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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX unauthorized inquiry XXXX XXXX  XXXX unauthorized inquiry XXXX XXXX XXXX XXXX  unauthorized inquiry XXXX XXXX XXXX unauthori XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX
Product: Credit card or prepaid card

In accordance to the fair credit reporting privacy act. XXXX account Self XXXX has violated my rights. 
15 USC 1681 section 602 States I have the rights to privacy.

15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's incredulous that Experian expects me to shoulder the burden of proof without offering any substantive evidence in return. They have failed to provide any supporting documentation regarding my dispute of an inaccurately attributed delinquent account on my credit report. Their entire investigation process seems to hinge on a cursory consultation with the information provider, in this case, XXXX XXXX. It's baffling that a simple affirmation of the information 's accuracy by the provider is deemed sufficient. Experian merely parrots back the furnisher 's claim, without presenting any actual evidence or detailed records. It's preposterous to expect me to furnish documentation for an account I have zero knowledge of. How am I supposed to produce evidence for transactions that never occurred in the first place? This gross oversight, despite my continuous requests for validation, underscores a glaring flaw in their verification process.
Product: Credit reporting or other personal consumer reports

As per FCRA ; FDCPA, I, XXXX XXXX being the protected consumer, I am optting-out of any and all authorization ; I the consumer may have given you written unwritten, verbal and non verbal to the following parties XXXX, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Privacy Act 1974 ), 15 USC 1681 ( b ) permissible purpose as well as 15 USC 6801 6802-6803-6804-6805 ( Obligations and disclosure of non public private information ). 16 CFRA 313.1-313.7, CFRA 433.2 XXXX XXXX  furnished inaccurate information as well as violated my non-public private personal information Also they have deemed And or alleged A charge of On my credit report Which is a certificate of indebtedness which under XXXX classifications XXXX income and that can not be reported on such a credit report ; which said being a violation of XXXX XXXX XXXX XXXX and XXXX CFR XXXX - Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Describes the conditions under which a financial institution XXXX disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 
The above previous mention bureaus Banks and or companies have violated me under federally protected rights XXXX XXXX XXXX XXXX XXXX also known as the Privacy Act of XXXX C FRA XXXX - XXXX XXXX CCFRA XXXX ; I unknowingly and or knowingly never consented for any of those companies to furnish or report my non- public personal private information nor did I think they would report things inaccurately causing ruin to my XXXX XXXX and history again, it was illegal for them to report any pay history or furnish such private non public information. My identity has been compromised and is in error. I seek for the inaccurate reports to be corrected as to reflect PAID AS AGREED as they should and for errors reflecting my XXXX XXXX to recieve correction in conjunction! The pain and suffering associated with the reporting and furnishing of my non-public private information also the furnishing of my payment history and the use of my personal Social Security identification number have left emotional suffering and loss which XXXX XXXX and has had a hard time coming to grip with. 
As to conclude I seek correction as it pretends to the fair reporting of my credit history!
Product: Mortgage

I have a mortgage with M & T Bank. I am selling the hone and have a closing date set for XX/XX/year>. 

I was in the process of gettng a modification on the loan but found a buyer. 
M & T Bank then cut my modification application short and placed my home in foreclosure status. 

M & T bank says they can not provide me with a payoff since the home is in foreclosure status, thus jeopardizing the sell of the home. 
I told then I was selling the home and they would be paid in less than a week, M & T bank still refused to provide me with a pay off, stating an attorney would need to provide the pay off. 

I asked when an attieney would be assigned and M & T bank stated they did not know. 

They are forcing unnecessary attorneys fees on me and jeopardizing the sale of the home ; all of which goes XXXXGAINST their stated interest of getting paid.
Product: Payday loan, title loan, or personal loan

All loans have been paid & closed
Product: Mortgage

On XXXX XXXX at around XXXX, California Time, we spoke with Lender Rep in regards of EMERGENCY Loan Modification. 
We are respectfully love to stay in our beutiful Home, and raise our childrens and have a prosperous Mortgage Affordable monthly payments. 
If there is a apportunity to have a Mortgage Credit Certificate, to have prosperity in Federal Relief we highly aprreciate it. 
I XXXX XXXX XXXX XXXX, on around XX/XX/XXXX my mom XXXX XXXX Purchased Our new Construction home at XXXX XXXX XXXX  CA. 
In XX/XX/XXXX my mom was diagnosed with XXXX and she past away XX/XX/XXXX.Our family went through a very difficult financial hard ship and as my mom XXXX XXXX death devastated the entire family.Funeral expenses and other. 
Home expense was implemented during my mom death. 
On around XX/XX/XXXX my dad Mr.XXXX XXXX was going through a Medical Complications and need my Care taking assistance. 
But the las 2 years his Health condition got worst, I would have to take time off work, call in sick so I can take my dad to his appoiment and ER. 
So my income was insufficient to Retain the mortgage Payments and expenses at our home XXXX XXXX XXXX CA.XXXX. 
Presently we have substancial income to accommondate with mortgage and home expenses. 
I'm respectfully requesting for Lender to modify the existing loan under {$2000.00} a month with a 30 years Fixed Loan Rate, Plus with no Pre-Payment Penalty.Please include Property tax and Home Owners Insurance in Escrow Account. 
Notice : My Dad Mr.XXXX XXXX is XXXX XXXX and has Pre-Existing Medical Condition. 
Thank you for supporting Military Veterans, as Im a U.S.XXXX Military Veteran.

With honor and Respect Always. 
Please make communication with me XXXX XXXX by email : XXXX as I am taking care of my Dad Mr.XXXX XXXX, XXXX XXXX Medical Issues at Home. 
Thank you for your wonderful support.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, These are the dates I submitted written dispute letters to Equifax Credit Bureau regarding XXXX XXXX XXXX reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.
Product: Debt collection

Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I called Equifax to have the address on my personal credit report changed since the address that they have on file as my current address is outdated ( I have n't lived there in 2 years ) When I spoke with someone on the phone, they told me I had to upload either a deed, mortgage, lease or current utility bill in order to change it which I did over the phone with the agent. He told me that he received it and verified me over the phone for my protection. He told me that he would be able to change the address to the correct address right away but it would not show up for another 48 hours. On XXXX XXXX I checked my Equifax report AGAIN and it was still showing the old address so I called AGAIN. I was bounced to several departments to end with the " special unit '' department that had authority to change the address. After being on hold for 40 minutes while " she updated my address '' she then hung up on me. I am tired of being bounced around to do a simple address change, I have given them all of the verifying documents that they need and they even confirmed that they received a copy of my recent gas bill with the right address and verified me over the phone several times. I feel like my rights as a consumer are being violated according to the Fair Credit Reporting Act which states that credit bureaus may only report information that is ACCURATE and VERIFIABLE. My OLD address reporting as my CURRENT address is neither one of the above and even with VERIFIABLE proof of my identity and the new address they refuse to change it. This is frustrating and I want it fixed immediately.
Product: Credit reporting

They have sent me a report that reads the XXXX fraudulent accounts remain. They have willfully violated the FCRA in that they have not blocked the XXXX fraudulent accounts as requested in full accordance with legal provisions set for victims of identity theft and they have provided no explanation as to how they have investigated the accuracy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent Equifax a letter informing them to send me how they are verifying the account listed on my credit report ( XXXX XXXX XXXX ) because I also challenged these accounts with XXXX XXXX XXXX and per XXXX XXXX XXXXXXXX investigation they was not able to verify the above account. I have also sent all three companies an identity theft report however Equifax keeps posting this account under my credit report as verified and have yet to send me any information on how this account is proving verified on their end. Attached is the letter I sent to Equifax and a copy of the identity theft report.
Product: Checking or savings account

On XXXX XXXX like most customers of Navy Federal Credit Union, the deposit of my paycheck with direct deposit was not available for some unknown reason. While Navy Fed worked to fix the issue, they stated on their official XXXX account that the money was posted but was not showing up, quite frankly we were told that we have invisible money. All the while automatic Bill pay, which they push for people to sign up for, was being declined or over drafted. It has been 8hrs since I should have received my direct deposit and I, like everyone else, work hard for the money we have earned. In doing so I should not be nervous about a glitch or something that is going to prevent me from paying my bills on time and then have to suffer overdraft fees due to a problem not of my own doing.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I noticed an email saying that a charge was declined. The amount was over {$900.00}. I called chase customer service and requested to cancel my card and to take any necessary steps to stop further damage. On XX/XX/year> there was a charge for {$370.00} also on XX/XX/year> for {$400.00}. I called them and found out that they forgot to turn off my digital wallet and thats how they charged my account. Just found out they denied my claim because I purchased from this same company in the past. Automatically making me responsible for the charges. I feel like i been screwed twice and the bank has failed me. I tried getting a hold of the company however it seems impossible. The company that Im trying to contact is ( XXXXXXXX XXXX  ) its a discount on line store. I tried email however it didnt deliver. Im asking for help with this issue because it not the first time Ive been wrong by a bank the first day was chime pls fix this issue. Thank you and have a great day
Product: Mortgage

I have tried to find help through the bank in order to obtain my home. But the bank has negated to assist my case. I have applied for a modification numerous times but the bank will not give me an approval, by continuously requesting documents that I have already sent multiple times. I am soliciting you because I feel as if I 've run out of options, and my intention is to stay in my home because I have no where else to go. In these moments, I am ready to make monthly payments towards a loan modification. The bank continues to obstruct my case and I have proof of such actions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I am a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Debt collection

Portfolio failed to provide me the original credito. 
Proof of collection agency has the right to collect. 
They fail to validate my debt, if they fail the collection agency can no longer force me to pay the debt nor take me to court. they should remove it off my credit report per the FDCPA. 
Portfolio failed to provide any judgments obtained. 
XXXX use XXXX XXXX asking them to remove from all three credit office
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a real estate mortgage loan from PENNYMAC LOAN SERVICES, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PENNYMAC LOAN SERVICES and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PENNYMAC LOAN SERVICES with no successful resolution. XXXX, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

I set up a onetime auto pay for XXXX XXXX dollars they did not remove the funds when they said allowing another transaction to dip in the money so I canceled the payment. They took it upon themselves to continue to run this same payment even after it was canceled mind you I am not on autopay. I called in and made a XXXX payment on XX/XX/XXXX by the way no bill was due until XX/XX/XXXX. I tried to use my card and nothing happened. I call in and they tell me my account has been closed for to many return payments and the fact is they sent them through without my permission and they just took my money and closed the account damaging my credit
Product: Debt collection

On XXXX i received a letter from hunt and Henrques stating NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS for an alleged debt against my name. I responded back to them on XXXX requesting a debt validation, Original consumer contract that can show I agreed to pay that alleged debt. Copy of chain of title or purchase agreement that grants them the authority to collect on the alleged debt. Till today XXXX I havent received anything from them. I actually received some junk mail stating that a company had filed a lawsuit against me with case # XXXX. 
I looked it up on the courts website and there it was. I never received a response from them yet alone got properly served by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Transunion to dispute a few inaccuracies on my report. On XX/XX/2020, Transunion received my dispute via USPS certified mail tracking and did not investigate my dispute. I have attached the proof.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I've sent {$1000.00} from my Bank of America Account to XXXX ( so they could forward the money to XXXX ). 
The " receiving bank '' for XXXX  XXXX was XXXX XXXX. 

Since then, I've never seen my money again. Bank of America has shared confirmation numbers for the transfer and has informed they tried to recall the payment but they couldn't get in touch with XXXX or the receiving bank. Bofa tells me I need to reach out to XXXX. 

I've provided all the available information to XXXX but they say they have never received the money - and that I need to sort this out with Bofa. 

This has been a nightmare, {$1000.00} is making a huge difference to us in XXXX and we feel unsupported by the two institutions involved in the transaction.
Product: Payday loan, title loan, or personal loan

During XXXX the covid 19 could not make a payment because everything was shout down they charged me late payment and i would like it to be remove and up date my account the dont send me no bill of my account what was paid it supoose to be paid out in full i made my last payment in XX/XX/XXXX of XXXX they did not put nonting on my account of being paid out
Product: Credit reporting

I wrote Transunion in XXXX and they never wrote me back. I am attaching what I sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. As per Section 1681o of the Fair Credit Reporting Act ( FCRA ), I believe that the reporting reflects civil liability for negligent non-compliance, and I request an immediate investigation into these matters. 

1. XXXX XXXX XXXX XXXX - Account Number : [ XXXX ] - Date of Report : XX/XX/scrub> 2022 2. XXXX XXXX XXXX - Account Number : [ XXXX ] - Date Opened : XXXX 2022 - Status : Account was written off I believe that the reporting of these accounts is inaccurate and does not comply with the legal standards set forth in the FCRA. I kindly urge you to conduct a thorough investigation into both matters and provide me with a written response regarding the findings. 

In accordance with the FCRA, I request that you delete any inaccurate information related to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. The continued presence of this information is adversely affecting my creditworthiness, and I am seeking a fair resolution to this issue. 

I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA. Please confirm receipt of this letter and let me know if you require any further information to assist in your investigation. 

Thank you for your cooperation. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of ID Theft. The following accounts were fraudulently opened in my name and are still being verified : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX
Product: Mortgage

I have a FHA mortgage. I have been trying to modify my mortgage for the past XXXX yrs with Wells Fargo on my own. I have given them everything they have asked for but kept getting denied. I have not been able to get approved but no luck. I also hired an attorney to help me with loan modification. My attorney has tried at least XXXX times also denied. My attorney has gotten the same result. Now my arrears are over {$130000.00}. Now I have a sale date for XXXX/XXXX/15. Now I am going to lose my home. I need your help to stop the sale and would like for someone to investigate my file with Wells Fargo if I have been treated fairly.
Product: Debt collection

I received a letter in the mail stating that hunter war field was attempting to collect a debt. I replied on the letter stating that I wanted validation. I did not receive anything in the mail and noticed this debt my credit report in XXXX of 2024. I had a security deposit in the amount of XXXX which should have went toward the amount owed. The amount they are attempting to collect is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I reached out to TransUnion concerning inquiries that were on my credit report they transferred me to a couple of departments and were unable to assist me. The following is the list of inquiries : XXXX XXXX - XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - XXXX XXXX, 2019 XXXX XXXX - XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/2022 XXXX XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX XXXX XXXX  XX/XX/2022