23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint mortgage servicing refuses to update my credit profile as current with payments. Have reached out to them by phone and email on numerous occasions. XX/XX/2018, current with payments, on XX/XX/2018, instead of reporting current payments they reported as 90-119 days  delinquent, then on XX/XX/2018, they reported as 91-120 days delinquent. I have tried to get them to update information correctly and they refuse.
Product: Credit reporting or other personal consumer reports

I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, XXXX and Equifax ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681i ( 5 ) 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 and promptly notify the furnisher that the information has been modified or deleted from the consumers file. ACCOUNT NAMES : XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay. 

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. 

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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

THIS IS WITH FTC ATTACHMENT On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX to purchase tickets. I transferred funds of {$250.00} from my Chase account via XXXX. Once I transferred the funds, the scammer stopped responding to emails, text, and calls. I have his transfer information and name and he said his bank was XXXX XXXX. I am sending screenshots and confirmation number for proof. I tried calling Chase and they said they will not be responsible for any scam even though I used their services to transact. Please help and thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

I fell behind on my mortgage payments due to a permanent loss of income & waiting on a hearing date from XXXX with multiple times of applying or modifications and was denied because of income after 2 1/2 years waiting my disabilty was approved and recieved some back pay.Flagstar Bank had called as usual that week from loss midigation dept and I told them I recieved my back pay and would like to catch my arrearages up at that time they placed me on hold and came back with a total of {$14000.00} and had to be recieved by XXXX/XXXX/XXXX once recieved they would contact attorneys to stop foreclosure proceedings I wired money on XXXX/XXXX/XXXX proceeded to call back as to why money was not posted to my loan this went on as of today XXXX/XXXX/XXXX then I got a call saying I needed to pay {$300.00} before other amount could post. I had emailed to my contact person XXXX XXXX on XXXX/XXXX/XXXX a copy of wired funds no one called and said I owd anymore till XXXX/XXXX/XXXX almost 30 days from the time they recieved my wired funds and the 15 times I called to see why my funds where not posted and no one called attorneys to cancel foreclose proceeding so during that almost 30 days I was scheduled a court date of XXXX/XXXX/XXXX to proceed with foreclosure .This is why I am so upset with the way I have been treated by Flagstar and the uncooperation they have given me and my situation and not willing or trying to find a resolution for my issue I want to keep my home and I have said that from day one what has happened to be is beyond my control but with a little help and compassion the is a resolution that could be established with help from Flagstar.I was aways paid on time until my accident and funds were depleated then they did not care I was just a loan number a property address that they where trying to collect my past payment history should make a difference I was a good paying customer now they draw a blank face to me ... something is wrong with this picture ... ...
Product: Money transfer, virtual currency, or money service

On XXXX15 during the blizzard in Massachusetts I had an insurance loss at my property located at XXXX XXXX XXXX XXXX Mass XXXX. XXXX XXXX  issued me two check for the loss, totaling {$26000.00}. I then was instructed by XXXX XXXX XXXX XXXX to sign and submit the checks to them, the Mortgage Company would then set up a Draw account for payments to be dispersed in the amounts of {$8900.00} to the contractor in three increments, when certain percentages of repairs where done. The first check was paid to its rightful recipient, which was XXXX XXXX ( contractor ) XXXX XXXX  The second and third checks were stolen and deposited into XXXX XXXX account with Citizens Bank XXXX, Mass. XXXX XXXX XXXX and XXXX XXXX XXXX were occupants of the mentioned property. By his own admission XXXX XXXX gave the checks to XXXX XXXX to deposit. I have also filed a complaint against XXXX XXXX regarding this incident and am currently in conversations with them. Citizens Bank, should have never cashed or either deposited or accepted this check from XXXX or XXXX XXXX whereas they were not payees on the Insurance check. Citizens Bank will not communicate with me, whereas they state I 'm not an active account holder. The Banks have regulations whereas third party checks with incorrect endorsements should n't be cashed. There were three names on the Check XXXX XXXX XXXX XXXX and XXXX XXXX. On one of the Check XXXX XXXX and XXXX XXXX never signed, however the checks were still excepted by a Citizens employee and negotiated. The contractor discontinued the repairs due to the funds not being paid to him. My basement still to date is n't complete and Citizens should be held responsible for returning the funds. Please find enclosed a copy of the checks that were signed by XXXX XXXX and deposited by either her or XXXX XXXX XXXX her son.
Also find enclosed a copy of the contract proposal from the contractor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request a correction of the following information that appears on my Equifax consumer report : Dispute : Account Number or other information to identify account : XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Dates associated with item being disputed : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Explanation of item being disputed : I would like to state that Equifax Is in violation of 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have stated above the 10 accounts that are being furnished illegally on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed, I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681. ( A ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report, it has caused me to lose confidence in the banking system. If Equifax wants To continue doing business with me, they should delete these inaccurate accounts off my consumer report. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received this email of denial at my email address of XXXX I did not apply for this loan. I have never heard of this company. I resent the fact that they say I applied for a loan and referenced my credit report. They are false advertising and targeting. Did they really run my credit? If not, why insinuate that they did? I am going to keep a close watch on my credit report. 

Is this an attempt to get me to call them? Very alarming. 

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

My credit reports show unverifiable and inaccurate accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX I am reaching out to bring to your attention a pressing issue I have been experiencing with MOHELAs customer service. XXXX months ago, I requested a letter documenting an amortization payment of {$25.00}. This letter is critical for the accuracy of the accounting process required by my lenders underwriters as I am in the process of purchasing a home. 

I am currently under review for the XXXX XXXX, which has placed my account in a pending status. Despite multiple conversations with MOHELA staff, including two supervisors, and assurances that this matter would be addressed, the letter has yet to be provided. The repeated delays and lack of resolution have been deeply frustrating and have not met the standard of service I expected. 

This matter is now urgent, as my closing date is in just XXXX days. I kindly request your immediate intervention to ensure this letter is completed and sent to me without further delay. If additional information is needed from my end, please let me know at your earliest convenience.
Product: Mortgage

I received an e-mail yesterday at XXXX from Consumer Financial Protection Bureau asking me to dispute a response from Nationstar Mortgage. The problem with the e-mailmessage was that there is no response from the company to be disputed. Who ever sent it asked me to click on a link and that link took me to my own complaint case # XXXX. Instead of reading Nationstar Mortgage response I was reading my owncomplaint about Nationstar Mortgage. I do not understand the e-mail message. Could someone explain to me better or let me have the company response instead of reading my own complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX  originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.
Product: Debt collection

On Wednesday XX/XX/XXXX I reached out to the collection company explaining the amount is incorrect and I have email proof stating the correct amount of {$420.00}. The lady asked me to send her the email screenshots to her for proof. I have not heard back from the collection company. The manager, XXXX, from XXXX XXXX XXXX hung the phone up in my face when I told her I had the proof of the correct amount and to please help. Our XXXX XXXX XXXX rental lease ended the end of XX/XX/XXXX. We moved out the house before the end of XX/XX/XXXX. We were told we could but our keys in XXXX 's drop box and a house inspection would take place the first week of XXXX. The walk through house inspection happened on XX/XX/XXXX at XXXX and we received the email stating XXXX XXXX kept our {$1800.00} deposit and the remaining balance of {$420.00} was due to cover cleaning and bushes removal. 
It was been a very stressful journey trying the get the amount corrected. The collection company has not been helpful and the lady I spoke with was very rude and did not reach back to me regarding the correcting.
Product: Debt collection

I lived at XXXX XXXX XXXX XXXX, which is now XXXX XXXX, this was back in XXXX of 2015, I resided there XX/XX/2015 until XXXX of 2015 after my health condition was diagnosed as XXXX   XXXX XXXX, at this point I had to stop working and then was in the Process of moving back to XXXX with family to which I informed the management company at that time which is no longer there, with this being said I was told that I would be able to work something out with them, to no avail this did not happen I did owe some back rent but not to the amount which is being claimed. this is not the company I rented from and they have added an outlandish amount of {$6400.00}, I am currently XXXX on XXXX and unable to this on my report trying rent with this on my report. 
I look forward to hearing from you going forward The Company 's Name is Ideal Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX
Product: Checking or savings account

On XX/XX/2022, there was a withdrawal of {$800.00} taken out of my chase checking account at an ATM. The transaction was not done by me. Once I saw this transaction occurred on my account I reported it to chase XXXX department and they said there will be an investigation. They closed my debit card and issued me a new one.They subsequently refunded the money back into my account pending their investigation. The claim was then reversed on XX/XX/XXXX and the money was again taken out of my account. I called chase again to rectify the situation and they said after their investigation it was determined that it wasn't a mistake because it was an atm withdrawal with a chip. Again, it was not a transaction that I did and when I asked for more information or video footage to determine who the culprit was they said they could not provide that to me. Now I have an overdrawn bank account with a negative balance and no solution to the fraud that's been occurring on my account.