23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer Caliber home loans ( loan # XXXX ) received a check from the HAF program ( application # XXXX ) in the amount of {$17000.00} on XX/XX/XXXX. I confirmed this with XXXX ( XXXX XXXX XXXXXXXX ) at Caliber on XX/XX/2022. As of today the funds still have not been posted to my account. My loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX and the past due balance is over {$18000.00} now. This is impacting my credit, Caliber has had people out inspecting the inside and outside of my home because my mortgage is in default. I have been calling Caliber home loans twice a month for 5 months trying to get this corrected and every time I call I get a new excuse. Please help.
Product: Credit reporting

I have XXXX judgments listed on my CR with Equifax. I was involved in a lawsuit that involved Equifax reporting judgments from Virginia XXXX inaccurately/ The judge ordered that Equifax completely REMOVE these items completely. My first dispute they updated them all to Satisfied. Then I sent the court order and settlement documents from court in and they still refused to removed these items all which were paid and vacated. So I disputed them again and they changed the satisfied to Pending UNpaid. I tried calling and the lady was rude and unhelpful. Furthermore Equifax lowered my score cause I kept disputing. I have a court order for these XXXX judgments to be removed and they wo n't do it. I had no problem with XXXX and they deleted them within 3 days. Equifax is not following judges order for deletion which is why they were sued to begin with due to improper reporting. These judgments have greatly affected my scores and caused me to be denied on a mortgage I would have been approved for if those judgments were gone. I faxed them over XXXX pages of documents and they now reported it negative again. What can I do? My disputes as follows XXXX XXXX XXXX XXXX This is ridiculous and their stupidity caused me to lose my home buying power.
Product: Debt collection

To whom it may concern, A collector ( Midland Credit Management ) called my employer to reach me regarding a credit card debt. 

Date : XX/XX/2020 Amount : Not disclosed Action : Representative marked the call as solicitation.
Product: Credit reporting or other personal consumer reports

These are the account that I found to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX.  I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by  contract with the original creditor.
Product: Credit card or prepaid card

this deals with my synchorny XXXX XXXX XXXX card. i never dispute. but i was overcharged on XX/XX/XXXX by XXXX. by XXXX dollars i have called them no response written i called the bank yesteray XX/XX/XXXXno response she was nasty i did not know it then but XXXX overcharged me for train tickets. they should have been XXXX each times 2 they overcharged me by XXXX by mistake whatever i did contact them and the bank i need the money back please from XX/XX/XXXX XXXX dollar charge please. this is on synchorny card XXXX XXXX XXXX
Product: Debt collection

TALKED TO SOMEONE IN PRO-COLLECT ABOUT ACCOUNT, WAS TOLD TO SEND BALANCE TO COVER OUTSTANDING DEBT AND IT WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS, I SENT CHECK OF {$75.00} WROTE OF CHECK ALSO AFTER SPEAKING WITH CSR THAT IT WILL BE REMOVED " BY CASHING THIS CHECK YOU ARE AGREEING TO REMOVE ACCOUNT FROM ALL THREE CREDIT BUREAUS. CHECK WAS CASHED ONXX/XX/XXXX. ON XX/XX/XXXX I SPOKE WITH A XXXX XXXX AND SHE STATED THEY DO N'T REMOVE ACCOUNTS, AS OF XX/XX/XXXX THE ACCOUNT WAS N'T REMOVED NOR WAS IT UPDATED OR ANYTHING.
Product: Debt collection

I received up to nine calls from this company between XX/XX/year> and XX/XX/year> after I told them during the first call on XX/XX/XXXX that they needed to stop contacting me. As soon as I picked up the phone when they called they started to demand personal information from me and refused to identify themselves or what they call was regarding. When I would hang up and call them back to see who they are I was met with the same inappropriate conduct. After researching the phone number I learned that they are a debt buying agency but they refuse to admit to that on the phone. I refused to provide my name or information and told them to remove my phone number from their database and to quit calling me. Their representatives would argue with me and try to manipulate me in to giving them information until I told them I know my FDCPA rights, that I am not obligated to enter in to any contracts with unknown third parties, and that they have to cease contacting me at my request.
Product: Checking or savings account

I had an account with wellsfargo in XXXX and i closed it down because my account would over draft for any type of fee.
Product: Debt collection

I received a text from XXXX stating " XXXX, your account with XXXX XXXX XXXX  for {$1200.00} in now with XXXX XXXX Debt collector. We can help resolve the acct. Call XXXX. For more important info or to pay : XXXX # of acct related Msgs mary vary. to Optout txt STOP '' I have called all my medical providers and they do not see this charge at all or none the less being sent to a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all the fraudulent inquiries on my report effective immediately and they include, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX XXXX XXXXXXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX ON XX/XX/2023, XXXX XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

See the document that I will be attaching, this is regarding these accounts that are not mine and I want these to be removed.
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 XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX regarding a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This company improperly reopened a collection account on my credit report that had been marked as closed, without a lawful basis. This action has caused unnecessary distress and potential harm to my creditworthiness. 

Details of the Incident : XXXX. The collection account managed by XXXX XXXX XXXX XXXX  was marked as closed on or around XX/XX/XXXX. 
XXXX. On XX/XX/XXXX, almost a year later, XXXX XXXX XXXXXXXX XXXX reopened the account and reported new activity, despite the debt not being sold, transferred, or otherwise reactivated through my actions. 
XXXX. I was not provided any prior notification or explanation for reopening this account, which I believe to be improper and potentially unlawful. 

Violations : FCRA : XXXX inaccurate and misleading information on my credit report. 
FDCPA : Engaging in deceptive or unfair practices by altering the status of a closed account without a valid or lawful reason. 

Impact : The reopening of this account has negatively impacted my XXXX XXXX, caused unnecessary confusion about the status of the alleged debt, and resulted in emotional distress. I have made no agreements or transactions that would justify this action. 

Additionally, I am considering legal action for these violations, and I would appreciate your guidance on how to proceed. 

I have attached copies of my credit report showing the changes in the account status and any relevant correspondence with XXXX XXXX XXXX XXXX. Please let me know if additional information is required. 

Thank you for your time and assistance. I trust that your investigation will help resolve this matter and hold XXXX XXXX XXXXXXXX XXXX accountable for their actions.
Product: Student loan

I have been trying without success for months to get Navient to work with me ony student loan. I went into a payment agreement which I informed the representative, I really could not afford because of the amount they were requiring me to pay. The representative stated their was nothing else she could do, even after speaking to a manager. It's like they want to see you fail at making payments to them. The representative then made me be signed up for debits to automatically be taken out of my account. As I informed them and suspected would happen, one payment was returned and they stated the whole agreement was null and void. They still would take money from my  account per the agreement but it will show negative on my credit report. How do they expect people to get better jobs if they keep making negative hits on reports and don't work with the borrowers income? The loan is XXXX due and I have XXXX dollars being taken out of my account every two weeks. Which is a struggle, the loan number is XXXX XXXX XXXX XXXX. The loan was for the University of XXXX XXXX in XX/XX/2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

Hello! 

From my understanding when a mortgage loan reaches 78 % of the value of the original purchasing price, the mortgage service is required to remove the PMI. I have reached out to me mortgage company ( Freedom Mortgage ) and then stated that I need to have a written request as well as an appraisal. My understanding was that none of this is needed once the loan reaches 78 %, that that information is if you are requesting PMI waiver at 80 %. 

Please let me know if they are wrong or if I am wrong. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Called my home on a false debt. Debt was incurred either by identity theft or fraud, I dont which. The debt was incurred over 27 years ago according to the Convergent agent. I was not informed about the place of the original debt nor of the company name. Convergent has not released the address nor location of the person receiving the loan or service. 

I am XXXX XXXX XXXX and my XXXX XXXX XXXX, but during that time ALL my bills were paid on time with no delinquencies. I XXXX XXXX XXXXXXXX XXXX XXXX and had less than 6 days a year at home for personal time off from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report number, XXXX I have asked Experian multiple times to verify their methods of how they verified my accounts and every time they send me a letter that they have verified the accounts. 
I have asked specific questions of whom did they speak with? When did they call and whom supplied the information along with other questions to verify that they are actually verifying these accounts. 
For over 60 days they have not responded to my request to supply the information. Now I am no longer confident that Experian is legally verifying my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Product: Credit card or prepaid card

I applied for the Chase Amazon credit card. They required income verification. I spoke with Chase and sent via docu-sign my W-2. Chase declined my application. I contacted them. They said they were looking for unemployment income verification - I have never been unemployed. I re-explained and was supposed to receive a second docu-sign link. Never received it. Called them again and was bounced around 6 different " teams. '' All with waiting times. I filed a complained with XXXX  on XX/XX/21. Chase reached out to me and was unable to find my application based on my social security number - I did not have the " reference '' number on their original request for additional information.

A few days/a week or so later, I was told that my W2 showed income {$1000.00} higher than what I put on my application and since the amounts didn't match, they denied my application; this is odd, as they " couldn't find it before, '' and never even gave me an opportunity to increase the income noted on my application. They then said too much time had passed and I would have to " re-apply '' for them to consider anything again. They never gave me an opportunity to correct that figure. In fact, my income was under-stated which seems like less of a reason to deny an application. Chase called me today, XX/XX/21 after I tried to initiate arbitration with XXXX  and they pretty much just told me that they're not doing anything since too much time has passed, but I can be " re-directed '' to the lending " team. '' I have never been required to have W-2 income match any credit cared application I have submitted to the XXXX. This seems like an abusive practice to lure in lower income people less able to pay their credit card bills ( I have never made a late payment on any credit card and pay my balances every month on all but one ) so they can get their interest payments from consumers.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding the investigation results I received from TransUnion on XX/XX/year>, in response to my dispute of the XXXX XXXX XXXX XXXX  account, which lists a balance of {$1400.00}, reported on XX/XX/year>. Despite the investigation, TransUnion has only updated the account without removing it. This action is inadequate, as XXXX XXXX XXXX has not provided any verification of an assignment or transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or from any other original creditor. Additionally, my TransUnion credit report shows that no balance is owed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, I have no creditor relationship with XXXX XXXX XXXX, further making this reporting inaccurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a full and proper reinvestigation of disputed information. XXXX XXXX XXXX has failed to produce evidence to substantiate the validity of the debt, and therefore the account must be removed. Furthermore, under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers of information, such as XXXX XXXX XXXX, are required to correct any inaccurate information during a dispute investigation. Without proper verification, continuing to report this collection account violates my rights under the FCRA. In addition, FCRA 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies, including TransUnion, must ensure maximum possible accuracy in the information they report. The conflicting information between the balance reported by XXXX XXXX XXXX and the lack of any balance owed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX directly violates this standard. Moreover, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, XXXX XXXX XXXX is prohibited from reporting false or misleading information, and the absence of assignment or transfer documentation from the original creditor further invalidates their claim. Based on these violations of the FCRA and FDCPA, I request that the XXXX XXXX XXXX collection account be removed from my TransUnion credit report immediately. Additionally, I request written confirmation once the account has been deleted to ensure my credit report accurately reflects my financial standing. Failure to comply with these statutes violates my rights under federal law, and I am prepared to pursue further action if necessary.
Product: Credit reporting, credit repair services, 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, RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Vehicle loan or lease

I had a refinanced loan with Wells Fargo around XXXX for my XXXX XXXX XXXX under my maiden na.e XXXX XXXX. They made it very hard for me to pay my loan. I had an account with them so I could pay my loan but they kept closing it if it were under a certain amount but that's because I only used it to out the car payment in so that I could then transfer it to pay my loan. Because of this I could only pay by walking in to the bank or mailing a check. 
I then was behind a payment for 30 days but under 60 and a man showed up at my apartment looking for me. He told my roommate he was law enforcement and when my friend asked for a name and badge number he wouldn't give it. I had my boyfriend who was a lawyer look into this and he stated there was nothing on file for me. When I called Wells Fargo about my account they said they've been trying to reach me and even sent someone out to do a courtesy check to make sure I was getting my statements. Which it is completely illegal to impersonate law enforcement. I then traded my car in XXXX and swore never to deal with Wells Fargo ago.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Charge-Off XXXX XXXX XXXX Account Number : XXXX .... 

Account charged off. {$98.00} written off. {$98.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX XXXX charge-off. Remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.
Product: Debt collection

I am currently having difficulties with XXXX my previous internet provider. I switched over to XXXX for internet on XX/XX/XXXX and called XXXX the XXXX to cancel the service after paying what I owed. I was told by a representative that I have nothing to worry about and that everything was taken care of. Fast forward today my account is now in collections with a balance of {$130.00} and no one can explain to me why. When I contact XXXX I get a run-around and I am told all is well, when in fact I am now getting collection notices.
Product: Debt collection

The debt had been settled back in XX/XX/2015. I had a cell phone with XXXX that was retirned. The only one I had left i paid my bill as normal, then switch to another company XXXX and have been with them ever since. It showed up on my report after I filed for bankruptcy. It was put in XX/XX/XXXX. They are steady try to collect on something that is uncollectible
Product: Checking or savings account

XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} USAA can not tell me anything about these transmissions or where they went. These transfers were authorized by USAA with only {$270.00} in my account to begin with. As a result my acct has been closed and USAA has taken another VA XXXX check from me to off set the negative balance. I am now XXXX, no longer have a job, unable to purchase the meds I require for my mental illness and have ultimately destroyed my life in the process. With absolutely no evidence of wrong doing on my part.