23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get a refinance with chase since XX/XX/XXXX, and lost my job XX/XX/XXXX, and file a Harp with them, and since all the paper work they ask for and they said I was not approved, all I want is for my interest rate to be reduce from 8.25 % .I only owe them {$85000.00} and I talked to one customer service agent 2 or 3 weeks ago, I was told that my home was appraisal for {$110000.00} when it gets to XXXX they talk to me.I though this was a '' good faith '' loan, do they do all their customer this way.They foreclosure on me without informing me through a newspaper XX/XX/XXXX, and Tn.Homes save my home.I have a partime jod now and my SSA , my income is sufficient enough to take of the note.
Product: Debt collection

The following below is a result of XXXX Hospital refusing to bill Medical after staff signed me up for payment on treatment with this I consented. 

In good faith after treatment in XXXX, XXXX, I followed up with several calls to Medical who stated they had not been billed and had funds for this bill. XXXX must send billing. I sent three letters to Doctors, Hospital staff and still XXXX refused to bill Medical. My guess they wrote off the amount and left me with what they could not write off. 

I am and was declared destitute by the State of XXXX. I am American born and so is my family that remains and mostly military. I moved to XXXX last summer at least temporarily to find affordable housing, steady work and can not afford this hospital bill. 

I had to move from XXXX due to Identity Theft, gangs and general crime in the corrupt and sanctuary state of XXXX. ( I filed FTC I.D . Theft reports ( 6 ) I struggled to find housing, work and kept trying for fifteen years. I returned to school and was denied work in the field of Insurance Life and Health after three attempts ( agents are tough and were corrupt ). Completed Paralegal education at a junior college and legal field in this area is very political and requires XXXX XXXX and or equivalent education and who you know status. I worked in Security and Customer Services mostly. 

In XXXX I have had to find a job each month and work about 12 hours a week with XXXX XXXX XXXX and XXXX. I need to still find steady work and affordable housing and life without so much crime. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$690.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Department XXXX Agency / Attorney Balance Loan Amount {$690.00} {$590.00} Payment Info Original loan amount {$590.00} Balance {$690.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report. 

Ensuring my credit report 's accuracy is vital, and I kindly request your prompt attention to this matter within the FCRA 's statutory timeframe. 


I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/NAVIENT incorrectly entered that I was consistently late when I was on deference. This still shows a negative reflection on my credit reports.
Product: Credit reporting or other personal consumer reports

Add correct address and block incorrect account from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Complaint # XXXX response on XX/XX/2019 has errors in which balance not updated as well as incomplete pages sent by them the last 2 times. I need a complete report with all the pages. I did not ask for a credit score I ask for a complete credit file. In the past Transunion adds address or has wrong incomplete employment information. I have been threw Transunion time after time as employment ion which has been the same for several years. I also have issues how Transunion adds address I do not live at or can they provide proof to where I live. I need a complete report with all the pages. Stop playing games sending few pages. Promotional I block and your still doing it. As to your response on XXXX2019 is  base on missing pages
Product: Credit card

Examine the documents provided. Remove this personal information that is not associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately I demand these accounts be deleted immediately from my credit profile. If not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681 ( a ).
Product: Money transfers

Dear Sir, i have been with chase bank for 10 years. lately i tried to wire some money to my father in XXXX. 
the transaction was made on the XXXX and it is wire transfer outgoing and it was made in person at Chase BankXXXX XXXX XXXX, TX XXXX. 
and the bank teller was able to determine my father 's account number, and she told me the money will be available on XXXX. 
on XXXX/XXXX/2015 i was contacted by phone someone called XXXX : XXXX he wants more information about me and my father and he said he ca n't send the money if i do not do so! 
when i long in my bank account online i see the money was transferred until the XX/XX/2015 i saw that the money was credited back without the {$45.00}. 
so i called for that reason and i got it back. 
i asked the teller what kind of information you need to make it happen so she said both bank accounts that 's all. 
i do n't know why i was mistreated like this? i asked all my friend none have any complains! 
please make sure to keep this big cooperate banks in line. 
thanks for reading. 
Kind Regards.
Product: Debt collection

CEASE AND DESIST ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY, XXXX XXXX XXXX XXXX WITHOUT PREJUDICE
Product: Mortgage

I followed up on a lead from ERO lending XXXX an originator ) to purchase my condo. Due to their lack of performance I lost {$3000.00} in fees and earnest money. In addition, I was told to complete a homeowner online class that spanned 6 hours, and urged to pay {$150.00}. for completion of a condo association form. They were very resistance to communication and lacked knowledge in answering questions about underwriter requests. I was frequently put off when I called and so was the agent. Much of the info turned in was apparently lost as it was requested multiple times delaying the readiness to the approaching closing date. The service was slow, tacky and sloppy and required 3 extensions, much of which was used up in underwriting due to their lack of ACCURACY, EXPERIENCE and KNOWLEDGE. See the attachment emails form ERO that was requested by the Lender 's underwriter. Item # 5 calls for multiple corrections on the part of ERO and their referred agent. I called the 5 % change to his attention via text early after the error was noticed, but he was resistant to change it. The Lenders underwriter requested all of these items to be corrected on XX/XX/XXXX, just 3 days before my supposed XX/XX/XXXX closing. Fact is, these errors should have all been caught before they submitted the documents. I have seen complaints online about this company dealing treacherously with prospective buyers by slow performance in working their loans. Perhaps the commissions were far less when buying a condo valued at only 70,000. Surely more time was spent on home applications of far greater value. So, this is not a new situation for ERO. I want this experience published to serve as a warning to buyers and sellers. I wonder how this guy sleeps at night. Does he even realize that XXXX is watching him? By making this publish knowledge, others will be spared the agony of his actions and the lost of their hopes and savings.
Product: Debt collection

Nationwide Recovery is trying to collect a medical debt i have no knowledge of. They are reporting this debt to the collection agencies falsely without any type of validation. This is a violation under the FDOPA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. 

XXXX, XXXX, and XXXX are saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax vi a USPS Priority ma il with a delivery date of  XXXX / XXXX / 2017 . In that letter I asked them to verify under the  FCR Act, section 609 ( a ) ( 1 ) ( A )  an unverified item on my credit report which was   XXXX   XXXX    XXXX  and   XXXX     XXXX    XXXX   XXXX  . On  XXXX / XXXX / 2017  Equifax came to the conclusion that the items were mine without sending me any physical verification that the debt was mine. In my letter I specifically asked them to verify by sending me physical verification of the original signed consumer contract with my signature on it because anyone paying for their reporting services could fax, mail or email in a fraudulent account, because by law (  FCR Act, section 609 ( a ) ( 1 ) ( A ) ) if i ask  they are suppose to comply. I never recieved any proof that the debt was mine only a copy of their completed investigation which did not include any physical proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to bring attention to several issues Ive encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reports, inconsistent billing, incorrect personal information, and accounts that do not belong to me.
Product: Debt collection

Notice of revocation of payment plan agreement, UDAAP FDCPA violations In order to clear my credit report of a claim for a month of unpaid rent, which was alleged to have occurred in XXXX, which I dispute, but because of the age of this alleged debt, I had in good faith entered into an agreement with Hunter Warfield collection Agency to pay this under a payment plan with the understanding that on completion of the payment arrangement, they would remove it from my credit bureau. I had agreed to make the first payment tomorrow, XX/XX/XXXX. I now find that despite this agreement, they attempted to take the money from my account today, despite having no authorization from me, and then their office called me attempting to collect the unauthorized payment. In calling their office, they categorically refused to confirm in writing that on completion of this payment arrangement, they will report the alleged debt as paid and remove it from the credit bureaus. In addition, they even refused to provide me with a copy of their company policy that this is their standard procedure. I therefore revoked any agreement by me to pay ANY amounts until such time as I get confirmation in writing from them that they will do this. And I continue to dispute this debt. 
I believe that these actions may constitute a violation of both state and Federal UDAAP as well as state and Federal FDCPA laws. 
. 
XXXX XXXX XXXX : Maryland Attorney General Michigan Attorney General Federal Trade Commission/CFPB
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is inaccurately reporting and furnishing data of the following to TransUnion. Inaccurate date of last payment, inaccurate date of account close, and inaccurate past due amount. Also, Transunion and XXXX are reporting to completely different close dates.
Product: Mortgage

XX/XX/XXXX - Regular mortgage payment was made. I didn't realize the payment had changed due to escrows withheld increasing and the payment is auto paid each month. XX/XX/XXXX XXXXpecialized Loan Servicing ( SLS ) phoned me to let me know my payment was sitting in suspense until the balance was paid. Payment was made over the phone and processed. 30 day late occurred which was never mentioned. 
XX/XX/XXXX - House was sold thru the normal process. Payoff was sent via XXXX  and received on XXXX for the full payoff amount provided by SLS. I'm in the process of refinancing my current primary and the mortgage wasn't showing paid off as of the end of XXXX. I phones SLS and they told me turn times are delayed and they recorded the payoff as of XX/XX/XXXX when they had a live check on XXXX in their possession. I did receive my escrow refund and mortgage note as being paid in full from the company. 

At that time the mortgage late for XX/XX/XXXX was supposed to be updated and removed from my report. I received a call from my mortgage representative I'm refinancing thru and they let me know my credit report still showed a discrepancy for XXXX and now one also showed for XXXX. The house was already paid off. Now I am receiving credit updated monthly from Experian. To make matters worse they now show my credit file in XXXX as paid off for less than the balance owed so another negative hit which all in all cost me about 75-100 points on my credit report and makes me ineligible to refinance costing me additional funds each month on my current mortgage. I have had credit for 25 years and never have I have any late payments. I have made several ( 20+ ) attempts to get this corrected and to no avail. I make calls, service ticket have been opened for months with no resolution at all.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized hard inquiries that appear on my credit report. These inquiries were not made with my consent and are affecting the accuracy of my credit file. I have tried to resolve this issue by disputing with the credit bureaus and contacting the creditors directly, but the inquiries are still unresolved. I provided proper documentation, yet no action has been taken. The inquiries in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX support in ensuring these inquiries are removed and that my rights under the FCRA are respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems like every year for a decade have had issues getting my annual free report with Equifax which trends like this means it's most likely intentional which the entire process sure seems like to make it easy one has to pay for outside services ... 

I may have gotten a credit question wrong as in reality when some has decades of credit history, perhaps just makes sense to just try a different question!?!?!
Product: Credit card

I purchase a laptop computer from XXXX. They offered an interest free purchase for 12 months. The request for credit 'failed ' upon submittal. I then purchased the computer on my normal credit card, and processed the transaction. 

I then received a text, and phone call from Wells Fargo saying that I did not make my payment. That was 2 months after I purchased the computer. 

I did not purchase the computer thru Wells Fargo I never received a statement from Wells Fargo I never received a credit card from wells fargo. 

I am trying to contact the now, and have been on hold for XXXX hour so far.