23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in difficult situation to make payment due XXXX  of my father during XXXX, my spouse and daughter got XXXX, my other daughter underwent major back XXXX, I lost my job and I had a separation. I resumed work but my past due was {$10000.00}. I applied for hardship after resumming to employment on XXXX. However the morgage denied me all loss mitigation optins. on XXXX I appealed they morgage company gave assurance to review. I did another modification application. While review was on the foreclosed my home. gave me a total of XXXX to pay from XX/XX/XXXX to XX/XX/XXXX as per our conversation during the sale date. However they declined the payment and demanded {$360000.00}. when requesting the exact amount the lawyer office gave {$380000.00} a week to my the redemption date endbut were not sure. I went to sherrif office they returned to the morgage company since the had no amount at that moment. However after redemption the morgage bank was not able to give the amount until XX/XX/XXXX they told me to pay {$370000.00} or leave the property. 
I really need a mediation to reinstate my home. iam able to make payment. I can reinstate my loan. iam losing my home due miscommunication between me and the morgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

no known knowledge of any account, i do not have an account contract or agreement with this company Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$590.00} Responsibility Undesignated Times XX/XX/XXXX Days Late XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate debt reported on my credit file. The debt in question is from Barclays Bank Delaware, in the amount of {$5800.00}. This debt is inaccurately reported, and under my rights as a consumer per the Fair Credit Reporting Act ( FCRA ), I am demanding its immediate and permanent removal from my credit report. 
As outlined in 15 U.S. Code 1681o, credit reporting agencies are required to maintain accurate and verifiable records. Since this debt is inaccurate, its continued presence on my credit report constitutes negligence on your part and has directly caused harm by leading to the denial of loans, credit cards, and other financial opportunities. This is a violation of my consumer rights, and I am holding your agency accountable for this unlawful reporting. 
Additionally, recent lawsuits have reinforced the obligation of credit bureaus to remove unverifiable and inaccurate information promptly. Failure to comply with this dispute in accordance with the FCRA will result in further legal action against your agency. 
You have five ( 5 ) days from receipt of this letter to remove this debt from my credit report permanently. If this issue is not resolved within this timeframe, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$2600.00} XXXX XXXX {$400.00} XXXX   XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Product: Credit reporting

Equifix will not send me to the right dept to get my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Indigo card services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct inaccurate information on my credit report. However, Transunion & XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to TransUnion to file this dispute Return back to XXXX XXXX
Product: Mortgage

I contacted Wells Fargo Home Mortgage 's Servicing Division today to learn how I can remove the PMI from my loan, which costs me appx. {$1100.00} per year or $ XXXX/month. 

What I learnt from them is that, in order for me to remove PMI from my loan, there would have to be 65 % Loan to Value ratio on my property. They said that this was part of the deal when the loan was financed by XXXX XXXX back in XX/XX/XXXX. 

This is not correct! My loan is a 30 yr fixed rate CONVENTIONAL LOAN.

The Federal Trade Commission and the Federal Housing Protection Act ( HPA ) states that PMI must be automatically cancelled once the loan balance reaches 22 percent equity ( meaning 78 % LTV ). This rule applies to all mortgage loans signed on or after XX/XX/XXXX. 

Wells Fargo has escalated the matter to their dispute resolution department however I am not sure what they will come back with.
Product: Checking or savings account

I received a bank statement from WesBanco Bank Inc, which I did not open. My last name is spelled wrong, my house number is wrong ; the city I live in is wrong. The account has a XXXX balance ; however, clearly someone has some of my identifying information. And I don't want the account to be used fraudulently because I did not open it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing issue for the last two months. I have sent numerous letters to XXXX and XXXX requesting validation on the collection placed on my credit report from Medicredit. This information was not validated with me, and they continue to send me a bill and report validated to these companies. I received a follow-up letter from the companies around XXXX XXXX, 2022, stating that it was validated again. The information they have listed is not correct. The accounts have different numbers, amounts, and dates. 
I have the right to challenge misinformation being reported on my credit reports. 

Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Debt collection

Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have been a loyal and valued XXXX XXXX XXXX XXXX owner for many years. I have been paying with this credit card for many years. On XX/XX/XXXX, unexpectedly, my credit was reduced to the current balance. On XX/XX/XXXX, all XXXX XXXX XXXX accounts were closed. 
After XX/XX/XXXX, I took care of the balance and by the time the account was closed, my balance was paid in full and I did not expect any problems. 
However, shortly after the closing date, I began receiving an abnormal amount of calls and XXXX from a collection agency, Service Solutions. At XXXX, I took it as a scam. Later, I responded, told the agent that I owed XXXX XXXX XXXX XXXXXXXX money, and clearly stated that I did not want to call again. They stopped calling and now send me " money demand letters '' almost every day. XX/XX/XXXX I spoke to a Service Solutions agent who was very vague and their supervisor who later emailed me saying the account was paid in full. 
But that didn't stop their demand emails. They pretend to have my account and the {$86.00} debt when I never had any agreement or anything with them. They also can't explain how or where the debt came from. 
To me it's not the amount but their methods of getting paid, all of which involved trying to get your full SSN and access to your bank account which is very suspicious. 
XX/XX/XXXX - I called XXXX and XXXX XXXX. Was on the phone with XXXX different reps and they all said I don't have a XXXX through them and they don't have a contract with Servicing Solutions.And all my accounts ( including the closed one ) in a good standing. I owe them nothing. 
To me this whole XXXX up is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX Balance : {$55.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Product: Debt collection

This account was included in a chapter XXXX bankruptcy 2 years ago. In spite of this, they reactivated the debt and began trying to collect it. Sending a collection letter for {$6000.00} more than was left at discharge, and adding four 120 day late payments to my credit report. This is illegal and highly criminal as the debt is not legally allowed to be collected in any way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX You have this account balance as {$24000.00} but the current account balance is XXXX XXXX have attached a screenshot of this account information below
Product: Debt collection

In the summer of 2015 this debt was paid to : COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Now, 2 1/2 years later they have reported my debt as unpaid to XXXX. I suspect the FALSE debt will also be put in XXXX and XXXX. 

Collection Consultants even told the credit reporting agencies that the debt was pain in 2015. 

Please help, my XXXX score dropped from good to fair, a 25 point drop. And worse yet I am trying to refinance.
Product: Credit reporting or other personal consumer reports

Below accounts are closed, discharged/charged-off. These are considered " Certificate of Indebtness '' per IRS Publication 4681 ( XXXX ) and these fall under the description of income. Income is not reportable & no 1099-C was filed or provided. These accounts are Illegally reported, in Violation of IRS Publication 4681 ( XXXX ), 15 USC 1681 & Privacy Act of 1974. They must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Late Payment and Violation of Consumer Credit Laws I am writing to dispute the treatment of payments on my credit card account under the open end consumer credit plan with your company. According to the laws outlined in the 15 U.S. Code, specifically sections 1666b, 1681a ( 2 ) ( 1 ), and 6802, it is evident that there have been violations of consumer credit regulations. 

XXXX. Timing of Payment ( 15 U.S. Code 1666b ) : The law stipulates that a creditor may not consider a payment late unless reasonable procedures are in place to ensure that each periodic statement, including the necessary information, is provided to the consumer at least 21 days before the payment due date. I have observed that the periodic statements from your company have not been consistently delivered within the specified timeframe, leading to confusion and potential late payment penalties. 

XXXX. Reporting of Information ( 15 U.S. Code 1681a ( 2 ) ( 1 ) ) : The law prohibits the communication of consumer information among related parties without proper authorization. It has come to my attention that there may have been unauthorized sharing of my personal information among affiliated entities, which is a clear violation of consumer privacy rights. 

XXXX. Disclosure of Personal Information ( 15 U.S. Code 6802 ) : Financial institutions are restricted from disclosing nonpublic personal information to third parties without providing consumers with a compliant notice. I have not received any such notice from your company regarding the disclosure of my personal information to nonaffiliated third parties.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX apartments nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Froze my Equifax account about eight months ago in an attempt to stop fraudulent credit checks, and incorrect reports harming my account at all. I then made an effort to unfreeze my Equifax account about six months ago, when I was moving. I was able to move, but the freeze was still on my account. I contacted Equifax about the freeze and was told that they would send me documents to unfreeze my account and verify my info. I was told it would take 6-8 weeks for the documents to arrive. They never arrived. I tried to contact Equifax earlier today about the same issue, as I have been trying to adopt the bills for my new residence in my own name, so the property management would not have to pay for my account. I called Equifax and was asked for an incredible amount of information, about my SSN, DoB, former loans, and credit lines. After answering all of these questions, I was told I would have to send a copy of my driver 's license and my SSC to Equifax for verification.

Since the documents they supposedly sent were all lost, I am not inclined to send any sensitive information through the mail, especially when I need to access my account today and begin utilizing it. I asked to speak to managers and supervisors when I was on the phone with Equifax, but I was eventually hung up on, by someone I don't believe I ever talked to. I was on hold to talk to a manager that was two positions higher than the person who I initially talked to on the phone, so I assume the manger there has no real concern for the consumers they are supposed to be serving. I have been trying to get my own credit report unfrozen and usable for the past six months, with Equifax actively working to make sure I am unsuccessful. They knew that if they hung up, I would have to fight through that whole process of giving info again, and most people can't deal with that much stress, especially when working six days a week and taking some time from having a single day off to try and solve this issue.

I need assistance in getting my account unfrozen, because it seems obvious to me that Equifax has no interest in doing so. I've talked to about nine " different '' people on the phone for them, and I have not had anyone give me any information, or really, any help at all regarding this manner. They all read form a script and try to placate me as if I am ignorant of how things work. I understand how things work, and I understand that if I were to send my information in the mail, I would probably find myself in this situation again after heaving my info stolen. I am not volunteering my information to whomever finds the copies on my driver 's license and SSC. I need my credit account unfrozen, especially when I've literally given them my credit history and have spent over ten hours on the phone with people who seriously do not care at all about the people to which they're responsible.