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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Collection Removal Dear XXXX XXXX, I am writing to formally request the removal of a debt collection entry from my credit report related to account number XXXX. I have been reviewing my credit report, and I noticed that this entry was reported on XX/XX/XXXX. 

I understand that I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act. I believe this entry may be inaccurate for the following reasons : There was no proper notification of inaccurate balance or payment. I was not notified not once. Also the balances and reporting of accurate payments is incorrect. 

I request that you investigate this matter and, if the debt is found to be inaccurate, remove it from my credit report. Please provide written confirmation of the results of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I tried to open an account with Chase on XX/XX/2021. On XX/XX/XXXX, they sent a letter to me, notifying me Chase would not allow me to open an account, even though I had received a card, used online banking, deposited a check, and spent money already. I dont understand why they sent me this letter, since I had everything set up and running already. The reason why I couldnt open an account was XXXX, but Ive never been overdrafted, dont have a credit score, and have never had a bounced check. I dont know why I cant have an account, please help me through this process to get my account up and running.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Product: Credit reporting

A charge of XXXX Not For an XXXX is reflecting inside of my background and it shows XXXX next to this offense. This charge was dismissed and should not reflect inside of my background.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b).
Accounts to be Blocked and Deleted:
 BANKCRUPTCY - XXXX  - XXXX XXXX XXXXXXXX   BANKCRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX
Inquiries to be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.
Product: Mortgage

I have made many phone calls with Select Portfolio Servicing , Inc. payoff department to get an explanation about the loan payoff amount difference. Since I have not received an answer from them, sent a certified mail with a return receipt ( copy enclosed ) and file a complaint with all copies of documents enclosed on XX/XX/2025. As of today, no response was received from them. Please follow up and let me know why the payoff amount is higher than the signed and executed original documents. I would greatly appreciate your help to resolve this matter.
Product: Mortgage

On XX/XX/2020 I made my ( USAA/XXXX ) mortgage payment with an additional principal of {$460.00}. Initially, the USAA app on my phone reflected the new balance after a couple of days as did the " My Accounts '' screen of the web application. A couple of days later, the balance on my mortgage on the phone app and web app screens was increased by {$460.00} to {$11000.00}. I went into the web app to check Payment Activity screen and noticed that after my payment was submitted, it was debited and credited many times, with the last debit eliminating my {$460.00} principal payment. My payment was submitted in a straightforward manner through the web application with the {$460.00} amount clearly marked to be applied to principal. 

On XX/XX/2020, I called the customer service number for the mortgage company and eventually spoke to XXXX XXXX, who said that " the Payment activity screen is just not updating '' and that XXXX can not be held accountable for any balance that is part of my USAA app because that is not their screen, so if it's wrong, I should speak to someone at the bank about that. Then he told me that I should " trust '' that XXXX understands that I only owe {$10000.00} and if I need an accurate printout of my balance, I would need to call the customer service number every time because it is inappropriate to rely on the web application. XXXX said he would " get in touch with the web developers '' and then noted that he would only be calling me back if they called him back because otherwise, he was too busy. He did give me the name and number of his supervisor, XXXX XXXX, and sent me what he said was an official record of my payments, which differed from the " official record '' I downloaded from the homeusaa.com. 

I called XXXX XXXX and she promised to have someone call me by XXXX XXXX  XXXX on XX/XX/2020 to tell me when the discrepancy would be resolved. Ms. XXXX also told me I needed to " trust '' XXXX. When no one called by XXXX XXXX  EDT, I called Ms. XXXX back and she told me that " I swear '' that someone would call me tomorrow morning ( XX/XX/2020 ) at XXXX XXXX. She then reiterated that I needed to trust her. When there was no call by XXXX XXXX  on XX/XX/XXXX, I called Ms. XXXX back and she had rerouted my call to an anonymous number, somewhere in Indiana with a voicemail that only gave the forwarded number and then beeped. This morning, XX/XX/2020, I  tried to call Ms. XXXX again and had the same result. 

I called USAA, the company with which I dealt ( I am a veteran and the mother of XXXX actively serving soldiers ) to obtain my mortgage. I spoke to " XXXX '' with the executive resolutions team and she told me there is nothing she can do because " I do not deal with mortgages ''. 

As of XX/XX/2020, my mortgage balance shows as {$11000.00} ( {$460.00} more than is accurate ) on the web application, the mobile app and the Payment Activity page of homeusaa.com. 

Please advise
Product: Debt collection

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX, XXXX. I have nonmailable address on my report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my only address. These other address need to be deleted. Also, it is illegal to report transaction history. Privacy act of 1974. And I was effected by the Equifax Data Breach. It is {$1000.00} per violation. Per the FCRA as a federal protected consumer Iam now opting out of any and all authorization. I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802 and change off, are considered a certificate of indebtedness. income can not be reported. 15 usc 1681 permissible purposes. You can't tie me to an old address. ( Non mailable ) and utilization is illegal a corporation can not report transaction history.
Product: Credit reporting or other personal consumer reports

Recently checked all 3 reporting accounts and noticed a lot of inquiries from multiple sources. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Im writing to formally dispute or sharing of my personal or financial information in violation of federal laws protecting consumer rights and personal information. 

Violations Cited 1. 15 U.S.C. 1681b Under this section, access to my consumer report is permitted only for specific, permissible purposes. I have reason to believe that my consumer report was accessed without proper authorization or a valid purpose as defined under the law. 
2. 18 U.S.C. 1028A This law criminalizes knowingly transferring, possessing, or using another individuals means of identification without lawful authority. If my personal information was used fraudulently or without consent, this constitutes a violation of this statute. 
3. 15 U.S.C. 6802 This section mandates that financial institutions provide clear disclosures about how they share and protect customers private information. Additionally, it requires explicit consent before sharing sensitive personal information in non-permissible ways. If my information was shared without my knowledge or consent, it violates this law. 

Request for Action I am requesting that you : 1. Provide documentation showing the basis or authority for accessing or sharing my information. 
2. Investigate the unauthorized use or sharing of my information, identify responsible parties, and provide a written response with your findings. 
3. Cease any further unauthorized access, use, or disclosure of my personal or financial information. 
4. If applicable, immediately delete any records or information obtained unlawfully or without my consent. 

Next Steps If you fail to resolve this issue promptly, I reserve the right to take further action, including filing complaints with the Federal Trade Commission ( FTC ), or pursuing legal remedies. 

Please respond to this letter within a reasonable timeframe of 30 days Thank you for your prompt attention to this matter.
Product: Debt collection

I owed a debt with a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I called in XXXX and was told that the debt was charged off. I thought since it was charged off that I no longer had to address it. The time that I owed the debt, I lost my job and was going through personal crises. Fast forward, I was notified on XX/XX/XXXX for the first time that I was getting wages garnished. I was never notified before. This has caused some issues at my workplace and will affect my opportunity for advancement. Moreover, I can have my job placed in peril based on the Professional Conduct Code. The Law Firm stated on the paperwork that I called them in XXXX of XXXX. That was during the time that mail was rerouted from my home address and sent to my exes. I can prove this, for these addresses where I never lived are listed on my credit report. My ex has in the past rerouted mail of mine to his post office box. I therefore could not have called the Klima office from the phone I currently have and called them again in XXXX of last year as they stated on the phone. I could not have, because I would not have cause to reach out to them until now when I received this letter by mail. I am also certain that I did not contact them in XXXX, with the phone I currently have, because I did not have the phone or phone number then, that I am using now. This Law Firm, Klima, Peters and Daly located at XXXX XXXX XXXX XXXX XXXX in XXXX, Maryland has a plethora of complaints against them related to similar practices of blatant dishonesty and unethical practices as they inflict harm onto consumers.
Product: Mortgage

Back in XXXX of XXXX my loan servicer was XXXX at the time. I was going through some financial issues related to Hurricane Harvey and was nearing the threat of foreclosure. To stop this from happening I applied for loss mitigation in XXXX of XXXX. By the time the possible foreclosure date got around I had not been approved for loss mitigation yet. This resulted in having to come up with {$23000.00} to send into XXXX XXXX hired law firm, XXXX, via cashiers check to keep the house from foreclosing on XX/XX/XXXX. Conveniently on XX/XX/XXXX XXXX approved me for loss mitigation and I went ahead with signing the loss mitigation paperwork. I notified the law firm, XXXX, to not cash the cashiers check that was sent to them as they no longer needed those funds to come current. I went back and forth with XXXX  for about a month and finally they notified me that XXXX requested that they send the check to them directly. XXXX ended up cashing this check on XX/XX/XXXX in which I confirmed with XXXX  XXXX XXXX that is was officially XXXX  who did cash the check. With this being done, there was no reason to keep the lien on my home from HUD. Nor was this additional {$23000.00} reflected on anything. My loan was then transferred to Dovenmuehle on XX/XX/XXXX. 

Come present day, I am in the process of trying to sell my home and the only item keeping this from happening is the XXXX that was wrongly put on the house by XXXX  or XXXX  knowingly cashed a check that should have not been cashed. After dealing with XXXX for over a month they notified me on XX/XX/XXXX that I have to get this lien removed by Dovenmuehle. Why this was not said to me We have even reached out to XXXX  and they informed us that " Dovenmuehle recorded the mortgage in HUD 's name but they haven't filed a partial claim with HUD yet. '' I reached out to Douvenmuehle whom is my current lender to seek immediate help and was given the same routine as XXXX gave me. Basically fax all information to their research department and I would hear back in 48 hours. Mind you, the overwhelming amount of evidence and documentation that has been sent to both lenders should make this a very easy process. I called today, XX/XX/XXXX, because I had not heard anything back and was told that I had to wait 72 hours before getting a response. I am at a point to where I am threatening legal action and the representative said they would escalate to a manager in hopes that I hear back soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Debt collection

I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a XXXX XXXX credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.
Product: Credit reporting or other personal consumer reports

American Express charged off my credit card ( account number XXXX ) in the amount of {$1700.00}, but never provided the 1099C. In addition, American Express already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by XXXX. XXXX, XXXX whose phone number is XXXX. Their collection is being reported to both XXXX and Trans Union. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both XXXX and TransUnion confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple incorrect addresses and a social on all 3 bureaus and I want them removed. I also have different names that I disputed and they are still on there