23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made several attempts to reach out to the debt collector and notify them that the debt they are listing is not a valid debt. They are attempting to collect a debt for XXXX, but I have never had an account with XXXX. If necessary, I am prepared to file a police report, as this may be identify thief. Each time I've called they have been extremely rude and have refused to provide any documentation related to this debt.
Product: Checking or savings account

BMO bought Bank of the West in the first week end of XXXX I paid the remainder of my rent for XXXX but my account was short {$68.00} I have overdraft draft protection so I called my landlord to notify it would be ok. BMO returned my check for insufficient funds. I called 3 times to correct it. I emailed them from work. I was told I do not have overdraft protection. Because of this error I was charged a {$50.00} late fee and got a 3 Day Notice to Pay or Quit. I changed my direct deposit to XXXX XXXX  because I don't trust this bank BMO. I want a resolution.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX : Balance : {$110.00} Account Name : XXXX XXXX XXXX XXXXXXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX : Balance : {$74.00} Account Name : XXXX XXXX XXXX : Balance : {$5200.00} Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX : Balance : {$950.00} Account Name : XXXX XXXX XXXX : Balance : {$6700.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$4100.00} Unauthorized Inquiries XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

I have a paypal account I have used for years. I have recently added a business to paypal and made a payment which my latest activity which involved a family member. 
I logged in to see what else I can do to build my presence as XXXX XXXX XXXX. 
Then I noticed my account is permanently disabled due to violations? 
No specific violation is pointed out and I'm not given the opportunity to resolve the issue.
Product: Debt collection

medicredit keep trying collect a debt from me, after I sent a letter to them to stop all communication, unless they provide me with a detailed information about the debt, ( proff attached of the letter I sent them ) Also they sent me a personal information shared from Hospital, itemization of the hospital services, Hospital should not share this type of information to third parties,, I asked them for proof like any agreement signed for me that make me responsible for the debt, like I said before when I spoke with them I don't recognize the debt .. they should send me proof or stop this debt immediately or if they already reported to my credit report, they should let them know that this debt is disputed..i also asked more information about their authority in florida for collect debt XXXX ( license information and number ) All information requested from me to them has not provided with the time frame allowed by laws from my first call to them, again please stop this collection and if you forward to any other, let them know this the is in dispute... 
I sent them a letter on XX/XX/2022, they received on XX/XX/2022 I should receive the information requested by XX/XX/XXXX, other way they should stop this collection..
Product: Mortgage

I have been having conversations with the mortgage company majority of XXXX. On XX/XX/XXXX I reached a representative and they try to just transfer me to some other department, which was only giving me the option to leave a voicemail which I have done several times before and never received a call back. I called on they were the XXXX and XX/XX/XXXX and I cant reach anyone. The phone service is saying that they are having technical issues and Im unable to reach a representative. The reason why I was trying to reach the company was because there was a change in my home owners insurance by {$300.00} and its not being reflected on my account. I was told previously once the modification got complete that it would be updated. And it has not been updated at all to reflect the difference in the amount of my homeowners insurance
Product: Credit card or prepaid card

This is against Penfed Credit Union. On my XXXX statement I noticed that I have been getting a {$3.00} charge for a cash advance. I contacted them to ask about this cash advance as to when it was made and how much. I have not gotten a response as to date. I called and could not get an answer. Penfed # XXXX Thank you for contacting PenFed. 

Weve received your support case ( XXXX ) and have forwarded it on for reviewa representative will be in touch with you as soon as possible. 


Sincerely, PenFed XXXX XXXX Take PenFed with you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a customer reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. We ( XXXX XXXX and his wife XXXX XXXX XXXX applied for home mortgage refinance with QuickenLoans ( Rocket Mortgage ) online on XX/XX/2021. I got a copy of " Your Refinance Solution '' dated XX/XX/2021 form Rocket Mortgage on line, which indicats that ( see the attached " # 4 ) '' for verification ) : Your Refinance Solution These are the refinance options that you qualify for based on the info you gave us, your credit score of XXXX and XXXX 's credit score of XXXX. The recommended option is the one we think is best for your financial goals ... 

As " Your Refinance Solution '' confirms both XXXX XXXX XXXX 's credit scores of " XXXX '' based on which the recommended option is the one we think is best for your financial goals. I contacted the Client Relations Team of QuickLoans immediately and complained about the fake credit scores of " XXXX '' based on which QuickenLoans processed my application for home loan refinance. I received an email reply starting with ... My name is XXXX XXXX with the Client Relations Team that looks at the incoming feedback that we get from our clients. I received your feedback, and I am a little bit confused in what you were asking ... 

Later on QuickenLoan sent a copy of Your Credit Score and the Price You Pay for Credit by mail to us respectively ( see attached " # 1 ) '' & " # 3 ) '' for details ). As I mentioned within my email dated XX/XX/2021, we still don't understand why and how our true credit scores were instead. This is the first time we recognized that someone submit false credit scores, an intentional wrongdoings, which might benefit someone illegally XXXX especially, we might be too old to stop the wrongdoings XXXX! 

P.S. Please see the attached documents # 1 ), # 2 ) & # 3 ) for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.XXXX credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card
Product: Student loan

XXXX University ONLINE was closed and all previous campuses are now XXXX. I continuously try to reach out to customer service, can never reach them AND I can never log into my account. I receive notice that my password is incorrect. I request temporary ones and those to, hinder me from accessing. During my time with XXXX, I had an advisor XXXX XXXX - I do believe was his name - He assisted me and then was no longer professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax failed to fix my credit from XXXX wihtin 30 days tool them 90 days in the meantime XXXX  and XXXX  rmeoved the fraud charges that was reported by XXXX XXXX in 20 days. Equifax is a terrible company they never take calls they are a total fraud and need to be investigated themselves. How dare they not able to fix this in a timely manner. Please investigate them and stop sending false info to your customers.XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

XXXX : XXXX XXXX. 
Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX TransUnion ; XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Product: Credit card or prepaid card

Payment in the amount of {$200.00} was made on XXXX to XXXX XXXX, account ending in XXXX, does not show posted or pending as of today. XX/XX/10. I've checked with bank, payment does not show posted on their end or in pending status.. There appears to be an error on end of XXXX XXXX aka Continental Finance Company regarding this payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

experian after completing an investigation allows creditor to " re-age '' the account which makes it more damaging and is misleading and inaccurate.the creditor is west asset mgt, account no.XXXX.the account history shows in collection as of XXXX XXXX, when their own previous report shows paid in XXXX XXXX. 
EXPERIAN REFUSES TO RE-INVESTIGATE AS FRIVOLOUS.
Product: Debt collection

On XXXX XXXX, 2016, I received a letter from TRS Recovery Services telling me to send {$500.00} via cashier 's check or Money Order for a XXXX transfer dated XXXX XXXX, 2016 that supposedly had a stop payment on it. My computer was hacked on XXXX XXXX, 2016 and my email account was compromised. They got access to all of my User IDs and Passwords, which have all been changed. In addition, XXXX informed me that my XXXX account was closed by them on XXXX XXXX due to a suspicious activity alert.
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. 

XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

NEWREZ XXXX XXXX XXXX XXXX, SC XXXX Phone XXXX Fax XXXX www.newrez.com Policy XXXX XXXX My problem is with an escrow analysis that has the wrong amount for my insurance. 
It shows {$3800.00} and my cost is {$3100.00} see attached. 
My monthly payment should drop about {$58.00} XXXX XXXX contacted them with attached insurance declaration page see attached ( newrez help ) and ( XXXX XXXX XXXX ) XXXX XXXX contacted them received a reply with a secure message. ( XXXX ) The link took me to shellpointmtg.com had to create another account to view the message. ( why ) Sent info and attached insurance declaration page to XXXX XXXX XXXX another secure message link shellpointmtg.com password did not work. 
Link for forgotten password does not work ( undeliverable ) XXXX XXXX shellpointmtg.com account locked. Called for help wasted an hour with the phone gauntlet. 
XXXX XXXX called newrez ran the phone gauntlet. Enter info, new selection, enter info endless loop. 
Finally managed to get a human on the line explained escrow analysis problem. 
Transferred to new person XXXX XXXX he did his best to help me. 
Said there was no new insurance cover page??? 
Ask him about the shellpointmtg.com and why this could not be managed thru newrez account. ( Long story ) He said he could reset the shellpointmtg account so I could reset the password. 
This did not happen he reset the newrez account. ( just great ) Attached another insurance declaration page on the newrez web site. 

I am sick of the run around and endless gauntlet of phone loops. Just fix the escrow amount. the math is quite simple XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX Cell XXXX.
Product: Credit reporting

I disputed AN sent to transunion to remove a hard inquire to XXXX credit card. AN also set to the credit. 30 days have passed with no reason. I told them it 's not me an no response to remove the item nor any info updated.
Product: Money transfer, virtual currency, or money service

When I used Zelle it charged me for an unauthorized transaction. I wasnt the one to do so. It happens more than a few times.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX 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: Debt collection

I am a victim of identity theft as my information is being used to apply for unsolicited loans and applications online. My ex wife removed my name from the lease document during my hospitalization for XXXX in XX/XX/2019. The lease officially ends XXXX XX/XX/2019 as well and she was going month to month with the apartment office on the payment. To my surprise it was reported on my credit report that I owe a balance of {$3800.00}, meanwhile I was not even on the lease. The lease ended XXXX XXXX and the details of charges on the document I received from the collection agency includes charges of {$1700.00} for early termination of lease. The court eviction order does not even include my name on the order because I was no longer on the lease. In good faith, I have been making some payments towards this outrageous debt, but the account is not reflecting these payments. Theres a lot of foul play going on with National Credit system collection agency. I have reached out to resolve the matter but they are being uncooperative and insisting that I have to make the full payment even when I am not on the lease, my name was removed from it and the lease term already elapsed, but they are still charging an early termination fee. It is just ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX Date of inquiry : XX/XX/2019 -- -- - I don't recognized this inquiry. Please remove it from my credit report.
Product: Debt collection

I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XX/XX/19 and was in no state of mind to tell the correct info about it being a work related incident. I filled out work related paperwork afterwards, but then workers compensation XXXX XXXX denied the claim as work related. I called XXXX XXXX XXXX XXXX XXXX  and they said they will look into it and they denied me twice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), agreed to pay XXXX out of XXXX in good faith and XXXX XXXX XXXX XXXX XXXX will not pay the XXXX remaining and I am now being put into collections and will affect my credit score. Need help!!!
Product: Checking or savings account

Bank : Bank of America Account Number : XXXX Closure Department Phone Number : XXXX XXXX XXXX My phone number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( XXXX : XXXX ) Account has been closed 4 months ago in undue manner and I have been asking for the reason but bank only gives me ambiguous answer. 

In fact bank by mistake did not close my account and had been receiving money. 
For 4 months time I have been trying to withdraw {$2500.00}, and after that 4 weeks ago this account has received {$29000.00} and for last 3 weeks I have been trying to withdraw {$31000.00} without any success. 

Every day bank says ( I called them everyday and visit to branch ) same story " they are assessing or reviewing '' Bank has not rights to withhold my money like this
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the inaccurate accounts on my credit report, which I have disputed multiple times without resolution. These errors are severely damaging my credit standing, causing significant hardships and negatively impacting my financial stability. 

Despite my repeated requests for an investigation, I have not received a satisfactory resolution. I kindly request that a thorough investigation into each disputed account be conducted immediately, and that the necessary corrections be made to restore the accuracy of my credit report. 

Your prompt attention and assistance in resolving this matter are crucial for me to regain control over my financial well-being. I sincerely hope this issue can be rectified without further delay. 

Thank you for your time and cooperation. I look forward to your swift response.