23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Currently I am a New Jersey home owner facing difficulty involving my mortgage company in obtaining a loan modification. This all started in 2011 when the present mortgage company purchased my loan. After continuous failure to achieve this goal and contacting various credit counseling agencies for assistance they continuously keep dragging their feet and finding loop holes. The latest issue is having their appraisal company perform an appraisal on my property, whose composites where more than half a mile or better away and valued at less than half of another reputable realty company with composites in my immediate area.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I send a letter to Experian in the request for verification of the debt shown as XXXX XXXX XXXX {$320.00}. This account remains on my credit report without validation of the debt pursuant to Section 609 ( a ) ( 1 ) ( A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ALIAS NAME THAT NEED TO BE DELETED AS WELL AS 2 PREVIOUS ADDRESSES THAT ARE NOT MINE
Product: Debt collection

I have been disputing capital one for 8 monthsI have sent them about eight letters to verify my debt verification I never received anything the first XXXX or till now I have call them I can get thur to anyone who can help me capital one has came off my XXXX but its still on my XXXX XXXX and XXXX and reporting every month. Its illegal for them to keep reporting on my credit report without show me any documentation about my debt or my agreement
Product: Debt collection

I went through my credit bureau to dispute these claims because I have not been to the doctor in over a year now and should not have any recent medical bills but the company is insisting this is my bill with no proof of a visit ever occuring to help explain why they would think this was me or which doctor or hospital is requesting that the debt be collected.
Product: Debt collection

On XX/XX/XXXX, I talked with Portfolio Recovery about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from Portfolio Recovery dated XX/XX/XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that Portfolio Recovery having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to XXXX XXXX, I was only an AUTHORIZED USER and not responsible for this debt.
Product: Checking or savings account

I have been charged XXXX dollars so far this year in over draft fees. I got a phone call from the manager at PNC and I tried calling back several times and no one has returned my phone call.
Product: Credit reporting or other personal consumer reports

I recently requested an updated copy of my credit report. After reviewing, I notice several inaccuracies on my credit report. The XXXX XXXX XXXX XXXX  account is hurting my ability to obtain credit. Experian is supposed to investigate this account to ensure accuracy. Here is the account that I am asking to verify as accurate or inaccurate. 
Account name XXXX XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit card

I just found out that American Express increased my APR to almost XXXX % a little under a year ago. I contacted them to see when they notified me of the increase, and they claimed they did so on XXXX/16. I never received any notification through the mail or telephone, and I also searched my email around that date and see no notifications from them.
Product: Checking or savings account

Dear Sir or Madam, Back in XX/XX/XXXX, I've received an offer from HSBC for {$750.00} bonus when a checking and savings account will be opened and some requirements will be met : https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # premier-checking-details On XX/XX/XXXX, I opened both checking and savings accounts, funded the savings account with {$100000.00} ( the required combined balance between the 2 accounts had to be at least {$100000.00}, as required by one of the conditions ). 
Another requirement was to maintain a balance of at least {$10000.00} for 90 days and then, approx. 8 weeks after the initial 90 days, {$750.00} will be deposited into the checking account. 
On XX/XX/XXXX, HSBC took the initiative of closing my checking account and forfeiting the {$750.00} bonus, although they still have my {$100000.00} in the savings account. 
All my attempts to resolve this issue with HSBC were unsuccessful. Therefore, I'm kindly asking for your assistance. Should additional information be needed, please let me know and I'll gladly provided. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

SECOND NOTICE FORMAL DISPUTE LETTER ( For XXXXMidland Credit Management Debt Collection Notice XXXX Midland Credit Management , Inc . 
Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Cease and Desist All Collection Activity Dear Midland Credit Management, I am writing to formally dispute the validity of the alleged debt referenced in your Pre-Legal Notice dated [ Insert Date ] regarding account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Disputed Account Details : Original Creditor : XXXX XXXX XXXX XXXX 
Merchant Name : Diamond Preferred Charge-Off Date : XX/XX/year> Current Creditor : Midland Credit Management , Inc . 
MCM Account Number : XXXX Alleged Balance : {$7400.00} I am demanding full validation of this debt, including : A complete account history, including statements and signed agreements proving my liability. 
The original contract or agreement with XXXX XXXX XXXX XXXX that establishes my legal obligation. 
Proof that your company legally owns or has been assigned this debt. 
A breakdown of the alleged balance, including principal, interest, and any fees applied. 
Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Any further attempt to collect this debt without proper validation may be considered a violation of the FDCPA.

Additionally, if this debt is inaccurately reported to credit agencies, I am requesting its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. 

Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. 



Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable )
Product: Payday loan, title loan, or personal loan

Applied for the loan and was contacted to provide documentation. I am currently on XXXX XXXX military orders and had no problem providing all the information that was requested. I sent XX/XX/XXXX bank statement, pay stub for pay date XX/XX/XXXX ( most recent ) and front and back of ID. 

I was then told that it had to go to underwriting because I was in the military. Again, no problem. They came back and said they needed a pay stub that said " mid month ''. I say okay. I send them my stub for XX/XX/XXXX & XX/XX/XXXX. They come back and say the loan is approved but they need to verify income ( again ) and ask for access to my bank account to verify income as if the bank statement with both XXXX direct deposits and the 3 pay stubs weren't sufficient. 

When I asked again what the issue was, I was told that my income doesn't add up and the information underwriting needs isn't present on my stubs. 

In my opinion, their underwriting team does not know how to accurately read a military XXXX. They are telling me that the information they need is NOT on my federal pay stub which is completely absurd. 

I've dealt with a different branch location for Onemain before and never had any issues and I'd appreciate someone looking into this matter to ensure other military members do not experience the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a self lending thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. Self terminated my account when there was an issue withdrawing my payment, and they still report it at XXXX days past due. 1 ) this was never money owed to them ; 2 ) I wanted to participate in the program but they terminated the account but are still reporting it past due
Product: Checking or savings account

Im not sure exactly why my account is temporarily suspended, but it has been for almost a month now Ive called every single day now and escalated it through a manager, they obviously wont tell me why and I havent done anything wrong, theres a lot in my savings about XXXX in a little in my checking maybe XXXX or XXXX that I need to pay my rent so now I owe extra on that like I said its been going on about a month And in the first email all they asked for was proof of address and a government ID so I sent them both of those along with a birth certificate along with my source of income. Then I didnt hear anything for at least three days so I called Chime again and they escalated it and I only got the same exact email about two days later and the same process because they said the format of the other one was not correct, so I waited a day and then called back and the process restart it over again and Im starting to get irritated and now this time theyre asking for more documentation other than what I had change the format of my ID and resubmitted it and now they were asking my sources of where my first deposit was, etc. which I have no idea because XXXX cant access my account and basically Ive been stuck in this loop of calling them getting it escalated getting the email sending the information getting an email saying they need more calling, etc. and this is chime bank account They also brought up the source of my original deposit being my XXXX XXXX XXXX  ) which is only {$900.00} and theyre talking about {$55000.00} or something in me to describe each transaction but Im only allowed to upload 10 images and I have to change the format on all of them, which I see is impossible, and frankly none of their business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  After reviewing my credit profile. The payment history is inconsistent amongst all 3 bureaus from XX/XX/XXXX until XX/XX/XXXX. Experian is verifying on time payment for some months that XXXX XXXX XXXX is showing late. How was this account verified?

How can all 3 bureaus show different payment history for 1 account? This is a violation of FCRA laws and my consumer rights.\ Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XXXXHere is the attached letter, however, the credit bureaus failed to remove the one that did not response in 30 days or those that failed to provide proper documentations to show ownerships. 

According to the law 15 U.S CODE 1681i - Procedure in case of disputed accuracy. 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 the 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.
Product: Credit card or prepaid card

Trying to get refund to original form of payment from Citibank visa for a charge for XXXX XXXX tickets for XX/XX/XXXX thru XXXX. This flight was cancelled by XXXX XXXX not by us. Citibank refuses to refund or let us appeal. We will lose {$2000.00}
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX P XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/, I created a joint savings account with BMO XXXX ( the online banking division of BMO ) and successfully ACH transferred {$340000.00} into this account. See attachment for account details. On XX/XX/, I attempted to ACH transfer out {$31000.00} to another bank. On XXXX I was notified by e-mail from BMO XXXX that my account was frozen. I was notified by a second email on XX/XX/XXXX  that {$31000.00} had been returned to my account due to fraud detection ( see attachment ). I called the number provided in the email ( XXXX ), but was told I must call their fraud number at XXXX. Ive called this number over 50 times, but continuously receive a message stating the mailbox is full. I contacted the customer service number several more times ( XXXX ) and asked to speak with a supervisor, but they insist my only option is to continue calling the fraud number until someone answers. I then researched complaints online and found a recent post describing the identical problem without resolution for several weeks ( see attachment ).
Product: Debt collection

I noticed on XX/XX/2020 that my credit score dropped significantly due to a collection/chargeoff that was not mine nor I have never recognized before. I called the Bureau name ( Sequium Asset Solutions ) who said they don't have any information of me on file. They told me to call the Original lender ( 11 XXXX XXXX ) who also said they do not have any information of me on file as well. 11 XXXX XXXX  is a cable provider that does not even service the location I live in. This is a charge that is not mine and would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax never sent me my investigation results on a dispute I had made on XX/XX/2023 regarding a charge off from XXXX. Throughout these months Ive been calling to get the investigation results mailed to me and an agent says that they will mail it but I still have yet to receive it. Equifax was supposed to send the investigation results 5 days after the completion of the investigation which was on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Nothing was resolved and I constantly kept trying to tell them I had no knowledge of the information. Experian has failed to fulfill its legal obligation again 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 foward consumer-provided evidence.
Product: Credit card or prepaid card

When I book online I see I have a credit card opened under my name, and I never applied for this credit card. A company that is called COMENITY BANK/VCTRSSEC. A credit limit of XXXX XXXX
Product: Debt collection

I have health insurance which was given to the Secretary during my visit. Reference '' XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Please submit charge to these insurance companies.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account : Waypoint Amount : {$510.00}
Product: Debt collection

Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$710.00} on or about XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally address ongoing issues with XXXX credit reporting on my profile. Despite multiple disputes filed with XXXX regarding certain accounts, these inaccuracies remain on my credit report, negatively impacting my financial standing and overall creditworthiness. 
I have disputed these accounts on XX/XX/year> and have followed all necessary steps to provide supporting documentation to back my claims. However, these inaccuracies have not been corrected, and the accounts continue to be reported incorrectly, making it clear that XXXX has not investigated my disputes thoroughly or in compliance with the Fair Credit Reporting Act ( FCRA ). 
As a result, I am a victim of erroneous and damaging reporting, and I demand that all inaccurate information be immediately and permanently removed from my credit profile. I expect that XXXX will take prompt corrective action to ensure the accuracy of the information they report. 
XXXXXXXX XXXX XXXX  key point inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

USAA stopped follow reg E due to their contract with Visa this is not a Government mandated change but an internal policy that does not follow government laws. This is confirmed by the recorded call between myself and XXXX XXXX XXXX Advocacy Advisor for USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least 4 of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from XXXX ( XX/XX/XXXX ) and Capital One ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Product: Debt collection

I would like copy of contract with my authentic signature that begun this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about a hard inquiry appearing on my credit report dated XX/XX/2019. The inquiry shows it is from XXXX on printed report and as XXXX on XXXX XXXX. 

In my CFPB complaint # XXXX ( a copy attached to this complaint ), XXXX replied with the following : " We received an application on XX/XX/XXXX using information that verified to you. We accepted the application as fraud on XX/XX/XXXX after speaking with you. We were unable to locate any letter from you regarding this matter previously. We asked the credit reporting agencies to mask the credit inquiry from your credit report on XX/XX/XXXX and again on XX/XX/XXXX, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. This will not negatively affect your credit report, and it will not be visible to creditors. " XXXX has stated that they informed Equifax " to mask the credit inquiry '' but Equifax has failed to do that.
Product: Debt collection

This company has been asked over and over to remove negative information about me on my personal records and reports I have ask the company representative reporting this information to fix this problem and make changes and I have give them the time that it should take so now I understand that it is more than that they are leaving people with incorrect information on their records they dont talk with you about anything they do they just do as they feel comfortable doing this is not government policy business why are they able to use your personal information again I ask them they tell me to discuss and dispute everything well what is the situation Experian can and will do better.