23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I entered a bill pay with XXXX XXXX in the amount of {$3000.00} towards principal on my Ditech account. The money was received by Ditech and credited to my mortgage account on XX/XX/2016. On XX/XX/2016 Ditech said they returned the money to XXXX XXXX for insufficient funds. This was an electronic transaction from XXXX XXXX so how there could be insufficient funds is a mystery to both me and XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that a payment of {$1000.00} had been returned for insufficient funds and a {$20.00} fee charged to my account. 
Since this time I have made a dozen calls to Ditech, two of which were three way calls with XXXX XXXX. ( I 've made three calls today. ) I was told that customer service representatives are not allowed to forward calls to supervisors on Mondays. Both XXXX XXXX and I have asked for a routing number or copy of the check for the return payment to XXXX XXXX. We have been told by Ditech they do n't have access to routing numbers or specific information about a returned payment. Ditech took 30 days to investigate and sent me a letter stating that the {$3000.00} had been returned due to insufficient funds with no proof of the return. Note that this is a different amount than the original letter. 40 days ago Ditech asked for and was sent a statement of the last 30 days of my account. The transaction is referred to as XXXX on my account. 
Ditech has stolen {$3000.00} and has not returned it. Ditech refuses to assist in finding where the funds have gone. This is theft and fraud. 
I have my bank information regarding the time frame in question as well as a proof of payment from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of outdated debt accounts from my credit report. I have recently reviewed my credit reports from your agency, and I have noticed that several debt accounts that are over XXXX years old and have been in default more than 5 years that are still listed and reporting on my report. According to federal law, and Virginia Attorney General these accounts and being reported illegally and should no longer be reported, and I kindly request their removal. 
Below, I have provided the relevant information for these accounts : 1. Creditor Name : J.P Morgan Chase 2. Account XXXX : XXXX XXXX. Date of First Delinquency : XX/XX/XXXX XXXX. DATE OPEN : XX/XX/XXXX I believe these accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing.

Enclosed with this letter, please find copies of documents supporting the age of these accounts, including. I request that you investigate this matter and, if found to be in violation of the seven-year reporting limit, remove these accounts from my credit report promptly.

I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to conduct a reasonable investigation within 30 days of receiving a dispute. I request that you provide me with written confirmation once these accounts have been removed from my credit report. 
Also, on the following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that payment on XX/XX/XXXX, was 30 days late, XXXX states that on the same month XX/XX/XXXX payment was on time.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a letter of dispute was sent to equifax because there are some items on my consumer report that i have no idea where they are reporting from. I waited 30 days and have yet to get anything from the company going over my dispute.
Product: Mortgage

SLS MORTGAGE COMPANY TOOK IT UPON THEMSELVES TO PUT OUR MORTGAGE INTO FORBEARANCE, WITHOUT BEING ASKED, WITHOUT HAVING THE COURTESY TO REACH OUT TO THE HOMEOWNER! 

SLS MORTGAGE COMPANY COMMITED FRAUD WE DID NOT AUTHORIZE OR ASK FOR ANY HELP! THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR ILLEGAL ACTIONS! 

I WILL CONTACT ALL MEDIA OUTLETS AND REPORT THIS MATTER AND GO INTO DETAIL AND I WONT STOP UNTIL THIS BANK IS STOPPED AND MY HOME OF 50 FIFTY YEARS WILL REMAIN MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2022 AND XX/XX/2022 I SENT A LETTER TO CREDIT SYSTEMS TO VALIDATE TWO ACCOUNTS THEY PLACED ON MY CREDIT REPORT. I HAVE NOT RECEIVED ANY RESPONSE NOR HAVE THEY REMOVED THIS FROM MY REPORT. 

IVE INCLUDED THE LETTERS AS WELL AS THE CREDIT REPORT FOR BOTH ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816. 

I have mental health problems and will need help sorting out these many many pages of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Product: Mortgage

This form is misleading in that it provides an interest rate without an APR and discussion of closing costs.
Product: Credit reporting or other personal consumer reports

In XXXX I had received a call from Phoenix about a medical bill which had been turned over to them. I was walking into a meeting at that time in which I asked the man XXXX to call me back in a couple of hours to discuss this in detail and he said he would. Never got a call back. I called this company to see what was going on and got ahold of a different rep in which he said he would get the XXXX who was over my account the message to get back with me about getting a copy of the original bill to send into my insurance. A few hours later I get an email with a settlement offer letter stating if this wasnt accepted they would report to the credit bureau and never the bill. I replied right back to the email again requesting the original bill and got no response from there. All these phone calls are recorded on Phoenixs end. I disputed this and explained this to XXXX and after 20 days nothing changed and they closed the dispute saying it was valid. Wanting to take care of this and get this collection account off my credit report and hurting me. Thank you.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed the validity and the account status of a XXXX XXXX account several times with Experian, XXXX and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Experian completed an inadequate investigation, if any. They did not VALIDATE the account was mine. They have not provided an true open date or payment history ( both of which I requested ), no account info, nothing! I filed XXXX separate disputes ( XXXX online and XXXX via USPS ) with Experian regarding this XXXX account, and I have yet to receive any type of correspondence from them. It has been 30+ days. I have obtained new credit reports from each of the mentioned bureaus as recently as XX/XX/XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that Experian and XXXX have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. XXXX  Days later no response is insane why take of someone who is trying so hard as a XXXX mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.
Product: Payday loan

I received a call from Trademark Management saying that they have legal documents for me. I do n't believe Trademark Management is a legal company. Their phone number is XXXX. They told me I had to settle or go to court, ASAP. When I called Trademark, I got XXXX XXXX. She told me she was from Pennsylvania but did not know the address for the company. This place leaves threatening voicemails saying I 've been served.
Product: Credit reporting or other personal consumer reports

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also remember that charge off accounts are treated as income since a 1099 was submitted in relation to the charged off account and income may not be reported on a consumer credit report.
Product: Credit card or prepaid card

I used a balance transfer check having a promotional rate and when the promo rate expired the apr went to about 26 %. recently I did not believe this rate should apply and sent Barclays a dispute letter on XX/XX/2023. I received a response dated XX/XX/2023 which was nothing more than a form letter telling me to call their customer service number. On XX/XX/2023 I did so but the employee knew nothing about my dispute and could only read some information that said that the apr was correct, but the said the apr should be 20 %. 
Nothing was resolved. So I have withheld the disputed amount from this month 's payment and wrote a letter on XX/XX/2023 explaining my position to Barclays. I think Barclays should assign a person to this matter and contact me in a manner consistent with the billing dispute resolution procedures of XXXX XXXX. 
Please use my personal phone number XXXX XXXX or email XXXX when replying to me.
Product: Credit reporting or other personal consumer reports

Request to Remove Paid Collection from Credit Report **Account Details : ** - **Account Holder Name : ** [ Your Name ] - **Account Number : ** XXXX - **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - **Amount Placed : ** {$170.00} - **Status : ** PAID COLLECTION - **Date Paid : ** XX/XX/year> - **Balance : ** {$0.00} Dear CFPB, I am writing to request the removal of a paid collection item from my credit report. The collection account in question originated from my gym membership with XXXX XXXX XXXX in XXXX. Unfortunately, due to an issue with my payment card at the time, my membership fee was not processed, which led the account to be sent to collections. 

Once I became aware of the issue, I took immediate action to resolve it. I paid the full amount of {$170.00} on [ XX/XX/year> ], and my balance with the gym is now fully settled. I do not owe any money to the gym or to the collections agency. 

I believe this item is unfairly affecting my credit report despite being fully resolved. As a paid collection with no remaining balance, I kindly request that this account be removed from my credit report. Removing this item will allow me to rebuild and establish my credit, which is essential for achieving my financial goals. 

Thank you for your time and assistance. I appreciate your attention to this matter and am happy to provide additional documentation, including payment proof, if needed. 

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

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account they have sued me for a judgement back in XX/XX/2016and now reporting it on my credit report. Is it ok to report the original debt on my credit and also have a judgement with fees and other charges on my actual credit report. If I pay off how do I get a resolution to the judgement? XX/XX/2016
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report, and this my 2nd time filing my complain to your agency and the problem on inaccurate reporting is still existing to 3 bureaus. I have consistently disputed the inaccuracies in the following information with XXXX, Experian, and XXXX ; however, regrettably, the matter remains unresolved to this day. 

1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2021 XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Mortgage

This pertains to a now short sale on a property mortgaged by Wells Fargo ( WF ) from XXXX to XXXX and went through short sale around XXXX after I was in personal bankruptcy dishcharged in XXXX after the death of a co-borrower. 

I wanted to keep the property via a mortgage modification and WF requested income and bank statements to go through HAMP. Every 2 or 3 months WF requested updated documents for HAMP but never offered me a modification until after 1 year had passed.

I now understand they were prolonging this process for over 12 months so what was a condo in bankruptcy became a separate event. WF then said if I made 3 payments of around {$1600.00} they would consider modifying the loan but never offered a modification.

I did not make those payments and then agreed to sale the property which further affected my credit beyond the bankruptcy which now included a short sale.

WF seemingly had no intention to process me through HAMP but rather wanted a short sale if the property.
Product: Credit card

I applied for and was approved for a store credit card. A XXXX credit card. Once approved, later that day I purchased cabinets from home depot store XXXX. However, according to citibank ( credit company ) I was double charged, it was marked as fraud, and my account was put on hold. 

I called about the hold and was told to talk with the store XXXX about the double charge to have it removed. Store XXXX was not able to see a double charge on their end. 

Because of the hold and citibanks security protocols I am stuck not being able to use my account nor being able to dispute my charges
Product: Debt collection

Company L.J ROSS & Associates has furnished my consumer report trying to collect a debt that has been written off and charged off by the Original Creditor, XXXXXXXX XXXX. I have requested IRS documentation from XXXXXXXX XXXX XXXXXX/XX/XXXX ( cancellation of debt ) that the bank has submitted to the IRS. I received verification on the call the amount in question was and has been CHARGED OFF. I was advised they would send the requested IRS documentation within 7-14 days. This account is currently in litigation as all parties will be held responsible for furnishing my consumer report and their attempts to try and bring stress upon I the consumer. L.J Ross and Associates has furnished my report illegally for 4 years. This company has received several disputes regarding this account and in their efforts have continued to verify information to my consumer report without : A. having permission from I the consumer to have my non-personal information. XXXX XXXX  breached their privacy policy with I the consumer as advised in the contractual agreement that my non-public information is not to be disclosed to non-affiliate third-parties as, L.J Ross & Associates . XXXX. L.J Ross & Associates and XXXXXXXX XXXX have violated my rights of privacy pursuant to The Privacy Act of 1974. 

I demand the collection account be removed effective immediately. All parties have been notified.I am requesting damages pursuant to the FDCPA for falsifying and furnishing inaccurate information to my consumer report for years. Indicating that I owed the alleged debt and in fact I DO NOT. I am willing to settle XXXXXXXX XXXX XXXXXXXX XXXX, civil liabilities and damages against I the consumer in accordance with the FDCPA 15 U.SC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with Capital One and they do not have information pursuant to North Carolinas UC-C. They are robbing, badgering my credit with no explanation on an erroneous alleged chargeoff.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX Reporting To All XXXX  Acct # XXXX XX/XX/XXXX Balance owed {$1.00} XXXX XXXX Reporting All XXXX  Acct # XXXX XX/XX/XXXX Balanced Owed {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter of dispute was sent to Lexis Nexis and received by the company on XX/XX/22, see attached certified receipt. In my letter, I requested an investigation into a record being reported on my consumer report. In accordance with 15 U.S. Code 1692g - Validation of debt. Lexis Nexis has 30 days from the date of receipt to investigate any disputes regarding erroneous items. As of XX/XX/22, no response has been received by Lexis Nexis.
Product: Credit card

I have had multiple problems trying to pay my bill this month through the app and website. 
Attached is a screenshot of a persistent error message. 
By the time I was finally able to get a payment through it forced it to post the next day as errantly late.
Product: Checking or savings account

XX/XX/XXXX I tried to use my card to order food and it kept declining, I Figured it was locked for some reason. The next day I try again and it still doesnt work, I call Chase and after 2 hours of waiting they tell me that my account is frozen and under investigation. I ask why and they had no explanation I ask to talk to a supervisor and he tells me the same thing that they can not unfreeze my account. I ask how long this investigation may take and he has no idea either and all I can do is wait. It is now XX/XX/XXXX I still have no access to my account with the funds I use for my daily necessities.