23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, Around XX/XX/XXXX my wife and I ran into difficult financial times with XXXX and were force to file bankruptcy. We tried to keep our house by continuing to make payments until XX/XX/XXXX. XX/XX/XXXX, we stopped making payments on our house and moved out. Because the house we lived in was under construction we were unable to do a deed in lieu and have to wait for the foreclosure of the house. Since then I have rebuilt my credit and have been trying to purchase a another house. However, the previous house has not been foreclosed on ( and we need to wait 2 years after the foreclosure to qualify for an FHA loan ) we are unable to purchase a house. I called the mortgage servicer and they told me that they ca n't rush the foreclosure any faster it 's ( almost 3 years ), but this is causing us undue hardship by not being able to qualify for another house. Is there anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, Equifax, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, Equifax, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name addresses on my credit report. Despite prior disputes, this incorrect name addresses remain listed : These name addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I noticed I had a negative item on my report, filed a dispute and it was removed. I was told to check all reports and realized there were negative items on all reports. I was denied credit due to negative marks. I 've spent money on numerous credit sited trying to get in contact with XXXX and Experian to get dispute items and also fix my date of birth. I ca n't even see reports or talk to someone that knows whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to bring to your attention an instance of inaccurate and misleading reporting by Experian, one of the major credit reporting agencies, regarding my XXXXXXXX XXXX XXXX account. The information provided on my credit report not only violates the Fair Credit Reporting Act ( FCRA ) but also contravenes the Consumer Credit Protection Act ( CCPA ) and the Privacy Act.

Misleading Reporting of XXXX XXXX XXXX  : Experian is reporting my XXXXXXXX XXXX XXXX  with a charged-off status and a past due balance of {$2800.00}. The report also indicates a continuous monthly charge-off in the payment history section, providing inaccurate information about the timing of the charge-off. This violates FCRA regulations, particularly 15 USC 1681, which requires the accurate reporting of credit information.

Unauthorized and Misleading Reporting of Payment History and Balance : Experian is displaying {$0.00} paid each month after the charge-off, along with a consistent representation of the charged-off balance of {$9300.00}. This practice not only breaches FCRA guidelines but also infringes upon my privacy rights as per the Privacy Act ( 5 USC 552a ). All payment history is private information, and I did not provide authorization for such sensitive data to be disclosed in this manner.

Current Legal Status of the Account : Additionally, I would like to bring to your attention that XXXX has filed a lawsuit against me regarding this account, and a stipulated judgment has been signed and entered into the record by the judge of XXXX XXXX XXXX XXXX. The accurate status of the account is currently in good standing, being paid to XXXX through their legal counsel. 
I am deeply concerned about the potential adverse effects these inaccuracies may have on my credit standing, especially considering the legal resolution in progress. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate actions to rectify the inaccuracies promptly.

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, the stipulated judgment, and relevant legal provisions. I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Mortgage

My wife and I were contacted by Bank of America about a home equity line of credit we have on a rental property where I have my counseling office that is due to expire XX/XX/XXXX. We currently pay {$270.00} per month on a fixed rate of 3.25 %. BOA estimated that our payments can go to {$1100.00} per month for 120 months. When i contacted them I was sent to their debt collector department and treated as such. When I ask them what we can possibly qualify for they stated that most likely we will be turned down and the best thing to do is wait till next XXXX when the loan goes up. Again this is a rental property with other business tenants besides me we ca n't wait and increasing rent in our rental market is not an option. We may have to attempt to sell the building. I would like to be able to speak to someone at BOA that can actually assist us .Also when I asked them what the formula is for qualifying they stated they can not release that information because customers will use it to fudge their application.
Product: Credit reporting or other personal consumer reports

I am being violated by XXXX, Experian XXXX XXXX credit bureaus under XXXX ( XXXX ) ( B ), XXXX, XXXX, XXXX, XXXX, XXXX ( a ) ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX!
Product: Debt collection

On XXXX I was contacted by Hunter Warfield to request payment based on the move out calculation provided by XXXX XXXX XXXX XXXX XXXX. I advised Hunter Warfield that I was waiting on XXXX XXXX to provide me with the final amount that was due. I advised Hunter that I sent a response to their demand for payment. Hunter Warfield requested that I provide them with a duplicate of the demand via their website. On the same day of the call, I sent an email to Hunter Warfield to demand proof of the debt. 

I advised Hunter Warfied in my letter of the following : On XXXX I was contacted by Hunter Warfield to request payment of {$3600.00}. The agent advised Hunter Warfield followed with the Property Manager in XXXX and the Property Manger confirmed the amount of {$3600.00} was the correct amount. 


Hunter Warfield is making demand for the initial move out calculation amount of XXXX on behalf of XXXX XXXXXXXX XXXX XXXX XXXX. However, XXXX XXXX confirmed via email the amount of XXXX would be decreased based on information that I provided to them. The information that was provided provided support for why specific charges shold be removed or decreased. To date, XXXX XXXX has not provided confirmation of the final that would be due once the agreed charges were removed/decreased. As a result, Hunter Warfield is making a demand for the incorrect amount.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my EQUIFAX credit report and found that I have fraudulent activity listed that has caused a significant drop in my credit score on the account listed below : Account company : XXXXXXXX XXXX Please remove this account immediately, and send me an updated report. I do not recognize this account. I have been a victim of identity theft due to a data breach. I have attached supporting documentation XXXX XXXX XXXX SSN : XXXX Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that were opened in my name due to identity theft. I have already reported this incident to the Federal Trade Commission ( FIC ) and filed an identity Theft Report ( FTC Reference No. : XXXX ). Attached, please find a notarized identity theft affidavit as well as a copy of my complaint with the FTC for verification. The fraudulent accounts in question are : XXXX. XXXX Account XXXX. XXXX XXXX XXXX These accounts were opened without my knowledge or authorization. Under the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. S 1581c-2J, as a victim of identity theft, I have the right to have these fraudulent accounts removed from my credit report. Furthermore, I request that you block these fraudulent items from appearing on my credit report, as mandated by [ 15 u.s.c. s 1681c-2 ] and [ 15 u.s.c. s 1681i ]. To support my request, I have included the following documentation : A copy of my government-issued lD ( to verify my identity ). The notarized identity theft affidavit. A copy of my FTC identity Theft Report. Proof of my address ( e.g., utility bill or bank statement ). Please conduct an investigation and notify me of the outcome in writing. Given the requirements for handling identity theft claims, I expect that this investigation and any resulting corrections to my credit report with be completed promptly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report by XXXX XXXX XXXX XXXX ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has incorrectly reported my account of two of my credit cards as 30 days late to both Experian and XXXX, while inconsistently reporting it as 60 days late to XXXX. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, XXXX XXXX XXXX XXXX falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, XXXX closed my account based on this erroneous 30-day late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that XXXX XXXX XXXX XXXX immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should XXXX fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequium Asset Solution is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Sequium Asset Solution is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
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. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXF XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX,  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 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: Checking or savings account

Upon reciept of actual notice of intent to defraud the United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I sent an email XX/XX/XXXX XXXX AM, Chase Accessibility from " secure online messaging '', subjectAccommodation assistance, informing JP Morgan Chase as a medical necessity, " after an ongoing media intrusion, and threats to personal safety from obstruction of access to personal property at XXXX XXXX, established the need for any available accommodations to keep the account open for deposits from the United States Department of Treasury, until the issue of XXXX XXXX XXXXXXXX employees maintaining a record of intentional fraud on the federal government has been resolved to correct my past due benefit amounts in default since XXXX of XXXX '' Denying fraud alerts as would be available to persons without need for XXXX accomodations, JP Morgan Chase responded XX/XX/XXXX XXXX XXXX, from Chase Accessibility, subject : We received your accessibility assistance message, clearly showing bias against the consumer in a statement that reads, Based on our review of your messages, we understand that you are currently disputing activity from the Social Security XXXX. We recommend you work with them directly to resolve any disputes relating to Social Security XXXX. 

However, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, " Nothing in this section shall require a person with a XXXX to engage in a futile gesture if such person has actual notice that a person or organization covered by this subchapter does not intend to comply with its provisions. '' Therefore, if an underpayment is egregiously neglected, but evidence submitted to the bank established a claim due an eligible survivor, the money would be paid immediately but the Department of Treasury would not reimburse XXXX based on evidence provided to the bank showing intentional delays. JP Morgan is requested to suspend the checking account in question until further notice of action from the claimant, with a return of remaining balance adjusted to meet claimant dire needs pending forgery determination awarding a new decision on underpayments paid against the agency false records without delay. 

JP Morgan Chase has thus far exploited the conflict of interest by refusing my written requests on multiple trading days across several public markets, allowed media companies to use a separate credit account for fraudulent transactions causing a cumulative financial injury, and coerced the complainant to stipulate all communication through phone calls with an XXXX XXXX unwilling to document the procedural history of fraudulent transactions.
Product: Credit card or prepaid card

- For XX/XX/XXXX statement, substantial amount ( {$3800.00} ) of payment was made, posted on the account and immediately US Bank decrease credit limit without notifying me in advance ( from {$20000.00} to {$18000.00} ) which resulted in failure to make an important purchase. 

- US bank stated that mail was sent out ( notice of credit decrease ), but never received. 

- I have been US Bank Credit Card customer since XX/XX/XXXX, always had good standings on the account and this is the first time they ever decreased credit limit.
Product: Mortgage

I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. 
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Mortgage

After much difficulty and back and forth, I closed on my refinance on XX/XX/2018. Two days after the closing, the lender informed me there was an issue with my cash at hand, as they did not include my pension from NJ. I was not informed that my pension was excluded until two days after signing the closing documents. By the time I could coordinate with NJ pension system and get proof, it was XX/XX/XXXX. On the XXXX I was informed that the money was released to the title company. On Friday XXXX I was told a check would be overnight to me. Today is XX/XX/XXXX and no check is arriving today.
Product: Credit card

I've always made sure to pay this account on time, never letting payments become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

Plaintiff filed a Complaint for Money against Defendant on or about XX/XX/XXXX. The summons was served to an XXXX elderly individual, XXXX XXXX on XX/XX/XXXX. See XXXX for XXXX XXXX. XXXX. Although, XXXX XXXX signed the summons on XX/XX/XXXX, I, XXXX XXXX never received notice of the documents filed at the XXXX XXXX XXXX. XX/XX/XXXX, Plaintiff filed its Motion for Default Judgment, and ultimately, the Motion was granted by the Court on or about XX/XX/XXXX. In recent, Plaintiff filed a Motion to Revive a Dormant Judgment and after being served on XXXX XXXX, I filed an answer with the court. See XXXX for XXXX XXXX. XXXX. A Revivor Hearing was held XX/XX/XXXX, and magistrate, XXXX XXXX, granted the Revivor Motion without reviewing any documentation. XX/XX/XXXX, I, XXXX XXXX filed a Civil Motion to Vacate and Dismiss Judgment and Plaintiff, XXXX XXXX XXXX has failed to respond to the court within the requested timeframe. 
The summons filed reflects incorrect information and I have filed an Affidavit in which I never was put on notice regarding the filing of this complaint. This complaint pertains to an account that was entered into a payment plan with Credit Advocates Law firm in XXXX and specified account/ debt has been satisfied. After 10 years, past the statute of limitations, XXXX XXXX XXXX XXXX wants to pursue a Default XXXX that was served upon the incorrect individual. I have lived in the same home, same employment and have had the same bank account information yet after so many years, this " debt '' is not even reflected on my credit report. 
There is an open dispute with XXXX XXXX XXXX XXXX and I have also requested documents from them on XX/XX/XXXX, and XX/XX/XXXX and as of today 's date, I have yet to receive any information. XX/XX/XXXX, I filed a Motion with the court to Vacate and Dismiss and XXXX XXXX XXXX XXXX was to respond to said motion by XX/XX/XXXX and they have failed to respond to the court as well.