23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I currently have a checking account with Bank of America. On XX/XX/XXXX, I was checking my account and noticed a charge for XXXX at XXXX XXXX XXXX XXXX in XXXX SC, a little more than XXXX hour away from my home. I immediately contacted the bank to dispute the transaction, as I know I did not make the purchase nor did I authorize anyone to use my card for a purchase. The bank provided me what was called a temporary credit of XXXX until a investigation could be completed. On XX/XX/XXXX I received a email regarding the balance in this account being low. I logged in to see the reversal of the temporary credit that had been provided in XX/XX/XXXX. I went to the message center of the account and read letter stating that I allowed someone to use the card for the transaction and that the credit reversed. I tried to call Bank of America on XXXX to speak to someone regarding the decision but after being on hold for almost XXXX minutes, I disconnected the call. I do not have a history of being in XXXX SC, my account reflects no history of shopping at XXXX XXXX stores. When providing information on the dispute I correctly identified purchase made up until this one. I did not make nor did I authorize anyone to use this card for any purchase at XXXX XXXX in XXXX SC.
Product: Mortgage

NewRez LLC has not payed my local property taxes. 
The taxes were due XXXX of XXXX, the taxes still have not been payed as of XXXX. 
I have contacted NewRez XXXX times about the lack of payment, NewRez has responded with either they're checking into it, the taxes have been payed, they mailed a check on XXXX ( Tax office has no funds from NewRez as of XXXX ) or they or waiting for a response from the local tax office. 
This is also happened last year with NewRez and my local tax office says multiple other NewRez customers have not had their taxes payed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

All online reporting services are reporting my score to be between XXXX  and XXXX. My equifax online shows XXXX. However, when I tried to refinance my mortgate, I was denied as Equifax is stating my credit score is 100pts less. I looked into this, and it still showing online points higher than it was when pulled. 

I then tried to co-sign on a loan for my son, and the same thing happened. Denied because they are reporting XXXX. Every online service reports higher FICO score numbers. 

When I Call equifax, they say when determining credit for loans, its a different model. That seems misleading, when all the sites you check to complete your due diligence, are reporting higher. Nowhere on any sites does my score show a XXXX. NONE. only when pulled by equifax.
Product: Mortgage

Chase claims that I am two months behind in my mortgage when I have proof that my mortgage was paid every month.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and do not recall this account. These accounts are fraudulent. I am not liable for this debt. 

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

in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my XXXX  , equifax and fico.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below. 

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act.

1 appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was alerted throughout my monitoring platforms of fraudulent activity. 
The company XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX obtained a copy of my consumer report without my consent. I am not liable or responsible for this inquiries please remove immediately. Thank you!
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX. I noticed some inaccuracies on my credit profile in XX/XX/year>. I ask that you kindly remove these from my credit profile as soon as possible. Im a victim of identity theft and these accounts arent mine.
Product: Credit reporting or other personal consumer reports

am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INCORRECT ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had auto payment with my mortgage company Mister Cooper turned on in XXXX to pay off any balance on my account for the property XXXX XXXX XXXX XXXX. The auto payment did not charge the amount that was in my balance and therefore I was charged with making a late payment. When signing up for the autopayment, it says I authorize Mister Cooper to charge the balance on the account to my checking account, so I am not understanding why the software did not charge the whole amount. 

The over 30 days late charge has been marked on my credit report for XX/XX/2021. The auto payment was turned on XX/XX/2021, so that the balance would be paid and there would be no late charges. For some reason, the software only charged 1 month instead of the whole balance, causing the balance to be held over.
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation AXCSSFN/CNGO Dear Collection Agency Representative, I am writing in response to a notice I received from your company regarding an alleged debt. I respectfully request that you provide me with the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Proof of the debt : A signed agreement or contract showing I agreed to this debt.

2. Creditor Information : The name and contact details of the original creditor.

3. Itemized Account Statement : A detailed breakdown of how the alleged debt was calculated.

4. Proof of Collection Rights : Documentation showing that your agency has the legal authority to collect this debt.

5. Statute of Limitations Information : Verification that the debt is within the legal timeframe for collection in my state.

6. Any prior payments : A record of all payments made, if applicable.

Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus regarding this account cease immediately. Failure to validate this debt may result in a dispute with the credit bureaus and legal action, if necessary. 
Please provide this information in writing within 30 days of receiving this letter. If you can not validate this debt, please remove any negative information related to it from my credit report and cease all further collection activities. 
This letter serves as a formal dispute of the alleged debt. I request that all future correspondence be in writing. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking Remove XXXX late payment. 

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

Under the FCRA I am " Entitled '' to information on how the reporting agency conducted its investigation including the method used and copies of original contracts for the alleged charge offs on my report. I have requested these several times to no avail. 

XXXXXXXX XXXX shows a payment of {$140.00} in recent payments which was not made by me so I question the accuracy of this reporting. 

XXXX XXXX XXXX recent investigation says verified however I have not seen the verification documentation to substantiate this verification, nor have I received any correspondence from the reporting agency or collection agency to validate. 

It has now been well in excess of 30 days since my initial letters sent to Experian which were sent XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate request. 

on XX/XX/2018 I received a response from the Experian company stating that there are no longer 2 bankruptcies being reported, ( at the time of my complaint there were ). the chapter XXXX bankruptcy that was also being reported also has been removed and unable to be verified. the Experian company continues to violate of the fair reporting care act. the information that was being reported in the chapter XXXX that was removed due to invalidation, is the same invalid information being reported in the chapter XXXX, this bankruptcy is not mine. please remove the chapter XXXX bankruptcy that is also invalid from reporting on my file. I will attach the letters from the courts as they have no bankruptcy reporting under my name, also the furnisher of this information has verified that they have not supplied the Experian company with this info which means Experian is being deceitful on not forthcoming on the results of this dispute. I have provided Experian with all the information and request as required by law in getting them to stop reporting this as it is harming my reputation and my good name. I HAVE NEVER LIVED AT THE ADDRESS REPORTING THIS BANKRUPTCY AND I HAVE GIVEN THE FTC REPORT AND POLICE REPORT TO PROVE THAT THIS ADDRESS IS NOT MINE
Product: Debt collection

Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. I mailed a certified letter via XXXX to Midland Credit Management on XX/XX/2019 and it was received on XX/XX/2019. I asked them specifically to provide proof that this alleged debt is mine by providing documentation that bears my signature and also a copy of the agreement that authorizes them to collect this alleged debt. They have yet to respond or remove this from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Creditors Discount & Aud XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX original creditor XXXX XXXX XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$1800.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this debt to be removed from my credit file as soon as possible. 
This erroneous and illegal tradeline is damaging my credit and name greatly! Please assist.
Product: Student loan

Navient has a " Document Upload '' form on their site that never accepts documents that you absolutely need to upload, requirements for things like an Income-Driven Repayment Plan. I have tried using this form on multiple computers and it's just not working. They also have no general customer service email to get help with the situation. Not to mention that a form I have already given them in the past has the information they are looking for now. They seriously try to make everything increasingly difficult. I have been working to upload a single form for the last hour and a half. Something that should have taken 1 minute.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Bank of America Account No. XXXX Twelve years ago I took out a Home Equity Line of Credit in the amount of {$20000.00}. I paid off this loan in full in XXXX XXXX. I filled bankruptcy in XX/XX/XXXX, papers from attorney showed I was keeping my XXXX mortgage and XXXX mortgage ( home equity line of credit ) from Bank of America. Now they have a lean against my house, and they want me to pay {$11000.00} from me because first they claimed it was because XX/XX/XXXX my husband and I filled bankruptcy. I sent them the legal papers showing that we reaffirmed the debt. Then they said that it was because XX/XX/XXXX I had a foreclosure. That is false, I never had a foreclosure on my home. XX/XX/XXXX I did a modification of my original mortgage. I never missed XXXX payment on any of my loans. I was told to send in {$220.00} fee for the release of the lien on my home. Bank of America has applied the {$220.00} to the {$11000.00} that they are insisting that I pay. Please help me with this matter of utmost importance. My phone number is XXXX my email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XX/XX/2022 as ND. They did the same thing for another account. I submitted a dispute and within 2 days they showed me 30 days past due which lowered by credit score by XXXX points which caused me emotional distress. I submitted another dispute with another account and its take them forever to resolve the issue. im expecting them to do the same thing with the currecnt acount im disputing. i need them to hurry up and ensure my credit reports accuratly and not ND because i made payments as promised
Product: Student loan

OnXX/XX/XXXX I applied for a total and XXXX XXXX   Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX  to be discharged. The said it would be reported at the end of the month to all three credit companys as, paid in full closed. At the time I applied for discharge my loans were current, and in good standing on all there of my credit reports. NelNet reported on XX/XX/XXXX a increased balance on my credit reports of a total of XXXX in student loans. Not only did they not close, the accounts and report them as paid, they tranfered the loans to another part of NelNet that handles the discharge for the XXXX XXXX XXXX XXXXXXXX. So now on all my credit reports it shows I have loans with NELNET/XXXX it also shows Nelnet XXXX XXXX XXXX XXXX. So its double accounts dropping my credit score 167 points. I got denied housing becuase high balance of student loans. I am XXXX, and about ready to be homeless. I spoke with XXXX through email I called both parts of NELNET and they said it was suppose to be reported as, paid and closed with XXXX balance. I got my letter of discharge, and everytime I call I get the same response your loans have been closed with Nelnet and we report at the end of the month to the credit companys. We will report the accounts as, paid and closed.
Product: Checking or savings account

On XX/XX/2020 my wife and I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas and put a XXXX on layaway. We were told at the time that any payments could be made to that store or any XXXX XXXX or XXXX XXXX XXXX. As we were in town visiting family we decided that this was good considering we lived an hour away but did have a XXXX XXXX close by. On XX/XX/2020 I went in to the XXXX XXXX XXXX in XXXX to make a payment on my item. I decided in XXXX that I would take a XXXX  I already had, and new the value of to trade in to make a payment on my layaway. When arriving to the store XXXX, the manager, approached me and my wife and took my XXXX to " appraise ''. I was told by the manager that my XXXX, valued at {$500.00} used, was only worth {$150.00} and that was all that he would give. He tried to show a picture of a completely different XXXX that he found online that he got his appraisal from. From that point he became unprofessional and I explained to him that I wanted to end the layaway with XXXX XXXX and would dispute the charges with our bank to get our refund that he denied to give us because the layaway would cost us {$260.00}. My wife and I were told that we could dispute the charges but that we were no longer welcome to shop at XXXX XXXX. On XX/XX/XXXX our bank decided to rule in our favor for the refund of the initial {$80.00} and the XXXX payment of {$120.00} was still under investigation. Our bank Capital One, after receiving documentation from XXXX XXXX decided to take away the provisional credit as the payment was made at XXXX XXXX XXXX. They were not seeing it as one single transaction as we were told from XXXX XXXX on payments. They treated it as a completely separate transaction and stated that it was contractual with the XXXX XXXX XXXX store. Capital one has proven that they will not help us and will only side with the merchant.
Product: Credit reporting or other personal consumer reports

{$180.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$300.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may improve your credit score.

Payment Information Payment Status Collection/Chargeoff Past Due Amount {$180.00} Highest Balance XXXX XXXX Monthly Payment XXXX XXXX Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX VALIDATION LETTER [ INSERT DATE ] [ INSERT YOUR NAME, AND ADDRESS DETAILS ] [ INSERT COLLECTION AGENCY NAME, AND ADDRESS ] RE : Validation for Account No. [ ACCOUNT NUMBER ] To Whom it May Concern, This letter is in response to your contact [ CONTACT METHOD ] on [ CONTACT DATE ] at [ CONTACT TIME ] about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.
Product: Mortgage

My grandfather 's XXXX insured reverse mortgage seems to be apart of predatory lending and fraudulent mortgage practices. 

After reviewing documents sent from what I thought was a mortgage servicer XXXX, I discovered that the HUD insured reverse mortgage my grandfather took out had multiple loan numbers attached to it and reverse mortgage foreclosure documents that do not match the terms from the recorded deed of trust. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are listed on these documents. Mortgage documents appear to have been merged together and recorded documents are not signed under penalty of perjury ; and are inaccurate ; incomplete ; and unverified. The recording of a Notice of Default and Notice of Trustee 's Sale, in a XXXX initiation of foreclosure took place under this reverse mortgage while : I was under a HUD foreclosure preventative alternative until XXXX XXXX and discovered that this entity was in a forfeited status and was not allowed to do business in the State of California. It was a trustee 's sale foreclosure of a lien not the Property and a foreclosure with no lender. 

In addition, in XXXX, I received documents at my home that I shared with my grandfather that reference a fake living trust and a fake Estate, which were used on documents pertaining to several fraudulent sales, transfers, transactions, and conveyances.