23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage and applied with my servicer Mr.Cooper for help. I hired an attorney to help me with the process. I was approved for a loan modification trial and I paid all of my trial payments on time. My last trial payment was due in XX/XX/XXXX. I have not received my final documents. My attorney called Mr. Cooper and they are telling us that they mailed out my paperwork to the wrong address for the law office. My attorney advised them of the CORRECT address, however stupid Mr. Cooper says my attorney has to send them in writing a letter stating the address THEY have incorrectly on file is not correct. Otherwise they say they will not give me my final mod documents and I will lose my house! So I have to pay my attorney to correct Mr. Coopers error. My attorney advised Mr. Cooper we have never given them that incorrect address and all of the paperwork they sent in, including the authorization, had the correct address. Mr. Cooper then agreed to mail out a new set of my final paperwork to the correct address based on them looking at all the paperwork my attorney sent in had the correct address. Mr. Cooper said they would do that as a favo??? But still demanded my attorney to send them in a letter advising them of their error. This all occurred on XX/XX/XXXX and as of today I still do not have my final documents. My attorney called again today and Mr. Cooper hung up on him. He was asking why the paperwork didn't go out. The rep said they were waiting for the letter. My attorney asked for a manager as that was not the agreement and he had called on XX/XX/XXXX and Mr. Cooper at that time told my attorney the documents already went out. My lawyer nor myself has ever received any call from Mr. Cooper during this time. They never called to ask if I had received the final paperwork. They were just going to let my loan mod cancel out then take my home! Shame on Mr . Cooper!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Acct : WELLS FARGO XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : XXXX On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX Mail XXXX XXXX XXXX to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send XXXX forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXX XXXX XXXX XXXX to receive my credit report every month which will be attached. 

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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX report wrong information to credits buries : XXXX, Experian and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ XXXXinancial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern. I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account. Transparent communication regarding the steps being taken to identify and remove the unauthorized items. Swift removal of the fraudulent items from my account and a confirmation of their removal. Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed. Compensation for the inconvenience, XXXX, and financial impact caused by the delayed resolution. I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/18 Balance : {$0.00}
Product: Vehicle loan or lease

I have a bout 2 late payments with EXETER FINANCE on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of XXXX. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Experian increased my credit score to XXXX ( please see the attached " Score Increase.pdf '' ). On XX/XX/XXXX, I EARLY paid-off my car loan with XXXX XXXX XXXX XXXX ( EARLY PAY-OFF because loan maturity date was XX/XX/XXXX ). On XX/XX/XXXX, EXPERIAN SENT ME TWO NOTICES BY E-MAIL : ( 1 ) please see the attached " Review Your Credit Notification.pdf '' in which mention of POSITIVE IMPACT ON MY CREDIT was made and ( 2 ) please see the attached " XXXX check out 1 update to your credit report.pdf. '' I then reviewed my credit, as directed in the aforementioned second e-mail notification, and discovered EXPERIAN TOOK NEGATIVE ACTION ON XX/XX/XXXX ( please see the attached " Score Decrease.pdf '' ), OR PRIOR TO THE DATE OF THE TWO ABOVE-MENTIONED E-MAIL NOTIFICATIONS FROM EXPERIAN ON XX/XX/XXXX, AND WITHOUT NOTIFYING ME BY E-MAIL OF HAVING TAKEN SAID ACTION AS WAS DONE IN THE CASE OF THE TWO ABOVE-MENTIONED E-MAIL NOTIFICATIONS, TO DECREASE MY CREDIT SCORE BY XXXX XXXX from XXXX ( my Experian credit score on XX/XX/XXXX as mentioned above ) to XXXX.
Product: Mortgage

I received a Mortgage Loan Modification in 2011 via CITI MORTGAGE ( XXXX XXXX owns the paper ). This modification was grated to me via the HAMP/HARP program via the Federal Government. That funding was provided to these banks from the Federal Government to provide relief to me, due to the housing crisis collapse. They modified my loan. However, they built into the loan verbiage that shares if I failed to make a payment or late payment any forgiveness will be forfeited. See Paragraph ( XXXX ). Principal Reduction Alternative. I did not know this verbiage was " baked '' into this modification. I think that is BS and if XXXX XXXX or Citi Mortgage is going to KEEP the {$66000.00} of forgiveness, I want that money RETURNED TO THE FEDERAL GOVERNMENT!!!! This is just ANOTHER CLAUSE that set people up for failure, at a very tumultuous time, so these BANKS can SNAKE the fees on the back end that were clearly intended to HELP PEOPLE not them! That said, my Mortgage is up to date. This Modification is current. I received a letter stating that at the end of this loan, if paid within 30 years, will owe CITI MORTGAGE another {$98000.00}!!! That is only based on today 's rates! This means that the {$66000.00} of FORGIVENESS is growing with interest on the back end! Again, this makes this loan affordable and OUT OF REACH and completely defeats the purpose of the Federal Government Programs for this purpose and their intention to ASSIST THE CHEATED CONSUMERS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal information.
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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u 6325 payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Student loan

Hello. I have made several student loan payments to FedLoan Servicing that are not showing as being qualified. Many of these payments were made while being employed by two PSLF-qualifying employers between XX/XX/XXXX and XX/XX/XXXX. I submitted certification forms for these two employers to FedLoan, most recently on XX/XX/XXXX and have not yet heard back. I see that, in the time that I've been waiting for a response to my XX/XX/XXXX form submission, my qualifying payment total has increased but is not completely accurate. I see three issues : 1. When I was employed by one of the PSLF-qualifying employers, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 13 payments, and none of these payments are showing as being qualified.

2. While employed by another PSLF-qualifying employer, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 28 payments, but only 24 of these payments ( from XX/XX/XXXX to XX/XX/XXXX XXXX are showing as being qualified. This leaves 4 payments ( from XX/XX/XXXX through XX/XX/XXXX ) as not showing as being qualified. 
3. I have made consistent student loan payments while being employed by my current PSLF-qualifying employer from XX/XX/XXXX until present. There is 1 student loan payment ( for XX/XX/XXXX ) that is not showing as being qualified. 

These incidents total 18 payments that should be qualified and are not currently showing as such. Thank you for your attention to this.
Product: Credit reporting or other personal consumer reports

This is my second 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 XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

The information that is currently in the credit bureaus is totally different, I need to change my personal information in the credit bureaus ( Transunion ) for the new personal information that I am going to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am writing to dispute the information reported on my credit report regarding my XXXX XXXX XXXX XXXX account. The report shows an open balance for a charged-off account, which raises several concerns that need to be addressed. 
Details of the account are as follows : Date opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off. {$2400.00} past due as of XXXX XXXX. 

Status updated : XX/XX/XXXX Balance : {$2400.00} The credit report shows continuous charge-off status updates, which are listed below : credit report shows continuous charge-off status updates, which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several points of contention credit report shows continuous charge-off status updates, which are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have several points of contention regarding this reporting : 1.How can a charge-off account have an open balance/balance due? If the account is charged off, it should not reflect an open balance. 

2.Statute of Limitations on Debt in NJ : According to Section 2A:14-1 of New Jersey state law, the statute of limitations on debt is six years. This statute applies to all kinds of debt, including written, oral, promissory, or open. Given that this account was opened on XX/XX/XXXX and last updated in XX/XX/XXXX, it is beyond the six-year limitation period for legal debt collection. 

Based on these points, I request that you investigate this matter and correct any inaccuracies on my credit report. If the information can not be verified or is found to be inaccurate, it must be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please consider this letter as my formal dispute and take the necessary steps to resolve this issue. I expect a response within 30 days of receipt of this letter. Enclosed are copies of my recent credit report highlighting the disputed item and any supporting documentation. 

Thank you for your prompt attention to this matter.
Product: Money transfers

I purchased and placed {$100.00} onto a " Reloadit '' card. In going to access my already established 'safe ' account, the site states that it can not connect to the service at this time. ( www.reloadit.com ) I have been trying this since XXXX. I also tried to call the number listed and get nothing but 'dead air ' ... no ringing, no anything. ( XXXX ) I am needing to transfer this cash to a pre-paid debt card to do as I need ... like buy xmas presents! ( and bills, XXXX, etc ... )