23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XXXX 2016, I listed my home for sale because I could not pay the mortgage. On XXXX XXXX, 2016 I received a notice of Intention to Forclose Mortgage. I had spoken to the mortgage company several times and knew this was coming. I wanted to work with them to turn over the home to them as soon as possible to minimize the loss for everyone. On XXXX XXXX, 2016, I was assigned a " single point of contact ''. His name was " XXXX '', but he could not provide a last name. I called numeous times including XXXX/XXXX/2016 and XXXX/XXXX/2016 and spoke to different people. On XXXX XXXX, 2016, I mailed the " Loss Mitigation '' package to the company by regular mail. " XXXX '' acknowledged receipt several days later. I spoke to him several times and mailed in a revised IRS XXXX form as requested and sent a copy of the real estate listing agreement as requested. XXXX assured me the matter was a " slam dunk '' and the closing would occur in 45 to 60 days. ( I was later told it would have closed on XXXX XXXX, 2016 ). Instead, I received a letter saying my request was denied due to missing bank statements. IN FACT THE BANK STATEMENTS HAD BEEN SUPPLIED. I called many times to get this completed and spoke to a different person each time. I was told " XXXX '' quit, there was package there but " there was nothing in it '', the package itself no longer exised but it " was in the computer ''. I was often told documents that I had suppled were not there. Eventually I was told the time had lapsed and I had to begin all over again. These calls included the following : XXXX/XXXX/16 ; XXXX/XXXX/2016 ( the system was down ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people ) ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people. ) I once again completed the package, ( it took WEEKS to get another copy ) and mailed it in. They denied receiving it but depending on who I spoke to some of the people seemed to have some of the documents I sent. I sent it AGAIN by certifed mail on XXXX/XXXX/2016. Since then they have asked for douments that do not exist, such as XXXX forms in connection with a sale and documents already received. I am told my file can not be assigned to any particular person. In the meantime, on XXXX XXXX, 2016 they filed a forclosure action in court. I tried contacting the attorney who signed the complaint, and was told she " left the firm ''. The attonrey who was taking over the file did not have the file the first time I spoke to him. He is polite and usually returns my calls but seems unable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Someone used my EIN number and social security number to open up a business account in my business name XXXX XXXX XXXX at US Bank They used an address of a rental property that I own and I received a letter to my home address asking for me to verify which is when I called to question the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Equifax doesnt wish to allow me to exercise that right. I have mailed my dispute to them as of XX/XX/2023 and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from Equifax.
Product: Credit card or prepaid card

I have been trying to receive back child support for years. Since  XXXX  I constantly checked my Eppicard and the balance was  XXXX  cents for years. On  XXXX   XXXX  I received an  XXXX   XXXX  card with child support on it and I found this strange so I went to Child Support Enforcement and went to the Clerk of Courts and received an audit that stated my child support was being paid all along. When I got home that day  I call ed Eppicard and was told I was issued  XXXX  cards and over  XXXX  was deposited since  XXXX . My card still stated the  XXXX  cents. I was told I must of spent the money and forgot, I ordered  XXXX  cards in four years and funny I still have the original since child support transitioned to debit card.  XXXX   XXXX  I was issued a new card cause I started an investigation with there fraud dept and the new card issued is one of the numbers on transactions from  XXXX ??? Then the other transactions that I never made were on a different card. On the statements there are large deposits made then withdrawled by who?? Not me cause I was still going to the courts, writing letters till  XXXX . What brings me to you is Eppicard stated they closed the case cause I did not file fraudulent charges in a timely fashion and how could I do that when my card still stated  XXXX  cents. They sent me transaction statements  XXXX   XXXX  and I followed all the proper procedures and still told case closed. My daughter and I were robbed of  XXXX  dollars and no accountability is being taken. I reviewed  XXXX  cases of the exact same situations from other Eppicard holders. I 've contacted an Attorney but they want a  XXXX  down and went to the courthouse but modifications ca n't be made cause money was deposited and applied to the Eppicard. The entire responsibility is on Eppicard for mishandling what is due me and hundreds of others. I need help recovering what is due me. I asked Eppicard fraud dept to investigate, get signatures and match to mine, get video where withdrawals were made anything they said case closed! Please, any assistance would be appreciated.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove THIS ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any ITEMS or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX  XXXX XXXX Balannce : {$410.00} XXXX  XXXX Balance {$230.00} XXXX  XXXX Balance {$580.00} XXXX XXXX Balannce {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I visited the XXXX XXXX and spoke with the front desk, regarding canceling my membership, as I would be out of the country. I was assured that after I paid my XXXX membership fee, my account would be properly canceled and no further charges would be applied. I made the payment as requested. However, when I returned in XXXX, I discovered a charge on my credit card for XXXX, which I had not been informed about, and which was listed as unpaid. 
As this charge had gone over 30 days without being addressed, it caused a missed payment on my account. As a result, my credit limit was significantly reduced ( from {$12000.00} to {$500.00} ), and my credit score dropped from XXXX in XXXX to XXXX in XXXX, due to the over 30-day missed payment. 
I spoke with the new XXXX XXXX General Manager, and was informed that particular employee had been let go and that the XXXX charge had been rescinded. The GM wrote me an official letter outlining this situation, that I also submitted. I was credited with the charge on my card in XX/XX/year> ( XXXX - XXXX XXXX, - {$69.00}, Interest Ref Purchases - {$1.00}, Interest Ref Purchases $ XXXX, Late Charge Adjustment - {$28.00}, Interest Ref Purchases - {$0.00} ) and after submitting the letter my score has now gone up to XXXX. 
Despite me getting all of my money back for these unsubstantiated charges, I my credit card issuer ( XXXX  XXXX XXXX ) as well as the major credit bureaus ( Equifax, XXXX, and XXXX ), and they have found my claim to be unsubstantiated, and my XXXX score ( Linked to my XXXX  XXXX XXXX credit card ) stands at XXXX, meaning my overall score is in that range too. 
Not only was this charge unwarranted, I had no way to access e-mail and make authenticated payments during the months of XXXX and XXXX, as I was on a ship going across the XXXX XXXX and I had no cell phone service. I have since received a letter from the Captain of the vessel, confirming this, and plan to submit this as well. 
My training on this ship during this period was the reason I cancelled my XXXX XXXX membership. In 8 years I have never been late on a payment, and despite the actions I took to prevent this, the negligence of one employee has now greatly affected my credit and I have been jumping through hoops trying to get it back to where it should rightfully be ( where it was in XXXX, at XXXX ).
Product: Money transfer, virtual currency, or money service

I went to pay my rent at ACE Cash Express, I handed the clerk {$1000.00} dollars cash. The {$900.00} for rent payment and the service, The rent was not all pay, nor did I get the service fee and correct amount. The clerk at ACE Cash Express did not submit correct amount of money after giving her {$1000.00} cash to pay {$900.00}, rent fee. 

Once I realized she did not put the correct amount I did realize the error until my property manager contacted and informed me of the {$400.00} dollars shortage and that I did not get my correct change from the transaction fee. 

I am very upset that ACE Cash Expree, caused me to get a notice of eviction, and late fee! I request that the drawer be counted and was denied. I also requested to file Complaint with Federal Trade Commission, Elder Abuse at time of transaction. 

Thank you your prompt attention to this urgent problem!
Product: Debt collection

These people are continuing to report inaccurate accounts on my credit! They have added XXXX accounts with different amounts. ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. XXXX XX/XX/2020 - CURRENT. They added an account to my credit for {$9.00}. XXXX DOLLARS! 

AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER XXXX AND THEIR ILLITERATE CLIENTS FAIL TO READ. 

Any medical collections from Regional Recovery, XXXX XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. 

Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. Regional Recovery Services has a poor XXXX  rating and are under investigation for consumer fraud. 

I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
Product: Bank account or service

The Bank of America allegedly took the part of a seller of debt credit without screening how appropriate its consumer base was when doing so. It was negligent in the screening and should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because my credit report contains late payments that I would like to get remove as quickly as possible.
Product: Debt collection

Portfolio Recovery repeatedlXXXX XXXX me for debt that is over XXXX XXXX XXXX and is not longer even showing on my credit report. XXXX time I answered asked them to stop calling and that stopped it for about a week then the call continued today. 
XXXX phone calls in just the last month from many many different numbers Called today XX/XX/year> the call dates for the last month are as follows XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Please get them to stop calling and XXXX  me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : its also states a consumer report furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I submitted complaint about a fraudulent inquiry listed on my credit report you guys totally just overlook everything I sent and tell me to file a police report or show a identity theft affidavit but if you actually read or looked at what I sent to you in the complaint you would notice that I already did send you affidavit please remove this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of all fraudulent accounts and inquiries associated with my credit file.

The following accounts have been identified as fraudulent : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Additionally, I am disputing the following unauthorized inquiry : DEPT OF ED Date of Inquiry : XX/XX/XXXX
Product: Debt collection

This year during this pandemic ( Covid-19 ), I sent a letter to debt collector regarding this alleged debt, and after 30 days I never received a response, because of that, the item was supposed to be removed from my credit report. This alleged debt is not mine and debt collector doesn't have proof that this debt is mine. A bill is not validation of debt. The validation letter I sent collector will be attached to this complaint. This negative information is affecting my credit report and is stopping me from getting a loan to support my family during this pandemic.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the disputed accounts, their inaccuracies, and applicable regulations : XXXX. XXXX XXXX Account Number : XXXX Balance : {$2900.00} Reason : This account violates XX/XX/XXXXas there is no valid evidence to support its accuracy. Please investigate and provide proper documentation or remove the account from my report. 
XXXX. XXXX XXXX Account Number : XXXX Balance : {$4200.00} Reason : This account is in violation of XXXX. I request immediate verification of this account or its removal if no evidence is provided. 
XX/XX/XXXX Account Number : XXXX Balance : {$2200.00} Reason XX/XX/XXXXthis account was reported without valid evidence. Please provide the method of verification for this account or remove it from my credit report. 
XX/XX/XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is inaccurately reported as late in XX/XX/scrub> 2023, XXXX 2023, XX/XX/scrub>r 2023, XX/XX/scrub> 2023, and XX/XX/year>2023. As the balance is {$0.00}, I request you update this account to reflect Paid as Agreed under XXXX. 
XXXX. XX/XX/XXXX Account Number : XXXX Balance : {$8000.00} Reason : This account violates XX/XX/XXXX Please verify the accuracy of this account or remove it if proper documentation can not be provided. 
XXXX. XX/XX/XXXX Account Number : XXXX Balance : {$10000.00} Reason : This account violatesXX/XX/XXXX. Kindly verify the accuracy of this entry or remove it if substantiation is unavailable. 
Please provide written confirmation of your investigation and any corrections made to my credit report. If these accounts can not be verified, I expect them to be removed immediately in compliance with federal law. 
I have attached a copy of my credit report ( highlighting the disputed accounts ) and a copy of my identification for verification purposes. Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding incorrect and inaccurate information on my credit report. Despite my numerous previous efforts to resolve this matter directly with the relevant entities, including reaching out on XX/XX/year>, no remedy has been provided to date. 
The following accounts listed on my credit report are inaccurate and in violation of federal laws : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX. 
XXXXXXXX XXXX XXXX XXXX  - Charged Off Account XXXX XXXX XXXX XXXX XXXX XXXX - Closed Account XXXXXXXX XXXX XXXX XXXX  - Collections Account XXXX. XXXX XXXX XXXX - Collections Account The accounts mentioned above violate the following laws : - 7 CFR 1782.3 _ 15 U.S.C. 1681b - 15 U.S.C. 1681c**_**15 U.S.C. 1692g 15 U.S.C. 1692d**-**15 U.S.C. S 1692i _ 15 U.S.C. 1692 I demand the immediate removal of these accounts from my credit report due to their incorrect and unlawful inclusion. I have enclosed documentation supporting my claim, including prior communications regarding this issue and references to the aforementioned violations. 

The continued presence of these accounts on my credit report is causing significant harm to my financial reputation and stability. I respectfully request the CFPB 's assistance in investigating this matter and ensuring the removal of these accounts from my credit report without further delay. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I submitted a verified police report along with a FTC report and my license and proof of address. I've called after 30 days to have it removed/blocked. I was told that they investigated the claim and it will remain. I asked " How was it verified and to send me the information from the court house showing that it was verified ''. I was told it will be mailed. I waited another 30 days and nothing. I called in again requesting it to be removed. They told me that they received information from the furnisher ( Courthouse ) and they will mail it. Another 30 days went by. Nothing, I went to the courthouse in XXXX, GA and was told they do not verify information.
Product: Debt collection

On XX/XX/2020 I mailed a format letter to Synerprise Consulting Services as a result of mail I received regarding the following accounts : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX. {$310.00} XXXX XXXX XXXX XXXX {$60.00} In this letter, I requested that Synerprise provide COMPLETE information ( breakdown of fees including any collection costs and medical charges ) regarding each one of these debts listed above. 

On XX/XX/2020, I received a letter in the mail from Synerprise Consulting Services dated XX/XX/2020, advising that the total amount due is owed. I did not receive complete information ( breakdown of fees including any collection costs and medical charges ) as requested in my letter from XX/XX/2020. I have given this company well over 30 days to comply and therefore I request that they cease ALL collection attempts including the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time Chase Auto and Chase Card but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized Chase Card or Chase Auto to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. Chase Card XX/XX/XXXX 2. Chase Auto XX/XX/XXXX 3. Chase Auto XX/XX/XXXX 4. Chase Card XX/XX/XXXX 5. Chase Card XX/XX/XXXX 6. Chase Card XX/XX/XXXX 7. Chase Card XX/XX/XXXX 8. Chase Card XX/XX/XXXX 9. Chase Card XX/XX/XXXX 10. Chase Auto XX/XX/XXXX XXXX