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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracy Dear To Whom It May Concern ; I am writing to formally dispute inaccurate information listed on my credit report. Below are the details of the account and the specific inaccuracies I have identified : Account Name/Number : XXXX XXXX Inaccuracies : Balance Owed Discrepancy : XXXX reports a balance owed of {$8500.00} as of XX/XX/XXXX, while XXXX reports a balance of {$7900.00} as of XX/XX/XXXX. 
This discrepancy is significant and raises concerns about the accuracy of the data.

Please remove immediately if accounttcan not be properly verify the correct balance owed for this account.

Payment Status Discrepancy : XXXX lists the account as being 60 days past due, while XXXX indicates that the account is in good standing and lists the payment status as " Pays account as agreed. " This inconsistency needs to be addressed and removed if it can not be properly verified on both reports to reflect accurate information.

Requested Action : Please conduct a thorough investigation to verify the details of this account. Otherwise anything not verifiable I request that you remove any inaccuracies from my credit report or provide supporting documentation from the creditor to validate the current information on my credit report.. Enclosed, I have included a copy of my credit report highlighting the inaccuracies, as well as any supporting documentation that might assist with your investigation. I look forward to your prompt response regarding this matter. Please provide written confirmation of the investigation results within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ) .Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called NATIONSTAR/MR COOPER multiple times this year to correct payment errors. MR COOPER was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and MR COOPER would hold these payments in a " unapplied funds '' accounts. As a result, MR COOPER was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted MR COOPER to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting MR COOPER with no successful resolution. There was an error on their part. I was never 30+ days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage received {$8000.00} refund from my homeowners insurance did not notify me did not write me text me call me I had to call my insurance company and find out that the check was sent to XXXX mortgage and it was Cash on XX/XX/XXXX until this day I have still not received a letter stating that they had this money I had to call them and they open a escrow to figure out and to adjust my payment I told this company that I wouldn't pay them and it had 10 days to submit the escrow reassessment which would be the XXXX and before the XXXX they have put me in a credit bureau it's 30 days late and has also stole my money because they have not applied it to my mortgage to reduce my mortgage
Product: Mortgage

Ocwen Loan Servicing has been charging me for Insurance of my home when I am paying the home insurance outside of my loan. 2nd ; Ocwen Loan Servicing charged me more than I owe on my Bankruptcy Chapter XXXX case. Also charged me over {$3000.00} for Asset Preservation during my bankruptcy. 3rd. Ocwen Loan Servicing took a copy of my signature to produce a Legal documentation ( Modification of my loan ) filed in the Deed Records ; supposedly in front of a notary which is false. 4th. Ocwen Loan Servicing did not give me credit for money orders paid by me which I can show that they were cashed by them. They have tried to foreclosure on my home several time.
Product: Mortgage

on XX/XX/2020 a representative from Quicken Loans called me and tried to sell me a refinance package. He went on with his sales pitch and put me on hold to go check available packages for me ... He never asked if it was OK to run my credit and i never asked him to run my credit. Later that day my bank notified me that i had a hard hit credit check ... it was Quicken loans. Unethical! He also ordered a mortgage payoff notice for no reason ... .i had NO intention of refinancing because i intend on moving in about a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Requesting validation of debt, I have no know of entering any contract agreement with Spring Oaks Capital LLC allowing permission for another company to share my personal information, I am requesting wet signature validation and payment history of debt.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. paid but marked unpaid. 
2. Multiple late payments marked when not Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Product: Debt collection

In XX/XX/2021 midland credit started calling me and making threats to sue me if I don't pay a debt that I have any knowledge about. I continued to explain this to the company and they didn't stop with the calls one lady asked me if I was ready to go to jail. My identity was stolen. I was not even given any notice that I can even dispute this just a bunch of threats.
Product: Checking or savings account

I deposited XXXX $ into a bank of america atm and when i got my recipt it said XXXX $ then after XXXX business days they told me that my claim was denied
Product: Debt collection

I was not able to pay the company because I was on the run from my then fiance who was abusive. He was very abusive  and I had to leave over night with our XXXX. I have not been able to pay anything because I am not working. This account was opened on XX/XX/2017, the amount owed is {$710.00}. I have a police report to show evidence. I also disputed this collection, however, I did not hear anything back.
Product: Mortgage

I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help!
Product: Credit reporting or other personal consumer reports

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Below listed Inaccurate accounts & Inquiries : DP OF EDUC # XXXX Is Reporting XXXX Different Inaccurate Accounts on my consumer report THAT DOES NOT BELONG TO ME. DP OF EDUC # XXXX Is reporting XXXX Inaccurate account on my consumer report THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX # XXXX Is reporting XXXX inaccurate High Credit Dates / XXXX inaccurate Dates Last Active / XXXX Inaccurate Credit Limits XXXX XXXX XXXX Last Payment Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting XXXX Inaccurate Open Dates / XXXX Inaccurate High Credit / XXXX Inaccurate Last Active Dates XXXX # XXXX Is reporting XXXX Inaccurate Open Dates/ XXXX Different Hight Credit Amounts XXXX XXXX XXXX XXXX Reporting Dates/ XXXX Inaccurate Last Active Dates / XXXX Inaccurate Last Payment Dates. XXXX XXXX XXXX  # XXXX Reporting XXXX different Open date and XXXX Inaccurate Last Active dates. XXXX XXXX XXXX Last Reporting Dates, Date Last Active. 

Inquiries : XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

My mother died on XX/XX/XXXX with out a will and I have made the necessary steps to reinstate the mortgage after she defaulted and failed to tell me about her financial struggles. Since then i keep getting successor of interest notices and rejections of the letter from the probate court appointing me as administrator. which is one of the documents they said i need to submit. the lender is now asking me to submit financial documents such has my tax returns for XXXX, pay stub information, and a deed with my name on it. Which makes me think they are going to illegally reject my lawful right to assume the mortgage and stay in my home. the Attorney representing me has sent XXXX request that met the requirements they outlined in my request.
Product: Credit card

I have repeatedly asked Apple credit card to give me written printed statements. So that I can enter the account numbers and where the money is to be sent to to my bank so that I can use my banking online account to pay my bills. They keep sending me just a statement saying I owe them money and that shows I'm delinquent. This has been going on for almost a month now and I have not received the payments. They tell me I can do this online but I prefer doing it the old fashioned way and I do believe under law I'm entitled to a printed statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user on a XXXX freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( XXXX months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. Two other cards that I have are showing up on the credit report, but they are less than XXXX  months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.
Product: Credit reporting or other personal consumer reports

I show XXXX  XXXX XXXX is listed on all three of my credit reports. 
This is not my account and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered that I've been a victim of identity theft. I noticed an unauthorized credit inquiry that i have no knowledge of. Here are the inquiries I found : XXXX XX/XX/year> Please remove this fraudulent inquiry off my credit report. I've also attached copy of identity theft report.
Product: Debt collection

This debt collection has been going on for many years, at least 10, if not 11 or 12. It was a debt that was incurred by myself, and my ex wife. We did indeed incur this debt together, but the debt collectors have placed 100 % responsibility on me only. I'm not sure why I am solely responsible for this. It also keeps incurring massive interest. I do not know what to do anymore. 
I am now a retired 100 % XXXX veteran. I am hoping that this can help me.
Product: Credit card or prepaid card

In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX   balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.
Product: Checking or savings account

I received an email on XX/XX/2022 from Bank of America that an attempt to open a checking account failed. I called them immediately and reported it as fraud as I did not open a new account. XXXX XXXXXX/XX/2022, I logged into my Bank of America consumer credit card and saw a new account was opened. The new account was opened XX/XX/2022 and is fraudulent.
Product: Vehicle loan or lease

XXXX XXXX requested a downpayment of {$3000.00} for may vehicle while I was under duress to purchase a vehicle. They were made aware that I had received a hardship grant from my job to help during XXXX for may family. the grant was for XXXX and they requested the entire amount which I had been to the dealership several times and a down payment was not discussed when we first started the car purchasing process. 
I feel like I was taken advantage of while under duress and violated regarding the Truth and Lending Act.
Product: Credit reporting or other personal consumer reports

I am disputing the reinstatement of a collection on my credit report. I contacted XXXX XXXX to request proof validating this debt, including documentation of my signature and lease information. Despite my efforts, they have not provided any supporting evidence or details. 

Without verification, I have no knowledge of the specific dates or amounts they claim I owe. This unresolved matter is inaccurate and is causing significant financial stress. The presence of this collection on my credit report is creating a financial burden and affecting my ability to manage my obligations. 

I am requesting the removal of this collection from my credit report due to the lack of verification provided by the creditor, as required by law. I ask that this matter be reviewed promptly and the account be removed to ensure the accuracy of my credit file.
Product: Debt collection

I used to have XXXXXXXX XXXX as my home internet provider. XX/XX/XXXX I called and cancelled service since XXXX XXXX XXXX was offering fiber internet. I was told on the phone call the early termination fee of XXXX would apply for canceling 4 months early and I said no problem since it was being covered by the new internet provider. The agent send me via email from XXXX a statement invoice XXXX. Total was XXXX for early termination fee. When I went to make the payment On XX/XX/XXXX I send out a check via mail since my online profile wasnt active. It included the statement slip with my account information and the check number XXXX for XXXX dollars .The agent also said I would get a final bill in the mail or email. Which I never received any communication from XXXX from that day on for any, I never received any phone call, email, or mail from XXXX that anything else was owed and I was sure my check paid everything, my address, phone number and email have not changed. On XX/XX/XXXX I received a credit alert that the company of Consumer Adjustment Company , Inc ( CACi ) posted to my credit a collections account for XXXX dollars. In the notes it says it was for XXXX XXXX  I immediately called XXXX  and spoke with multiple people in the billing department and they are unsure why I never received any update via email from their automated system like people do they say in regards to my account balance. I gave XXXX my check number along with the date and they were unable to locate it and say that thier processing may have lost it. The balance was paid in full through XXXX  and I was emailed a receipt. Collections account is something I can not have on my credit report due to my job. And it is something I can face termination for. The company CACI needs to removed this account from my credit report entirely to not have a negative impact on my credit and job. I have never been delinquent or have had anything negative on my credit report for anything. This will effect my job tremendously and its the last thing we need since Im the main income for my wife and kids. If at anytime the company XXXX communicated that this balance was never paid or past due it would of been rectified immediately. Finding out almost a year later by only finding it on my credit report is poor business and poor customer service. XXXX really dropped the ball and needs things to change so this doesnt happen to someone else doing the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get the Fraud Alert turned off.

XXXX No Problem.

XXXX no problem.

Experian has been impossible. I have tried the Experian Internet site and when I submit my information the process is stopped. I have called Experian many times. When the computer asks me for my birth date, I type it in, then the computer simply says " Good Bye '' and hangs up. know my birth date. I type it in as MM/DD/YYYY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion. this has been a issue that needs to be resolved asap. ive listed all invalid data to all 3 credit bureaus to get updated an cleared. this is my 2nd attempt to delete the following. please review an remove all requested items to clear my credit report asap.