23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Carrington Mortgage, during XXXX, when the CARES Act came about, I received a forbearance like so many others. I was told that before the end of the forbearance someone would reach out to me and go over the different options available to me regarding going back into payment status but most likely I would be able to get a loan modification and have lower payments. However, that is not what happened, no one reached out to me and no one went over the different options available to me. There was a $ XXXX payment made in XX/XX/2022 that was returned, that they would not accept, because it was not the full amount that was due although I was advised to make any payment I could if possible. I then went into repayment status XX/XX/2022, and all the funds were due in XXXX and by XXXX I was served with foreclosure papers. After calling, I was advised the only option I had was to do a quick sale of my home or the home will be foreclosed on. I was never offered any lower payments and during the forbearance period, the credit bureaus received late payment notices and it was reported that my home was in a preforeclosure status. I was able to receive assistance from the Homeowner Assistance Fund ( HAF ) which caught me up on my payments, but late payments that should not have been applied were and have been paid. I still have not been offered lower payment or any assistance from Carrington.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with JEFFERSON CAPITAL LL.

I do not have a contract with JEFFERSON CAPITAL LL.

They did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} DEPTEDXXXX  XXXXXXXX Balance Owed : {$720.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed XXXX {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX PM XXXX Balance Owed : {$12000.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

SYNDICATED OFFICE SYSTEMS IS REPORTING XXXX COLLECTION ACCOUNTS. CENTRAL FINANCIAL CONTROL IS REPORTING THE SAME XXXX COLLECTION ACCOUNTS. THIS DOUBLE ATTEMPT TO COLLECT ON XXXX ACCOUNTS LOOKS LIKE THERE ARE XXXX OPEN ACCOUNTS. THEY NEED TO DELETE XXXX OF THE SET OF XXXX. EITHER SYNDICATED OR XXXX NEEDS TO REMOVE THEIR ENTRIES.
Product: Credit reporting or other personal consumer reports

I have been struggling with getting my loan approvals because of these inaccuracies on my report and it has come to a point where I have to send out this complaint after being ignored by your company for the past XXXX months. I am in deep stress and i can not reiterate enough that these accounts are affecting my score and i need them removed immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A check was issued to me from cpfb for XXXX XXXX to my old address XXXX XXXX XXXX XXXX XXXX Indiana XXXX I have lived there in over XXXX years I've emailed you all to reissue my check with my correct information and no one is responding my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting

Trans Union had a computer breach in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). I have been gravely affected and my credit score is suffering as a results. The computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week all of the inquiries were re-inserted to my credit report without prior written authorization and are in direct violation of section 611 of the fair credit reporting act. I have spoken with a rep at Trans Union who acknowledged that the security breach happened but they refuse to fix the error on my credit report. I am requesting that the following reinserted inquires be removed immediately : 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 XXXX XXXX XX/XX/XXXX CAP XXXX Inquiry XX/XX/XXXX XXXX CARD Inquiry XX/XX/XXXX
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, Experian, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1400.00}. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1000.00}. 
Account Name XXXX XXXX XXXX XXXX 
Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$810.00}. 

Account Name XXXX. 

Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1600.00}.
Product: Credit card

First Bankcard froze my credit card without notifying me alleging late payment which included a recurring payment to XXXX XXXX that I had specifically told First Bankcard was not valid. As a consequence, my truck repair could not be paid using the First Bankcard and I am on foot in XXXX, Colorado without access to medical care. First Bankcard customer service told me I had to call XXXX to cancel my account which I had already sent a written response to XXXX at the XXXX XXXX address. My credit available showing is well over {$4000.00} but my credit card was frozen for {$45.00}, which I paid electronically today. Despite that payment, First Bankcard is unwilling to unfreeze my credit card until midnight tonight. I can not get my truck until tomorrow which puts me in hardship and I now have an XXXX in my foot which requires medical attention.
Product: Checking or savings account

My account was locked on XX/XX/XXXX with no notice or explanation. I have contacted customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also went to a local branch on XX/XX/XXXX and spoke to a branch manager and no one has been able to tell me why my account is locked. I dont have access to my account and have been restricted from even being able to withdraw funds at the local branch
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,  FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making into my XXXX  EXPERIAN credit report. This is also a formal demand for you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you have any document that you believe authorizes you or your organization to make the aforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of It be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I 'm sure that you 'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. Thank you. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Product: Checking or savings account

I was trying to link my external bank account ( XXXX XXXX account - checking account ) with my Ally Bank account in my Ally online account. However, Ally system kept returning with error message indicating that my XXXX XXXX account ownership can not be verified. Normally it should initiate two trial deposits. However, Ally system didn't provide two trial deposits option at all. But instead, it simply declined my XXXX XXXX account and didn't let me link it. 

I called Ally Bank customer service but still this issue was not resolved yet. Ally customer service representative told me that they have reported this issue to the back office for a resolution. Meantime, they gave me a reference # for this case and the reference # is XXXX. 

I request Ally Bank back office to link my XXXX XXXX checking account with my Ally account immediately. Also I request Ally Bank representative to call me and let me know the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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
Product: Credit card

I opened a Bank of America Customized Cash Rewards credit card. The company does not allow you to set up autopay or pay your credit card bill online without a checking account. To open a checking account, I must enroll in direct deposit or maintain a minimum balance of {$1500.00} ( for the Advantage Plus account, the lowest option assuming one is not a student or under XXXX  ). My complaint is that commonly accepted payment methods such as autopay or online payments are directly linked to opening a checking account. This was NOT disclosed in the terms and conditions during the application process or in the cardholder agreement. This is an underhand way to charge credit card customers with an existing primary banking relationship a {$1500.00} fee for using the credit card. Additionally, the {$1500.00} minimum checking account balance accrues no interest which creates an opportunity cost ( XXXX is currently at 5.31 % ). Bank of America has a clear incentive to undertake this scheme. The company is experiencing higher deposit costs and deposit outflows amidst rising competition from alternatives such as Money Market Funds, High Yield Savings Accounts, and Treasury Bills. Non-interest bearing deposits are Bank of America 's cheapest form of funding. The more customers it can force to open non-interest bearing checking accounts, the better the company 's financial performance will be.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  XXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Mortgage

I am the Independent Executor for the estate of my sister who passed in XX/XX/XXXX. Before her passing, we had a conversation in which she communicated her efforts to secure a loan in XXXX refinance credit card debt amounting to {$34000.00} through securing a mortgage on her inherited property which contained no mortgage. Chase Bank informed her they were unable to make a mortgage Ioan for that small amount, and the loan must be for the amount of {$72000.00}. Upon closing, and after all fees, the amount of {$30000.00} indicated as " To Borrower '' was retained by the bank and applied to the principal of the loan. Shortly before her passing, due to her illness, she moved out of state to be close to her son. Her will designated me as her executor, however, due to COVID, it took until XX/XX/XXXX before the court made the final official appointment. During the process of clearing the home. reviewing available papers and executing the orders of the will, a second sister, out of town, received a Mortgage Foreclosure Notice, which she forwarded to me. I immediately made efforts to contact the bank to introduce myself as the executor of the estate and to secure a payoff balance on the loan. I have made no fewer than five attempts, and have been promised as many times that the information requested would be sent to me. My intension upon receipt is to negotiate the balance of some {$45000.00} plus, based upon its previous predatory lending practice as it relates to this loan ; contacts to bank : XX/XX/XXXX, spoke with XXXX who transferred me to Life Events Dept ; XXXX in Life Events requested I fax death certificate and letter of appointment, indicating it would take 3-5 days for update and authorization. I faxed requested information that day. XX/XX/XXXX, spoke with XXXXdoes not see anything being received, suggested I resend and possible visit a bank branch-resent. XX/XX/XXXX, spoke with XXXX, again no receipt; visited branch and had faxed ; branch indicated documents should be received in 15 minutes but would take 24 hrs to update. XX/XX/XXXX, spoke with XXXX, balance is {$45000.00}, but does not include attorney fees and forced placed insurance, will send payoff balance information to my address-never received. XX/XX/XXXX, received a call from XXXX, with visit to a previous home address at XXXX PM on a Sunday afternoon. XX/XX/XXXX, spoke with XXXX at bank, she indicated phone number provided by XXXX was not a bank phone number, nor would the bank send anyone out, suggested I not talk with XXXX. XXXX indicated payoff letter had been " executed ' and should go out soon. XX/XX/XXXX, spoke with XXXX, letter has not gone out, but will go out to me today and I should receive in XXXX days. XX/XX/XXXX, attorney for the estate appeared in court on my behalf, no appearance by the bank. XX/XX/XXXX, spoke with XXXX, letter mailed to Indiana address, he took my email, and he would email the document to me directly which I should receive no later than the next day. I have not received the payoff documentation as of this writing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of XXXX XXXX XXXX listed on my credit report. After thoroughly reviewing the information provided by XXXX XXXX XXXX, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year a user online agreed to sell an anime figure to me. After XXXX weeks of asking for an update, I got ignored and when i asked for a refund I was blocked on every social media platform from them. I reported it to my bank but 90 days later they decided to side with the " merchant. '' When I asked who was the merchant, paypal or the scammer the bank insisted they didn't know, and took back my credited money.
Product: Debt collection

I was contacted by I.Q. Data International on XX/XX/20 who was attempting to collect a false debt from me. This company accepted contract to represent their client XXXX  at XXXX XXXX XXXX XXXX XXXX Landlord ) to collect a debt that I did not owe. I.Q. Data International accepted this contract by their client even after their client violated Florida Statue 83.14. Now I.D Data International violated the Federal Fair Debt Collection Act. This company has called my work phone and disrupted my family time to collect a debt that I did not even owe. Their representatives were rude and condescending when I tried to get information about the debt they were trig to collect. In the end I had to follow their rules and send in a written request to see what the debt was for. The company never respond to my request which was received by them on XX/XX/20 at XXXX via certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) .Further on XX/XX/20 I retained a lawyer XXXX XXXX XXXX XXXX to also sent a letter to resolve this mater and not further effect my good credit. I. Q. Data also did not respond to my attorney. All documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : 1. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 2. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX 3. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX 4. XXXX XXXX OPEN DATE : XX/XX/XXXX 5. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 6. XXXX XXXX OPEN DATE : XX/XX/XXXX 7. XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX 8. XXXX  XXXX OPEN DATE : XX/XX/XXXX. XXXX
Product: Vehicle loan or lease

I bought a truck from XXXX XXXX in XXXX FL, and canceled the extended warranty. They havent returned my calls, e-mails, and havent returned the money to my finance company so that I can refinance the loan. The amount to be returned is over {$7000.00}. XXXX give exact amounts upon request.
Product: Vehicle loan or lease

WELLSFARGODEALERSVCS CLOSED XX/XX/2018 WITH A {$3100.00} AMOUNT THIS IS IMPOSSIBLE DUE TO IT 100 % PAID OFF