23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am in the process of obtaining a mortgage. I applied with a mortgage company that after looking at my credit report indicated that they not process my application because I have XXXX accounts with disputes, and that they would not process the loan unless I remove the dispute. XXXX of the disputes is with collection accounts with XXXX. 
I had disputed the account because XXXX was never able to validate the account and they are claiming an amount for medical services received in NJ in 2012. I have not received medical services in NJ. Last time I received services was due to hospitalization in 2012. 

Reluctant to do and following the instructions of the mortgage company I requested ( see attached a removal of the dispute ). Transunion incorrectly classified the account as a new account placed for collection. My credit score declined overnight from XXXX to XXXX due to the wrong coding of the account. 
Although, I know I do n't owe the money I called XXXX to try to settle the account because I will not be able to obtain a loan with the decline in the credit score caused by Transunion. When I called XXXX today they indicated that they do n't have that account anymore and refused to provide me with an explanation of what happened. Nevertheless Transunion continues to report the account and now to make matters worse they reported this as new account placed for collection. 
In addition to that Transunion does not let me do a new dispute online to provide them with the information I am including here. 
I am requesting that Transunion take immediate action to remove the account completely from my credit report and bring back the score to the level it should be without that account.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

update : They refuse to respond to the state of maryland whose has approved HAF. They keep lying and pretending Maryland never contacted them repeatedly. 

original complaint : My Mother, a senior in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. She applied for HAF funds several months ago. In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. I caught this error before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a senior with a perfect XXXX credit score a 40 year mortgage. Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. They need to be monitored and investigated asap. Since first contacting Consumer Finance, Shellpoint appears to have committed fraud in the state of Maryland by lying to the Maryland Homeowners Assistance Fund which has caused a denial of a XXXX loan. They claimed that my Mother was in a modification with them and that she's not eligible for HAF loan. So they will make up total lies to undermine homeowners form receiving HAF funds.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00}
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to request that you remove the following items from my credit report. Each of the transactions I have identified were made by the thief, not by me. I never authorized, used, or benefited from these in any way. The following informing information needs to be removed from my credit report. 

Credit inquiries. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX not standing behind their Warrenty and discover card want to take their side I have all paperwork where Work performed and companies product inspected which their part failed
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 4 late payments being reported by XXXX  XXXX bank. I notice the late payment was reported in XXXX, XXXX, XXXX and XXXX of 2020. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING ISAC, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO TRANSWORLD SYSTEMS AND OWNS DEBT AND CEASE COLLECTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened up any accounts other than XXXX XXXX XXXX. I have been incarcerated for many years and was unable to open ANY account while I was in prison. XXXX XXXX is the only bank I have given permission to my personal information. 
I have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. 

Items on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX 

I want all these accounts validated and removed under 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER
Product: Vehicle loan or lease

I have been making on-time car payments since I purchased the car in XXXX XXXX  and they have only reported payments up to XX/XX/year>. They are 7 months behind in their reporting to credit bureaus which is affecting my credit score and I am unable to get approved to for other loans, approved for credit cards, etc.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$670.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Case # XXXX, XXXX XXXX XXXX Sold to Nationstar Mortgage DBA XXXX XXXX XXXX. 
Plaintiff Attorney : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I am a victim of fraud and deception on my primary mortgage loan. My lender misrepresented the terms and conditions of the loan. My loan as to my understanding was with XXXX XXXX XXXX for my reverse mortgage. They failed to notify me to confirm the occupancy of my home and made a decision to declare it as vacant/abandoned which was inaccurate. I am filing a complaint to have this investigated immediately to avoid losing my home.
Product: Checking or savings account

XX/XX/2021 I ordered some stuff from XXXX on my XXXX  account I transferred XXXX from my savings account which lifted it at XXXX USD my spending account had XXXX USD left over after my purchase at the store I wake up XXXX XXXXXX/XX/2021 and I CANT LOGIN IN MY CARD DECLINED FOR XXXX USD so I try calling chime bank its like Im blocked Im constantly sending them emails they not responding I have XXXX  kids and only the XXXXUSD IN MY POCKET LUCKILY WE HAD FOOD BUT CHIME NOT EVEN RESPONDING TO MY EMAILS NOTHING I NEED MY MONEY THATS ALL NOBODY WANTS TO EVEN CALL ME BACK XXXX I have proof of my balance too Ive felt for a while they was stealing my funds cause sometime the math DO NOT ADD UP AT ALL MY NAM XXXX XXXX by the way and thanks I hope this is taking care of right away I also had a credit card builder card with chime bank as well that account had XXXX USD IN THE ACCOUNT I never said close my account nothing didnt even do anything but I dont care I jus want my money ASAP
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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have worked months with Community Loan Servicing to get my Loan modification agreement, I had told them that my loan is being transferred to XXXX XXXX XXXX and I need to get it done before its being transferred so I should not have issues with the new servicer but they kept telling me that the new servicer will have to honor it, I finally got the Loan modification agreement docs on XX/XX/XXXX, I have sent it back on XX/XX/XXXX and Community Loan Servicing had executed it later, the loan was transferred on the XXXX of XX/XX/XXXX and they have not provided the Loan modification agreement information to new servicer which is XXXX XXXX XXXX the new servicer are still waiting for them to give them the information so they can update their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the problem on my credit reports and at first they did send my credit report from XXXX but unfortunately now I found someone froze my credit reports after getting it not too long ago and the local authorities stated they do not handle identity theft that is a federal crime great lakes still refuses to comply but the federal trade commission sent me a letter stating yes I can collect damages from any creditor denying credit especially for using my credit report against me!! my complaint is about my report being frozen again and the vicious cycle they send me in
Product: Checking or savings account

On XXXX XXXX I deposited a check in the amount of {$25000.00}. Four days later, on XX/XX/2023 I verified deposit and availability of funds. Bank confirmed availability of funds at just over {$40000.00}. Later that same day, I made a payment in the amount of {$28000.00} to XXXX XXXX. 

Next day ( XX/XX/XXXX ), Old National Bank returned payment as NSF. I contacted bank immediately and talked to branch manager, XXXX XXXX. He informed me bank put a hold on deposit and admitted they failed to advise me or give me any type of notification a hold was put on deposit. Again, this was retroactively done AFTER deposit made and verification of availability of funds. 

XXXX XXXX admitted mistake was 100 % on Old National Banks end and they would fix it immediately, even going so far as calling XXXX XXXX on three way call to admit mistake and correct it so we could resubmit payment. 

I was promised follow up next day which never happened. I left several messages on XX/XX/XXXX and XX/XX/XXXX, none of which were responded to. 

The only follow-up I have received from XXXX XXXX and Old National Bank was a sales pitch to try and get me to open a high yield account with them! 

As of XX/XX/XXXX, the funds are STILL not available and I have not received any further follow-up. I do understand banks have a right to hold deposits ; however, I further understand that legally they are required to provide notification of said hold. 
Old National Banks incompetence and failure to provide the legally required written notice has caused great embarrassment and financial harm to myself.
Product: Checking or savings account

On XX/XX/2018 at XXXX I contacted Wells Fargo to revoke authorization of debits for the company XXXX XXXX XXXX because they didnt disclose all of the hidden fees with me. A Wells Fargo representative acted as if he was filing a claim and gave me a made up confirmation number. Well on today when I checked my account the company XXXX XXXX XXXX had debited XXXX once again after I submitted a letter to the company and after speaking with a Customer service at Wells Fargo.i spoke with the bank again today they apologize and submitted a claim for real this time but now Im without my money because of an employee who I trusted at Wells Fargo.
Product: Debt collection

This debt is an entire account full of fraudulent charges that were added to my account by a mentally unstable individual working for the building management company, XXXX XXXX XXXX, who run the XXXX apartment building. This individual falsified and concealed information as well as distributed my personal information to other tenants and submitting fraudulent claims in court to further inflate their charges. 

All charges were created within 7 days of or immediately after I moved out, without any communication, simply a bill sent two weeks after move-out. 
Most notably, they are attempting to collect money for " Legal Charges '' which include {$750.00} of legal charges to reimburse them for an eviction case they fraudulently filed in court AFTER I already moved out. 
Again, they are attempting to assess " legal charges '' for a case that did not, and never could have, come before a judge. Therefore, it was an attempt to obtain financial gain by deception. The very definition of fraud. 

I provided written notice to move-out more than 90 days prior to moving out of the building from which the building management created these charges and have a written statement FROM the building manager at the time acknowledging this and stating very clearly that there would be no additional charges.
Product: Debt collection

Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.
Product: Credit reporting or other personal consumer reports

I talked to XXXX  CONTINENTAL FINANCE twice in XX/XX/XXXX about their innaccurate reporting. Their system took 2-3 weeks to draw my payment in XX/XX/XXXX, i complained to them in XXXX that it was not late and was submitted by the due date, it was their system that screwed up, they refused to fix it and insisted it was late, I filed a dispute through credit karma in XX/XX/XXXX after asking them twice to remove it because it wasn't my fault, it was stated as changed in XX/XX/XXXX when the investigation was cleared, they took the late payment off, and the dispute was closed. My credit score dropped again and when i checked today, XX/XX/XXXXXXXX XXXX XXXX the same late payment was REAPPLIED TO MY ACCOUNT! after it was resolved!! How is that legal?? This credit card company is very shady and consistently takes 7 days-3 weeks to process my payments, leading them to sometimes bounce when they wait too long, then i have to submit the payment again and pay fees! Ridiculous!! Customer support is very rude and always insists its me not submitting things on time! Now my credit card is locked and i can't use it anymore when it was working after the dispute initially removed it. WOW.
Product: Debt or credit management

On XXXX the XXXX of XXXX my account with midland credit management was paid in full. This was an original debt with XXXX XXXX for XXXX. XXXX XXXX. It was sold to midland and paid. 
Begining XX/XX/XXXX I started calling weekly requesting a pay off letter to both companies. XXXX would state they sold to midland and midland needs to provide the letter. Midland would state they need a letter of satisfaction from XXXX. XXXX I was told by midland they had the information from XXXX and I would get a letter in 10 days by mail and the letter would upload to the document center in 3 days. I have recieved nothing and have continued calling weekly getting the same story. I have spoken to several managers all saying 10 days. 10 days have passed multiple times. XXXX, day 9 from the last call and was told a letter was sent on XX/XX/XXXX. She will issue another letter by mail and that they don't uplaod to the document center?? This is new information again. I need this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Friday XX/XX/XXXX. There are no more 10 day periods left. If I can not get it I will be unemployed from the firm. I will contact XXXX attorney if it is not here on Tuesday. I have already filed with my XXXX XXXX to speak with an attorney on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 

Company Name & Inquiry date 1. XXXX XXXX date N/A 2. XXXX date N/A 3. XXXX XXXX date N/A Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

Sincerely XXXX XXXX
Product: Student loan

In or around XXXX of XXXX I reconsolidated the one loan I have for {$20000.00} so it was no longer a XXXX XXXX  loan. Again, I only have ONE loan. In XX/XX/2024, the loan was forgiven. MOHELA is refusing to clear my account and is continues to treat this loan as a XXXX XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair creditors reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open Consumer credit plan as late for any purpose
Product: Checking or savings account

I had a business account with Silicon Valley Bank that was closed by the Federal Deposit Insurance Corporation ( FDIC ) in XXXX of XXXX. I had a checking account balance of {$620000.00} in my business checking account at Silicone Valley Bank. I have contacted Silicone Valley Bank countless times regarding my business checking account at Silicone Valley Bank. Silicone Valley Bank is unable to locate my account or money. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX aka XXXX XXXX XXXX aka XXXX  possesses countless disputes here that are ignored, refuse to fix, or find a loop hole to get rid of dispute all aimed and intended to do nothing about the false data and to make sure that the false harmful data is always there with maximum harming qualities. 

1. The contract is unenforceable my performance excused because it was the result of fraud and they know it 2. The contract was canceled within the three day statutory time period 3. No payments were ever made 4. Payment for XXXX check XXXX was illegally misused to make fake fraud payments. Violation ca fin code 5. Payment for XXXX check XXXX was illegally misappropriated in breach of contract provisions in the contract enforced Remove this account from my credit file. It contains false fraudulent harmful information and u know it.
Product: Money transfer, virtual currency, or money service

Cash app let unorthodox with drawls unoridized Charges that I didnt make and they would not reimburse me