23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Filed written dispute with MCM on XXXX. Received correspondence back from MCM stating that it is unclear what Im requesting. Attached is copy of letter identifying the documents that I requested. 

Moreover, attached is MCM correspondence letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are inaccurate
Product: Debt collection

The following items are located on my credit report and does not belong to me. Please have them provide proof of ownership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage co transferred mortgage and has not paid the initial tax payment which we pay in to escrow. I am now receiving a foreclosure and lien on deed notice from my town.
Product: Credit card or prepaid card

XX/XX/XXXX I noticed my cash app card was missing and an unauthorized transaction on my card for the amount of XXXX I then contacted cash app as well as reported my card lost and stolen I also set up a new password as well I then received something stating that it was my fault because I allowed someone to make a phone call on my phone that I had to allow them to do it or some how involved then I responded back just because I allowed someone to use my phone doesn't mean I have anyone permission and they where making alligation that did not no was true they then stated they where going to escalate the matter and it could take up to 45 days to give the card and consumer time to respond it's been 48 days and still no resolution
Product: Debt collection

They sent a letter saying that they won a case in court and that if we don't pay or make arrangements will face jail.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit union and XXXX XXXX reports my Accounts incorrectly : My XXXX XXXX over the last XXXX years I have auto Debit with over draft protection a XXXX federal Credit Card. 
All of theses accounts have beed paid on time I have a record of 100 Percent on time : I recently had XXXX XXXX on an old injury from XXXX I was XXXX XXXX XXXX XXXX XXXX  Months. 
I have gone back to work with XXXX 's XXXX XXXX as a XXXX XXXXXXXX for XXXX months. I am paid direct deposit in to my Checking : Here is the Problem everytime I use my Credit Card XXXX XXXX XXXX XXXX XXXX  points are taken off my Credit report. 
I have on advice from a legal team that it is un-fair practise : All of the reporting Agencies are killing my good hard work : I have stated and it is on my Credit report I am 100Percent on time and have beed for 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}. 



XXXX XXXX Account # XXXX XXXX verified or different with the three credit bureaus, also the date of last activity. 2 violations. 

XXXX  accounts # XXXX Last date of activity difference on the three credit bureaus also the date of opening is different. 2 volations XXXX XXXX account # XXXX Last verify doesn't match the 3 Bureau also the date of last active and the date of opening. 3volations. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. XXXX XXXX  account # XXXX Last verified and date of last activity and date of open. 3 volations Total volations 16
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX   XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Product: Money transfers

Funds were taken from my XXXX XXXX XXXX savings account without my consent. ( XXXX entries on XXXX for {$89.00} each. ) These funds were sent to a fraduulanet Paypal account. I spoke with XXXX, they sent me to Paypal. After waiting over three weeks, PayPal still has not resolved the issue and even tells me that XXXX should reverse the fraudlent ACH.
Product: Mortgage

I had a flood in my house which my insurance paid me $ XXXX to fix. XXXX was quick to issue my check and unfortunately, Shellpoint has not followed their own procedures or california law with respect to releasing the funds owed to me. I am XXXX weeks pregnant, already displaced from my house, and now unable to pay contractors who have been working to repair my home. I have one threatening a lien, one is saying they will leave the job and I have paid XXXX out of my own pocket when I am paying for living expenses and my mortgage already. 

I have called and emailed Shellpoint every day from XX/XX/XXXX, since after they received and cashed the XXXX insurance claim check. 

XXXX XXXX the Loss Mitigation analyst has not responded to me in over a week. 
I escalated to XXXX XXXX he also stopped responding. 
I had to refuse to hang up to reach the manager XXXX XXXX, who now has all documentation and is well aware Shellpoint refuses to pay money until an inspection is scheduled. 

The inspection has been requested every day from XX/XX/XXXX. They refuse to let me order my own inspection, they refuse to give me the inspection company name. I dont know how else to get access to these funds owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/2023 to have a medical collection removed, given that a new CFPB announcement stated that no medical debt greater than {$500.00} would be reflected on consumer credit reports. The medical debt in question is for {$160.00}. On XX/XX/2023, Equifax did not remove the collection, but stated that it was accurate and would remain. Let it be known that other disputes were opened with both XXXX and XXXX to which both removed the medical collection. Im unsure why Equifax is the only bureau to not remove the collection, but given past history with bureaus not updating and reporting accurate accounts, Id like to have this matter reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN vXXXX XXXX XXXX CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to a serious issue with my credit report, which contains mixed information. I have repeatedly identified accounts, transactions, and items that do not belong to me. This situation is deeply troubling and has been causing me significant stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported that account was 30 days past due. Made a payment before the cycle date. Account is no longer past due but reported payment late for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX I submitted a request via telephone to TransUnion credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which transunion 's response to my request is that transunion 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Product: Mortgage

I have a first mortgage with Primary Capital Mortgage and a second mortgage with XXXX. Primary Capital agreed to do a short sale on my house after I submitted my hardship paperwork to them. I have a sale and purchase agreement on my house and the amount of money the people are offering will pay off the first mortgage completely. Primary Capital told me that I should just seek out a short sale with my second mortgage company, XXXX, so I 've submitted my hardship package to them and they are in the process of looking that paperwork over. Now, Primary Capital has hired a law firm called XXXX, XXXX and XXXX, XXXX to conduct a non-judicial foreclosure scheduled for XXXX XXXX, 2016. I just received this paperwork last week. I 've put pressure on XXXX to please hurry with the short sale so I do n't have to go through the foreclosure with Primary Capital. XXXX has a timeline that they say they must follow. They do n't want to be pushed. I 've asked Primary Capital to please delay the foreclosure to XXXX XXXX, 2016 so that XXXX has more time to finish what they must do to allow the short sale to take place. Primary Capital says they wo n't delay the foreclosure. Primary Capital has asked me to call XXXX, XXXX and XXXX, XXXX to ask them if they 'll delay the foreclosure. I believe this is wrong since it was Primary Capital to hire the XXXX law firm in the first place. My realtor is XXXX XXXX of XXXX. XXXX XXXX 's short sale law firm is called XXXX XXXX XXXX XXXX. XXXX XXXX, from XXXX XXXX law group is the short sale specialisth who has been working with me. XXXX XXXX XXXX is my representative. I feel like Primary Capital is being unreasonable because they know they 'll get their money since the people who want to buy my house are offering more than the amount they require. I am desperate for help because I do not want to go through foreclosure at all. Primary Capital is n't doing what the government says the lenders should do to provide foreclosure alternatives to us homeowners. All I want is to delay foreclosure another month, to XXXX XXXX, 2016 in order to give XXXX Bank the time they need to process the short sale on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries should be deleted. Inquiries : 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
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cre
dit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am writing to dispute the following items on my credit report. 
it shows on my report that -XXXX XXXX XXXXXXXX was late for the last payment in the month of XXXX of 2018, This Account has Never been late please remove the Late payment of my report
Product: Debt collection

I was living at XXXX XXXX XXXX XXXX and gave notice I was moving out. I applied for and was awarded 3 months of rental assistance due to COVID-19 relief funds. I paid my first payment and was told they would not cash my second check because they needed a written letter from the state of Florida stating I could use the funds for my end of lease charges. That they required written consent to use the funds for anything other than rent charges. I don't believe this is a rule as Our Florida and COVID-19 just started the relief program. I advised the only thing I had was a number to call and I did twice, and two times they advised I could use the funds for any charges on my account with XXXX  at XXXX XXXX. I advised the property manager this and she would still not take the check already addressed to the apartment complex. I attempted to contact corporate who did nothing. I attempted payment again and it was sent back to me. I attempted until the check expired. The property manager was being very uncooperative and knew there was no one who would write a letter stating the check was valid. She also would not contact anyone on her or my behalf to verify either. She knew exactly what she was doing.
Product: Money transfer, virtual currency, or money service

XXXX There was a transfer of {$180.00} through XXXX XXXX Wells Fargo XXXX someone that I do not know. I have never used XXXX before, the only app I use is XXXX so it was weird for me to see a transaction on my account through XXXX. I called Wells Fargo the same day that it occurred and they said they would help me. The company said they would reach back to me in XXXX business days. 
XXXX I get a letter in the mail that says that the activity on my account were authorized by me and will not credit me back the {$180.00}.
Product: Debt collection

Keep receiving multiple harassing statements at a time from FBCS representing XXXX. It indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't owe or have any knowledge of this debt. Phone number listed XXXX. I had prior phone calls from a male impersonating a lawyer. Said he will find my closest family member or serve me at my job. He called two days in a row and both times I asked him not to contact me again.
Product: Debt collection

Nationstar is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.
Product: Debt collection

I called the # listed by employer for ADP to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. ADP has a phone prompt that direct you to a # supposedly to the XXXX County Magistrates Court. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to ADP who doesnt respond in person. I am a XXXX  y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
Product: Credit reporting

I have disputed the account : XXXX & XXXX XXXX XXXX with XXXX Equifax , and XXXX due to Fraud. I contacted XXXX XXXX XXXX & XXXX after Equifax stated the information came back verified as accurate. XXXX XXXX XXXX assured me they sent an AUD to have the information removed from all XXXX credit bureaus. I requested a copy and forwarded the letter from XXXX signed by the Credit and Collections manager, with a screenshot of the updating the removal of account and email correspondence. Equifax refuses to remove this fraudulent account from my credit bureau file. I have called over 30 times between XXXX XXXX and XXXX XXXX and my request to have the item investigated to be removed. I am transferred from XXXX agent to another, then a different supervisor who advises " we will open a dispute and provide the results in 30 days ''. This response was given in XXXX, XXXX and XXXX. It has now been 90 days and I continue to fax, email, and call Equifax weekly and CONTINUE TO RECEIVE THE SAME RESPONSE. 

This account is causing EXTREME HARM AND DAMAGE to my credit profile and preventing me from qualifying for my first home loan program. 

Equifax is reporting as : XXXX & XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : Account Status : Collection Past Due Amount : {$XXXX} Comments : LAST REPORTED DELINQUENCIES : XXXX CONS DISPUTES - REINVESTIGATION IN PROCESS PAID CHARGE OFF
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion were all certified mailed a letter in XXXX about incorrect items on my credit report. I specifically gave them all updated current information and to remove all old information. They re-added the old information. This is a violation of the Fair Credit Reporting Act ( FCRA ) as they knowingly maintain inaccurate information on my credit file. I demand immediate and permanent removal of all incorrect personal data. Such as old employers, phone numbers and addresses, as they are no longer valid. I request CFPB intervention to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit with experian and they have 3 bankruptcies reporting on my credit report. I reached out sent expungement letter from the bankruptcy court XX/XX/2023 to remove the actions off. I have not gotten a response they have not been removed nor the inquiries.
Product: Credit reporting or other personal consumer reports

I need to dispute previous address that appear on my credit report there is a telephone number that also appears on my credit report XXXX XXXX XXXX does not belong to me I need to dispute this
Product: Debt collection

I'm disappointed by your failure to remove fraudulent accounts from my credit report despite confirmation of identity theft and assurance from the associated bank. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This violates the Fair Credit Reporting Act. I demand the immediate deletion of the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the complain against Better.com or Better Mortgage company. They are not honoring the interest rate that I locked. This is not due to any change in my financial condition or credit score or employment. During underwriting, I was made aware that they can not provide rate that I locked and asked to chose the option that was more than initially offered. The worst was they were not even honoring the published rate in XXXX. They were not ready to negotiate. I am closing in a week and the timeline does not work well for me to start over. I just wanted to share this with other dealing with Better.com. Just locking the rate with them does not mean you will get it and the end and just be prepared for surprises. Please be aware.
Product: Student loan

My husband and I have a joint spousal consolidation loan which needs to be separated ( per PL117-200 ). Since the US Dept of Education has not yet implemented this law ( signed on XX/XX/22 ) our student loan lender refused to pause our payments. We are both XXXX  and eligible for PSLF, but can not apply for this until our loans are separated. American Education Services ( AES ) acknowledges that we have made well over the required 120 payments. We are unable to pay $ XXXX on student loans that should literally be gone. We are asking for a pause ( like all other direct federal loan borrowers have ) until the US DOE implements the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.