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

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Mortgage

I am in forbearance on my mortgage. I have made the agreed upon payments before the due date and Ocwen has accepted the payments yet they still send default notices which when I call they tell me to ignore the letters. If I ignore the defaults and they foreclose I hace no defense in court. Ocwen has a history of fraud and other sleazy business tactics. They have paid XXXX dollars in settlements. This is more of their scam. I am paying as agreed and they keep threatening me. Their escalation managers are condescending and have no desire to do anything other than read from a script.
Product: Mortgage

In the last XXXX months, Nationstar has incorrectly applied 2 of my 4 mortgage payments. Instead of applying my payments as directed, they have simply taken the whole amount and applied to principal only, essentially forcing me to make a secondary mortgage payment for the SAME month. The first time this happened was for the XXXX XXXX payment. I paid it early, XX/XX/XXXX, in an attempt to budget for XXXX, holidays, etc. Upon discovering it, I believed that somehow it was my mistake and that I paid XXXX XXXX 's payment too early ( i.e. in XXXX instead of XX/XX/XXXX ) so I did not investigate the matter further at that time. However, this has happened again for the XXXX XXXX payment. On XXXX XXXX XXXX, I paid XXXX XXXX payment which was processed correctly. Per statement dated XXXX XXXX the next payment was due on XXXX XXXX XXXX. On XXXX XXXX XXXX, I paid XXXX XXXX payment. This payment was not applied as directed. On XXXX XXXX XXXX, I was attempting to pay XXXX XXXX payment but discovered that according to Nationstar my XXXX payment was outstanding and overdue. Therefore my intended XXXX XXXX XXXX payment was accepted and applied to XXXX XXXX, i.e. Nationstar demanded payment for XXXX XXXX XXXX mortgage in XXXX consecutive month statements. This is an unacceptable violation of the Homeowners Protection Act to be billed TWICE. I have all the back-up for the statement dates and the payment allocations which were not done as indicated. There is absolutely no mistake on what I was making payment for or where I was allocating the monies so their practices are deceptive and fraudulent. It appears as though Nationstar is illegally trying to effect payment default on my loan to begin loan modification processes. I have contacted Nationstar, specifically XXXX XXXX, to correct the matter but to date, they have refused to comply and also refused to provide information of Department Manager so that I may escalate the urgent matter.
Product: Checking or savings account

Statement of Facts Chase : claim for return of funds XXXX dollars stolen by wire fraud. 
Incident information : In late XX/XX/2023, I lost my wallet containing my drivers license and ATM card. I called to make a lost report and to request a new card. Around XX/XX/XXXX, I was contacted by an individual saying they had found my wallet and they were willing to return it to me. 
I never got my wallet back. 
On XX/XX/2023, I was alerted to a wire transfer in the amount of XXXX dollars had been initiated. Someone calling under the guise of Chase fraud called me. Once I saw the transactions online I called to report it. 
I called and reported to chase fraud that I had not initiated this request and the person ( XXXX XXXX ) was not known to me. 
I also, filed a police report providing them with screen prints of the message I received from XXXX of the person claiming to have my wallet along with screen prints of the wire transactions that had been initiated and completed. 
I dont know how XXXX XXXX gained access to my account. Chase security should have prevented this. I have provided a claim report and supporting documents to chase on XX/XX/2023 have been in constant contact with Chase bank fraud/claims department since XXXX and yet I still have not gained any resolution to my request for a refund of the money.
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under Any open end consumer credit plan as late for Any purpose.
Product: Debt collection

Repeated reporting of a debt without providing 100 % accurate, verifiable information. 
Balance : {$1000.00} Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a client of  Capital 1, w here are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My  credit score  has only gone up  XXXX  point with  XXXX   XXXX . Can someone explain to me why I have  XXXX  account s Capital 1 a nd   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX 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

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$20000.00}, XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Bank account or service

On Monday, XXXX XXXX, 2016 at XXXX I submitted a transfer of funds from XXXX XXXX XXXX bank to Union Bank for {$5000.00}. At XXXX PST I received a confirmation email that this transaction had been processed. This morning at XXXX I accessed my account at Union Bank in order to pay some bills. The {$5000.00} transfer was not there. Later in the morning, I checked again, and it was still not there. I called Union Bank and was told by two different people that there had been a " delay in processing deposits and we do n't know when it will be resolved. '' I do n't have access to my {$5000.00}, and would like immediate access as I have mortgages and bills to pay. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, a derogatory remark showed on my credit report from XXXX XXXX over an account that went to collections for {$50.00}. The account number was not mine. My account has been set to auto pay ever since it was opened and has ALWAYS had a ZERO balance. After several months of back and forth, XXXX determined the account was erroneously created by an affiliate store who was renewing my account and upgrading my phone. The balance was zeroed and the account closed. XXXX refuses to remove the derogatory mark from my credit report. 

So to summarize : an account I didn't open, that wasn't mine, that I didn't get a single notice about, is hurting my credit score.
Product: Credit reporting or other personal consumer reports

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the accounts. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.
Product: Money transfer, virtual currency, or money service

I sent money to my nephew who is a XXXX citizen and resides in XXXX. First, he was asked to bring his residency papers and passport, which he did the following day. When he went with his residency papers, work permit, and XXXX passport, he could still not access the funds from the post office. When postal service workers in XXXX called XXXX, they were told that the system is not set up to accept a XXXX passport that had been renewed at the XXXX embassy in XXXX. He was told if his passport had been renewed in XXXX, he would have no problem receiving the funds. All this time, I was calling Moneygram here in the US and being told he could access the funds. He could not. Moneygram refuses to refund {$4.00} I paid in transaction fees. 

I then tried to send the funds via XXXX on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the XXXX system required that I log on to my bank account and that failed XXXX times when XXXX would redirect me to log in. However, I could log onto my account using a different browser. I called XXXX and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a XXXX problem. This had never happened before in over XXXX years. XXXX had never directed me to log into my account from their site. 
I ended up adding my debit card that is tied to the same bank account onto XXXX XXXX account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account without using the debt card, the same transaction would have cost {$4.00}. I complained to XXXX and they have done nothing and refused to refund the difference. 

Thank you. 

XXXX XXXX
Product: Debt collection

Subject : Dispute of Collection Account with Midland Credit Management **Overview : ** I am writing to formally address my ongoing issues with Midland Credit Management regarding a collection account reported on my credit report. 

**Details : ** - **Account Status : ** Open - **Balance : ** {$5600.00} - **Original Creditor : ** XXXX XXXXXXXX XXXX XXXX **Opened Date : ** XXXX XXXX XXXX **Description of Events : ** Since I first became aware of this collection account, I have disputed the validity of the debt on multiple occasions. Despite my efforts, Midland Credit Management has failed to provide adequate validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I have received repeated phone calls from Midland Credit Management, which I have requested to stop on several occasions. Despite my clear communication, they continue to contact me, causing me significant distress. 

**Actions Taken : ** - I disputed the debt with Midland Credit Management XXXX requesting verification, but they have not provided sufficient proof. 
- I have verbally requested that they cease communication, but they persist in calling me. 

I would like this matter to be addressed promptly and hope to receive confirmation that these calls will stop and that my dispute is being investigated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint in XXXX of XXXX regarding an investigation that had taken over 90 days to process. Following this complaint, along with resubmitting my dispute, XXXX found that the items reporting on my credit profile were incomplete and inaccurate, therefore deleting the items from my report. On XX/XX/XXXX I submitted a follow up dispute to Experian requesting information on how and why they are continuing to report the inaccurate information. It is my understanding that creditors submit the same data to all bureaus in accordance with the FCRA guidelines. It has now been over 30 days, with no verification that the data is accurate and no reasonable response from the bureau as to why they have not deleted the unverifiable accounts. It would seem as though the bureau is continuously refusing to comply with the law and take appropriate action.
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. 

Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX  XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : 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: Credit card

In XX/XX/year> I applied for an American Express XXXX XXXX credit card based on an offer via my phone. The promotion stated that with a spend of {$5000.00} within 6 months and a {$250.00} annual fee I would receive XXXX XXXX XXXX points. After a few months, after I had satisfied the {$5000.00} requirement, I called American Express and inquired why I had not received the stated promotion of XXXX points. ( I had already been assessed the annual fee on XX/XX/year> ). At this time, I was informed that because I had a XXXX XXXX credit card, that I was not eligible for this promotion. When I protested that this ineligibility was never documented or mentioned by American Express, the customer service agent mentioned a pop up should of appeared on the screen indicating I was not eligible. I assured her this never happen. We then filed a case for further review of this matter and again after receiving no communication from American Express, I called again to get a status. I was informed that they would not honor the promotion. I then requested a return of the annual fee and I would close the account. Again, customer service had no authority to do this except such requests have to be made with 30 days of opening the account. Of course this was impossible to adhere to since I had no knowledge that they would not honor the promotion until about a month ago.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I was XXXX overseas in XXXX and I made a purchase on PayPal for some documents for my XXXX online program. I called and told PayPal that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. PayPal still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from XXXX. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with PayPal. I received no letter from PayPal, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from XXXX asking for settlement for XXXX on the PayPal account.
Product: Mortgage

We have an existing mortgage with Ditech. In XX/XX/2017 we got approved for a trial period plan modification. We had to make three consecutive payments in XXXX, XXXX and XX/XX/2017 to be eligible for a permanent modification. We paid the the XX/XX/2017 and XX/XX/2017 payments. When making the XXXX payment we had mailed a check but Ditech had not received the check as of XX/XX/XXXX so a representative from Ditech called us to find out when they would be receiving XXXX 's payment. We informed them that we had mailed a check but since they had not received it yet we would stop payment on the check that we had mailed and make the payment electronically so it would not affect the trial modification. So on XX/XX/2017 we had a stop payment put on the check and made the payment electronically. We figured since the payment was made electronically to Ditech we would okay with the modification and our checking account would not be overdrawn when the check was presented against the account since we had stopped payment on the check. We thought everything was okay and were approved for a permanent modification. We did not realize that Ditech had credited our account for both payments ( the electronic payment and stopped check payment ) so instead of removing the second payment from the account in XX/XX/2017 Ditech waited until XX/XX/2017 to deduct the stopped check payment from our account therefore putting our Mortgage a month payment behind. We do not understand why this was done in XX/XX/2017 and not in XX/XX/2017. We have copies of the stop payment from the bank and and a copy of the check showing Ditech had presented the check to be paid in XX/XX/2017 not XX/XX/2017. If the payment had been deducted at the proper time before the modification paperwork was finalized we would not be behind on the mortgage again. This is the second complaint against Ditech. Back in XX/XX/2017 we had filed a complaint against them because we had applied several times for a modification and they kept stating they did not receive paperwork and such but we had sent the paperwork certified mail and we able to prove that they had indeed received it and shortly after the complaint they had offered us the trial modification. We would appreciate any help in this matter. We have a son with XXXX XXXX XXXX which is taking a huge financial toll on us even with health insurance. It is necessary for him to have XXXX on a daily basis ( his body no longer produces any XXXX ) along with XXXX XXXX XXXX and other XXXX and everything is very costly. We are so upset that we had gotten ourselves back on track just to be put right back in the same situation. Thanks again for everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions through certified letters I have asked both XXXX and XXXX to validate and provide me with copies of any documentation associated the accounts XXXX AND XXXX reported by them. According to them that information was provided by LexisNexis as a third party vendor .I hereby demand that LexisNexis send a letter to XXXX and XXXX clarifying the situation and asked to remove those accounts from my credit reports The information that gave LexisNexis to them is wrong .I formally request that this information be deleted from my credit files. ( Attached copy of the letters )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PREMIUM XX/XX/XXXX XXXX XX/XX/XXXX