... neither good nor bad. Now in the span of months I've got bad credit when I never  apply for anything. Ever.
Product: Mortgage

I have been in the modification process with CitiMortgage for the last 2 years. I am consistently denied a modification. My last XXXX denials were because of unverifiable income. I work on the books, get a paystub and XXXX and my job deposits my money in my account every month. I get rental income, that is also deposited in my account every month. I submit any and all documents that were requested. I even forced my tenants to sign a lease because the banks said that I HAD to have a leases, though I did not want XXXX. I do not understand why my modification request is being denied. I make {$66000.00} a year plus have {$16000.00} in rental income. I filed bankrupcy and it was discharged in XXXX 2015, so I do not have any other revolving debt other than my student loans. My mortgage balance is {$390000.00}. I need help in determining why they are allowed to do this. I provide everything in a timely manner.
Product: Debt collection

FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX Fox Collection Center reports to have a collection account dated XXXX in the amount of {$160.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy. 

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from XXXX and XXXX are reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 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.
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 XXXX XXXX XXXX do not want to have this information that does not belong to me in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX XXXXXXXX cards are reporting to my Equifax. However, both are reporting to both XXXX And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and find out that I have 3 inquiries in which I do not authorized or recognized. So I decided to contact the creditor but the never respond to my letter, then I decided onXX/XX/2019 to contact the credit bureau in which it was Experian. I got dispute results of deletion, they delete 2 out of 3. Which was 1. XXXX XXXX 2. XXXX XXXX The 3rd one was XXXX XXXX  in which they did not delete, instead the delete XXXX twice which was not making any sense. I sent experian the dispute on XX/XX/2019 demand to delete the unauthorized inquiry with XXXX XXXX but I never heard from experian until today. Thats why I decided to contact you for help to delete this unauthorized inquiry on my experian credit report. I am going to attached the letter I sent to experian and the results of the dispute.
Product: Debt collection

The credit bureau has claimed that the debt is verified and I have not received any documentation from either the credit bureau or the company listed below ... ... ... ..... 
Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$700.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Type Responsibility Remarks Original creditor name Open - Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX Report info ^ Account Details XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXX XXXX XXXX  XXXX Original creditor XXXX  Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX Report info ^ Account Details MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$640.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Type Responsibility Remarks Original creditor name Open - Individual Account information disputed by consumer, meets FCRA requirements MIDLAND CREDIT MANAGEMEN Report info ^
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Product: Debt or credit management

Credit agencies are reporting inaccurate information on my personal credit history and report
Product: Mortgage

PennyMac, my mortgagee drafted a payment from my bank account {$560.00} in excess of the scheduled payment. They sent me a refund check for that amount with no explanation of how it happened, and certainly without interest for " borrowing '' my money without my permission for the duration.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOT A PREAPPROVAL FOR CARD YET MY CREDIT WAS STILL RAN GIVING ME MULTIPLE HARD INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Product: Mortgage

On XXXX, we went onto our mortgage servicer 's website, Ocwen loan servicing to check to see if the information they have was correct. We noticed the last time Ocwen reported to the credit bureaus was on XXXX. We also noticed that we had no information prior to XXXX XXXX. In XXXX of the credit history reports, it reflects that Ocwen notified the credit bureaus a XXXX on XXXX & XXXX XXXX, when were were not late. We sent our payments to Ocwen by certified mail after we received our HAMP modification in the beginning of XXXX. Ocwen also shows that we have no payment history for XXXX XXXX, XXXX thru XXXX XXXX and XXXX XXXX to present. Please review our payment history printout. As you can see, from the payment history report that was printed on XXXX, we paid Ocwen on time since XXXX. Please review all enclosed documents. On XXXX, we called Ocwen to have these issues corrected but Ocwen failed to accurately report once again to all the credit bureaus. On XXXX, we went back on Ocwen 's website and printed up more documents. As you can see, Ocwen changed our credit reports and is now showing, no payment history available from XXXX XXXX & prior which is incorrect when we made our mortgage payments every month and on time ever since we had received our HAMP modification in XXXX. Per CFPB request, we can provide documentation that we made our payments and on time! If this occurs, Ocwen must be held responsible for my time/costs to locate all the documents! On the new credit history report from Ocwen, it reflects no history in XXXX, no payment history available from XXXX to XXXX XXXX, XXXX to XXXX XXXX. Enclosed are copies of the reports printed from XXXX website along with the credit bureaus reports for XXXX XXXX and XXXX XXXX along with a HAMP modification that was executed in the beginning of XXXX. Again, we sent all of our mortgage payments to Ocwen by certified mail every month and they were on time. Ocwen loan servicing has failed to comply by the law ( s ). Ocwen has failed to report our mortgage loan by law to all of the credit bureau 's on time ( monthly ) and accurately. Ocwen and it 's affiliates must be held accountable for their actions but not limited to the following ; fines being imposed, loss of business license, criminal charges, lawsuit. By Ocwen not reporting on time and accurately, Ocwen has damaged our credit history/rating ( fico scores ) causing us not to be able to get a loan. We request that Ocwen loan servicing correct these issues and report accurately going all the way back to XXXX, to all of the credit bureaus immediately.
Product: Checking or savings account

On XX/XX/2018, was informed that my checking account was overdrawn and charged {$35.00}, in the past I have been told by Bank of America that as long as I deposited cash by XXXX local time into the account on the day I was informed of the overdraft that I would have this fee refunded. I was told by representative XXXX on theXX/XX/XXXX that that is true, but he could not refund the fee. 
I did put {$300.00} into the account on the XXXX at XXXX XXXX. This put me in the black on the account
Product: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.
Product: Student loan

Ive been in school at XXXX University for sometime now and Ive accrued about 20 different loans from this school with XXXX XXXX XXXX. I was out of school for some time due to hardships where I lost my job and was unable to make the monthly payments of {$500.00} per month to continue to attend school. While I was out my 20 loans all reported something negative on my credit report ranging from the months of XXXX-XX/XX/XXXX. I spoke with Nelnet and advised them of my hardship and asking as a Goodwill will they remove the late payments attached to my credit reports. I am currently back in school and on track to graduate in XX/XX/XXXX. The student loans have negatively impacted my credit reports. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX- XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX - XXXX XXXX {$230.00} XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX / 17  I lost access to my account with Coinbase. I became unable to login to the account as  Coinbase  has stopped sending me verification emails. No problems exist with my email account itself. I filed a support ticket and attempted social media contact on  XXXX / XXXX / 17  ( and since ) and have received no response from any human support representative. I am unable to turn off or on existing recurring transactions, view my balances, or move any of my existing assets out of the account. I would like to resolve these issues and continue doing business with Coinbase.
Product: Debt collection

I asked this company to verify this debt pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997.
Product: Checking or savings account

XX/XX/XXXX through present PNC bank has multiple errors noted in my account. Tried to discuss them via Customer Support via Chat with no success other than the standard cut and paste answers. These duplicate credits and duplicate withdrawals need to be corrected as they affect my correct balance. I have attached the errors in question via XXXX XXXX and XXXX XXXX. Unless there is a glitch in their system, these duplications should not be occurring. Please see screenshot attached. Please assist in resolution.