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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX  XXXX BALANCED {$5000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$1300.00} XXXX XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX  ) XXXX BALANCED {$330.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$320.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$730.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently tried to refinance for new rate on my home loan and got denied due inaccuracies on my credit report. im also aware that my imformation was exposed in a data break and was used to get accounts and make changes to accounts i have a right to privacys please investigate all accounts written on my letter and delete them from my credit file as soon as XXXX days. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely
Product: Credit reporting or other personal consumer reports

I sent my dispute to Experian on XXXX XXXX in regards to some inquiries on my consumer report that I didn't give permission nor they have permissible purpose to pull my consumer report under 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). And there was no extension of credit between us. Experian returned my letter of dispute for those inquiries on my consumer report as undeliverable mail as addressed. The address on the envelop mailed to Experian is the correct address.
Product: Debt collection

My account was sold to a company that I did not approve of and now requesting me to pay. Im receiving multiple phone calls from different numbers. The original account was from an apartment complex. 
Date opened : XXXX XXXX XXXX update XXXX XXXX Original balance- {$430.00} Current principal- {$430.00} Interest due- {$29.00} Total due- {$460.00}
Product: Debt collection

Calvary Portfolio Services is illegally reporting a collection account to all of the major credit bureaus. The account was originally with XXXX XXXX XXXX. We have already paid this account off many years ago. We told Calvary Portfolio this but they refused to verify this or to verify the validity of our debt when the first contacted us. This is in violation of the Fair Debt Collection Practices Act. Also the account is over 7 years old since the breach of the contract. It should not be reported due to the Fair Credit Reporting Act. Calvary is violating FCRA Section 605 ( c ) by re-aging the account to leverage their collection activities. It was back in 2007 that we had problems with XXXX.
Product: Mortgage

On XX/XX/XXXX I accessed the Carrington Mortgage Company 's mobile app to process a payment. The mobile app showed that my mortgage was up to date with payments. I called in to the company on the XXXX at XXXX am ( XXXX  ) to have them look into the account because I was not sure that this was accurate. Upon them looking into the history, they related that the forbearance plan that I had begun the previous year, came to its closing date and the leftover funds in the plan were applied to my outstanding balance. This amount covered my XXXX and XXXX payments, along with some outstanding late fees and ended up with an extra balance of around {$980.00}, which they stated was applied directly to the principal. They assured me that the account was current with nothing further outstanding, so I utilized those funds to pay other debts that were due. On XX/XX/XXXX, XXXX investigated further and they claim that there was not in fact any funds left from my forbearance, but rather that they erroneously credited my account with another borrowers mortgage payment. They relate that they then reversed what had been applied to my account and they have now set me 2 payments behind. When I contacted them on XX/XX/XXXX at XXXX ( XXXX  ), their response was that even though it was their fault ( which they admitted multiple times ), they would not be doing anything to remedy my situation. When asked what options were available, they offered me a repayment plan ( $ XXXX more a month than my regular monthly payment ) for a 3 month period to come current. They also advised that this plan would incur late fees, which they refused to wave even though this all as a result of their mistakes. Carrington Mortgage Services is an incredibly predatory lending service. They have flat out refused to remedy anything that was of their doing. 

Prior to this I also had an issue with the forbearance agreement that I entered into with Carrington in XXXX of XXXX. During my forbearance, I was told that I would no longer incur late fees, however when I contacted them in regards to paying my total amount due ( XXXX of XXXX ), it included over {$600.00} in late fees that had been assessed. When this was questioned, I was told that these were assessed to the account during forbearance because the amount due was still late. They advised me that it did not have to be paid to bring the account current though as late fees don't have to be paid until the loan maturation date. This has been an issue I have raised with them on multiple occasions and they refuse to remedy this issue, much they have done with my recent payment issue.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA.

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

Sincerely, XXXX XXXX
Product: Debt collection

I keep getting phone calls from a company that never identifies themselves in the message. They call from a local number but give a XXXX number to call with a reference number. I believe they called and left same number last year saying something about my ssn being used in some type of fraud. Sure its bogus. I often access my credit report nothing different than what I expected. In recent weeks they have left many phones messages for me again never identifying themselves or who they are calling for. Then earlier this week they called my place of employment and asked for. They gave one of my co workers a message with phone number and a reference number only. Now this made me angry because I dont know who they are, Ive never received any bills or documentation, and now they are calling my job. I finally called the number to try and find out who they are. I had to ask the person a few times before they said the name which is Alliance Recovery. Ive never heard of them or received any bills or documentation from them. The messages that they have left lately say something like we have attempted to call and may attempt to serve you at home or work. Im not communicating with someone who is purposely concealing their identity. Its on the news ever day about people being scammed into paying people who use these exact tactics. They should be held accountable for them whether they are legitimate or not.
Product: Credit card or prepaid card

I had my stimulus check from the IRS deposited to my account, the company put a hold on my acct, I closed the acct upon their recommendation and they were going to send a check to the address on file. In 2 months I Ihavent received my check. Ive called the company several times and they just pass my call around to depts and the call ends by them claiming the check was sent. On follow up calls they admit never sending a check, this has happened several times over the course of at least 2 months, they are holding my government stimulus issued check in the amount of {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Checking or savings account

Chime bank claims department did not investigate a claim I filed accurate. On XX/XX/2020 there was a {$190.00} unauthorized transaction, I filed a claim disputing this on XXXX XXXX. I I recieved email saying it was denied but the issue is they didn't Investigate the right day or the right reason for the investigation. I then sent a rebuttal and letter explaining they where wrong the the date and the reason I was disputing it. They investigated XXXX XXXX and did it as charged twice but it was XX/XX/2020 and it was unauthorized. I then got email just now saying they are sticking with the denial. Funny part it is the new email has the reason they where investigated changed on it. They didn't look into the right date let alone the right reason. I am now stuck with losing out on my weeks unemployment benefits got the week due to my bank being negative {$190.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX Social Security XXXX : XXXX Date of XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX ( Florida XXXX ) has been working very closely with me. Wells Fargo Home Mortgage- apparently it does appear that Wells Fargo has vested interest ; possibility under an alias or affiliate ( s ) with XXXX. ( Wells Fargo has been fined for this practice already and it seems they are still " involved ''. ) I have provided XXXX XXXX proof of the PDF format that Wells Fargo knew the actual amount of XX/XX/XXXX 's home owners insurance long before they did. After several correspondences, because XXXX  had repetitiously informed me they DO NOT KNOW how much the Insurance would be for XXXX as it was " TOO SOON '' or " TOO EARLY ''. 

Once they acquired the copy of Wells Fargo Home Mortgage 's Escrow in ACTUAL ( not Projected but ACTUAL ) ... XXXX XXXX  response? XXXX.! Report! Report! Report! They do not even know because it's too early ( mine is due in XXXX ), they will know about near-end of XXXX what I would be billed for. 

When I told them that Wells Fargo Home Mortgage KNEW the amount LAST YEAR in XX/XX/XXXX before they paid my actual XXXX bill in XXXX. 

To quote and unquote what XXXX XXXX  Supervisor said " HOW THE XXXX WOULD THEY KNOW WHAT THE BILL WOULD BE MORE THAN A YEAR AHEAD WHEN WE DO NOT EVEN HAVE IT IN OUR SYSTEM. '' You can see the PDF Format of actual escrow from Wells Fargo- please note the MONTH AND YEAR... an image is shown so you can see exactly what to look for.. it's not a " projected '' either- they have it as ACTUAL! 

Both of us have been demanding ANSWERS... and BOTH of us are getting nowhere with this illegal activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit info from the 3 credit bureaus. I had no problem with XXXX  and XXXX. Both showed my credit report and credit score free-of-charge. Not so TransUnion. They sent my credit report, but they refuse to tell me my credit score unless I pay them for it. This just seems wrong! Is it legal?
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Mortgage

American Equity Mortgage has accessed my credit report with out authorization. 
Re : XXXX Would like this inquiry removed from my credit report.
Product: Mortgage

We refinanced with Citi Mortgage in XXXX. During that process the loan we secured paid off all previous lien holders. My wife and I began the process of refinancing our home to secure a lower interest rate and have our insurance and property included in escrow. Our credit union had agreed to re-finance in XX/XX/XXXX. When the credit union researched the title they found that two previous lien holders remained on our property deed after being paid off in the refinance in XXXX. I contacted Citi in XXXX regarding this problem and they only indicated that I should research and contact both lien holders and get them to release the liens. Unfortunately these were two predatory lenders who had both gone of business via bankruptcy. Our credit union then indicated we would need to involve a closing attorney to help clear up this matter. The attorney was unable to quickly solve this issue and pushed it back to my wife and I to deal with Citi. Calls  were made to Citi starting again in early XX/XX/XXXX. We were told by various staff members that they could not help in the matter and they were not responsible for ensuring that the deed was correct or clean. After speaking with several supervisors over a four week period they were only able to secure a release from one previous lien holder because their assets were secured by a company in current operation. They indicated that Citi would not be responsible for securing the lien release while still acknowledging that Citi engaged with a deed trust company to ensure that all releases were secured at the time of refinancing in XXXX. My wife and I know are unable to own or refinance home because of this significant title issue. We have been paying a mortgage for 16 years on a property that we could never own outright. XXXX XXXX from the Executive Response unit at Citi Mortgage indicated that they did not use an arbitrator and I would need to file my grievance with CFPB.

We can not move with forward with our refinance and may have lost the option secure this loan because of this delay. All loan paperwork will need to be resubmitted for approval only after the deed is clear. I have requested relieve form any payments until we able to refinance because we are not responsible for this delay. I also request that Citi release us from any penalty or fees at payoff because of their failure to do their due diligence at our XXXX closing.
Product: Mortgage

I was working with Wells Fargo to get a home loan. Wells Fargo XXXX XXXX branch didn't respond to my inquires on about the process. The lack of communication and their lack of understanding the requirements for a loan on a manufactured home. XXXX XXXX didn't communicate with me after multiple calls, emails and texts. She repeatedly informed me the loan would be approved on multitude occasions. The team had two appraisals scheduled and wasn't aware they both got accepted. XXXX XXXX go involved and was disrespectful in his communication to me and my real estate agent. 
XXXX XXXX called to tell me that Wells Fargo would not provide the loan for the property. He could not give me specific reasons why the loan would not be funded. I asked for the details of why the loan was rejected to be emailed to me and I never got an answer. 
I have since found another lender and asking to have the appraisal released to me and the new lender. Wells Fargo will not release my appraisal i paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft LENDING CLUB Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

5. Identity ThefXXXX XXXX XXXX XXXX Account Number : 23** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Product: Credit reporting or other personal consumer reports

The Date of Birth is incorrect on my credit report. 
My correct date of birth is XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Basis for dispute : **Inaccuracy of information. The Account information reported is incorrect. 
Account Name : XXXX XXXX /Account Number : XXXX Account Number : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Date Reported : Equifax shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX, Date Opened : XXXX shows XX/XX/XXXX and XXXX and Equifax show XX/XX/XXXX, Closed date : Only reported for XXXX, Last Payment : Equifax shows XX/XX/XXXX while XXXX and Equifax show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXXXXXX, U S Dept of Education Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft over 3 years ago. I filed an FTC affidavit and got most everything removed that was fraudulent from my report. Saturday 2 of the same accounts reappeared as collections from XXXX XXXX. I contacted experian and was hung up on twice from one of the representatives. When I finally got some one to listen to me she said that this could take up to 30 days. There is no reason that I should have to wait 30 days when per FTC the creditor isnt allowed to sell my debt due to identity theft. This collection agency isnt legally able to report on my credit report. My next step is to take legal action because this could be further detrimental to my credit which Ive worked so hard to restore since this happened. Please remove this from my account as it is causing undue anguish and stress.
Product: Debt collection

Wrong date on credit report ( XX/XX/2022 ). Also, duplicate report on credit report. The company is Professional Credit Management out of XXXX, Arkansas. This Credit agency keep renewing this duplicate debt date. which my insurance paid. I have tried disputing multiple times with no results.