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

Dear Consumer Financial Protection Bureau, I am writing to request your urgent assistance in resolving a dispute with XXXX regarding an account reported by XXXX XXXX XXXX, which is inaccurately listed on my credit report. The account contains several discrepancies that XXXX has failed to address properly despite my prior disputes. 

Details of the Discrepancy : 1. Repossession Date Inaccuracy : The vehicle associated with this account was repossessed in XXXX. However, XXXX is reporting the repossession as having occurred in XX/XX/XXXX, which is incorrect. 
2. Account Transfer and Missing 1099-C : The account was transferred to another party, but I have not received a Form 1099-C, which is required when a debt is canceled or discharged.

3. Lack of Verification : XXXX failed to contact XXXX XXXX XXXX to verify the accuracy of the account, despite being required to investigate disputed information. 

Additionally, as of XX/XX/XXXX, XXXX XXXX XXXX, located in XXXX, Texas, has been closed due to weather conditions, further complicating the ability to verify this account. 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported, as required under the Fair Credit Reporting Act ( FCRA ). 
2. 15 U.S. Code 1681 ( i ) - Dispute Procedures : XXXX is required to conduct a reasonable investigation of disputed information. Their failure to verify the account with XXXX XXXX XXXX demonstrates noncompliance with this provision. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) - Harm to Reputation : XXXX inaccurate reporting is causing harm to my reputation by leading to credit denials, housing application rejections, and other adverse actions. 

Impact on Me : These inaccuracies have severely damaged my credit standing and ability to secure credit, housing, and other essential financial opportunities. The harm caused by XXXX negligence is inexcusable and needs immediate rectification. 


Supporting Documents : Enclosed, I have included the following for your review : A copy of my credit report highlighting the inaccuracies related to XXXX XXXX XXXX Any correspondence with XXXX regarding this dispute Additional documentation to support my claims Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumer rights and look forward to a resolution. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

The Bureaus XXXX company is attempting to collect on a debt that has been discharged in bankruptcy. I spoke with an individual in this company on XX/XX/XXXX and he agreed that the card was discharged in bankruptcy and that he was sending the information over to another department and I would hear back.

After not hearing back by XX/XX/XXXX, I called again and left a voicemail. No response. 

Currently I am attempting to move closer to a specialized XXXX hospital, this collection account that should not be here, is impacting my ability to find housing, forcing me to drive 3 hours each way to the hospital for treatment. 

Even the original creditor has this marked as discharged in bankruptcy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

To whom it my concern : My name is XXXX XXXX XXXX, I have FHA Loan with PNC Mortgage, Loan # XXXX and I have a complain the way PNC is handling my situation and the way how they have been treating me. XXXX years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked XXXX XXXX XXXX for help asking for a Loan Modification program or any other relief available. It is very hard to deal with PNC because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from PNC, I am frustrated and XXXX and I feel PNC is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to PNC to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am American Citizen and I 'm wondering if PNC does n't want to help me because my name is XXXX XXXX XXXX and I am XXXX I feel discriminated by PNC. 

XXXX published on XXXX/XXXX/XXXX " PNC former employees : We were told to lie '' the article is based on employees of PNC routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I've noticed that XXXX XXXX XXXXXXXX XXXX XXXX XXXX place a closed account on my credit report. This closed account streamed from a fraudulent balance of {$210.00} in which I paid for to keep my account in good standing with the bank. Despite paying the balance. The bank closed my account after paying for a fraudulent transaction that I did not participate in or took part in. I am requesting that you remove this closed account off my credit report. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provision of 612 15 USC 1681j, there should be no charges for this report. This closed account shows on my XXXX and Transunion. It was removed from my XXXX.If, after any reinvestigation under paragraph of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I divorced XXXX XXXX in XXXX. I was awarded the home located at XXXX XXXX XXXX XXXX TX XXXX. 
I filed for bancruptcy in XXXX and it was discharged in XXXX. 
I attempted to refinance my home in XXXX and was informed Citibank placed a lien against my title in XXXX for a debt owed by my ex-husband. 
For the past 4 weeks I have been attempting to have this lien removed to no avail. 
I contacted the collection agency who placed the lien on behalf of Citibank but they will no speak, negotiate with me or allow me to pay off the debt as I am not the account holder. I am unable to proceed in refinancing my mortgage and was informed this title lien will also prevent me from any legal transactions such as future sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report. 
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Debt collection

I was asked to pay debt in XX/XX/XXXX which was already paid on XX/XX/XXXX Amount - {$55.00} Original account number - XXXX ( Already paid ) New Account number - XXXX Paid to CMRE Financial Services Inc XXXX XXXX XXXX   XXXX XXXX XXXX XXXX CA XXXX Phone - XXXX XXXX XXXX This time they billed it under a different account number
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXXXXXX - XXXX
Product: Mortgage

PHH Mortgage is giving me the runaround on dropping my PMI. They keep telling me I need to be at XXXX % of my purchase price instead of XXXX % of my appraisal value. I am literally {$870.00} dollars away from being at XXXX % of my original appraisal value. Every time I speak with someone and ask them if I make a {$900.00} payment today to drop my PMI all I get is the run around. I have spoken to many people in refinance business and on this site and everything they are telling me is untrue. I offered to make a {$900.00} payment immediately to drop but then I get put on hold for XXXX minutes each time and they literally repeat the same conversation we just had. I am currently waiting for a higher up supervisor to call me back because the lady I last spoke with was of no help from the XXXX.
Product: Credit reporting or other personal consumer reports

In the month of XXXX, I was interested in purchasing an RV. I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX XXXX. 

With purchasing an RV, you look at what you're " pre-approved '' for, and you begin shopping. I found XXXX different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other XXXX happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( XXXX ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.
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. 

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

XXXX  continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
Product: Checking or savings account

On XX/XX/XXXX, I received a text message from Bank of America saying that I transferred {$5000.00} Which I didnt. I tried to check my online banking I couldnt access it. So I called them trying to find out what happened. Apparently I was a victim of identity theft and my email, password and security question for my online account were all changed, then the fraudulent transfer happened. I managed to get back my account. I filed a claim that took them 2 weeks to file. Then I received a letter of temporary deposit of the {$5000.00}, then another letter on XX/XX/XXXX saying their investigation resulted in a false claim by me and that the amount will not be credited.
Product: Credit card or prepaid card

XXXX XXXX offers a cashback rewards program, with card holders receiving the accumulated cash back in late XXXX each year. The cutoff this year was XX/XX/XXXX, with letters mailed out to customers shortly thereafter. 

I received my letter around the beginning of XXXX with a cashback reward of {$370.00} Unfortunately, my identity had been stolen and my card frozen so I had to wait for a new card. I lost that card and a replacement was not received until XX/XX/2018. I took the new card on that same day to XXXX 's XXXX in XXXX, NC. When my card was processed, it showed that I had indeed a {$370.00} cash back due but when I confirmed the amount the lady on the other side of the register said that the account numbers did not match. Looking at my online account, the cashback was transferred over to the new account number ( online at least ) but for some reason was not accessible at the service desk. I was told at the Service Desk that while this problem was not ubiquitous, a number of customers were experiencing the same problem, including one of the service representatives at that desk. 

I reported the incident using the customer service telephone number and, in the course of the first conversation was told that if I didn't receive ( they did not give me ) the money by XXXX, the entire amount would revert back to Synchrony Bank. When talking with the supervisor, however, what I'd been told at XXXX in XXXX was confirmed, that they were experiencing " a software glitch. '' ( What they call a glitch is beginning to seem to me like grand larceny ). 

I went by XXXX XXXX again on the XXXX of XXXX, put my card in the card reader, with the same result. Called the bank again with the about same result. " It is a software glitch and when it is finished they will send you a notificaiton by mail. '' Still another week has gone by and on XX/XX/XXXX I called XXXX in XXXX and they were unable to tell me if my card would or would not work without my coming in and processing it. I called Synchrony again. The representative took all my information and then suggested that the problem was my fault, that I needed to go to a cash register not to the service desk. I asked to speak with a supervisor, waited patiently, only to be disconnected. Called again, managed to speak with a supervisor, but was told the same story with a minor change -- still working on the problem, but this time if it is resolved, I am supposed to get a phone call. Most credit cards pay off their rewards at the end of each billing cycle, but I had planned to use my end of year cashback for travel. That plan is up in smoke. What I am specifically alleging in this complaint is that Synchrony is in violation of the customer agreement regarding cashback rewards and has been lackadaisical and cavalier in resolving the issue. Other credit cards don't offer the same discounts available on the XXXX card, but what they do offer is available on a monthly basis. There is something to be said for that old saying, that a bird in the hand is worth two in the bush.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Transunion for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via XXXX certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. According to XXXX tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am involved in a Foreclosure sale and need it dismiss due to fraudulent documents used by the bank which is Bank of America. I sent them a letter to validate the account on XX/XX/XXXX, and they have not sent me anything to validate the debt as I requested. My account number with the Bank on this complaint is XXXX.  They sent a letter stating they needed more time to research the matter, but have not validated the account as first requested as of this date of XX/XX/XXXX.  I need the Foreclosure sale date of XX/XX/XXXX, at XXXX XXXX dismissed and canceled since the debt has not been validated and they were giving fraudulent documents to the lawyer handling the Foreclosure sale. The Law firm is located in XXXX, North Carolina and is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX and their phone number is (XXXX) XXXX. They have failed to answer a certified letter and numerous voice mail's left them. In one instant, they said I would have to contact the Bank, but the Bank is just stalling and taking their time to respond to my letters concerning this matter.  They had 30 days to validate the debt and they did not do so, so I request the Foreclosure Sale be canceled and dismissed at this time. The Lender on the Note and Deed of Trust they are using to foreclosure is a ficticious Lender and is not Bank of America so they have no Security interest in the loan and did not fund the Loan in the first place.  The Lender listed on the Note and Deed Of Trust did not have a Business  license's in the State of North Carolina in XX/XX/XXXX do even be underwriting or funding loans and is ficticious to start with.  I am still working with the Bank but need this Foreclosure sale on XX/XX/XXXX at XXXX XXXX to be canceled and dismissed at this time until this situation can be worked out the myself and the Bank. They also have changed theTrustee handling the Foreclosure but the Notice of Sale came from the Original Trustee not the one that was filed later but they are listed on the Notice of Sale letter dated XX/XX/XXXX.