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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am disputing inaccurate personal information on my credit report based on the following legal violations : XXXX. FCRA ( 15 USC 1681 ) Violations : Section 1681e ( b ) : Failure to maintain accuracy Section 1681i ( a ) ( 1 ) : XXXX investigation requirement violated Section 1681i ( a ) ( 5 ) : Failure to delete inaccurate information XXXX. Privacy Act ( 5 USC 552a ) Violations : Section 552a ( e ) ( 5 ) : Maintaining inaccurate records Section 552a ( d ) ( 2 ) : Denying amendment rights Section 552a ( b ) : Unauthorized disclosure XXXX. CFPB Regulation Violations : 12 CFR 1022.42 ( a ) : Failure to maintain reasonable procedures 12 CFR 1022.43 ( e ) : Inadequate dispute investigation CFPB Bulletin XXXX : Investigation timing requirements not met The only accurate personal information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/year> Current Employment : Self Employed Previous Employment : XXXX Any other variations of my personal information are incorrect and violate these statutes and regulations
Product: Debt collection

I owe my XXXX XXXX payment to XXXX XXXX on XXXX. And that payments I have already paid off by me to XXXX XXXX XXXX confirming XXXX as a my debt collecting agency, file # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX reported on my XXXX  credit bureau on collection of {$6.00}.
Product: Debt collection

I was charged by XXXX XXXX XXXX in XXXX of 2021 and the debt went into collections. I WAS NOT INVOLVED WITH XXXX DURING THIS TIME. it has been almost 20 years since I was in an ambulance and the debt was paid in full. Now this new account opened up with my name, my SSN and an OLD address of mine. THIS DEBT IS NOT MINE AND XXXX FAILS TO CORRECT THIS. XXXX and XXXX have removed this debt. The collection agency is BAY AREA CREDIT SERVICE. Please help me to get this debt off my credit report.. IT IS NOT MINE.
Product: Mortgage

Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter.
Product: Checking or savings account

I opened a checking account online on XX/XX/22 with XXXXMorgan Stanley XXXX They allowed me to mobile deposit 2 checks, 1 from XXXX XXXX for closing that account and the other being my MN XXXX XXXX. Both checks cleared and posted to my account totaling {$3500.00}. Then the bank decided to freeze all my funds for no reason at all. I was instructed to call to fix the issue. When I called I was told to write a letter requesting that they look into why my account was frozen and upload it along with my state ID. I had to renew my MN DL in XXXX and still haven't received my hard card yet so I had to upload my temporary paper government issued ID with the letter. They refused to use that as a government ID. I called them 5 times in 2 weeks trying to get my funds unfroze to no avail. So I finally just requested that they just close my account then and return my funds to me. They are refusing to return my funds and close the account now as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts was still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i. The following accounts listed below are still reporting on my Credit Reports and need to be corrected in my file immediately : XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$67.00} XXXX XXXX XXXXXXXX XXXX : {$53.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My debt to the doctor 's office was {$1000.00} and I wanted to pay the same day the collection company called me, but unfortunately they ask for {$1400.00}, they also put it on credit report.
Product: Mortgage

Please look at the spreadsheets from years ago and see the fake ones they sent me. You can see for yourself all the numbers they forged and overcharged us for. Our loan does not have a late payment policy or NSF policy so all these fees need to be returned. YOU refuse to answer us on this. LOOK at them, XXXX. So many lies it's unreal. Look at the bank payments I am sending. None of it matches. NONE OF IT! Payments are being applied where ever they want them to appear or they are missing. XXXX representative XXXX will be more than happy to go over the account with you. XXXX XXXX STATEMENTS DO NOT LIE. LOOK AT WHERE THE XXXX DOLLAR PAYMENT IS MISSING AND 8 XXXX PAYMENTS ARE MISSING. 

THE LOAN PAPERS ARE ATTACHED AND NOWHERE DOES IT SHOW YOU CAN CHARGE ME ANY OF THESE FEES XXXX. NOWHERE. PLEASE PROVIDE ME A PROOF OF OUR SIGNATURE AGREEING TO ALL THESE PHONEY FEES. ALL OF THE FAKE CHARGES IS A CRIME. 

YOU CAN NOT BE BLIND. JUST BECAUSE YOU REFUSE TO ACKNOWLEDGE IT DOES NOT MAKE IT DISAPPEAR. I AM ATTACHING OUR LOAN AND YOU SHOW ME WHERE THEY HAVE THE RIGHT TO CHARGE FAKE LATE PAYMENTS AND FAKE NSF CHARGES. WHERE DOES IT SHOW YOU CAN CHARGE ME FOR A CHANGE OF LOCKS AND LONG-FORM FEES FOR XXXX XXXX DOLLARS? IT DOES NOT XXXX. WHERE DOES IT SHOW YOU CAN CHARGE XXXX FOR LATE PAYMENTS? EVERY LATE PAYMENT IS FALSE AND I WANT IT REMOVED ASAP. IT'S THOUSANDS OF DOLLARS. I WILL NOT STOP EVER TILL ALL OF THIS IS EXPOSED ON THESE CROOKS. HOW CAN YOU CHARGE MY ESCROW A XXXX MORE FOR PAYING FISD SCHOOL TAXES? YOU DO NOT ANSWER ANYTHING BUT TYPE UNRECONSTITUTED INUENDOS. SO STOP WITH YOUR EDUCATED FAKE THEORIES AND GET SOME GLASSES. I AM EDUCATED AS WELL AND WORK IN THE COURT SYSTEM SO KNOW FOR A FACT WHAT YOU ARE DOING. YOU THINK YOU CAN JUST THROW IN YOUR EDUCATION WITH A SOMEWHAT THREATENING DEMEANOR. IT DOESN'T NOT WORK FOR ME AND I FIND IT LESS THAN ENTERTAINING. YOU HAVE MET YOUR MATCH AND UNLIKE YOU I WORK FOR THE WELL-BEING OF OTHERS NOT THE PAYCHECK. WHEN I TELL YOU THEY ARE STEALING FROM XXXX YOU CAN BANK ON IT. I HAVE NO REASON TO LIE. WHY WOULD I? WHAT WOULD BE THE POINT? SO ALL THE LAWSUITS AGAINST YOU ARE JUST MAKE-BELIEVE? GOOD GRIEF. 

KEEP RETALIATING AGAINST XXXX AND WE WILL FILE WHISTLEBLOWING. 

KEEP THREATENING TO TAKE OUR HOME WHEN ALL WE DID WAS REPORT THE THEFT AND YOU WILL FIND YOURSELF IN ALL KINDS OF TROUBLE. ONE MORE FAKE PAYOFF STATEMENT WITH MONEY OWED OR THE COMMENT ABOUT RELEASING OUR DEED TO THE SECURITY INSTRUMENT TO SCARE XXXX WILL CONSTITUTE EVERY ASPECT OF THIS LAW. 

( Almost anyone with evidence of fraud or misconduct can be a whistleblower. You do not have to be a current or former employee of the company that engaged in fraud or misconduct. ... )
Product: Money transfer, virtual currency, or money service

Cash App Has been taking money out of my account every day for the past 2 year 's and everytime I call to dispute it or talk to customer service they have to ask for my personal information I.E. Cash app Tag, my address, email address and telephone number. Once they get access to my account they tell me they don't see anything and I know for a fact my card is ALWAYS locked and the amount that I had on there is wayyyy different then what it was before
Product: Debt collection

I was data breached from XXXX and was sent a settlement pay, I received att bill saying XXXX balance! I have requested them to remove it from my credit report! And I am trying to get them to stop trying to issue it
Product: Mortgage

My Loan Modification finalized after a 3 month trial period, and new loan terms effective XXXX/XXXX/XXXX at which time the loan was to be brought current and all trial period payments applied. Selene Finance has been holding my mortgage payments in a suspense account, not applying them, since XX/XX/XXXX.No Interest has been reported to the IRS for XX/XX/XXXX. 
Selene has also been reporting this loan delinquent since XXXX/XXXX/XXXX. 
Both instances are in direct breach of the loan terms agreed upon. 
This loan was not finalized in a timely manner nor has the terms of the loan contract agreed upon been complied with. 
They have been a nightmare to deal with.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX 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: Mortgage

This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX, I'm writing to Complain about Macys Credit card I recently bought a new house and during closing, the Borrower closing requirement is to present a Cashier check paying off my credit card debt, XXXXXXXX XXXX XXXX XXXX Texas send my Payment to Macys, The Amount of {$8800.00} on XX/XX/2022, Macys received the Check and Cashed it on XX/XX/2022 but failed to update my account till this present Moment, Macys Continue to report my Credit Usage as High, Charging me Interest rate on a debt that has been paid, all effort to resolve the issue with Macys prove Abortive. 

Attached is the Copy of the check front and back that indicate Macys City Bank cash the check on XX/XX/2022 This has cause my credit score to go down and prevent me from buying car, because i will be paying High Interest rate with Low Credit Score. 
I have called Macys Several times with No result, i have submitted a Dispute no response.
Product: Debt collection

XXXX ( the original creditor ) sent me a letter saying this was being deleted. But Midland is still reporting it to the credit bureaus
Product: Credit reporting

I am going through a divorce with XXXX XXXX XXXX, XX/XX/XXXX, address is XXXX XXXX XXXX XXXX, XXXX, WV XXXX. XXXX XXXX has used my cc to charge multiple services on my XXXX Credit Cards, for ex : Instant XXXX. He has created multiple email addresses to obtain information from my credit cards and/or credit report. The email addresses being used are XXXX # XXXX, with my name being XXXX XXXX, Also, there is XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. XXXX XXXX has been letting XXXX XXXX XXXX XXXX, DOB - XX/XX/XXXX ( my sister ) and XXXX XXXX XXXX ( my cousin ) use my ss # in order to obtain Credit cards for their personal use. This activity has been going on since XX/XX/XXXX until current. XXXX XXXX has been doing it longer. Please help me, I feel my credit is being destroyed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a email, due to. XXXX XXXX hacking into them ... You may try and use XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX. Listed inquiry do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Report
Product: Credit reporting or other personal consumer reports

Dear Equifax, I received your attached response to CFPB complaint number XXXX dated XXXX XX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX ( which has also been attached to the present complaint for reference ) as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which the data furnisher requested to have the account information reinserted and submitted a certification that the account belongs to me and that the information is complete and accurate.

Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be permanently deleted from my credit report you maintain
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

I was previously in the reserves component of the XXXX XXXX. During a XXXX XXXX XXXX training in XXXX 2023 I applied for the Amex Platinum Card . Customer representatives assured me that despite my previous status as a XXXX, due to the 45 d XXXX XXXX  stint, I would be approved for XXXX and subsequently have the annual fee waived. I XXXX in the regular component of the XXXX 3 months later and was told that I was not eligible for XXXX benefits because at the time of opening the account, I was not XXXX XXXX. Despite countless conversations with representatives, proving orders showing I was on XXXX of XXXX XXXX when I opened the account, and additional orders showing permanent XXXX XXXX status thereafter, I was given the runaround countless times. Each time the representatives would open an additional inquiry. I would then receive a letter in the mail months later with no information other than, " you are not eligible for XXXX ''. Despite being approved for SCRA benefits, I was told it would not apply retroactively, which is in violation of the SCRA law. Despite countless calls to try and have this straightened out, most of these calls would end with empty promises, representatives hanging up on me, or additional inquiries that wouldn't resolve for weeks later.
Product: Credit reporting or other personal consumer reports

Per FCRA, as a federally protected consumer, I exercise my right to opt out of any and all authorization, I the consumer may have given XXXXXXXX XXXX XXXX XXXXXXXX, Equifax, XXXX, all other credit reporting agencies whether written, unwritten, verbal, and non verbal for the following account : Green Dot Bank Account Number : XXXX XXXX  XXXX XXXX All pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent.
Product: Mortgage

In XXXX XXXX XXXX  was the servicer of our mortgage. We aske for a modification in XXXX of XXXX so that we could us that money to catch up on some debt due to covid. we were allowed to not pay for XXXX, XXXX, and XXXX of XXXX. The modification was to roll these payments to the end of our load. We signed and notarized the modification paperwork and sent it in. In XXXX we were sent notice that our loan had been sold to a different servicer call BSI. We maintained paying our loan which I have the bank statements to prove, but since the modification wasn't completed by XXXX XXXX, even thought we signed the paper work and sent it back to XXXX XXXX. it has been almost a year waiting for BSI to get the account cleared up. I have received a loan statement dated XX/XX/XXXX that states I owe {$11000.00} in back payments. They have my account listed on their website as being behind 224 days, and they have reported to the credit bureaus twice that I am 120 days behind. Causing our credit average to drop nearly 100 points. I have contacted them by phone and e-mail to try and get them to stop the modification process and let me refi since the rates are now lower than what they are giving. Since they have reported my " late '' payment I will not be able to qualify for a refi because of there predatory attitude to my account. I would like some help in clearing this account knowing where the account balance is, so that I can refi with a company more reliable then BSI.