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

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I borrowed {$190000.00} from Quicken Loans/Rocket Mortgage to refinance the mortgage on my condominium. The loan closed on XX/XX/XXXX. I checked with the County Recording Office and Quicken recorded a mortgage on XX/XX/XXXX for {$190000.00}. The problem is that the original mortgage has not been cancelled. Right now it looks like there are 2 mortgages on my condominium. I contacted Quicken and they told me that there is nothing that they can do about it. Quicken provided the closing agent for the Loan. Why hasn't the original loan been cancelled and the mortgage marked satisfied? Did they pay off the first mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I HAVE DISCOVERED THERE IS UNAUTHORIZED INFORMATION IN MY NAME BEING USED ON MY CREDIT REPORT. I BELIEVE I MAY BE A VICTIM OF IDENTITY THEFT. I HAVE UPLOADED AFFIDAVIT FROM FTC REPORT # XXXX, PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THIS ACCOUNT FROM MY REPORT. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT BELOW IS A LIST OF LAWS THAT HAVE BEEN VIOLATED, 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )
Product: Mortgage

I have my home loan through the Bank of America. The bank had been reviewing my account for several months for a workout plan. During this time, Bank of America continued to give me the run around and made negative reports on my credit report while they had my loan under mortgage assistance review. I have obtained mortgage assistance, but my credit is severely damaged because of the negative reporting. I would like for the bank to at least show no report or remove the negative marks during their time of review. They would not accept partial payments so therefore I could not make any payments when my account fell behind. I still have my home and am making payments on time. This can be viewed on my credit report.
Product: Credit card

My chase slate XXXX  card opened in XX/XX/year> or XXXX. In XX/XX/year> I was at the gym and someone stole my wallet I had multiple cards inside and thought that I contacted everyone I realized my chase slate XXXX  card was maxed out and I didnt have the card to make the purchases. I called them and they said they would review it and about 90 days later I received a letter stating I received benefits from the charges and I am responsible for them and they doubled my balance on the card. I dont understand how am I responsible for charges I am telling them I didnt commit when I have no history of lying to them. My card says XXXX fraud liability and if Im telling them I didnt use the card or make those purchases why are they trying to make me liable for them I never received a benefit from any of those fraudulent purchases because it was not me
Product: Money transfer, virtual currency, or money service

This was several years ago. I contacted Bank of America because I XXXX a person {$450.00} and that person did not send my merchandise and they close the account.
Product: Credit reporting or other personal consumer reports

I have made numerous requests with the reporting agencies and creditors to correct and receive information. The reporting agencies have sent letters that they will not investigate as they believe a 3rd party is working on my behalf. Please see the attached letters I've sent to the creditors.
Product: Debt collection

I dispute the amount owed by me to Select Portfolio Servicing on behalf of XXXX Bank XXXX XXXX XXXX for the benefit of the holders of the XXXXXXXX XXXX XXXX XXXX Mortgage Backed Notes. 
After several attempts to get information on this actual trust I still do not have it. 
Select Portfolio Servicing seems intent on foreclosing on my property rather than giving me the correct information I need to get out of this situation. 
There is a foreclosure date set for XX/XX/2019. As of today XX/XX/XXXX they are refusing to extend the date of the foreclosure even though there is and open dispute concerning this trust that my loan is a part of. 
I dispute this foreclosure date as well demanding they extend the date so that I may react time to react to the information they give me on this trust. 
I have interested parties in the property and can avoid a foreclosure on my record if this date is extended and I am given the correct information that I seek from Select Portfolio.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Hi I opened citizens bank checking account with promotion bonus $XXXX  have met the requirementsbut never get the $XXXX  bonus.
citizens bank website www.citizensbank.com
Product: Student loan

I have tried getting payments lowered I have tried getting loan forgiveness I can barely make ends meet as it is and they want me to pay {$230.00} a month but the interest alone is over XXXX  these will never get paid off. I applied for idr and save submitted all the paperwork thy asked for my husband income which he was unemployed so I sent his unemployment statement then they denied me still Saying our name wasnt on the paperwork which it is
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting over 30 fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXXand XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX   ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX  ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XX/XX/XXXX and XX/XX/XXXX are wrong. But, specifically XX/XX/XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Product: Debt collection

I keep getting debt collectors asking through call and text for the same person that I do not know, presumably the previous owner of this phone number.
Product: Debt collection

On XX/XX/XXXX, I received a letter from the debt collector, Weltman, Weinberg , & Reis Co., LPA. The letter stated that they were attempting to collect a debt for XXXX XXXX  in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing XXXX XXXX  and the amount owed. I was contacted by Weltman, Weinberg , & Reis Co., LPA on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from Weltman. Weinberg, & Reis in regards to the falsely opened XXXX XXXX   account. On XX/XX/XXXX, I spoke to another representative from Weltman, Weinberg, & Reis and inquired about the identity theft packet because it had  not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by Weltman, Weinberg, & Reis. On XX/XX/XXXX, I received a letter from Weltman, Weinberg , & Reis saying my claim has been deemed invalid. I then called Weltman, Weinberg , & Reis and questioned why it was deemed invalid, to which they refused to give any information. I then contacted XXXX XXXX  to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for XXXX XXXX  and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was approached by XXXX teenagers while on my walk from work and they asked me if I would donate to their youth basketball team. I said Im sorry I do not have any cash on me. They said if you have XXXX or cash app we can accept that as well. I said okay and pulled up my Wells Fargo app which is connected to XXXX. I pulled up the screen where it says to put who you want to send the money to. They said let me see your phone and we will put in our schools information. I handed them the phone and the XXXX teen was talking to me about his college plans. They handed me the phone to send an amount and all of a sudden I get an email confirmation from Wells Fargo saying I authorized a money transfer using XXXX to someone named XXXX XXXX who Im assuming is the teen who sent the money. I looked up and they were gone. I called Wells Fargo immediately and they filed a claim. XXXX weeks later Wells Fargo said there was nothing they can do.
Product: Checking or savings account

On Tuesday XX/XX/2022 ; I open a checking and saving account with TD bank with a check deposit of {$5500.00}. My checking account number is XXXX. My saving account number is XXXX. I was told {$100.00} would be release to me and {$5400.00} would be placed on hold for six business days. Therefore on Tuesday XX/XX/2022 ; I purchased some things. I ordered some checks with the bank representative. The cost of the checks is {$11.00}. Also I purchased a meal at XXXX XXXX for {$11.00} and a purchased some items at XXXX XXXX ; the total amount of the purchase is {$14.00}. On Wednesday XX/XX/2022 ; I checked my checking account there is a negative balance in the amount of {$26.00}. I visited TD bank located at XXXX XXXX XXXX, XXXX, Florida XXXX to find why my checking account balance is- {$26.00}. I was told by one of the TD account the whole check in the amount of {$5500.00} was is on hold for six days. Which is a major issue for me because I was told on Tuesday XX/XX/2022 ; XXXX XXXX would be release to me. The funds of {$100.00} was not release to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXXXXXX XXXX XXXXXXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( XXXX ) : These reporting errors breach the XXXX 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including XXXX days late in XXXX, XXXX  days late in XXXX, and XXXX days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as TransUnion, with reports of XXXX, XXXX, and XXXX day late payments during the same timeframe. 
XXXX : Reports late payments, including XXXX  days late in XXXX, XXXX  days late in XXXX, and XXXX days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within XXXX  days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX SELF-REPORTED XXXX Balance : {$1.00} ; XXXX  SELF-REPORTED XXXX Balance : {$54.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX SELF-REPORTED XXXX Balance : {$83.00} ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was forced to file a dispute with Equifax. I had to get CFPB to help me get Equifax to just accept documents which proved I did not owe the collection. This happened on XX/XX/XXXX. On XX/XX/XXXX Eqifax sent me an alert saying the dispute was finalized and I could review the results on their website. The results were that they denied my dispute and said that the collection account would remain on my file through XXXX. When CFPB contacted Equifax, they stated they were still working on it. Today I checked back in Equifax 's website and found that they had added a second line about dealing with my dispute. That line was like the original dispute line which showed three points along the line. It showed dispute filed. Then the second point showed investigating. The third point showed finished, and the date showed XX/XX/XXXX. 

The original dispute was filed on XX/XX/XXXX. The first denial was XX/XX/XXXX. The working on it answer to CFPB 's contact with them was completed on XX/XX/XXXX. My credit file still shows the collection account, and my credit score has been dropped drastically. If they are still working on it that does not align with their web site states. 

XXXX and XXXX have already deemed the collection account to be false and given me points back on my credit score. I hope to get my credit file with Equifax cleansed of the false collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$63.00} XXXX   XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

I order a 5 in 1 machine on XX/XX/21 for XXXX. I was sent a 3 in one machine that was clearly used for XXXX. I paid my money to send it back. The merchant said I would get a refund. I tried to send supporting documents to chase for my dispute. Chase claims that they did not receive my supporting documents after I faxed and mailed it.
Product: Vehicle loan or lease

I applied for XXXX XXXX XXXX on XX/XX/year> and got denied. This was told to me by the dealership XXXX  manager XXXX XXXX at XXXX XXXX. Regardless of the reasons for being denied, I have the right to credit. Withholding my access to my securities is security fraud. You're violating the " Equal Credit Opportunity Act '' and the " Consumer Credit Protection Act ''. Since you are denying me my credit please retract my application. 

Thank you XXXX XXXX XXXX XXXX  XXXX in fact for the all cap 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just need my credit report clear of old accounts I was XXXX. And I'm trying to get on my feet again. Please help me.