23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX we closed refinancing our home mortgage and the funds were transferred to our old mortgage company, Ally Bank. On XXXX I discovered that Ally Bank was not showing the mortgage paid off. I then began reaching out to both companies to get it resolved. Through calls they have confirmed for me they received the funds but they were not applied correctly to my mortgage due to the an error in the wire transfer not including the account number in the routing number. On asking what needed to be done to fixed told it would not be a problem to correct. Two weeks later and many phone calls I continue to be told the right people are working on it but no one can provide me time table to resolution or any clear next steps when to expect progress on correcting the issue. I have included below a summary as best I recall of the activities. Until the last few days I was not keeping the log real time so some dates may be in error but it is very close to the activity. Will also attach the wire transfer confirmation that was sent on XX/XX/XXXX to Ally Bank. 

Called on XXXX to see why loan not payed off, was told not received and to reach out to new lender. 
On XX/XX/XXXX got wire confirmation from new lender. 
Called back to Ally and explained have the wire confirmation. Was given email to send it to and told they would correct. Sent payoff information as advised on XX/XX/XXXX including PDF of wire transfer confirmation Believe on XX/XX/XXXX reached, Be (? ), was most helpful who finally determined issue. The routing number for the wire was wrong so they received the funds but it did not route to my mortgage correctley Told escalated to her supervisor and to payoffs supervisor. 
Multiple calls ever ~2 days always told in good hands and being worked. Did not document these well. 
On XX/XX/XXXX talked to XXXX, again confirmed the transfer was received but had account number wrong. Was sending again to payoff department, committed to call me back within a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX  but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
Product: Credit card or prepaid card

Attached I have XXXX card statements from my Capital One card. Each statement says XXXX points earned. I spent around {$2100.00} and {$80.00} and {$650.00} the last XXXX months. XXXX total points were given on each. However I should receive XXXX point per dollar spent. I am owed XXXX points. 

Additionally, I reviewed my past year and you are to get double points on fast food restaurants. From XX/XX/XXXX2018 to XX/XX/XXXX2019 my family had {$1600.00} in purchases that qualify for double points. 

Capital one told me they are aware of the issues last year and are working to correct. However, the issues werent corrected and the points earned arent showing up.
Product: Debt collection

Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Given the current economic challenges we face, I can not afford to have incorrect data negatively impacting my credit score. I will anticipate receiving an updated copy of my credit report reflecting these corrections within thirty ( 30 ) days. The following is the error that I have identified : 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. Please delete these accounts from my credit profile ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in several disputes in regards to the method of verification and the validity of several accounts as it pertains to my credit report and they have in fact violated several of my rights. 
On 12/28/2021 I sent a letter to the credit reporting agencies asking them per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Under the doctrine of Estoppel by Silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. It has been well over 30 days as my last letter was sent certified on XX/XX/2021, with a signature receipt. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment XXXX XXXX ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. They are also in violation of FCRA 623 ( b ) Furnishers Investigation of Disputes filed with the CRA 's. 

I would like to also seek damages under the CFPB Regulation V. Federal law ( 15 USC 14, seq, et ) requires that they respond within 30 day, and they have failed to do so, this a blatant and objectionable disregard of the law. 

I have attached multiple exhibits that further help my case as they have violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Cares Act I needed to do a Mortgage forbearance due to loss of income due to covid-19. I was approved for a 90 day mortgage Forbearance. I paid 30 day and only needed a Forbearance for 60 days two months. As my forbearance ended XX/XX/2020 it was immediately reported to my Credit agency as being Delinquent and over 60 days past due. Which caused over 85 points to drop on my credit score. Now putting me at risk for not getting the proper credit needed. I even called the mortgage company at the end of XXXX to see how I will pay back the 60 days I owed and was told the results will be mailed out to me. And to continue paying my current payments which is after the forbearance which I did. This is a violation to the Cares act put into place to help People like myself who was trying to keep a roof over there family during these hard times.
Product: Credit reporting or other personal consumer reports

Eqifax TransUnion and Experian had removed XXXX XXXX XXXX  off my credit report which is a fraudulent account and not even a week later the account has been placed right back on my report Im so frustrated with dealing with this and Im getting nowhere the account is a charge off account and the balance on the account is XXXX dollars I want this account removed right back of my credit file permanently the confirmation number is XXXXThank you my name is XXXX XXXX my date of birth is XX/XX/XXXX last XXXX digits of my social security number is XXXX my phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file this complaint because on XX/XX/2024, I mailed a notice of dispute to BRIDGECREST in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of 2 days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).
Product: Debt collection

I was notified by this Third Party namely Glasser and Glasser P.L.C of a CIVIL CLAIM FOR MONEY regarding a WARRANT IN DEBT. I replied to this Third Party and never got response from them and now they have submitted this Warrant in Debt with a Civil Claim for this Alleged Debt.
Product: Mortgage

Back in XX/XX/2022, I had specifically asked PennyMac Mortgage to make a payment arrangement on my mortgage. I needed an extra week to pay my mortgage due to repairs needed on my automobile which placed me into a financial deficit. I asked the mortgage company if the arrangement would effect my credit score and if so by how many points? In response their rep said, " I don't know for sure, but we can make the arrangement. '' Also, this has effected my wife 's credit score drastically too because we are joint owners of the mortgage. My payment was on time, however, it cleared 3 days past my due date. I called PennyMac and management said they would work with me, but they said they couldn't remove it from my account. They told me to put in reports to the XXXX credit bureaus. XXXX didn't record the payment as late since it was only 33 days, but XXXX and XXXX would not. I talked to their reps and they told me to call back PennyMac. It's been a XXXX " cat-n-mouse '' and I started to give up, until I was made aware of CFPB via online searching. Before XXXX I had NOT missed a single payment with PennyMac and came through on my end of the agreement. I haven't asked for CARES Act assistance nor did I file for foreclosure because I didn't need any just a once off occurrence in XXXX. This one incident has crippled my credit and I may need to purchase a new car sooner than later, but this 30 day late payment on my credit has hurt. Can't build and make solid credit based consumer purchases with this on my credit report. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts! 
In accordance with the Fair Credit Reporting art The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
1.70 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 an account without my written instructions 15 U.S.C 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the followin items of information Any other adverse item of information, other than records of convictions of s 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
Product: Debt collection

they keep saying its verified i do n't owe this company i have no contract with them
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished.
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


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

I inquired about the verification process of my public records on my credit report because I am a victim of the data breach. Both transunion and equifax stated that they verified through the courts clerk. I messaged the courts clerk and they assured that they DO NOT provide any information to the credit bureaus, which makes both investigations from the bureaus false and unauthorized verification investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 



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

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 ; States a consumer reporting agency can not furnish an 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 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

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed it. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I spoke with this company and they are aware that I did not open the account because I never received the credit card. This is under fraud alert
Product: Debt collection

I have notified this company and all three credit bureaus and XXXX XXXX that this collection is the result of fraud. Each time I have requested information that would validate the debt, I have recieved information that was previously stolen and the result of ID theft. I notified the company and provided documents supporting this. Today, XX/XX/XXXX I called to offer a " pay to remove '' reconciliation as this matter is costing me financial damages and is a violation of my civil rights and again the company stated they would not comply but would instead put " PAID IN FULL '' which is invalid as this is a disputed account and has been since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete this account : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I first met XXXX XXXX on a social meeting site, XX/XX/XXXX Thursday, user handle name XXXX She immediately asked what I did for a living, I asked the same question, which she replied back stating being an XXXX of a cosmetic shop, a XXXX to modeling companies, makeup goods She was born in XXXX, moved to the XXXX when XXXX XXXX XXXX, her father is from Florida, her mom from XXXX She asked if I rent a place to live or do I own a residence I asked if we could meet for lunch and a movie She replied back that she was in Kansas to acquire goods from the clearing agent from XXXX and supply a modeling company in Kansas She said she is a XXXX who works with XXXX XXXX in NY, which she acquired a contract with them to supply them with makeup artist cosmetics The large wire transfer payments were sent on XX/XX/XXXX and XX/XX/XXXX to purchase goods in order to fulfill 45 clients. These payment needed to be paid before receiving commission on the contract In return a commission payment she would receive once fulfilling a contract with the modeling company to supply cosmetic goods Smaller payments made thru paypal made were to workers she hired for logistics on the cosmetic supplies As my knowledge with communicating with XXXX, I still have not seen or received any payment back, I truly believe that a commission payment is non-existence
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of them, and the company conducted them without my permission.
Product: Debt collection

XXXX XXXX # XXXX Date open XXXX Balance update XXXX This debt collector has not provided me proper debt validation for this allege debt.