23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Date of Incident : XX/XX/2020 I own a condominium in Colorado. A neighbor with the same address but different unit number was applying online for a refinance mortgage with : Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX When going through the application process, my neighbor had a screen appear asking if he wanted me and my wife to be part of the loan? The screen also showed our names, address of other property we own out of state and our CREDIT SCORE. 

I feel that his is an unethical business ( possibly illegal ) practice and our personal information should never have been in any way linked into another 's application using whatever data base that they have access to. I have never done business with Amerisave or ever contacted them about a loan. 

On three occasions, I have attempted to contact the company. Twice ( XX/XX/2020 ) I spoke to " customer service '' and had to leave voice messages for people I was transferred to because the live person did not know how to deal with this issue. On the third occasion ( XX/XX/2020 ) I spoke to a person who was going to transfer me to customer service again but told him I have done that and had no reply. Requested he speak to his supervisor to elevate it to a higher authority and requested a call back. As of today, I have not heard anything back from Amerisave.
Product: Credit reporting or other personal consumer reports

I am being mistaken for another person whom a collection on my credit belong to I need this to please be corrected ASAP it is causng a lot of damages to my personal and financial life.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accountsin from my report : 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 or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

There was an account opened in my name from Capital One on XX/XX/year> for the amount of XXXX dollars I noticed the account once I started to see my credit go down because of late payments to where its been negative since I noticed and reported that the credit card was fraudulently open under my name by someone else and it needs to be closed and remove from my report. I have tried to resolve this issue over 7 different occasions also with my police report in regard of this account and nothing has happen they denied my claim and continue to report this account after I tried that and through the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have a late payment on my report that shouldn't be there. Late payments only stay on reports for 2 years and it's been 2 years and 3 months. And it's still reporting as a late payment. For transUnion and equifax. The account is from XXXX XXXX XXXX. XXXX of XXXX
Product: Debt collection

Have no clue what this account is, I reached out to Portfolio Recovery regarding this error when I first discovered it on my credit profile, This company failed to inform me of this debt, I called the company and informed them i had no knowledge of this debt and who was the original creditor and how do i owe this debt, The rep kept trying to pressure me into paying it and wouldn't give me the information i requested such as who is the original creditor and why do they feel i owe this debt .I hung up and sent out a letter asking for validation they sent me a bill I still had know knowledge of the account because i never had an account with the company, So i sent them another letter with the law as to what validation meant .I also sent in a request In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) ( if applicable ) a copy of the judgment. 
e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in Louisiana, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 52 days passed and Portfolio Recovery has refused to respond.I mailed letter via certified mail and upon tracking the letter it was received
Product: Credit reporting or other personal consumer reports

Its outrageous that accounts in litigation are still on my credit report, damaging my XXXX XXXX due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have previously disputed this item XXXX XXXX XXXX XXXX, with Transunion. In response Transunion verified the item as accurate, Stating that they have verifired the information with the UNITED STATES BANKRUPTCY COURT. I contacted the court and their response was the Bankruptcy court does not have a relationship with the credit reporting agencies. It is clear the Bankruptcy cour does not report to Transunion or any other credit bureau, therefore Transunion 's response for verifying the item with the court was an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. and 1681 ) and the information must be deleted immediately.
Product: Payday loan, title loan, or personal loan

Hi I am writing to report a problem with GreenSky. Hi, I'm writing to you because I have a loan with the GreenSky company. I took out a loan on XX/XX/2020 from this company for roof repair. The roof began to leak from XXXX. I spoke my problem with the selling agent who helped me report the leak. I made my report on XX/XX/2020. I was sent by XXXX people who glued it. The leak continued to progress and I reported it again by calling and emailing. Now is XXXX and I have reported the problem XXXX times this month, and I have not received a response. I would like to know what I can do because they don't listen to me but I do have to keep current my payments. Today I decided not to make the payment to see if the problem will be fixed before winter begins. There are XXXX Companias and XXXX is called GREENsky XXXX XXXX XXXX located XXXX Georgia XXXX, and the other company is XXXX XXXX where I have reported the problem several times as well XXXX. I hope you guide me to see what I can do, thank you or report this in your reocrds. Thank you.
Product: Prepaid card

Originally I had a dispute with chime XXXX XXXX but on XX/XX/XXXX I cancelled dispute of {$6000.00} with XXXX bank and when I cancelled dispute the chargeback from merchant budget rental never received notification nor the money after I cancelled dispute in Budget system it still shows chargeback and chime has the money well it's been taken out of my account and XXXX XXXX XXXX  doesn't have the funds then where is my {$6000.00} XXXX at who has it and why didn't they send the money to XXXX  and send them notification that I canceled the dispute.
Product: Credit card

I have a XXXX credit card, with 0 % interest charges on purchases and balance transfers for 15 months. I just received my monthly statement for XX/XX/year> and there is a posted interest charge of {$91.00} ... .... I attempted to dispute this interest charge however the SavorOne/Capital XXXX website will not allow a dispute as this is a bank card generated charge, not from a merchant. there is no live chat feature as well only a " XXXX '' contact. I then called the XXXX customer service and the individual could not intelligently answer my question ( why am I being charged interest on a 0 % interest credit card ), only repeating " it's interest on purchases '' ... ...... I then asked to be transferred to the balance transfer team where I inquired about this misc. charge of {$91.00} but I was told this was not related to my recent balance transfer from a XXXX XXXX XXXX  account. I am confused and a bit upset that I could not resolve this obvious XXXX XXXX error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ; 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

TransUnion, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with XXXX. Employer Identification Number XXXX and XXXX and XXXX are reporting inaccurate information to XXXX XXXXXXXX XXXX consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX XXXX XXXX XXXX. TransUnion, XXXX and XXXX are reporting that XXXX account number XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.
Product: Mortgage

Requested the documents from PHH mortgage services from OCWEN mortgage and predecessors for XXXX XXXX XXXX XXXX property in a previous complaint. The reply was incomplete and not sure why CFPB closed case so easily with incomplete file and all notarized documents are fraudulent and don't have a signature from XXXX XXXX XXXX estate on page of none of documents. Never been to Florida to meet her. All these are false and one notary witnesses not original.When note and mortgage separated a crime has occurred and caused harm to me and I need remedy, relief, and documents for that property back to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Product: Debt collection

A person living at the same address BUT not the same appartment open credit cards accounts in my name. This companies closed the acounts and now have been sold to Midland funding for XXXX and Midland credit managem for XXXX. I fild a complaint with local police department.
Product: Credit card

Has been next to impossible to view one 's current billing statement on line. Now, can not get it at all. Even before, had to roam all over walmart.com to get it. This prevents one from being able to ascertain any fraudulent activity at the earliest point. At this juncture, Walmart and Synchrony are about to " cut off their nose to spite their face '', because at least this account, I wo n't use and they can lose opportunity income.
Product: Debt collection

On XX/XX/18 I received a credit alert from XXXX that a new hard inquiry was on my report. When I checked it was from the Law Offices of Timothy Baxter stating I applied for a new line of credit. I have never heard of or authorized this company to access my report. I immediately contacted the company and was told by XXXX they dont need permission to run my credit. I then called XXXX who removed the inquiry and placed a freeze and fraud alert on my account. Come to find out this is a debt collection agency attempting to collect an old debt HOWEVER they should not ran my credit as an attempt to say I applied for a new line of credit which I never did.
Product: Checking or savings account

On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id. 

I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SENDING THIS LETTER TO HELP WITH GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT ASAP.
Product: Mortgage

I called into make my monthly payment and was asked if I wanted to go nto a special program that would allow me to skip one month payment. I was not over 30 days past due but was telling them my son was in college and was curious if they had a way to skip a payment. They said they did have a skip a pay program. I was thrilled but working in a job that would not allow me to show a late mark on my credit I explained I had to be sure it would n't affect me negatively. He said as long as I made the payments on time I would not have anything to worry about. I was thrilled! I explained I had to be sure it would not affect my credit score and they promised it would n't. I never signed any documents but they ended up moving to a loan restructuring program that basically pulled money from my escrow account. I had NO idea this was happening. I need someone to request the phone records since they said the conversation was recorded. I now show I was moved to another lender for 6 months but my actual loan with XXXX show all payments were made on time. No late marks. But this other lender XXXX now pops up on credit report and shows I was 30days past due the entire time I was in the program. They completely misrepresented themselves. How could they do something like this without me signing any documentation. I work at a bank and have never seen anything like this in my life. I have never complained before. This is just totaling breaking consumer disclosure laws. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I recently viewed this on my report and did not recognize this inquiry. I contacted them and no reply with original documentation of me authorizing or signing. This is hurting my credit report and I wish to be corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PAYMENT WITH XXXX WAS REPORTED 30 DAYS LATE ON EQUIFAX IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.
Product: Credit reporting or other personal consumer reports

The following address needs to be added to my credit report. I can not pull my credit report online with Experian and I am paying for service with you. 

XXXX XXXX XXXX, XXXX, GA XXXX I have attached the drivers license SSN and utility bill showing it as my proof of residency. I never asked for this address to be removed. And you removed it without cause.