23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to hardship I had to modify my VA loan with Rocket Mortgage in XX/XX/2022. The VA recently returned paperwork to Rocket Mortgage indicating incomplete paperwork work sent. Paying my mortgage as agreed by modification of XX/XX/2022 payments have not been applied to loan because VA did not agree to modification. In XXXX I reached out to another lender to consolidate my debts and mortgage. XXXX refuses to show I am current of monthly payments and exact payoff to new lender. Going forward with new lenders agreement I was in closing procedures skipping XXXX and XXXX 's mortgage payments. At first all was a go with Rocket Mortgage, then we here nothing has been approved since XX/XX/2022. In order to get a current status from XXXX I must pay XXXX mortgage which I do not have. Plus if matter is not corrected immediately I lose the opportunity to consolidate my debts with new lender and monthly mortgage payments will be in default. I and the new lender have called Rocket Mortgage numerous of times and each representative gives us a different solution. This has totally place me in a hardship situation ... HELP!
Product: Checking or savings account

Claim number XXXX. I disputed a charge and Bank of America chose to  believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, XXXX bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a personal information letter to Experian on Friday, XX/XX/2022 and a second one on Tuesday, XX/XX/2022 requesting that Experian update the information in my file to reflect ONLY my true accurate undeniably valid current correct address and remove all other reporting addresses that are not exactly as I have submitted and proven with my Drivers license. Because those other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
Product: Credit reporting or other personal consumer reports

I recently conducted a credit report investigation that left me depressed for days because I discovered facts that your agency failed to verify were true, erroneous, suspicious, and unverifiable. 

All information on my credit report must be completely accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely correct. All of the letters that were sent are attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for quite a long time. I'm demanding CFPB to enforce the correction and or deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...
Product: Credit reporting

The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. 

Tax Lien XX/XX/XXXX Released {$690.00} Public Record Details Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Released Amount {$690.00} Classification Lien Type Tax Lien
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I began repaying loans to XXXX/Navient XX/XX/2009. When the payment was too much for my beginning salary, the only option that was provided to me was an interest only payment for two years. I accepted a XXXX/mo interest only payment. Two years later I contacted because my loan payment returned to the original rate which nearly doubled my payment. Again, I was told that interest only payments were the only option, now for three years. After 5 years of paying XXXX in interest only payments, believing it was the only option, I am told by a Navient representative that I could have modified the terms of my loan, lowing the interest rate and extending my terms. Now I am paying XXXX/month with payments going to interest and principal. Because they did not inform me about the modification option, they have received an extra 60 months of interest payment without my principle reducing XXXX.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires the removal of any incorrect accounts from my credit report. Would you mind checking the documents? Some of the listed accounts have inaccuracies in reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE BANK USA XXXX XXXX XXXX, XX/XX/2021, XXXX. XXXXXXXX XXXX, and I have no recollection of doing any business with CAPITAL ONE BANK USA. I contacted CAPITAL ONE BANK USA, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AL XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Bank account or service

Paypal blocked my account because I signed in from a foreign location. I am a XXXX and am abroad almost all the time. I called their resolution center several times, answered all the security questions successfully, and reset my password. All to no avail. In frustration, I asked that my account be closed and that my credit balance of {$93.00} be returned to my bank account on record ( it is the same account I have been using for years ). In true XXXX fashion, paypal refused to close my account because it is blocked ( by them ) and referred me back to their resolution center which was unable to resolve the problem. I emailed them several demanding that my account be closed and the my funds be returned to my bank account in the US that they have been using without a problem for year. They are crooks and I will never do business with them again but I need help in closing my account and getting my money back. They ca n't just block valid accounts willy nilly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's Card US did not tell me they were checking my credit ( hard pull ) before taking my application for a credit line increase. Many card companies do soft pulls and they notify you if they have to do a hard pull. Barclay 's did not give me any information about a hard pull. I would not have submitted my application had I known that my request would result in a hard pull to my credit. I'd like Barclay 's Card Services US to remove this hard pull from my account because I didn't consent to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an inaccurate credit limit on my XXXX CARD account. My credit has been increased to {$8000.00}.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- - ; I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, Transunion XXXX on XX/XX/XXXX ), XXXX XXXX on XX/XX/XXXX ), and XXXX ( on XX/XX/XXXX ) ;. ; Transunion has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Transunion 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Transunion. Transunion should remove the Public Record bankruptcy and associated bankruptcy accounts immediately.
Product: Credit card

Synchrony bank dba My Lowes Reward Card has advised me that I will charged {$1.00} if I receive a paper credit card statement. I believe such junk fees are illegal
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Tsc contacted me on XX/XX/24 regarding a missed medical co pay to my child 's medical office. The representative did not say it was a recorded line and was calling on behalf to collect a debt. I clarified I was just made aware of the issue on the XXXX the day before with my child 's medical office that they have an insurance bill error over the phone with their biller rep and my insurer on the phone line to confirm with me. Due to the error and the address error my child 's med office had I never received any notice of this uncollected balance as I always assure all balances are paid. My child 's XXXX XXXX said I would be contacted by their office Wednesday the XXXX to clarify the only balance I have is {$18.00} for another service date. The TSC rep stated the bill was for XXXX my child but did not say or provide who the original creditor was and or for nor when they received the account to justify an up charge of {$10.00} although I have that info from my child 's medical office that it was XX/XX/24 they sent the balance out for a collection. The TSC rep demanded I pay {$55.00} and I stated the balance the office stated was {$45.00} and it's what shows on my child 's account. The rep then stated I owed {$55.00} due to fees and I said well I'd like to await for a call back from my child 's office manager wed as I was just informed on XX/XX/24. He demanded I pay the {$55.00} and he stated he would add interest daily and report the sum to my credit until paid cause I just admitted I had notice when I stated I was just informed XXXX hours prior. I do not owe TSC anything. He then stated pay your bills and hung up on me!. He called me again and I stated I invoke to be further contacted by his co TSC as instructed per my attorney for they do have collection violations committed by TSC. Per my attorney this representative already violated FDCPA laws, and I will pursue legal action for the illegal conduct
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has resulted in the appearance of accounts that are both unknown and inaccurate. This is deeply concerning, as it affects the accuracy of my credit profile and could lead to further complications.
Product: Checking or savings account

I opened a checking account with CITI bank back to XX/XX/2018. Citi advertised that there was a {$400.00} bonus after depositing XXXX dollars in the checking account for 60 days. I fulfill the requirement and confirmed with the online chat representative that the bonus would arrive no later that XXXX. However, It has not arrived yet until now ( XXXX ). Also, I filed a claim with Citi bank on XXXX. I was told it would 3 to 7 business days to complete my request. 8 business days have passed. No follow up, no bonus, nothing. I was charged XXXX dollars for not maintaining enough money in my account according to their terms & condition. When they break the terms & condition, there is nothing I could do. Will not banking with Citi again
Product: Debt collection

Firstmark Services claims I owe them for a student loan debt that was purchased from XXXX XXXX. I was made aware of this on XX/XX/2021. On XX/XX/2021, I requested validation of the debt within 30 days and was advised on XX/XX/2021, that a copy of the promissory note would be sent to me with 2-3 business days. It is now XX/XX/2021, and I have been provided absolutely no documentation to validate this debt is mine. Firstmark has since reported the debt to credit bureaus ( even without the ability to verify its validity ) and has continued to attempt to collect the debt while it is in dispute. I received notices this week via both email and physical letter that the account is past due, even though the validity of the account is in dispute an unresolved. It has been almost 45 days since I requested validation of the debt and I have been provided nothing while Firstmark continues to attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX