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

I'm really frustrated because my credit report has wrong info like my name, address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( XXXX, XXXX, and TransUnion ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX, XXXX : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : 1. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied a credit card through XXXX XXXX XXXX sometimes in XXXX. 
then I moved to another apartment and missed all the letter they sent me and I never use it even once until now, and then I found out that they reported a late payment of {$140.00} on XX/XX/2019. Then i contacted them to ask what is that fees about and they say it is from me not paying the annual fees so it is became late payment on my credit report and I paid it off so they could correct the report but they did not. so my credit score went down due to their incorrect report.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Reference # : XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/year> Navy Federal Credit Union XXXX Credit Card Services XXXX Credit Card Services XXXX : Request for Confirmation of Debt Cancellation and Account Paid in Full Dear [ Relevant Contact Person or " Customer Service '' ], I am writing to formally request confirmation regarding the cancellation of the debt associated with my credit card accounts held with your institutions. I have recently filed a 1099-C form that was accepted by the U.S. Treasury Department XXXX and I would like to ensure that all necessary documentation reflects this cancellation. 

The details of my accounts are as follows : - Navy Federal Credit Union Account XXXX : XXXX - XXXX Credit Card Services Account Number : XXXX - XXXX Credit Card Services Account Number : XXXX Please provide me with written confirmation that these accounts have been settled and marked as " Paid in Full. '' I would appreciate receiving copies of any pertinent documentation that verifies this status at your earliest convenience. 

Thank you for your cooperation in this matter. Should you need any further information or documentation from my side, please do not hesitate to reach out via email or phone. 

Sincerely, XXXX XXXX
Product: Debt collection

A former employer ( XXXX XXXX ) failed to pay the entirety of medical bills for a worker 's compensation related injury. The former employer did not disputed the bills and they paid some lost wages. The hospital ( XXXX XXXX XXXX XXXX XXXX NJ ) is attempting to collect the debt through Midwest Recovery Systems. I believe that the hospital and XXXX XXXX are breaking various laws. My former employer has a legal responsibility to pay the medical bills under state laws. The hospital was aware that this was a workers comp claim, and that in NJ employers are legally responsible for paying medical bills for workers comp cases. 

The account is in collections and might effect my eligibility for a mortgage. I have documents and emails which support my case Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters and calls from " The Best Service Company '' regarding an invalid debt. They have it on my credit report and refuse to remove it even though the original debtor removed their complaint. XXXX XXXX XXXX XXXX messed up on a closed account, leaving it open and collecting fees. They then turned it over to these shady credit collectors. I disputed the original XXXX XXXX XXXX XXXX claim and they agreed and removed their claim from my credit. The Best Service Company has been given the same information and is refusing to remove their claim from my credit reports. I have received a new letter from them saying I have to give them more information or they will continue reporting until I satisfy their inquiry. XXXX XXXX XXXX XXXX removed the original charge and are no longer reporting it! These people are scammers. I have tried calling and each time, get disconnected. Their website is NOT at all helpful, only allowing you to pay or inquire by giving tons of excess mandatory info to submit. 
Please help!
Product: Credit reporting

My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- Transunion , and XXXX. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.
Product: Mortgage

On XX/XX/year> I went to Regions to make a payment on my past due loan. The teller stated that Regions Mortgage had rejected the payment. She sent my payment and a note back to me to call Regions customer service. I called the number on the form for Regions Mortgage customer service. The customer service representative stated that he could not take my payment. I asked him what is the total amount to pay. He stated that it was {$3000.00}. I told him that I would write a check for that amount. The customer service representative told me that he wasn't sure if that is the total amount. 
He advised that they would mail me the total amount and in the meantime, did I want to apply for a hardship. I applied for the hardship over the phone. 
I received the total reinstatement amount from an Attorney in XXXX on behalf of Regions. I would have paid that amount but I disputed a certain portion and The Attorney accelerated foreclosure with a sale date without a modification application being approved and/ or allowing due diligence to answer my dispute about the amount.
Product: Mortgage

Mr.Cooper has mismanaged {$3600.00} that was paid to an insurance company due to Mr.Cooper inept employees.I told them not to pay any one until I gave them the ok to do so.My husband ( he has permission to speak to them on my behalf ) explained to them on XX/XX/2019 that we were thinking on changing homeowners insurance.The rep.advice him not to worry that no one was getting paid until they had our consent. 
Mr.Cooper err when they paid XXXX XXXX XXXX {$3600.00} without our consent.XXXX XXXX XXXX is currently been investigate by the Fla.Dept.of insurance for insurance fraud. They never had any authorization too billed Mr.Cooper for a policy. 
In my previous complaint to your office, I have stated that the money in question has not been credited to our escrow account.No one from Mr Cooper has reached out to us to explain why the {$3600.00} is still missing from the escrow account. 
The hearth group returned the original check to them on XX/XX/20019.See attached docs. 
I am tired of calling Mr.Cooper to get an answer concerning my missing escrow.ITS ALARMING that they Do not respond to my issue.Instead they are lying to your dept.and are twisting information to their benefit. 
I want this matter to be resolved once and from all.The {$3600.00} belongs to me and it should be credited into the escrow account. 
Finally the person from Mr.Cooper that responded to you, doesnt returned numerous phone calls to her.Why? I wish I knew.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  account # 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 a account without my written instructions.
Product: Mortgage

Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Short sale package was submitted to Ocwen XX/XX/18. Ocwen has requested 4 sets of documents, and continually cancels the short sale after each and every one of these requests. Each time we send documents in to Ocwen we have to request the short sale to be reopened. This has happened 4 times in the last several weeks. Ocwen is refusing to postpone the auction date of XX/XX/XXXX claiming that the multiple doc request and closing/opening the short sale were simply miscommunications. They are stating they have sent communications to the borrower offering workout option " some time ago ''. However they are unable to provide any kind of evidence or tell us the dates as to when those communications were sent to the borrower. 

Isnt this the same type of miscommunication that got Ocwen fined over $ 2million already? We just want this to be reviewed as requested in the beginning. The sellers are getting divorced and Ocwen were notified of this in the beginning of the short sale, and there is no evidence whatsoever that workout options have been offered to either of the sellers.
Product: Credit reporting or other personal consumer reports

I have been divorced for over 10 years. I sent over my divorce decree to capital one bank and capital one XXXX to let them know thats my name is not what they have on file. They did delete XXXX account but they still have one that will not let my name go with that second last name.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX 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 SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

USAA website and App are missing a transfer credit in my checking account. The transfer is shown on my XX/XX/2018 bank statement. A USAA phone rep and an Executive Resolutions rep have verified the discrepancy but have not been able to help me. 
Identifying discrepancies is difficult because USAA has just started identifying the origin of certain transfers but only on statements. USAA does not keep accurate online records for consumer accounts.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, but this time, I found discrepancies out of the blue. I even refreshed the browser, thinking it might be a glitch, but the errors stayed. I need the documents Ive submitted to be thoroughly reviewed so I can stop worrying about this once and for all.
Product: Credit reporting or other personal consumer reports

THIS IS A FOLLOW UP LETTER. ATTACHED WITH FTC REPORT I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$61.00} was transferred to my account " XXXX XXXX ''. 

I was never able to retrieve that money. a week later, I wasn't able to access my account due to it being tied to a phone number that was out of service. As a result I had to create a new account. 

I notified cash app and they said they'd merge the accounts. It's been a whole week and still no response. 

I do not know what the merge status is, and I do not know the status with these funds. I need this money to pay bills. 

Cash App refuses to reply to me.
Product: Credit card or prepaid card

There was a credit account opened in my name on XX/XX/XXXX thru the internet with Regions Bank and was funded by a XXXX $ XXXX XXXX. I originally called Regions Bank and was told actions were being taken to resolve this. A week later I received a card in the mail and called back to ask why I was getting this card if it was a fraudulent account. I was told it was because when I originally called they changed my address to my correct address because it was originally at a Regions Bank somewhere in Alabama that this account was made. I was assured that this account was getting closed and not to worry. I then put a freeze on my credit reports because I was getting numerous inquiries. I then found out the Regions Bank account was then somehow funded by a XXXX $ payday advance. I then went to a local Regions bank to try to resolve in person. That went nowhere and I was told to just resolve it with the credit reporting agency 's. I have tried to dispute this account twice with XXXX and the other 2 agency 's but, Regions Bank keeps verifying this as an accurate account. Please help me. I dont know what to do. Noone at this bank is helping me and trying to get this resolved with the credit bureau 's is impossible.
Product: Debt collection

Regarding False Debt on Credit Report Dear Sir/Madam/They, I am writing to file a formal complaint against Midland Credit Management in relation to a debt that was falsely added to my credit report on XX/XX/XXXX for the amount of {$2600.00}. This inaccurate information is negatively impacting my financial history and is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered the erroneous debt on my credit report in early XXXX and immediately took steps to rectify the situation. I contacted Midland Credit Management and requested that they investigate the matter and remove the false debt from my credit report. However, despite my repeated attempts to contact & dispute the debt, Midland Credit Management has failed to take appropriate action and continues to report this inaccurate debt. 

This willful noncompliance with the FCRA laws by Midland Credit Management is highly concerning and has caused significant harm to my financial well-being. The false debt has resulted in denial of credit applications, increased interest rates, and various other negative consequences. I have attached supporting documents, including copies of my credit report highlighting the inaccurate debt and correspondence with Midland Credit Management, for your reference. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Midland Credit Management for their failure to comply with the FCRA. I am seeking the following remedies : 1. Immediate removal of the false debt from my credit report. 
2. Correction of any negative impact caused by the false debt, including the adjustment of interest rates and credit scores. 
XXXX. Compensation for any financial losses I have incurred as a result of this false debt. 
4. Imposition of appropriate penalties on Midland Credit Management for their willful noncompliance with the FCRA. 

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and effectively, ensuring that justice is served. I appreciate your attention to this matter and look forward to a swift resolution. 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your assistance in resolving this issue. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX XXXX in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is Celentano, Stadtmauer and Walentowicz, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$190.00} into my keybank savings account. Prior to this deposit I had {$15000.00} in my savings account. The following day I logged into my account online and saw that my balance was now $ XXXX. I opened my account and saw XXXX Atm deposit debit adjustment {$19000.00}. XXXX I went to my local keybank branch in XXXX NY and was told that there was a glitch in the ATM, and the system they needed to use to look at this glitch would not be accessible until Monday, XXXX this was Friday morning around XXXX XXXX. I was leaving Friday night through Monday for a vacation to XXXX Beach, and fortunately I had access to my checking account. However, I had several bills that were auto deducted from my checking account that weekend and therefore my account became a bit lower than I am comfortable with and I ended up having to borrow money from a family member in order to avoid using my debit card. Normally when my checking becomes low I transfer money over from my savings, but I was unable to do that this weekend. On Monday XX/XX/XXXX a representative from keybank called me around XXXX stating that they looked into my account using the system and the money would be deposited on Tuesday. The money is now back in my account, however this caused me a great deal of distress over the weekend and I wanted to report this so it doesn't happen again to someone else. Thank you for your time! 

XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

My daughter passed XX/XX/XXXX in XXXX XXXX. She was XXXX XXXX XXXX. My daughter had credit card debt. I mailed letter deceased notification with a death certificate to each owed. Received letter dated XX/XX/XXXX from XXXX XXXX ref XXXX original creditor XXXX XXXX acct balance {$2200.00}, acct endin in XXXX, they transferred debit into my name. My daughter left no will, she had no assets, not even her car was paid for, owned no real estate. They call me every day leaving messages about my debt and going to sue me. I am not responsible for my daughters debt and they transferred it into my name. I did not authorized nor did I accept or agree to pay the debit.