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

I request that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Mortgage

Re : loan #  XXXX . In  XXXX  of  XXXX  my wife and I closed on the purchase of our home listed herein. The closing statement did not contain a provision for establishing a property tax escrow account. WFHM contacted me about  XXXX  of  XXXX  seeking me to acknowledge that there was an obligation for me to pay into such an account. Since then I have been paying, when due, all mortgage an  XXXX   XXXX   XXXX   escrow. Additionally, voluntarily, under coercion from WFHM, I have been paying sparingly contributions to be directed to property tax escrow. Since then I have been deluged with letters, phone calls and emails from WFHM coercing me to agree that I must pay into such account. This harassment has caused me great stress and mental anguish. On  XX/XX/XXXX  I received a letter dated  XXXX  from WFHM stating they redirected? the  XX/XX/XXXX  mortgage and  HO Insurance p remium escrow payment to an unapplied account. This action was done unilaterally and without my consent. I consider this type activity as fraudulent and dishonest. In the aforementioned letter WFHM continues to refer to a property tax escrow payment as contractually obligated. This reference is clearly wrong since there was no such provision in the closing documents as previously mentioned herein. The closing disclosure form emphatically states that monthly mortgage payment includes principal and interest plus t he HO insura nce escrow. Again, no mention of a property tax escrow payment requirement. I seek that WFHM acknowledge the fact that the contractual residential home purchase closing statement does not contain a provision for establishing a property tax escrow fund, secondly that WFHM cease all efforts to coerce me into acknowledging that one exists and collecting from me funds to be directed to that purpose, thirdly that all principle, interest a nd HO insurance escrow p ayments be applied as stated in my payment coupon.     This is a follow up to my previous above written complaint which went unresolved.  Wells Fargo  Home Mortgage sent me a letter dated  XXXX   XXXX ,  XXXX   ( a ttached hereto ) which does not address my above narrative. In the aforementioned lett er Wells Fargo Home Mort gage continues to demonstrate their fraudulent and unfair business practices. There is no due amount required as WFHM alleges. The contractual home purchase closing documents do not authorize or establish a  property tax escrow account. WFHM alleges that there is a VA flow-down requirement placed upon the borrower. However, when asked to produce the document to me to verify truthfulness and accuracy WFHM tells me it is confidential and would allow me to review it. Even when I agreed to a non disclosure agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. My name is XXXX XXXX, but the credit bureaus have listed my name as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, which has caused confusion and errors in my credit report. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXXXXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXXXXXX XXXX out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXXXXXX XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, XXXX and Transunion states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX  is refusing to acknowledge the fact the XXXX $ XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX  from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX XXXXo the XXXX  XXXX stated to the XXXX  upon closure XXXX XXXX  was debited and posted to my account. XXXX I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX  balance sure.
Product: Debt collection

LVNV Funding LLC. does not hold a license in the state of Texas. Company keeps reporting the debt to credit reporting agencies every month drastically dropping my credit score. Debt is more than 4 years old and is still showing up as a new charge every month.
Product: Mortgage

I asked my mortgage to see if I qualify to have my PMI removed from my monthly payment. 
I XXXX started this back in XXXX, I have been now told XXXX I do not qualify and XXXX I do qualify, I have had XXXX people from the mortgage company set phone appointments with me to review my case and they have never called back. The mortgage company will not schedule a appraisal, they have even told me there is no appraisers in my local area. They are basing all there numbers off my appraisal from seven almost eight years ago. I have contacted them now XXXX times and I get several answers to what is going on.
Product: Debt collection

On XX/XX/2021 I received an email from Nelson and Cruz associates stating I owed {$680.00}. When I called them the lady immediately had a horrible attitude and I asked her to lose the attitude and she told me I was refusing to cooperate and hung up on me. I am mediately called back and she goes we are not going to do this and you were going to continue to talk to me if you call back. She finally transferred me to the operations director who still refused to mail me a bill or anything and said he would email it to me. Currently waiting on that
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again {$440.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$20000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

I.Q. Data International XXXX XXXX XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the XXXX XXXX XXXX I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 

also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX
Product: Credit card or prepaid card

I filed the dispute with brinks money all access the dispute was for {$68.00} and another one was for {$10.00} they only gave me {$66.00} back on my card and I keep calling them about the situation they keep rerouting me to the automatic machine to reput my information in I done it five times this morning and they keep charging me overdraft fee ATM fees when I signed up to pay {$5.00} a month so I won't be charging them fees and they started charging them to me they stealing my money out by card but y'all please help me
Product: Debt collection

The debt belongs to my ex-husband ( divorced 18 years ). He died on XXXX XXXX, 2016, therefore, he has not been paying his bills, because he is dead. 
I have explained to these people XXXX separate times, that I have nothing to do with my dead ex-husbands debts. I know they did an internet search for a related phone number and they focused on mine, as I am the only XXXX with a landline. My name nor phone number was never on his account, as he continued on with his life independently of myself. 
I have also told these people that, I am on the " Do NOT Call '' list and, they need to remove my phone number from their call list, especially since I had nothing to do with my ex-husband 's finances. They have refused to remove my number " unless an authorized person states it should be removed ''. I told them Good Luck with that, unless they can communicate with the dead. My dead ex-husband being the only authorized person on this account. 
I have also told these people XXXX that, his adult children will fax his death certificate to them, this Monday, XXXX XXXX, 2016, when they return to work. They continue to incessantly ring my phone and disturb my right to peace.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the complaint to Equifax XXXX XXXX and XXXX about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SUNCOAST CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and SUNCOAST CU with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and Experian automatically change it to XXXX XXXX XXXXThe Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] Experian Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames Experian and Experian does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX Pleasant XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier XXXX FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I made a downpayment on a XXXX XXXX for {$100.00}. The downpayment was described as being fully refundable. I have requested a refund on numerous occasions and have never heard a response ; it seems as though the company is possibly going out of business, so this makes sense why they wouldn't want to refund my money. 

Amex refuses to refund this charge for me, saying it's too far in the past for them to do anything about. 

This is unacceptable.
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

These inaccuracies are affecting my ability to get a house for my family.