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

I am requesting an investigation into XXXX Credit Bureau, as they have violated the Fair Credit Reporting Act by willfully failing to investigate. XXXX is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Creditors in question : 2 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I filed a dispute on the XXXX website for the four accounts listed below. In that dispute, I advised the credit agency I believed these accounts to be inaccurate and requested the following documents be provided to me as part of the investigation to validate these debts : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain. 

On XX/XX/year>, I received an update from XXXX via email, advising the investigation had been completed and the debts had been validated. However, the requested documents were not provided to me and no evidence to support the investigation outcome was provided within the 5 days of the completed investigation, as specified in the Fair Credit Reporting Act. This is willful non-compliance. 

On XX/XX/year>, I sent a letter to XXXX via certified mail, again requesting documentation to support this investigation, referencing 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( which relates to consumer disputes of information on a credit report ). 

On XX/XX/year>, I conversed with 2 different XXXX representatives who advised they were unsure of why the documents had not been provided and one representative advised me to file a report with the FTC in order to get these errors removed from my credit report.
Product: Credit reporting or other personal consumer reports

collections still reporting and asked for removal 3 times each XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses that have no association with my name : 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 XXXXXXXX unknown alias correct : XXXX XXXX XXXX incorrect : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan account from NAVIENT SOLUTIONS that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with NAVIENT per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XX/XX/1969 XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Debt collection

Information or compromise to a data bridge with Equifax these accounts were fraudulent accounts due to identity theft
Product: Money transfer, virtual currency, or money service

Transaction Information : Transaction Amount : {$110.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 The items purchased were returned via USPS which was purchased via Paypal. The return shipment was also tracked : XXXX ( USPS ). 

The vendor has their goods and Paypal is denying my request for a full refund.
Product: Debt collection

I got alot of lights on in my dashboard and contacted them about it, they told they are not making parts right now but once they start they will contact me. I keep having problems with the vehicle but they want to charge me for services they have recalls on. They have threatened repo.
Product: Mortgage

I received a call from a representative that works for amerisave on XX/XX/XXXX. The representative assured me that he could lock in a rate and beat any rate I was offered. I paid {$500.00} for a rate lock and received it in my email a few days later showing I was approved for a loan for {$190000.00} at a locked interest rate of 4.375 %. The letter showed that I was eligible for this rate lock until XX/XX/2022. This morning I was informed that they couldnt honor their rate lock and that my interest rate would be going up 1 % to 5.375 % even though Im still in my rate lock period. The letter also states that I would be guaranteed a {$1500.00} payment if the loan failed to close. Well, it didnt close because my rate was changed on me and they refused to fund my loan at the agreed upon rate but was told that I would not be receiving this {$1500.00} payment. This lender also ran my credit without my permission on XX/XX/2022. This company is using very deceitful practices with their certified preapproval letters and their rate lock system.
Product: Student loan

Started in XX/XX/2016 with {$220.00} payment to Ameritech. Then I paid {$200.00} for the next 10 months and I have been paying them a {$99.00} a month " service fee '' ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft
Product: Mortgage

Secured new mortgage with Stockton Mortgage in XXXX last year after going through extensive underwriting and submitting all my documents as requested by the company. Two months later I received a letter from them stated I needed XXXX XXXX. I did not have XXXX XXXX when I was approved for the loan. So I contacted my insurance company to get XXXX, but not having XXXX XXXX previously and now after a new mortgage closing it was very difficult to get. The letter Stockton Mortgage provided stated that my XXXX XXXX lapsed, I never had it. So the insurance company would not add it to my policy. I had to wait and have a new policy written. I live in Florida and my home is 8 houses from the XXXX XXXX. It is also hurricane season. I also had to have a wind mitigation inspection done before coverage would be approved by insurance company. 
Stockton went ahead and charged me {$370.00} for XXXX XXXX in XXXX for a period of 2 months that have passed. I received no policy from them or coverage dates or anything that I could possible use if I did have a claim. Also when called Stockton said it would reimburse my escrow account the {$370.00} back but after repeated calls another underwriter of theirs overruled. I made every good effort to correct Stockton 's oversight of requiring XXXX XXXX. I should not have to pay for a coverage that was not available to me and is unnecessary as there wasn't even any storms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and the other two burus is reporting an old first premier account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted  immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with first premier and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My bank I been with 7 yrs I went through all my bank statements 4times and realize that XXXX is missing with no paper trail or transactions the money is just gone with no explanation and I need help with filing a lawsuit against I have all my bank statements and documentation I work hard and for money to missing and they cant give me a straight forward message I would like to sue them for the money missing and the stress it has caused me they closed my account said it was compromised and they are only sending some of my money in a check which is XXXX when I had a deposit of XXXX in my account when there is supposed to be XXXX I want all my money so is there anyway I can file a lawsuit I tried to call several times they refuse to tell me what happened to my money Im honestly stressed and upset about my money i can be reached by email or phone XXXX or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Equifax on XX/XX/XXXX. Regrettably, Equifax has failed to respond to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 

Upon reviewing a copy of my credit report, I discovered the following inaccurate information that requires correction : Account Name : XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$54.00} I want to bring to your attention that the balance reported for the specified closed account is incorrect. This inaccurate information is significantly damaging my credit reputation. I request that you revise the Past Due information, as it is inappropriate to report a Past Due amount for a charged-off account. The negative impact of this account on my credit score necessitates an agreement with my creditor regarding the incorrect data. Therefore, I kindly request that you mark this account as disputed to prevent further adverse effects on my credit score.
Product: Mortgage

Bank of America loan origination date XX/XX/XXXX, loan amount {$210000.00}. 
Requested a 2 year payment history, due to misapplied payments, it is dated XX/XX/XXXX, gross unpaid principal balance on the report is {$230000.00}. 

I had a period of 3 years trying to get Bank of America to modify my loan and had to finally hire an attorney because I could not get anywhere with them by myself. I paid on the original loan amount for 12 years and now I owe {$26000.00} more than the original loan amount. 

I have been calling since XXXX to get help from Bank of America and as of today, I have yet to get the information that I need. Every time that you call you get a different person who tells you something completely different than the person before that and the person before that. 

I have a payment that was misapplied and have called on multiple occasions and was told that it is being reversed and applied correctly only to find out the next month when log in to make my mortgage payment it still shows that I am behind. 

I called on XX/XX/XXXX and was told I will get a call from a Manager within 24-48 hours, today is XX/XX/XXXX, still no call. 

I am in desperate need of assistance with my mortgage account at Bank of America.
Product: Credit reporting or other personal consumer reports

Noticed there were several hard inquiries I did not authorize.
Product: Debt collection

I lost my job in XXXX of XXXX. I was on XXXX  all of XXXX. 
I had major XXXX XXXXXXXX on XX/XX/XXXX. 
Went back on XXXX  XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. XXXX settlemets are also exempt from a levy. 
On XX/XX/XXXX, XXXX XXXX XXXXXXXX levied {$32000.00} from primary checking account. XXXX XXXX XXXX was represented by Nelson and Kennard Law firm : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) XXXX settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

Nelson and Kennard objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where XXXX   settlement funds have dried up, will be unable to keep up with bills, support family. 

XXXX XXXX XXXXXXXX Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. Nelson and Kennard elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with XXXX XXXX XXXX, always paying my card bill. They have the records. 

XXXX XXXX XXXX credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.
Product: Mortgage

I previously opened a complaint about a second mortgage Loan I received from hud in the amount of XXXX. I called loancare to get the break down of how much I was behind and the rep stated around XXXX including late fees. I then asked for a break down of where the remainder of the money went and if they could send me a break down of the remaining money in writing since I am have to pay off XXXX to hud. On XXXX loancare sent me only a copy of my agreement not a break down of how the money was added or not added to my account. I need clarification because I did not owe XXXX dollars and not understanding why they received so much. My mortgage balance as of now is XXXX and I purchased my home for XXXX and have been here for six years. Where is the money?
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, an Italian citizen currently residing in XXXX, I am reaching out to your office to file a formal complaint against moneygram for the mishandling of a money transfer from one of its central agency here in XXXX, which according to the conclusion of their investigation sent me by email, they are satisfied with the transaction reference number XXXX which was deposited to indicated account details in delay, which I believe that such claim is false from the fact that my fund was not consistently delivered to the account I gave in the moment of the transfer contract. 
Moneygram is not able to prove that the transaction was physically successful because it lacks the banking statement to confirm that, as the banking procedure operates, transfer of money to a bank which found the account faulty, are automatically sent back to the sender, moneygram apparently it is not able to find out where my money went, and being ambiguous responding to my request of refund, claiming that according to the Payment Confirmation document of MoneyGram International I have enclosed, the money was delivered, however showing low respect to my knowledge when that Client Payment ID XXXX refers to the acceptance of the XXXX Bank XXXX that payment to an active IBAN account related to their system, it does not prove that the money was put on XXXX account as its customer service confirmed on my request for verification. 
Here are the actual facts of my transfer contract with moneygram : It has been since XX/XX/year>, that I initiated a transfer of XXXX EUR, as shown from the receipt ( Reference number : XXXX ) through its agency, located in XXXX, intended for my XXXX account by the XXXX Bank, being solely accessible to my personal use as client of XXXX. 
Nevertheless, nearly a month after, I expected for my money to be available in that account, when I realized that the XXXX EUR had not been credited, such discrepancy compelled me I returned to the agency to investigate the delay, and after reviewing their filing, moneygram customer service informed me that the funds had not been returned to MoneyGram as expected for the usual systematic delivery default, and at no point did The XXXX Bank ever notify of this issue or returned the transfer funds, however MoneyGram had not up today given me a clear response about the location of my money, and I am deeply concerned about this unsolved problem. 
Given these circumstances, as the rightful owner of these funds, I believe that moneygram ought to refund me of my money according to their terms and condition statute, I want to consider my contract with them annulled, and request a prompt resolution to address this issue, specifically returning expedite my money, needed for my existential welfare. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

From XX/XX/XXXX - XX/XX/XXXX I had trouble making payments due to struggles while schooling and and injury preventing me from work. From XX/XX/XXXX - XXXX  XXXX, I had late payments due to the coronavirus causing me to be laid off from my job and not qualifying for unemployment. I reached out to Capital One and they wouldn't take off the reports of late payments but only temporarily reduced my APR which doesn't help me in the long run. I have started my job as an XXXX XXXX but it will be very hard for me to qualify for a mortgage because of delinquent payment history being reported on my account. Also, my payments are due the second of every month. I've noticed that if I schedule my account to be paid for the second of that month, sometimes funds will post either before the exact second of that month, or directly after, causing my payment to not count and it getting marked as late or unpaid. They never notified me of this and how it is affecting my credit long-term. This is unfair and I need help getting my credit better so I can qualify for business credit very soon and grow our economy by investing.
Product: Debt collection

{$1200.00} {$720.00} Commonwealth financial negatively impacted my credit on an account paid by insurance
Product: Debt collection

Portfolio Recovery was calling my phone number several times a day, every single day for months and the messages left on my voicemail were for a person that does not have this number. I do not have any details about the debt because it isn't my debt. XX/XX/XXXX I sent an email and mailed a letter to Portfolio Recovery requesting they stop calling my number for the debt of another person. I received a reply from Portfolio Recovery by email apologizing and saying the phone calls will stop. The phone calls stopped until tonight, I have received another phone call from Portfolio Recovery on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my XXXX report and my Police report that I have filed on my local police department that would testify that I am a XXXX XXXX XXXX XXXX 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.