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

Date of Closure : XX/XX/year> XXXX # : XXXX / XXXX Charge Off Amount : {$240.00} Date of Closure : XX/XX/year> XXXX # : XXXX / XXXX Original Charge Off Amount : {$990.00} Closure Status : UNPAID While Trying to apply for a business bank account I was denied due to this discrepancy on my report. I called XXXX to get details but they told me to call XXXX XXXX XXXX and XXXX XXXX to pay it, but when I called they ( XXXX XXXX ) didn't know anything about it. This violates my privacy and risks personal information being passed around to XXXX party companies who don't have a record of the details. I was also informed on the call that this was not the first time. Please REMOVE/ DELETE from my REPORT! 

I have never received emails, Letters, or calls about the debt.
Product: Mortgage

XXXX XXXX, XXXX, i received foreclosure and loan modification advisory letter from County of XXXX. This means Nationstar is trying to foreclose my home. I bought the house in XXXX and paid my mortgage frequently. XXXX XXXX, XXXX they raised my taxes from {$420.00} to {$940.00} that is a raise of {$510.00} per month. This is wrong. My whole taxes for a whole year is {$6100.00}. Dividing that in 12 months is {$510.00} minus what I pay regularly {$420.00} difference is {$87.00}. This means that my escrow from XXXX XXXX, XXXX need to go up with adding the {$87.00}. My regular payment from {$1800.00} when we add the escrow of {$87.00} my new mortgage payment should be {$1900.00}, not {$2300.00}. They are wrong in the amount of {$430.00}. XXXX XXXX, XXXX they took from my XXXX XXXX XXXX account {$1800.00} and statement is attached. XXXX XXXX, XXXX they cashed my XXXX XXXX check in the amount of {$1800.00} check # XXXX, attached is front & back of check. I mailed a check from XXXX XXXX in the amount of {$1800.00} dated XXXX XXXX, XXXX and they cashed the check one ( 1 ) day earlier, XXXX XXXX, XXXX, check # XXXX and statement attached. From XXXX XXXX, XXXX till XXXX XXXX, XXXX I paid 3 months mortgage. I was short in escrow for 3 months, in the amount of {$260.00}. XXXX and XXXX they returned my payments. Now I owe payments for XXXX, XXXX, XXXX and XXXX a total of 4 months. Monthly {$1900.00} X XXXX = {$7700.00} + XXXX the difference = {$8000.00}. To cover all months of their mistake to the end of XXXX is a total amount of {$8000.00}. If Nationstar Bank makes the corrections and email me the correct amount I have no problem to pay my mortgage. And I can forget NationStar 's mistake. Nationstar can give order to XXXX As Trustee or acting as Agent for the Beneficiary ( XXXX XXXX, Assistant Secretary & Vice President ) to stop the foreclosure and to stop harassing my family with the letters and postings. I have spoken to them many, many times from XXXX XXXX to present, I have faxed documents and proofs that they are wrong about 4-5 times and they make only one correction they charged me double payment in XXXX XXXX. And they returned my payment. It took them more than one year to make this correction. I do not like to have the same mistake happen again, because when I spoke to their research Department many many times they say they can not do a lot, I need to speak to the Tax Department, I spoke to Tax Department and explained the same and faxed the proof on XXXX XXXX, XXXX. The same day XXXX XXXX, XXXX I faxed the same documents to the research department. I tried to help them so we all could be on the same page so they make the correct corrections because my taxes went up only {$87.00}, and my correct monthly payment ( principal, Interest, taxes ) is total {$1900.00}, not as they say {$2300.00}. So I can continue to pay my mortgage.
Product: Checking or savings account

I filed a claim about a month ago with Chase. They gave me temporary money that was withdrawn form my banking account. It was about {$600.00}. My claim was declined because the merchant purchased me. But I did not make those purchases. If you look on the website is nonexistent. So I again 4th time and finally forward with the supervisor of Chase. The phone call recorded line. Theres proof that that merchant purchase was linked to my XXXX XXXX. So I look into transactions in XXXX XXXX and nothing to be found. Chase said they need evidence so they can reopen my claim. I dont have evidence because they dont give me more information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

They have closed the stores and I asked them to close my revolving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

Western Shamrock has made repeated harassing phone calls regarding my debt with my references. 

The manager is extremely abusive, verbally.
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. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or 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.
Product: Debt collection

LAST CHANCE TO DO THE RIGHT THING AND HAVE XXXX AND XXXX   VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER 7 BANKRUPTCY. CASE XXXX
Product: Checking or savings account

A few days I opened an account with SoFi, transferred {$500.00} into account. 
I deposited 3 checks totaling approx. XXXX. 

Today I get a notice that they froze my account due to fraud alert and suspicious activity and I should call a specific number. 

I called that number but they don't take calls! only voicemails. 

It's crazy that they can suddenly freeze my account without providing a reason supposedly " for my safety '' and then not have anyone reachable to tell me what's going on and why!
Product: Credit reporting or other personal consumer reports

Despite making this attempts to resolve this issue, the inaccuracies persist, causing significant harm to my credit standing. Despite these efforts, the errors remain unresolved. The lack of correction and communication from your company is both frustrating and unacceptable. The continued presence of these inaccuracies is impacting my financial stability and causing undue stress. I am now seeking the intervention of you to assist in rectifying this issue. I expect an immediate corrections and to receive a response within exact timeframe from the date of this letter. If this matter remains unresolved, I will have no choice but to formally file a complaint and consider further legal actions to protect my rights. Please help me correct the following accounts : 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remdisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights asoved
Product: Money transfer, virtual currency, or money service

XX/XX/2019 {$270.00} Used XXXX XXXX account with zelle to send for service. Service never happened and blocked by user. XXXX was number used by scammer. XXXX/ XXXX is name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit reports for dealers I have no knowledge up also I have a car on my credit that was sent to a third party and I cant contact them to find out about the car and making my credit report bad and a loan company on my credit thru a third party cant get in contact with them either
Product: Checking or savings account

I was frauded into depositing a check and then reversing the funds, the check never cleared and as a result I wound up transferring over $ XXXX of my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed these inquiries that I do not recognize, I would like them to be removed immediately. 

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

On XX/XX/XXXX I disputed a collection from A-1 Collection agency on my XXXX credit report. On XX/XX/XXXX the collection was deleted as a result of the dispute, with confirmation number XXXX. On XX/XX/XXXX the collection reappeared on my credit report. I did not receive notice from XXXX within the 5 day window as required by the FCRA. The collection was deleted as a result of the investigation dispute, not as a result of non-communication, ( wherein a collection can be reinstated if the agency responds within 35 days ). Therefore, this reinsertion is incorrect and must be deleted as stated in the result of the dispute.
Product: Student loan

I have emailed and called Mohela about the gap in my eligible public service loan forgiveness ( pslf ) payment counts. There is a gap from XXXX, despite me having approved eligible employees verification.

When I called they told me they wouldbreachbout the federal student aid ( FSA ) but when I called the FSA, they told me pslf counts were made by MOHELA.

I have since emailed MOHELA twice with no response.

They have lied and neglected my emails.
Product: Credit reporting or other personal consumer reports

**Subject : ** Re-appearance of Previously Removed Identity Theft Debt on Credit Report **Complaint : ** I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for reporting a debt on my XXXX credit report that was previously removed due to identity theft. This debt was originally removed in XX/XX/XXXX following a successful dispute that confirmed the debt was a result of identity theft. 

Despite the debt 's removal, it has reappeared on my XXXX credit report, causing significant distress and potential harm to my creditworthiness. This re-reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

**Violation of FCRA : ** XXXX. **Re-Insertion of Previously Deleted Information : ** Under the FCRA , specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information that has been deleted from a credit report is reinserted, the consumer reporting agency must notify the consumer of the reinsertion in writing within five business days. I did not receive any such notification from XXXX regarding the reinsertion of this debt. 

2. **Accuracy of Information : ** Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The reappearance of this debt, which was confirmed to be a result of identity theft, violates this requirement. 

**Violation of FDCPA : ** 1. **Failure to Provide Validation of Debt : ** Under 15 U.S.C. 1692g ( b ), if a consumer disputes the validity of a debt, the debt collector must cease collection of the debt until it obtains verification of the debt. Torres Credit Services Inc. has failed to provide any such validation despite my previous dispute and the confirmed removal of this debt.

2. **Unfair Practices : ** According to 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting a debt that was previously identified and removed as a result of identity theft is both deceptive and misleading. 

**Supporting Legal Cases : ** 1. **XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : ** This case supports the need for credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. 

XXXX. **XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : ** This case emphasizes the requirement for debt collectors to provide verification of the debt upon a consumer 's request, halting all collection activities until such verification is provided.
Product: Credit reporting or other personal consumer reports

To : Experian 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 XXXX : 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 : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT account on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent. 
ACCOUNT be deleted from my credit report immediately. 
Please remove the following fraudulent account from my credit report : ACCOUNTS : XXXX XXXX account ( XXXX ),
Product: Mortgage

RE : Complaint against Wells Fargo Home owner in Texas and my house was destroyed in hurricane XXXX. I did not have flood insurance and was forced to get an SBA Loan to cover the costs to repair my home. Wells Fargo had set up a disaster and recovery dept. specifically designed to help people like myself in need of these recent XXXX disasters, but have hindered every effort thus far. The Wells Fargo case manager, XXXX XXXX was first placed on my case but never communicated with me. Once I informed Wells Fargo I had heard nothing from this XXXX another representative by the name of XXXX XXXX was put in charge of my case. XXXX XXXX informed me per recorded line that I had to fax certain docs and 2-3 days later this whole process would be completed. The docs were faxed on XX/XX/XXXX at XXXX ( time stamped receipts to prove time/date ) and the " 2-3 '' day deadline would have been XX/XX/XXXX or XXXX. Meanwhile, we have no walls on the first floor of our home and its been freezing temperatures. I have been calling Wells Fargo and pleading every day this week to please provide feed back. I then find out that the case has now been given to yet another representative, XXXX XXXX. It is day 6 and I 've been calling every day with a guarantee " per recorded line '' that this XXXX would contact me but still nothing ; no phone calls, emails, or postal mail. The ridiculous sad part about all of this is that Wells Fargo only has to fill out 1 piece of paper for the me to close on my SBA Loan. Wells Fargo is refusing to return my calls or provide me with this 1 piece of paper. Seeking legal counsel is no problem, however, I should not have to. We 're talking 1 piece of paper here and I have been waiting nearly a month for it. 

Thank you
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. 

On Experian, 8 Unidentified and Fraudulent hard inquiries are on my credit report. 

Please Remove these Fradulent hard inquires from Experian. Here are the 8 fradulent experian hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove and block all 8 of these fraudulent hard inquiries
Product: Debt collection

I collection account was put on my credit report my a company called Ad Astra ( XXXX ) for a XXXX XXXX loan. I called XXXX XXXX and gave them my social and they could not find an account. I then called Ad Astra and they did not have the correct social security number just my name on account that was not mine. They put that info on my credit report knowing they did not have a correct SSN for me. When I asked them how they could do that knowing they did not have the right SSN, they could not give me an answer. This has negatively affected my credit report and should be removed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I prepared a letter to the CRA ( Experian, XXXX and XXXX ) In reference of my right for privacy was violated. The credit bureau post medical collection on my credit report without my consent. 15 USC 1681 ( a ) ( 2 ). XXXX Account- XXXX and XXXX and XXXX XXXX XXXX account XXXX are reporting on my credit. 

There is should be no medical collections reporting on my credit report because it is a violation of hippa law and 15 USC 1681 a ( 3 ) ( b ) ( c ) - states any medical bill pr information should not be my on consumer report. 

After I received the notices from Experian, XXXX and XXXX. XXXX removed all of the medical collections. XXXX and Experian stated the accounts were verified. 

On XX/XX/2022 I prepared another letter for Experian and XXXX. I sent the letters certified mail- XXXX ceritied mailXXXX XXXX XXXX XXXX XXXX and ExperianXXXX XXXX XXXX XXXX XXXX. I stressed my concerns about reporting this private information for the public. As a consumer I have the right to deny or decline what is reporting on my consumer report.