23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that Clarity Services Inc. by XXXX had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called Clarity who told me they were one of the major credit bureaus acquired by XXXX, in which Clarity gained my confidential information through XXXX upon the purchase last year. Clarity gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling XXXX right after, the representative and supervisor stated they had no knowledge of Clarity Services Inc., and all they could do was place a fraud alert on my account. Clarity 's continuous inquiries have effected my credit score tremendously and XXXX  ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that Clarity is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
Product: Student loan

I tried to refinance my student loans. Being that I was always on time with my payments, I thought that Navient would help. As soon as I even started the question, they told me that there was no way AT ALL that I could refinance my loan. I was shot down from the beginning! My student loans were at a 9.5 % interest rate! I would make a payment every month for the balance to just stay the same. I was barely making it out alive. Thankfully I have a good job that allows me to pay my loans but I constantly had this feeling of despair that I would NEVER pay off my student loan. I actually still feel that way.
Product: Mortgage

We paid {$850.00} for an appraisal at the requirement of PHH Mortgage. We have received no copy of the appraisal. Our loan was denied on the basis of the appraisal but I don't even know exactly why because I do not have a copy of said appraisal an PHH will not give us any details. The appraiser left no card or information, so I can't contact the appraiser. I can not get anyone at PHH Mortgage to return my messages. I can no longer get into the loan application portal. I have had foundation engineers out to look at our house and they find it structurally sound and said it does not need further work. I can only guess at the reason for the rejection because I have not seen any documents or had anyone return my calls or messages or e-mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person. 
Following up with Equifax over the phone on XX/XX/XXXX I was told the items will all be removed immediately from a representative confirmation # XXXX. He told me all I had to do was update the FTC report with the correct account numbers in which he provided. The rep stated it should be updated within 48-72 hours. the rep provided me with a fax number XXXX. I called back again on XX/XX/XXXX and another rep said he would delete them and my account will be updated in 48 hours just give the system time to update confirmation XXXX agent XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  ACCOUNT # XXXX ; Amount : {$1800.00} XXXX XXXX  ACCOUNT # XXXX ; Amount : {$3800.00} XXXX XXXX ACCOUNT # XXXX ; Amount : {$22000.00} 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 intrusions.
Product: Checking or savings account

I opened a citi bank account, my account was out on hold 4 times. I was told to wait for a letter with a reference number. I provided it and they restored access. However come the 4th time i have not been able to gain access for over 30 days now. Im told that only 1 of many fraud departments can handle it im told its account under review and told my account is unavailable for servicing that they will be in contact with the account owner. They refuse to speak to provide me info at the branch when we call and in phone call. Meanwhile my money is frozen there
Product: Debt collection

On [ insert date ], I sent a certified letter to Midland Credit requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature. 
2. **Evidence that they are legally authorized to collect this debt in XXXX** XXXX such as proof of their licensure in the state. 

Despite this formal request, Midland Credit has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in XXXX. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

XXXX is reporting a collection in my report i had requested signed agreement and validation and they failed to provided me with the requested information. this debt was acquired without my permission.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX/XXXX/2023
Product: Debt collection

I received a call with no one on the line. When it hung up I dialed back. The agent refused to give me their name, business name or what it was regarding unless I give my social security number or date of birth. When I told them I would not do so unless they identify themselves they stated they would keep calling until I did. When I told them to add me to the do not call registry they stated I had to provide my social security number to be added to it. I told them it was a violation of the FCRA to do so, and to refuse to even identify themselves, so they hung up. When I called back again they identfied themselves as Halstead Financial and refused to give any further information stating they would review the call and solve it internally. No agent identified why they were calling, and only the second stated it was an attempt to collect a debt.
Product: Mortgage

I am very tired of the way my loan is being ha ndle by Chase. I have submit numerous application to Chase to be review for a modification, since my intentions are to kee p my home with an affordable payment. Therefore ; I have provided all the docum ents needed to Chase so I can be evaluated for a modification. However they have purposely prolonging my case making fall further  behind. They are forcing me to provide  a   XXXX   XXXX  -fo rm with the  XX/XX/XXXX year on it, I explain to them that I only have file for   XX/XX/XXXX and  XX/XX/XXXX  tha t is why I did not write on the application   XX/XX/XXXX . I have fax  them many letters of explanation why I am not presenting records for   XX/XX/XXXX . Since I get paid in cash I will be filling next year. I dont understand why Chase kept stating I dont make enough if  my monthly income is {$1900.00} and my current expenses are {$1400.00}. these expenses include my current mortgage payment. That leaves me with a surplus of {$470.00}. after covering all my expenses. I have attended workshops and have learn to create a monthly budget to make sure I save money for my trial payment. Please help me I am very over whelmed with all the excuses  Chase keeps bringin g up in order to prolong my case, I am ready to start making my trial payments and become current once again.
Product: Mortgage

Hi I was working on my refinance and agreed to the loan estimate for costs and expenses for about 6 weeks now, when we are about to close the lender sent me a loan disclosure with more than $ XXXX in the money to close please see the details below Lender credits changed from {$3300.00} to {$1500.00} The appraisal fee should be removed ( {$490.00} XXXX without cut that from the cost. 
Daily interest changed from 15 daysXXXX to 8 days I didn't see it make the cost go down?!! 
Pulse the property tax of {$3700.00} which is paid off two months ago. Still asking for it. 
The closing cost changed from {$30000.00} to {$40000.00}. 
I been trying to reach 5 people from this company but no response The company name is : Intercontinental Capital Group. 
My name is XXXX XXXX Phone number XXXX
Product: Debt collection

On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with XXXX, XXXX, XXXX and XXXX, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. 

This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a XXXX Balance and that my debt has been paid in full.

Civil Case # XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX. 

This Collection Agency is trying to get extra money from Consumers.
Product: Mortgage

This has been an ongoing issue with Newrez since XXXX of 2024. At that time they sent an updated escrow analysis that showed an error. They said that XXXX payments in the amount of approximately {$1100.00}. was made to XXXX XXXX taxes, XXXX in XXXX and XXXX in XXXX. Only XXXX payment was actually made. When I called in XXXX about this they said they needed 90 days and would have it resolved. I called back in XXXX, in XXXX they said they had made an error but were still working on it. In XXXX they said the amount for the payment that was never made ( approximately {$1100.00}. ) would be put back into my escrow account. I have been calling every week since this time and they continue to say its on hold. Every time I call I am given a different reason. In XXXX they told me the money would be returned within 3 days. In XXXX they said they were voiding the check that wasnt received and would return the money when that check got voided. This has been ongoing for 9 months and they are refusing to move ahead with returning my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a JCPenny Credit Card opened in XXXX that I had closed and completely paid off in XX/XX/XXXX. I had a improved credit report score by JCP synchrony bank in XX/XX/XXXX. I have since been getting a false credit report of {$13.00} charge and delinquent and derogatory account that is negatively effected my credit score every month since then. And the price increases by {$2.00} almost every month. I called JCP they no longer have any of my dates or payment information because the account was deleted. They said they could not help me. I have my account number and my social security and photos of all the false credit score reports. 

Starting in XX/XX/XXXX {$13.00} synchrony bank jcp XX/XX/XXXX {$15.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00}
Product: Debt collection

I am not sure what about this {$30.00} billing charged to me as I have not taken any service in last 5 months and moved to GA. 

Also it is not clear what is the service date and what service it was taken. 

Also as per my last call to XXXX XXXX, I have cancelled all scheduled appointment and as per them there was no appointment pending,
Product: Credit reporting or other personal consumer reports

For XXXX, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For Experian, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX For XXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I bought Refrigerator through XXXX XXXX   store & 3month finance through American First Finance XXXX101 days to pay off {$1400.00}. There was {$50.00} fee for application that was separate from amount to be financed. So three payments of {$240.00} to be paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This would leave {$710.00} to be paid in full by XX/XX/XXXX, as XX/XX/XXXX fInance charges would be added. Additional payment of {$500.00} was paid on XX/XX/2022, and the remaining amount of {$210.00} ( this makes it paid in full ) paid on XXXX XXXX. Here it is XXXX & they American First Finance is attempting to take another {$240.00} and I had to put stop payment on it. I am out not only {$35.00}, but American First Finance made a 2nd attempt to take money that they were not entitled to & I have another {$35.00} fee to pay my bank.
Product: Credit card or prepaid card

In late XXXX of XXXX I elected to purchase a trip to XXXX in XX/XX/XXXX offered by XXXX XXXX ( XXXX, XXXX ) and I paid {$1200.00} on my mastercard from Bank of America. I was not able to take vacation in XXXX because of mistakes made on invitation letters ( twice!! ) required for visa and visa didn't arrive in time to get on plane. When I contacted XXXX to tell them of horrible experience they didn't respond so I waited a month and filed a dispute with Bank of America over charge. Upon realizing I was disputing charge XXXX contacted me in XXXX to apologize for their actions and I inquired about getting my money back. They begged me to try them again and offered voucher for any vacation taken within 18 months but only if I agreed to cancel my dispute through credit card. In good faith I said yes and in late XXXX I contacted Bank of America to say merchant has offered to resolve dispute.I saw on my XXXX statement that charge was taken off but 2 weeks later it was put back on ( enclosed ). One year later I decided to take a trip since Covid was slowly not an issue only to learn XXXX would not honor the voucher. They told me I had won my dispute so they didn't owe me anything and I told them that wasn't the case because I paid balance in XXXX of XXXX and sent my statements. I called Bank of America who said they did pay XXXX but I asked for an escalation, Bank Of america put $ back on my card and I hoped that was end of it, but 3 months later they charged me back on XX/XX/XXXX statement and couldn't provide any written proof of it by email or regular mail. The escalation said they forced payment through third party XXXX  in late XXXX. XXXX and it was finally accepted on XX/XX/XXXX. It is now a year later and XXXX will not accept this finding and is calling it an internal bank error by bank of america. I have spent over 20 hours on this matter and only way to resolve this is if bank of America can show XXXX the findings of audit as XXXX has refused to call back office of B of A. Please help end the madness as I deserve this money and shouldn't have been subjected to this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
This account is incorrectly being reported as a XXXX XXXX account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
This account is incorrectly being reported as a XXXX XXXX account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Ipreviously disputed this account. Ido n't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
Ipreviously disputed this account. Ido n't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose
Product: Mortgage

XX/XX/2024 Rushmore Servicing XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Co XXXX XXXX XXXX To Whom it may concern, I am writing you regarding my mortgage statement which shows that I owe {$110000.00}, I have attached my statements to show payments have been made and I have requested a payment audit be done to reflect the payments that have been made. Our monthly payments were in the amount of {$2200.00} and increased to {$2400.00} due to an increase in escrow however our monthly payments have been made in the amount of {$2300.00} which was over the monthly amount.

I called Rushmore today and spoke with two representatives XXXX XXXX XXXX to request a payment audit as I would like to know where the payment overage was applied to and also to request a payment audit be completed on this account as I do believe our account is current. 
Our mortgage has been transferred or sold, Multiple times during my XXXX  XXXX case and I believe the problem is compounded as those possible already incorrect records may or may not be accurately transferred to the new company Rushmore Servicing.

I have attached 6 months of payment statements to show payment have been made.

I am scheduled to complete my XXXX XXXX case and for the case to be confirmed I need accurate payments reflected as soon as possible. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally demand verification of disputed accounts on my credit report, as per the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). 

Equifax 's policies, in alignment with the National Consumer Assistance Plan ( NCAP ), state that certain items, such as tax liens, are no longer included in credit reports since XX/XX/year>. Public Records Standards : The three major credit reporting companiesEquifax, XXXX, and XXXX into a settlement with over 30 state attorneys general. The NCAP required them to enhance credit report accuracy and make it easier for consumers to correct errors. 

Therefore, I request : The documents used to verify the disputed accounts. 
The name, business address, and contact information of the person who verified these accounts. 
Specific details on the verification process used. 
Definition and Requirements for Verification : XXXX XXXX XXXX defines " verify '' as confirming the truth or authenticity of something. Verification should be supported by evidence that can be presented in court, affirming the accuracy and ownership of the account information. 

Federal Obligations : Consumer Reporting Agencies have a legal responsibility to ensure the accuracy of reported accounts. Simply repeating information from other sources is insufficient. A proper " reinvestigation '' must provide tangible proof, failing which, under Section 611 ( 5 ) ( A ) of the FCRA, unverified information must be promptly deleted.

Specific Requirements for Collectors : For items like child support debts, judgments, fines, or liens, you must possess : A court order allowing access to a consumer report. 
Written authorization from the debtor. 
A contractual agreement that constitutes a credit transaction under law. 
Relevant Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX