23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I initially opened a claim - XXXX - and just got my response back and the reasoning is ridiculous. 

My complaint was because I was scammed out of my money by a verified user on XXXX, but unfortunately they had their account hacked, so the money I sent them for charity went into a scammers pocket. 
Because of that, I went to a local branch of Bank Of America and asked for help and was told " We suggest you don't use XXXX. '' That comment, and the unwillingness to help, led to my complaint. Not that BoA made an error. 
My reasoning is why offer a service and tell your customers to use it, but offer no protection for when they do use it, and are unwilling to help them when they do use it, and that you're own employees caution you about using it in the first place? 

In response to my complaint, BoA said it's not their error and I should contact the person I sent the money to and ask for it back. 
Yes, I'm supposed to contact a scammer, that hacked someone's account, and ask for it back. How does one even go about doing that? If I knew who that was, I would be going to the police, not making an online complaint. 
Believe me, I've tried tracking this person down, I found numerous fake companies associated to them. I found an address in ND, which is most likely fake. But I've tried! 

XXXX is a system designed for scammers, where all the protection goes to the scammers, and BoA and XXXX know this and refuse to change anything or help in any way. 
" Not our problem '' and washing their hands and turning their backs.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX  - Account XXXX My parent has the same name as me. 
XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account XXXX
Product: Vehicle loan or lease

GM Financial is reporting inaccurate payment history on my credit report for account # XXXX. I have filed disputes with all three credit bureau 's. GM Financial is reporting 30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 day late payment for XX/XX/XXXX on the previously referenced account. The account was paid if full and closed on XX/XX/XXXX. I've made numerous phone calls to GM Financial customer service for approximately a month. They have corrected payment history with XXXX but have yet to submit a correct payment history with XXXX. They have also provided me with letters that reflect the account was satisfied in XX/XX/XXXX. This inaccurate reporting is impacting my credit score significantly. I am in the process of obtaining a mortgage and this inaccuracy is preventing me from doing so. The score simulation on XXXX 's website indicates a positive change of greater than 50 points if this inaccurate reporting was corrected by GM Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX XXXX 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

XXXX XXXX XXXX is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX, 2017 received a call claiming they have a case against me that I owe a debt and if I do n't call them back, I have no legal protection. I have called 3 times and when I ask for information I have had the phone disconnected on me. They answer the phone, stating XXXX or speak to a particular person says he is XXXX XXXX, when I questioned him, he repeatedly disconnected me. The phone number is XXXX. I also get a call everyday from a group which shows up as Revenue Group on my caller ID XXXX.
Product: Credit card

XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.
Product: Mortgage

I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a short sale so I can leave with some dignity.
Product: Debt collection

I tried to pause or cancel my account earlier of last year ( XXXX ), but wasnt able to because I had one month past due. I wasnt financially stable and called XXXX customer support to try to get my account paused so I wouldnt have to pay for even more months and they told me that it wasnt possible until I payed off my previous month. I couldnt pay off that previous month because I was unemployed so it forced me to pay for the next month which added onto my debt. I stopped going for months because during all those months Ive been trying to either pause my account or cancel it so I wouldnt have to keep paying. They did not allow me to pause my account or cancel it which forced me to continue having my account open and added to my debt which I did not want and couldnt resolve. I received some mail last year about the attempt to claim debt and then stopped receiving them for a while so I assumed that the issue was resolved. Today ( XX/XX/XXXXXXXX XXXX  ) the debt went into collections without any notice prior.
Product: Credit reporting or other personal consumer reports

I am writing to you in reference to my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate and fair information in my credit report. I have recently reviewed my credit report and found some discrepancies that I believe need to be correctedXXXX XXXX I also want these inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. As of this date, the Agency fail to show proof the debt is valid. 

XXXX responded stating that they have previously investigated and verified this account. I sent them a direct request so I believe they are attempting to stall or ignore my right to request verification and have this incorrect information removed. 
I demand that they initiate an investigation as is my right under the FCRA, or send proof that they have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES OR COMPUTER GENERATED RESPONSES. 
Please delete these accounts expeditiously!
Product: Mortgage

I submitted a mortgage application with MLB Residential Lending , LLC for a refinance in mid XX/XX/XXXX. I went through all the processing and received a " clear to close '' from both the lender and closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my loan officer that the underwriter stated that the loan can not close as structured due to investor guidelines and will need to be restructured as a purchase. Over the next 3 weeks I submitted all the necessary documentation as requested by the lender and received the new disclosure paperwork on XX/XX/XXXX. I signed the paperwork and completed additional documentation that needed to be physically printed, signed and faxed back. This was done in the morning and in the same afternoon I received an email stating my loan status has changed to " denial ''. I was instructed to contact my loan officer with any concerns or questions. I went online to review the denial thinking it had to be a mistake and found my loan was denied to " incompleteness ''. I contacted my loan officer as instructed to find out he now was " no longer '' with MLB Residential Lending , LLC. He therefore instructed me to contact them directly. I emailed them to follow up on what was " incomplete '' and why I was not notified or given the necessary paperwork or opportunity to complete it. I received an email back stating it was " incomplete '' and therefore the loan was denied and given no additional feedback or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Starting in XXXX, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports ''. 

I have medical debt that less than {$500.00} and is being reported on my credit. After submitting 2 disputes it is still being reported and they are refusing to remove it. It was removed one time and then put right back on. 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX This was also put on my credit 4 months after the date of service and not 6 months as per guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on XXXX and Equifax. Also XXXX XXXX was closed off the XXXX on XX/XX/XXXX, but still remains on Equifax and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.
Product: Debt collection

I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts please remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. Thank you
Product: Credit card or prepaid card

To whom it may concern, In XXXX I was a victim of id Theft, I fixed it at the time that happened and I put a freeze in my credit report, back in XXXX something came up and I did a consultation with a Lawyer who after suggested to file for XXXX XXXX bankruptcy, I filled all the papers she sent but 2 days before paying her she decided to drop the case, so I stopped paying my bills for 2 months, While I was working with the Lawyer, she recommended another one, but after talking to him, I decided not to pursue. and now I'm in a bigger trouble and making it impossible to go back on track, so some of my credit cards I got an agreement to remove late fees and personal loans, but XXXX card closed my account, minimum payment now {$390.00}, But the worst of all Citi Advantage closed my account too making the minimum payment {$680.00}, after 20 years as a customer with Citi, only having this account for 6 months, never late, same with XXXX. I have been trying to communicate over the phone with Citi and its, impossible nobody has access to the account not even myself. Every time I call they cant see the account, They transfer me to collections, same thing, they transfer me to recovery dept, call drops and I have to start over again.Im just trying to go back on track.
Product: Credit reporting or other personal consumer reports

XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT ACCOUNT XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXXXXXX XXXX THIS IS NOT MY ACCOUNT I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a zero balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXXXXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Payday loan, title loan, or personal loan

I received an installment loan from Check City to cover medical expenses. I was making my required payments and paid off my interest balance. However, I fell into trouble into paying my biweekly payment. My wife had XXXX and was off of work for a month. I tried to negotiate with Check City to allow me to pay my remaining balance of XXXX by making payments of XXXX a month. They refused and demanded I make the required amount of XXXX bi-weekly or they will take me to court. I stressed to them that I was willing to pay balance but I needed some leeway on payment arrangement. I couldnt afford XXXX on a bi-weekly basis until my wife was back at work. They staff told me if you can not meet our expected payment of XXXX bi-weekly we will see you in court.
Product: Prepaid card

I currently use an American Express Serve card. ON XXXX I used my Serve card at the gas station. When I bought {$8.00} worth f Gas American Express transferred {$92.00} to the Serve card from my XXXX account to cover the gas. This {$92.00} transfer cost me a {$34.00} fee from XXXX. I immediately called American express to have them reverse the transfer so I would n't incur the fee and they refused. I use a prepaid card to monitor spending and avoid fees. Since American Express Serve targets poorer nonbanked communities, causing customer to incur fees seems callous and predatory.
Product: Debt collection

On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. 

On XXXX/XXXX/XXXX I received a letter in the mail from ARA.
Product: Debt collection

I've been actively disputing a charge on my credit card that I believe is fraudulent. I've reached out to all three credit bureaus multiple times, explaining that the charge isn't mine and requesting verification of the account details. Despite my persistent efforts, I've received little assistance from them, and the process feels frustratingly slow. I just want to protect my finances and rectify this issue, but it seems like Im hitting a wall with their responses. 


XXXX XXXX XXXX XXXX Past due amount {$360.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} Closed account Its reporting an all three bureaus
Product: Money transfer, virtual currency, or money service

My son deceased on XX/XX/2020 upon cleaning his apartment I found two cash app cards one for business the other for personal. I called the XXXX XXXX who stated they were cash app cards and that cash app had no contact number so I had to contact them through cash app. Which I did when I was returned an email that had no information regarding my question then I sent another email and was contacted by XXXX who sent instructions on how to proceed. So I did and no response so I email back and was told my case was closed. So I contact again through cash app and still no response.
Product: Mortgage

I am attempting to remove private mortgage insurance from my mortgage, but the PMI group is not cooperating with my request. 

I sent the following letter via USPS on XX/XX/2021 to PMI to remove private mortgage insurance : -- Mortgage Insurance Department XXXX XXXX XXXX XXXX, NJ XXXX I am writing this letter to request removal of PMI ( Private Mortgage Insurance ) for the property XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ( the property ). The loan servicer is CMG Financial with a loan number XXXX. 

The property was remodelled completely on the inside since it was purchased, and I have calculated based on the current market conditions and improvements to the property that its current market value meets the 80 % LTV requirement to remove PMI. 

My payment history is in good standing, there are no junior liens, and I believe an appraisal would confirm my calculations to be accurate. 

You will find attached the last monthly statement of my mortgage for reference. 

Please kindly confirm receipt of this letter and next steps. Thank you. 
-- I received an email reply on XX/XX/2021 from XXXX confirming receipt of my letter above. They requested documentation to substantiate my claim. I submitted an email reply ( which they instructed was okay ) on XX/XX/2021 with attached documentation. They sent me an automated reply that they would reply within 30 days. It is now XX/XX/2021, nearly 2 months later and I have yet to hear back from them. I additionally sent a followup email on this day too, and I have not heard any response.