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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. 

JPMCB CARD Inquiry date 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 Other accounts Total balance : {$7600.00} XXXX XXXX POTENTIALLY NEGATIVE Balance {$7600.00} Balance updated XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three state tax liens are showing on my credit reports for all 3 CRAs, ALL three CRAs are reporting different information for all 3 State Tax Liens. None of the reported liens are mine. I have disputed these items with Equifax on 3 separate occasions and they continue to report the liens have been verified by  XXXX XXXX. Each time they are verified, but the information reported changes. As i have recently been a victim of credit fraud i have frozen my credit reports with the following companies : XXXX XXXX XX-XX-17 XXXX X-X-17 XXXX XXXX XXXX X-X-17 XXXX X-XX-17 Along with 10 others. 

In addition, I have written to the counties and received written information stating the The State of SC does not report Public Records to ANYONE. Therefore reporting such information as fact, on my personal credit report is illegal as per FCRA. 

And Finally the Liens do not meet the new reporting guidelines ( FCRA ) as they do not contain SSN or birthdate. So I would like it removed from EQUIFAX. 
SEE ATTACHED DOCUMENTATION
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Rise Credit Dear Sir/Madam, Re : Original Creditor- Rise Credit Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My student loan servicer is XXXX XXXX. My recent payments over and above my monthly amount due have been applied to all my loans despite my repeated requests that they be applied to the loans with the highest interest rate. I have attempted to reach out several times but do not get a reply. They also do not apply my payment to the loans with the highest interest rates. I want all my payments above and beyond my required monthly payment applied to me highest interest balances.
Product: Credit card or prepaid card

I have been having trouble with disputes since XXXX of 2021. 

First I had transactions in another state at places I had not gone. 

Then I had a transaction from my local XXXX and they declined the dispute then too but offered no further proof that I requested such as was it slid or a pin used. 

Lastly today I made a dispute after my purse was stolen and they declined it minutes after. They are not even investing.
Product: Checking or savings account

XX/XX/XXXX - Received email from XXXX XXXX telling me my XX/XX/XXXX savings statement is ready. XX/XX/XXXX at XXXX I tried to logon to web site for XXXX XXXX . I got into site, but could not view or access bank statement. I tried to contact bank via their savings contact number on web site, but just got put on hold ... no one ever answered. I waited on hold for 15 minutes then hung up. I called again at XXXX and once again heard " ALL OF CUSTOMER REPS ARE SERVICING OTHER CUSTOMERS ... '' this went on for 20 minutes. My wife and I have a large account balance at this bank. This was a very disappointing situation. I do not understand how a large bank can have such terrible information technology practices. Customers ca n't view their accounts or statements??? 
Please look into this matter for me. I would like to know what they are going so this does not happen in the future.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I requested that XXXX, XXXX and Experian to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.
Product: Debt collection

At the time if residency there where two young mgmt who where fired because if XXXX XXXX now when we moved out we left the complex clean no damages and we included out deposit to settle the months rent that was owed I had no knowledge of these charges or what their from I continue to ask them to verify proof of these charges but they still have failed Todo so these are unauthorized charges I have been trying to have removed from my account it also says it's a payment from XXXX of XXXX which is also false because it also says from XX/XX/XXXX these are falsely reported and I want it corrected this has affected me tremendously I haven't been able to get an apartment for my family because of this impact to my name we have been XXXX in a motel for two years now
Product: Mortgage

To Whom it Concerns : I have a Veteran Home Loan, which according to everything I been taught, read, and heard, does not have a pre-payment penalty. I spoke to employees of Cross Country Mortgage regarding a large amount of money I paid on the new home I just bought. I am pre-paying the principal ; a down payment, basically. 

In addition, I have paid a little bit of extra money on most months towards paying off this mortgage, which they haven't recalculated at any time before or after my phone call with them. 

I am told that there will be a re-calculation fee. I told them that I have a veteran administration loan and there shouldn't be any pre-payment fee. 

That there isn't a re-calucation fee for any pre payment or extra money I have paid towards this mortgage. I expect that any additional money I put down each money to be automatically accounted for and for my mortgage account to be re-calcuated anytime I pay extra money -- no matter how small the amount. 

I am concerned about this extra charge. Please address this concern for me. 

Kind Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge neither did I consent to these inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX account # XXXX date opened XX/XX/year>XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. On XX/XX/year>, {$120.00} of my money was not accounted for by the bank and they told me they were unable to do nothing about it.
Product: Debt collection

So I lived in the district of XXXX XXXX apartments where I was paying rent and I always payed what was on my lease agreement months and month go by and they put a note on my door for a difference of {$2500.00} which I had no prior acknowledgment nor was notified about they was stating that it was the the difference that needed to pay I also had already notified the leasing office we will be terminating our lease due to military orders which also by law states that we can break are less with no extra penalties Under the SCRA, to end a housing lease early without penalty you must : Prove you signed the lease before you entered XXXX XXXX and that you will remain on XXXX XXXX for a minimum of 90 days. Provide your landlord written notice of your intent to end the lease early and a copy of your military orders. Which I had provided to them so now theres a debt collection on my credit and they are saying I was evicted when in the fact its not true also there notice says different dates from which they put it on my door which makes the notice incohesive.
Product: Debt collection

I was in a car accident on XXXX/XXXX/16. Several days after I was finally discharged from the hospital I got a call from Bay Area Credit Service ( unsure of what date due to injuries ) trying to verbally collect debt on my ambulance ride XXXX $ XXXX XXXX. I received no bill from the ambulance company and I did not receive any written notices from Bay Area Credit Service about the said debt. I was aggressively told I should just pay right now over the phone. I told them no that my insurance should cover the bill and gave my insurance information. 

They called approximately a month later XXXX/XXXX/16 ( I still have not received a bill or notice of any kind in the mail and they have my address ) and said my insurance covered some of it but I owe around {$50.00} plus interest which comes out to {$95.00}. I told the caller XXXX XXXX that I never received the bill or any notice and once again he insisted I pay now over the phone via credit card. I told him that I need the paper bill to send to my lawyer ( who is handling any and all matters related to my car accident ) and I would not be paying over the phone without the paper bill. He insisted I pay him over the phone again and I repeated myself that I needed to have the paper bill and that I never even got a bill at any point from any company. He then in a threatening tone said " Do you really want to get your lawyer involved in this? For {$94.00} dollars? '' And I responded with yes. Then he took my lawyer 's information and gave me a verbal breakdown of the charges. I then asked again if he would be sending the paper bill. His response was essentially a " maybe '' and that he could put in the request ( which sounded very much like a no especially in the way he said it and how he repeated himself ). He also quickly said something about me actually never getting a bill or that it was my fault I did n't get the bill but then he quickly changed the subject and asked me to repeat my address. They first called me XXXX, talk about preying on the vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been tracking my credit score on Experian and XXXX XXXX and paying for their credit reporting service. I have raised my credit score to XXXX according to their report. I also have two other credit scores reported on that site that show XXXX scores. I applied for a mortgage and was turned down by two different lenders because my credit score was reported to the lenders as XXXX. This is credit fraud. Either Experian is committing credit fraud for charging for a credit report that is not accurate, or the lenders are turning down my mortgage application based on fraudulent credit score. The different in the two scores is XXXX points. The lenders I have applied to are XXXX XXXX in XXXX XXXX NM and XXXX mortgage company. I have disputed all the incorrect information on my credit report. I do not have any collections, all my accounts are either paid off or current.
Product: Money transfer, virtual currency, or money service

Over the months starting from XXXX up until XXXX mine it was cast out through XXXX from my online banking. I don't know how this happened but Bank of America denying my claim because XXXX decline my claim. It was in the amount of XXXX
Product: Credit card

TD Bank received payment for our credit card and wrote a completely different credit card account number on the check, thus the credit card is now default and reported late to the credit bureaus.
Product: Debt collection

Got something in the mail and it did n't even say what the debt is. It dosnt even say when it was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX Balance : {$0.00} This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance : {$0.00} Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance : {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance : {$0.00} Balance and payment history is Incorrect please remove immediately. 

XX/XX/XXXX( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX XXXX ) XXXX Balance : {$480.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX ( Original Creditor : XX/XX/XXXX XXXX ) XXXX Balance : {$470.00} Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX Balance : {$0.00} Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX Balance : {$0.00} This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 


XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$160.00} The account status that is recently filing on my own credit record is having an impact on my option to acquire guarantee to obtain a latest loan inquiry, please have evidence that this is being recorded truthfully as per the Fair Credit Reporting Act recommendations, this can be a serious thing to mis-report. If you can't verify this data as being 100 % correct please be sure to erase the item immediately! Thank you
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I opened a BMO Harris Smart Advantage Checking account on XX/XX/19 with a {$300.00} bonus for meeting certain requirements. I met all of the requirements, including currently living in Missouri. I previously had an old BMO Harris checking account while in Oregon that I had closed. When I signed up for this most recent Smart Advantage Checking account I was required to use my old login information instead of allowing me to create a new login. The old login used my old Oregon address and it didn't give me the option to update my address to my current Missouri address during the application. As soon as I realized that it was using my old address instead of my current Missouri address I asked them to update my address. BMO Harris is denying me the bank bonus because they are stating that my first bank statement has my Oregon address which is not a qualifying state. BMO Harris cut my first statement six days ( on XX/XX/19 ) after opening my account before the address could be changed/updated. The second statement shows my correct address in Missouri. It is not right that an old address was used for a current application and I am being denied a bank bonus although I updated it as soon as possible. If a statement had been cut 30/31 days after I had opened the account instead of 6 days later, my information/address would have been correct.
Product: Mortgage

Dear CFPB, I have applied for a loan modification ( loan # XXXX Nation star mortgage after pre approved by XXXX - Document Services- XXXX. But nation star mortgage continue to reject my loan modification even with an increase of income. They continue to use old income from 3 years ago instead of my current income info. After I have complain about this a few times, they asked me to resubmitted my loan package again and again but they continue to use the old income info from years ago. 
I strongly feel that Nation star mortgage is refusing to give me a loan modification because of my XXXX marriage or my religion or race. Because according to XXXX, i am qualified to get a loan modification but nation star mortgage continue to use old incorrect income info to disqualified me and continue to send me letters in the mail asking me to sign my property over to them as my only option. 
Please forward my complaint to the right department so that this matter can be investigated properly. 
Very frustrated by their ill treatment. 
SincerelyXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and I saw so many inaccuracies that do not match the records I have been keeping for several years. I noticed accounts that are reporting late payments and I have never been late on any payments. I also noticed accounts that were considered charged off or written off on taxes of these companies are still reporting late payments unethically.
Product: Debt collection

I have mailed a dispute to Credit bureau and company I mailed out validation letter and they didnt validate proof that the accounts are mine they didnt provide proof Explaining and calculated what they say I owe. 
They didnt provide me with copys showing I agreed to pay what they say I owe. 
Dont provide statue of limitations hasnt expired. 
Show me that there license to collect in my state. 
Nor provide me with a license #. 
Nor signature on agreed contract. 
they mailed me a bill what they say I owe not valid proof
Product: Debt collection

I have an account with XXXX XXXX XXXX Privacy Assistance to monitor my credit. This month I called agency, RECEIVABLES PERFORM MGT/XXXX, that states that a dish account was opened under my social security number and that I owe {$80.00}. They reported it as a new account. They said that the XXXX service is for XXXX XXXX XXXX XXXX XXXX Georgia XXXX. I have never lived in Georgia. I already filled a complain to XXXX and XXXX, with a subject of identity theft.