23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today due to the lack of concern with Experian, XXXX and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX   XXXX XXXX {$450.00} XXXX  XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

This is my 4th and final attempt to resolve this matter amicably. National Credit system continues to violate my rights and I have suffered financial and emotional distress for over a year as a result of this account. I have no balance owed to the original creditor or to the national credit system company that has been assigned this alleged delinquent account for further collection actions. To confirm that I do not owe any balance I have an email from the Land Lords assistant property manager of the apartment community stating that there is no balance owed. The property manager is CC on the email as well. National Credit system is aware of this because I have sent all correspondence to them via certified mail # XXXX that was delivered and recieved. 
I have sent a request to validate this debt, I have sent a Cease and Desist to stop collection activity and all forms of communication directly via phone calls and indirectly through all mediums of communication. In XXXXact reporting the unverified debt to Credit reporting agencies is a form of indirect communication of a debt further violating my rights by the reporting of this inaccurate account. I have also sent an affidavit declaring the facts of this situation via Certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and saw an account for XXXX XXXX XXXX for {$130.00}. Im not sure where this debt originated, and would like it removed while in dispute until its both verified and validated.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : - Company Name : TransUnion - Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX ( TransUnion customer service ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the USBK COURT NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/XXXX. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

I purchased XXXX items on XX/XX/XXXX from XXXX XXXX  via their website. 
I made an account on their website and checked out. My credit card was immediately charged {$820.00} I expected the purchased items would take some time to ship since they are large car parts. 
Many XXXX had passed, and I had recieved no updates. My account on their website said " order processing ''. 
So on XX/XX/XXXX, I called XXXX Customer Service at XXXX. I spoke with XXXX and he said : " Dont worry, if it says order processing then we are still working on the order. There is no ETA, but we will send you email once your items have shipped ''. 
I said thank you and I remained patient. 
Many months passed with no contact made. My account on their website still said " order processing ''. 
So on XX/XX/XXXX I called XXXX. This time no one answered. The call went straight to voicemail, and the voivemail box was full. 
Also on XXXX XX/XX/XXXX, I wrote an email to XXXX '' to request to have the order canceled and refunded. 
I still have not recieved a response. 
Over the last 2 months, I have made 40+ phone calls on different days and at different hours of the day. 
No one answers the phone, the call goes straight to voicemail, and the voicemail box is full. 
I have also sent a total of 3 emails to request to have the order canceled and refunded. 
There has still not been any response back. 
I contacted my credt card company ( Capital One ) and they said " we cant investigate any fraud if its older than 60 days ''. 
So now, I have lost {$820.00}. Recieved no items. XXXX XXXX  is unresponsive to communications. 
Capital One only cares about fraud that happened in the last 60 days. 

Thank you for your time.
Product: Debt collection

GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Product: Credit card

On XX/XX/XXXX, a person cut the lock on my locker at the gym and stole my gym bag which included my wallet with credit cards. I reported the incident to the police and received a case number. The criminal used my Mastercard to make purchases at a XXXX XXXX in XXXX DC. The first charge went through but the second charge was declined. I disputed the fraudulent charge with Bank of America. They informed me today that I was responsible for the charge.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Product: Mortgage

I have been struggling to pay my mortgage during the COVID crisis. I applied for, and was approved for, a forbearance plan. Despite this, the lender sends me emails stating that my mortgage is in default and states they will attempt foreclosure proceedings. Also, before my mortgage was transferred to another servicing agency, the mortgage was marked as a " foreclosure '', but I was in a loan modification period ( which was accepted ) and the property never went to foreclosure. In the loan modification process, i provided background information and a report number for my identity fraud case ( that led to the the incident in question ). Despite this, the credit report still has remarks of " foreclosure '' and the servicing company will not remove the derogatory remarks that were incurred due to the fraud. The " foreclosure '' comments led to my security clearance getting held up while the Government subpoenaed the evidence from the company. Despite this, they never corrected their reporting. They send me letters saying that they need the case report number, which was provided to them during the loan modification process. This was my previous servicing company, XXXX XXXX XXXX. 

Furthermore, despite being able to catch up my loan, the lender has not updated my credit report to reflect the " current '' status, which is required by law under the CARES act. My current servicing company is RoundPoint Mortgage Servicing , Inc.
Product: Mortgage

We fell behind in our mortgage with Greentree Servicing, and received notice that they were planning to foreclose. 

We talked to them and were told that they would send us a plan whereby we would make 3 consecutive monthly payments, on time, and then our mortgage would be reinstated. 

We received a XXXX XXXX page booklet shortly after that and proceeded to comply with it 's terms. 

Per the instructions, at the end of the 3 months we submitted the pages they enclosed in that booklet, the ones that required notarized signatures, and awaited results. 

The following month, we received a new bill from them showing that the mortgage had been reinstated and what the new monthly payment would be. That was when we saw that the mortgage had not been reinstated but had been re-written, and at double the interest rate of the previous one. 

We called them and after much transferring, supposedly reached their credit payment department whereupon we were asked why we had signed the new mortgage papers if we did n't like the interest rate. When I explained that we returned the papers, as directed, under the impression that the mortgage would be reinstated, not re-written, we were told that as far as they were concerned it was a done deal and we had no further redress. 

We called an attorney and was told that we 'd be better off going through our state 's Attorney General 's office for consumer protection. 

We called that office and were told to get an attorney. 

Home health issues erupted at that time and we lost track of this. 

Your recent settlement with Greentree has prompted this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a repossession record from my credit report associated with Bright Financial. This repossession was taken to court and subsequently dismissed by the judge. Despite this, the repossession record remains on my credit report, significantly impacting my credit score and hindering my financial well-being. 

The relevant details of the case are as follows : - **Creditor : ** Bright Financial - **Case Number : ** XXXX - **Court Decision Date : ** XX/XX/year> - **Outcome : ** Case dismissed by the judge I have attached the official court documents verifying the dismissal of the case. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Given that the court dismissed the repossession case, the continued presence of this record on my credit report is inaccurate and unjust. 

I have attempted to resolve this issue directly with Bright Financial and the credit reporting agencies, but to no avail. Therefore, I am requesting the CFPB 's intervention to ensure the removal of this incorrect information from my credit report immediately. 

This incorrect record is causing substantial harm to my credit rating, affecting my ability to secure loans, housing, and employment opportunities. I trust that the CFPB will recognize the urgency and validity of this matter and take the necessary steps to rectify the situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX **Attachments : ** 1. Court dismissal documents **Consumer Law Reference : ** The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

Wells Fargo loan assumption XXXX has been denied multiple times over the last year. I have provided all requested documentation to remove my ex spouse from the mortgage, all of which have been denied. I was required to sell the primary residence which i did, this was the holdup for finalizing the loan assumption. The property has been liquidated, however the assumption has been denied again, additional demands for property liquidation have been made by Wells Fargo. 

I have spoken with Wells Fargo XXXX assumption office, phone number XXXX, they have continually denied my assumption application multiple times in the last 18 months. I have faithfully paid the mortgage for over 15 years and simply need the ex spouse off of the mortgage, this seems impossible to conclude for the Wells Fargo XXXX team.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I lost my job and had a hard time paying off my credit card. I tried to resolve this by contacting Wells Fargo but they never responded or helped me. Eventually they let charges stack well past my actual credit limit and then sued me for collections. 

A lot of mistakes and over charges were happening which compounded the issue even further.
Product: Credit reporting or other personal consumer reports

This account KIKOFF LENDING , LLC with the number XXXX is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. 
Furthermore, provide me with documented proof of your claim that I owe {$8.00}, as I firmly contest this amount. 
Case law supports my demand : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emphasized that inaccuracies must be rectified ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforced the obligation to verify disputed information ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires the deletion of false or unverifiable information. Take these precedents seriously and resolve this matter immediately. 
In appreciation I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for, Again for a Pre-approval on a Property in order to be able to view, several properties, in order to be able to use an make a Consumer Credit Transaction, to purchase myself a home. After Filing a report with this agency back in, I think it was XX/XX/XXXX, Pertaining to this same agency. Bank of America, I recieved a respone letter and Call, some time after this, saying that, 'Bank of America , had, 'Pre-approved me for a Mortgage, and that I never responded. The Asociate ask me to come back in to a BOFA and reapply. I went to, XXXX XXXX XXXX, XXXX, Pa XXXX, XX/XX/XXXX. I spoke to an Asociate, by the name of, XXXX XXXX show him the response letter, showing that I I was, previously Pre-Approved, He said, that the letter doesn't mean a thing, and that bank, often send out letters like this to their customers. XXXX XXXX said he Could Not assist me, so he put me in touch with, XXXX. XXXX XXXX, in the mortgage department. XXXX XXXX said, he Could Not assist me, said my, 'credit score, is to low for the bank to assist me in getting a Pre-approval, I told him, that it is against, Federal Law to deny me an, 'Extension of Credit ' he told me, I am Not denying you, I am simply stating BOFA, Policy, because of this, he refuse give an Pre-approval. I completed the mortgage application, anyway, spoke with, XXXX XXXX on the phone, XX/XX/XXXX she told me my credit score is to low, for BOFA policy, and that she was Unable to assist me, with an Extension of my Consumer Credit.
Product: Mortgage

An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a  representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.