23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that has indicated it is a medical debt. I have no knowledge of any account like this and have never had any medical debt, surgeries, etc for many many years. I have used multiple service providers to dispute this account over the last 6-7 years. Yes, I have disputed this MANY times and once it gets removed, it then gets replaced with a new collection agency. I have used XXXX, XXXX, XXXX, XXXX and XXXX to dispute all of these different attempts to clear my report. When I originally found the account on my report and disputed it, the collection agency was a company out of XXXX, Florida. Then another out of XXXX Ohio tried collecting on it and then another back in Florida, and now one in XXXX. No one has yet to tell me what this is. This has easily been on my report from one agency or another for 7-8 years. Considering this is a medical debt ( according to them as well as my credit reports ) even if it was mine, which I have no knowledge of and they have not verified and validated it is, it should only be on a credit report for 5 years ( Florida Statue of Limitations ). That alone should be enough reason to remove despite they have not verified or validated it is my debt. I believe the only way they are still collecting on it is because they keep re-aging the account and then replacing it with someone else who only sees that it's a new account and begins collection processes.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and blatantly ignored in my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

We recently applied for a home loan through Mountain West Bank on our primary residence which we own free-and-clear. We are seeking a loan of $ XXXX, and the property is appraised at $ XXXX, making the loan a 60 % LTV first mortgage. The loan would pay off ALL existing debt, including all tax debt, credit cards and vehicle loans, as well as the underlying lien on an adjacent 40 acre parcel of land we own which is currently valued at $ XXXX. ( Two immediately adjacent 20 acre parcels have sold within the last month for approximately $ XXXX each, in spite of the current state of the economy. ) We meet all of Mountain West 's credit requirements and DTI requirements and had been approved by underwriting for the loan. However, somehow Mt West wasn't aware of a private note of $ XXXX we have on the adjacent 40 acre parcel. When Mountain West discovered that we own the 40 acre adjacent parcel and intended to pay off the balance of the private note with the loan proceeds, their credit committee immediately changed the terms of our loan to encumber the primary residence PLUS the $ XXXX adjacent 40 acres. ( The loan of $ XXXX was already going to be secured by our primary residence and was only 60 % LTV of that parcel alone. ) We believe Mountain West 's new requirement of demanding $ XXXX worth of real estate as security for a $ XXXX loan is most certainly Predatory Lending. We meet all their DTI, LTV, and credit requirements WITHOUT adding additional real estate assets to the loan, and using the proceeds to pay off the land loan did not change our financial outlook in any way. In fact, it improved it. However, Mountain West saw an opportunity to take advantage of our situation, knowing that we were depending on that loan to satisfy a balloon payment on the land that is due in 3 months. 

This is profoundly disturbing, especially at a time when our country is dealing with the Covid19 pandemic. In spite of everything that is currently happening in the economy, my employment has been guaranteed by my employer and our industry is considered essential, as we XXXX XXXX XXXX to XXXX  and numerous other essential businesses. There is no concern with regard to my ability to repay the debt and it is undeniable that the loan would only increase our credit-worthiness, leaving us 100 % debt-free aside from the 1st mortgage, PLUS providing 5 months worth of cash reserves. We are firmly convinced that Mt West 's new demand is unduly burdensome,100 % unnecessary and out-of-the-ordinary due to the fact that we meet all of Mountain West 's lending guidelines. 

We would greatly appreciate your assistance in reviewing this claim ASAP. Thank you.
Product: Credit card or prepaid card

Around XX/XX/2020, I contacted Wells Fargo about trouble paying as the result of financial difficulties from COVID 19. They said they would wave my late fee 's and interest on the credit card, as well as work with me through the pandemic. They also said they would defer my payments. However, a couple of days latter, Wells Fargo reported me to the credit bureau for late payments and closed my credit card account. I called again on XX/XX/2020 and they said that deferment was suppose to happen, but no one took action on it. The person I spoke with said they are going to talk to their manager and work out the issue.
Product: Checking or savings account

on XX/XX/XXXX I received an email from Marcus- Goldman Sachs that my account was closed. It is a CD which was originally opened XX/XX/XXXX and renewed each year including XX/XX/XXXX and set to expire in XX/XX/XXXX. The original amount was {$150000.00}. It is now over $ XXXX. I immediately called the bank and asked what happened as i never made any call and did not close the XXXX. after about XXXX hours of calling and speaking to many different people finally someone told me the account was closed due to abandoned property and the money would go to the state! I was then told it would be fixed the money would be returned and my account reopened. I was told it would take XXXX to XXXX business days. I asked for a confirmation email and was told I would receive it but never did. This is a bank error and I am still so concerned about where my money is.
Product: Mortgage

i have 2 mortgages with SHELLPOINT MORTGAGE SERVICING with perfect payment history, untill covid 19 hit and i called in to seek assistance. somehow i find out mon ths later on my creit report that they are reporting me delinquent for 2 months on one of the 2 mortgages. i called in again and a second time and both times i was told that i didnt request assistance but they would apply retroactivley and retract the negatives on my credit. i did ask for assistance as evident by the help i received on the other loan. So to tell me i did not seek assitance on one while asking assistance for a second is lacking in the principle of a reasonable conversation. it never came off my credit so i assumed it was just a technicality and i contested with XX/XX/XXXX and it came back " accurate ''. the servicer knew i was impacted by covid 19, i actuallyXX/XX/XXXXand am still suffering yet they choose against the CARES ACT to punish me through there so called acurate reporting without u ndestanding at all that it was through the washington state governor stay at home order that undercut my tenants ability to pay and therby mine as well. 
If one seeks assistance and the assistance is missed but that institutions records show that ypou did seek assistnce and were impacted by covid 19 and then ask for them to correct their error and they dont, is that not the exact reason why the CARES ACT was implemented to give leeway and understanding to the chaos of the pandemic for both furnisher and consumer. 
The CFPB regulates thre FCRA, and congress passed the CARES ACT to help all of us affected by COVID 19 including your institution. I called many times immediatley and following up yet you refuse to accomodate at the time or retroactivley due to the circumstances falling upon us all. 
Covid 19 afffects all of us the CARES ACT helps all of us navigate this I had covid 19 which may impact me forever, but so will your negative credit reporting that you choose to report negative and should not have and should have already retracted. this is in violation of the CARES ACT, at least its intent as i understand it to exist to avoid this disconnect
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 1981. Account Name : 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 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, 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: Credit reporting or other personal consumer reports

Fair Credit Reporting Act states everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rightXXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX 
Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX Account : XXXX ) Has violated my rights XXXX ( XXXX  Account : XXXX ) Has violated my rights XXXX XXXX Account : XXXX Has Violated My rights XXXX XXXX XXXX Account : XXXX
Product: Vehicle loan or lease

XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX had a lien on a Mobile Home Tn Vin XXXX Title number XXXX Tennessee They went out of business without a trace Original borrower was XXXX XXXX XXXX This mobile home was paid off years ago and they never released the title This transaction is holding up two other transactions. 

I am uploading all that we have on this. But we need this title released. We need to know who is the person that is left that signs for XXXX XXXX that got bought out by Ditech Financial, LLc.
Product: Debt collection

They have called over the last XXXX days under XXXX different numbers ( The Company goes by the name Portfolio Recovery & has a history of making false debt claims ). They are not nor have ever been affiliated with the XXXX credit card companies I use ( XXXX of which is in my mother 's name. 

They have already lost in previous legal action as seen below, but continue to harass me! 

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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit file, I have noticed an error in the reporting of my XXXX XXXX Specifically, the report states that my balance was updated on XX/XX/XXXX, despite the account being charged off in XX/XX/XXXX. 

This information is incorrect because if the account was charged off in XXXX, the balance should not be continually updated as of XXXX. The continued reporting of an updated balance creates misleading and unfair damage to my credit profile. Additionally, it appears that the credit usage is listed at 124 %, which is mathematically inaccurate considering my credit limit was {$2700.00}, and my highest balance is only reported as {$3300.00}. 

I request that Experian investigate this matter and either remove or correct the inaccurate data on my credit report immediately. Please conduct a thorough review and provide me with the results of your investigation in writing.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XX/XX/2024 Fraudulent inquiry on my credit report please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all XXXX of my credit reports, My name should be reported as it reads on my Hawaii XXXX issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my XXXX, XXXX, and Equifax XXXX XXXX, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on XXXX which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all XXXX Credit Bureaus XXXX, Equifax, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX XXXX, and a Utility Bill as Proof of Identity and Residence
Product: Money transfer, virtual currency, or money service

Cash app did not provide live support to help in times or fraud or scam. As well as when money was sent to wrong individuals and no immediate customer service.
Product: Credit reporting 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 : # 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: Credit reporting or other personal consumer reports

This complaint is legitimate. My credit report contains false and inaccurate information, causing unnecessary stress and has been negatively impacting my life and my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX NO XXXX FOR THE LAW FIRM XXXX, XXXX XXXX XXXX XXXX AND EQUIFAX CREDIT BUREAU ARE WRONGFULLY DISPLAYING ACCOUNT NO. XXXX ON MY CREDIT REPORT.BOTH THE BUREAU AND THE ATTORNEY VIOLATE THE BLACK LETTER LAW OF THE FAIR CREDIT REPORTING ACT, AN OFFENSE THAT CARRIES STATUTORY DAMAGES FOR EACH OFFENSE OF FALSE INFORMATION VERIFICATION. 
The proof is attached proving RE-AGING of this account.The reported Date of FIRST DELINQUENCY should match the date that the rent was 30 days late ( the rent is the debt that is being collected along with interest and fees ) .The judgement relating to the delinquent rent was filed in XX/XX/2013.The rent itself was late several months prior. 
In no case can the DOFD BE INTERPRETED AS XX/XX/2013, AS EQUIFAX reports. 
THIS VIOLATION CARRIES XXXX DAMAGES PER FALSE VERIFICATION. 
ANY ATTEMPT TO FURTHER COLLECT THIS DEBT WILL BE OFFSET BY CROSS-ACTION IN COURT for credit damage penalties due. 
HOWEVER, THE ACCOUNT SHOULD BE DELETED NOW FOR FALSE, CONTINUOUS VERIFICATIONS OF DOFD SINCE IT'S FIRST APPEARANCE ON THE CREDIT REPORT. 
OFFICERS OF THE COURT HAVE A HIGHER STANDARD OF EXPERTISE REQUIRED REGARDING THEIR LEGAL WORK.IT IS A PROBABLE COURT AWARD OF {$20.00}. OR MORE WHEN THE CREDIT DAMAGE CASE GETS TO COURT ONE WAY OR ANOTHER. 
I WILL SUE EQUIFAX AS WELL ... .SAME STATUTE IF THEY IGNORE THE EVIDENCE OF XXXX XXXX FRAUD, SUBMITTED TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have 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 that a consumer reporting agency can not furnish an account without my written instructions
Product: Consumer Loan

To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now XXXX!
Product: Bank account or service

My credit card erroneously debited my bank account ( PNC Bank ) for the entire card balance instead of the payment submitted. There were insufficient funds to cover the payment, which was XXXX my bank balance. PNC Bank approved the charge, adding overdraft fees and leaving me $ XXXX overdrawn, with my rent and bills STILL DUE. 

The credit card company, XXXX, is refunding my account - but the transaction should have been declined by PNC Bank in the first place, because now I will have late payment charges for my rent and other bills since that process takes 5 days. 

This should never have occurred in the first place. The charge should have been declined for insufficient funds, leaving my bank balance intact.
Product: Mortgage

My loan was purchased from XXXX in XXXX XXXX. I was asked to setup an automatic payment for {$1100.00} to loan, XXXX with XXXX XXXX XXXX. Nationstar used a canceled check and made another request to XXXX XXXX XXXX to loan XXXX for {$1000.00} that I did not know about. Payments for XXXX continued from XXXX/XXXX/XXXX for XXXX payments stoping XXXX/XXXX/XXXX for a total {$9000.00}. All the while the other loan account was removing funds for {$1000.00} starting XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I found out that the account requested was not even a real account when I questioned Nationstar customer service. 
All I asked for was a refund of the funds from the non-existing account totaling {$9000.00} and leave my " real '' account # XXXX alone with auto-daft for payments. 
What has occurred, NationStar has sent a check for {$8800.00} saying that is all they owe me from the non-existing account XXXX. Also, someone from NationStar dropped XXXX ( XXXX ) payments from my real account XXXX from XXXX XXXX, XXXX XXXX and XXXX XXXX, then placed my account in default. This actions was just before the holidays in XXXX XXXX. 
Now I can not get return calls and we are totaling what is owed now at {$12000.00} to me. 
I have taken my personal funds and brought my true account paid thru XXXX XXXX, but I can not set a auto payment until this problem by NationStar is completed. I will not accept the check, since it is far from what is owed. 
XXXX XXXX XXXX is tops on my list! They have stepped forward and helped me, but even they can not get satisfaction, even after sending all documents requested. 
Further, NationStar says they refunding funds ... but neither my account reflects nor does XXXX XXXX XXXX show receipt. NationStar will not send confirmation that funds were reversed but insist that they were sent. 
This has been going on since XXXX XXXX by me and XXXX XXXX XXXX. We can not get resolution, or now can not even get a call back. 
You help will be appreciated. 

XXXX XXXX, XXXX ( XXXX )