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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Mortgage

My loan was sold to another servicer by Mr. Cooper to XXXX Mortgage but I was not given the required 15 day notice of this action. I have to stop payment to Mr. Cooper, download all my tax documents before I no longer have an account with them, figure out how to pay my new servicer, notify my insurance, ensure my escrow is still being funded properly, etc. 

I received one letter on XX/XX/23 indicating this process would be taking place by XX/XX/23. 

This is the fourth time my loan has been sold to another provider in two years. I never agreed to any of these transfers. It is difficult to track exactly who owns my house at any given day and to ensure I'm not receiving fraudulent information and sending huge sums of money to a bogus mortgage company.
Product: Credit reporting, credit repair services, 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 taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. 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 tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Multiple reporting for the SAME card. When this happens, general purpose and store cards are contributing to the REAL debt already reported. As a result, debt is a HIGHER INCORRECT amount and I am at risk of only being offered high interest rates on everything I apply for or being turned down on all applications. How can anyone trust their score to be correct when errors like this continue to happen? NOT happy!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Bankruptcy - XXXX XXXX U.S. Bankruptcy Court - XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year>
Product: Debt collection

I realized that my credit scores got dropped down and the amount charged was too much as at XXXX of XX/XX/2022 and they always call and Threatening me over debts I dont owe them and it has been a old report in my credit score which they filed such to every credit card companies and other collections companies which they charged about {$3800.00}
Product: Debt collection

My account was placed with a Company named Pressler and Pressler in XXXX NJ. I owed a bill from XXXX back in XXXX. Pressler and Pressler bought the account off XXXX and then reached out to me regarding a past due balance I owed. However after many years of the back and forth they reached out to my Employer for a Wage Garnishment which took effect on XX/XX/XXXX and every 2 weeks moving forward 10 % of my income would be deducted from my pay until the Balance was paid in full. Up until today 's date XX/XX/XXXX the balance owed is/was {$680.00}. On Friday XX/XX/XXXX Pressler had a Bank Levy put on my account and withdrew {$1200.00} and a {$120.00} processing fee. After contacting Pressler on the same day of XX/XX/XXXX and speaking with a Gentleman, he told me that I owed the account for years and that the Levy was placed because no payment or agreements were made. I explained to him that I had proof from my Payroll company that payments were in fact being made and I could provide proof if needed. He informed me that being the account was owed for years and since the Bank Levy took place already that if there was anything they could do it would be to subtract what I made in payments once verified or they would continue with the Garnishment and send me back all of the {$1200.00}. but more then likely it would be to send me the difference of what was withdrawn from my Account. He said he would call me back by XXXX the same day and no one has yet to contact me. I have yet to hear back them or receive any monies back in my account and due to this unnecessary Bank Levy they put on my account it has caused my rent to be late, bills to be late and my Checking Account to be overdrawn with overdrafts fees that I am accumulating from things coming back and not being paid and has caused me great financial burden and stress as I have XXXX children to take care of due to what this Company has done.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home. Nelnet is reporting several accounts to credit bureaus as open with balances and that is not true. Nelnet transferred my loans to XXXX in XXXX of XXXX. Thus my nelnet balances are XXXX and the accounts are closed but Nelnet is inaccurately reporting to the credit bureaus that I have open accounts with balances. I submitted a dispute with the credit bureaus and they determined I need to reach out to the provider. I submitted a dispute to Nelnet via certified mail with supporting documentation and they still have not corrected the errors.
Product: Money transfer, virtual currency, or money service

This time last year I was a victim of fraud or a scam through XXXX, Bank of America. I immediately called the fraud department and had them close my account but not before {$3500.00} was transferred to the individual and deposited in the bank in California. I called numerous times and spoke with at least 12 different people over the course of a couple of months period they finally told me there was nothing they could do because I authorise the transaction period I used my mobile phone and my laptop computer. I was trying to speak with who I thought was a representative of XXXX, who I later found out this was a scam Internet site. I stayed on the phone for quite a while speaking with this person but I still did not give out any personal information. I thought the person I was talking to was legitimate at the time. 
After many many attempts to get this resolved through Bank Of America I was finally informed by letter that there was nothing they could do because I used my cell phone. I have been a customer since XX/XX/XXXXand I was shocked at the response and indifference. Apparently they closed the case and I am without my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Vehicle loan or lease

I am writing to address several inaccuracies on my credit report regarding a voluntary repossession due to mechanical failure and catalytic issues with a vehicle that falls within the lemon category. Firstly, the account status listed does not accurately reflect my current financial standing ; it should be marked as closed. Additionally, the number of months reported for this account is incorrect ; it should be 72 months. The date of last activity is also inaccurate ; the actual date is XX/XX/year>. Furthermore, the number of months reviewed in each credit report does not align. Regarding payment status, payments were consistently made prior to the surrender in XXXX, contrary to what is reported. Lastly, the reported monthly payment amount is incorrect ; the accurate figure is {$300.00}. I kindly request that these errors be rectified promptly to ensure the accuracy of my credit report. Thank you for your attention to this matter.
Product: Prepaid card

I received a {$250.00} Vanilla Visa gift card for my birthday from my dad in XXXX XXXX. I went to open it on XX/XX/XXXX and some of the card numbers on the front were missing - I called customer service to get my full card details. 

I was informed by customer service that my card had been used at XXXX and XXXX and had a XXXX balance. I have never shopped at XXXX XXXX in my life. 

The customer service agent was rude and told me I would have to wait up to 90 days for an investigation. I JUST opened my card to use it for a purchase, and now I have no card. 

They took my information and told me they would contact me. They sent me an email with my name and address incorrectly detailed. My Case : XXXX
Product: Mortgage

On XX/XX/XXXX Plaza Home Mortgage took XXXX out of our escrow account and paid themselves XXXX on XX/XX/XXXX. 

Then XX/XX/XXXX the loan was released with a negative escrow of XXXX to XXXX XXXX XXXX. In the month of XXXX our mortgage payment went from XXXX to XXXX which put me and my family in a tight spot. 

We refinanced our house to pull funds out of equity to pay off other debts so we could afford this new house note our starting principal was XXXX and our now principal is XXXX. 

We also had the hardest time paying off my loan care because they rejected the pay off amounts 4 times once I did a conference call with the lady from title source they put us on hold and hung the phone up in my face. They said the reason for rejecting the payment because it was not the full amount and the lady from title source said that is not the case so after they hung up the phone it left me with no other option but to pay XXXX to meet the new pay off amount with hopes of them closing out the loan so I wont have two mortages open at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC # : XXXX Dear Experian Credit Bureau XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with Experian, fraudulent accounts remain on my report, contributing to a significant decline in my XXXX XXXX, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint ( FTC # : XXXX ) and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

XXXX Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 It is your legal obligation to correct these inaccuracies. Case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. XXXX failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found multiple errors on one of my accounts ' payment history. The report shows a late payment, even though I actually paid on time. It's crucial that consumer reporting agencies provide accurate information. I'd like to point out that it's not possible to go from paid on time to 60 days late without a prior progression.I 've attached a copy of my credit report to illustrate the incorrect information, along with the specific date : XX/XX/year>. The account number is ( XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX. I'm requesting that you DELETE this account off of my report. I've given two chances to investigate, and it still contains errors. Please delete it .Thank you for addressing this issue promptly.
Product: Mortgage

In XXXX of XXXX I submitted a modification application due to increased expenses and decreased income over the current year. Upon receipt PennyMac requested additional information to support financial hardship from XX/XX/XXXX. I did not fill out my paperwork for hardship on XXXX. However I tried to provide information supporting hardship from XXXX. I provided W2 and wage transcripts showing a loss of yearly income from XXXX totaling a combined loss of income near {$78000.00}. I provided copies of bills and was told this wasn't sufficient. I asked what documents they were specifically looking for and was told a " bank statement ''. First I don't know what a bank statement is going to show and second I don't have a clue who I banked with in XXXX. When I questioned why they are asking for information from XX/XX/XXXX I was told because I was delinquent the first month the last modification payment was due. I explained by letter why I paid late after the modification in XX/XX/XXXX was I called to make my payment in XX/XX/XXXX and the agent informed me they had no record of a modification for my loan. At a later time I was informed that the modification wasn't approved until the trustee for my XXXX  XXXX bankruptcy approved it. I was not making payments to them before they signed the modification. I again was asked to prove financial hardship in XX/XX/XXXX. I don't know how to prove something I didn't state I had in XXXX. 

I would also I like to mention that I was out on a Covid forbearance for a year from XX/XX/XXXX until XX/XX/XXXX. They never offer a repayment plan or any of the option stimulated my the CARES Act and they pulled requesting evidence of financial hardship in XXXX when I applied for a modification back in XXXX. I got no help and finally was forced to pay the delinquent amount back in fill out of pocket which was over {$6000.00} and included {$1900.00} that was to be paid back in my bankruptcy plan. This was paid in XXXX and XX/XX/XXXX leaving me with {$0.00} in savings. 

I have pulled the USDA loss mitigation guidelines and PennyMac is not following them and refuses to offer any assistance. If they are committed to keeping me in my home why are they playing games?
Product: Checking or savings account

An authorized charge for {$99.00} from XXXX XXXX appeared on my XXXX sons account. This company is already the subject of at least XXXX CFPB lawsuit and the phone number associated with the charge directs you to email if you see an unrecognized charge on your account. Active obtains the email and card number when a consumer purchases a ticket or event and the transaction is processed by XXXX  which later charges a membership fee. Active even has a primer published on how to defeat chargebacks of these charges.. My child did not sign up for a membership ( nor is of age to sign a contract anyway ). Fidelity through its agent and issuer of the debit card PNA Bank ( apparently then managed by XXXX XXXX ) refuses to chargeback this transaction.
Product: Mortgage

We are a small XXXX and this home has sat vacant for at least 5 years. We periodically get notices of pending foreclosure that will happen but nothing does. This home owes the association {$4700.00} as of XXXX XXXX, 2016. This home has had multiple break ins and the front door is no longer secure. Additionally the yard is an eyesore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : XXXXXXXX XXXX XXXXXXXX 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

My XXXX  XXXX  went to collection. I paid in full. XXXX continues to report as charge off.
Product: Credit reporting or other personal consumer reports

This account contains incorrect information, and I request that it be removed from my credit report. Despite providing documentation supporting my claim, the credit bureaus failed to correct or delete the inaccurate information within the legally required 30 days. Section 623 ( 15 U.S.C. 1681s-2 )