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

I have some inquiries on my report that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXXXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXX/XXXXDispute all filed to ftc and here violations attached and uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/EQUIFAX/TRANSUNION XXXX : XXXX BANK XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or "  suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

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

On XX/XX/2019 United Revenue collections added a derogatory mark on my credit report per XXXX XXXX Upon further research, the account was transferred/sold and I am not responsible for the account. The debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can say its mine. According the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX  account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} XXXX XXXX account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXL Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Fidelity credit card and they offered me {$150.00} worth of points if a spending threshold was met in the first 90 days. I met the threshold and then they promptly canceled my account and will not pay me the {$180.00} worth of points in my account.
Product: Checking or savings account

Sterling National Bank closed branch due to snow storm & did not reconcile ATM deposits for 4 days. A deposit I did on Saturday did not go into account until Wednesday ... ( although all other businesses opened Tuesdsy ) subsequently they bounced 2 payments and I received a charge from XXXX who I was trying to pay & they would not refund this. 3 calls with hold times of over 2 hours and they will not fix the issues due to their closure. Also the deposit was 1/2 cash with an AVAILABLE valve enough to cover outgoing payments.
Product: Debt collection

Kramer & Associates recorded my call today without telling me. I asked at the end of the call today if they are recording to which they sad " ALL CALLS ARE RECORDED. '' No notice was given at the beginning of the call. Kramer & Associates have violated Cal Penal Code 632 CIPA The California Invasion Of Privacy Act in doing so. The California statute that defines the crime of eavesdropping. This section makes it a crime for a person to listen in on, or torecord someone else 's confidential communication, Note that California is a two-party consent state. This means all parties to a phone call or conversation must give their consentbefore someone can record it.
Product: Mortgage

On XX/XX/XXXX I contacted NewRez through their online portal requesting that they close my escrow/impound account due to their failure in correctly and timely paying one of my insurance accounts for my property. On XX/XX/XXXX NewRez honored this request and closed the escrow/impound account, which would make me solely responsible for paying all property taxes and insurance. This issue was resolved. 

However, on XX/XX/XXXX NewRez disbursed an insurance payment of {$100.00}, without my authorization while also leaving me with a negative balance on an escrow/impound account that was previously closed and honored by NewRez. This is even more frustrating seeing as though I had already paid for this insurance premium with my insurance provider. 

On XX/XX/XXXX I contacted the NewRez call center number at ( XXXX ) XXXX to attempt to resolve the issue. The agent that I spoke with advised me that I would need to speak with the Insurance Department about this issue at ( XXXX ) XXXX during business hours Monday through Friday XXXX - XXXX EST. Though I am not sure if speaking with the Insurance Department would be the correct approach. This is an issue stemming from an escrow/impound account that does not seem to be closed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX according to my credit report from XXXX who stated they get the reports from all three credit bureaus from a third party. XXXX has stayed the same, XXXX and TransUnion both dropped significantly from XXXX XXXX XXXX XXXX with no explanation. The only derogatory marks have since dropped off a long time ago, there are XXXX Excellent high impact, XXXX of XXXX hard inquiries dropped off low impact, my payments 100 % excellent high impact, credit age XXXX XXXX Excellent Medium impact, Total accounts XXXX needs work low impact. So why does XXXX show a XXXX point drop on XX/XX/XXXX and then it stayed the same since? This is the same day I did my XXXX XXXX XXXX XXXX XXXX Abuse of Power, Sabotage, Financial Entrapment, Abuse of a XXXX Veteran and his Veteran Owned And Operated Business. 

WHO FROM THE XXXX XXXX etc was involved? 

Images from XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXt XXXX, GA XXXX XXXX XXXX [ Insert Todays Date ] To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Cease and Desist & Debt Collection Dispute Request for Contract of Assignment Dear Credit Bureau Representatives , I am formally disputing the debts reported on my credit file by the following collection agencies : XXXX. Spring Oaks Capital LLC {$630.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX {$1900.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX {$650.00} ( Opened : XX/XX/XXXX ) I request that each of these accounts be investigated under the Fair Credit Reporting Act ( FCRA ) and immediately removed if the creditors can not validate the debts. 

Furthermore, I demand that each collection agency provide : 1. Proof of Debt Ownership : A legally binding contract of assignment proving that the debt was legally transferred from the original creditor to the collection agency.

2. Original Signed Agreement : A copy of the original contract with my signature proving my obligation to the alleged debt. 

If the collection agencies can not produce this documentation within 30 days, I demand that these accounts be permanently removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I will pursue legal action if necessary. 

Please provide me with written confirmation once these matters have been resolved. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am requesting an investigation of fraud and predatory lending on XXXX XXXX Mortgage and PHH Mortgage. I recently had my mortgage documents reviewed by a mortgage professional because I believed my sister ( XXXX XXXX ) and I were victims of mortgage fraud and predatory lending. My loan originated in XX/XX/XXXX by XXXX XXXX XXXX. I was supposed to be a co-borrower to help my sister buy her first home. I am a veteran but during that time frame I was on XXXX XXXX and was on my way to XXXX. The loan officer had my sister and I fill-in two applications for the mortgage loan. I was advised that I would be the co-borrower for only a few months until they refinanced the loan with only my sister on the new loan. I recently discovered that only my name was on all the mortgage documents of XXXX XXXX Mortgage although during the closing both my sister and I was required to sign all the mortgage closing documents. We were advised because we was bother and sister we had to sign separate documents. However, on the 2nd mortgage both our names are on the mortgage closing documents together. 

The loan officer put us in a sub-prime loan product and recommended two mortgages as an 80/20 loan product. The first mortgage was 80 % and a second loan 20 %. We had asked for a normal conventional loan but we was advised that we would have a regular conventional loan when they refinanced my sister in 3 months by herself. We was also put in a interest only loan for the first 5 years on the first mortgage and an interest only loan on the 2nd mortgage  with a balloon payment. The balloon is now coming due in XX/XX/XXXX. 

I have attached an article regarding XXXX XXXX being held responsible for loans that they purchased from Mortgage Brokers in the XXXX area due to illegal actions with sub-prime lending. I believe XXXX XXXX Mortgage and PHH Mortgage as my 1st and 2nd mortgage lien holders should be held responsible for the fraud and predatory lending on my loan. 

I also believe XXXX XXXX has continued to take advantage of me as a veteran, when they modified my loan in XXXX. My loan was modified to a 40 year loan. My sister has made every payment and the balance reflects very little paid to the principal balance of the first mortgage and nothing on the 2nd mortgage. We are also questioning the value and sell price when we purchased the home for my sister. It appeared the seller and the loan officer at XXXX XXXX XXXX  knew each other. We are upside down on our mortgage and refinancing will be impossible.

I have requested my original mortgage documents from my lenders but I have not received our original applications, HUD 1 and Closing documents to send to your office. I am also requesting a full investigation and I am asking that your review the attached  documents of the government investigation of XXXX XXXX and require similar actions against XXXX XXXX and PHH Mortgage on my behalf. 


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

I am writing to dispute the reporting of late payments on my credit report that is in direct violation of the Fair Credit Reporting Act ( FCRA ) as amended by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 
Upon reviewing my credit report, I have noticed that a few accounts are being reported with late payments for a period during which I was under protection by the CARES Act after having reached an agreement with my lender. Below are the following accounts in question : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. Instruction : Please update to paid as agreed, never late. 
XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. 
Instruction : Please update to paid as agreed, never late. 
XXXX XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. 
Instruction : Please update to paid as agreed, never late. 
XXXX XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. 
Instruction : Please update to paid as agreed, never late.
Product: Money transfer, virtual currency, or money service

Was contacted by JPMorgan Chase bank fraud department on XX/XX/2022 from XXXX stating I had fictitious charges which were on our account, they also stated that there was a wire transfer that was scheduled for XXXX that day for {$40000.00} and I needed to initiate a wire reversal to stop this transfer, well needless to say that day the money was transferred out of our business account, and on the following weeks a fraud case was opened by chase, the results came back as my fault according to chase I initiated the transfer according to them this being the wire reversal transfer, now we are out our {$40000.00} Im not sure where to go or legal action I need to take, I can get all phone transcripts from XXXX XXXX but XXXX states they would cooperate with me fully but would require a court order to obtain, Chase never did send me their final report, this is for Chase business account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX received call from a ace collection person who failed to identify himself and refused to send legitimate documents to my post office box for this loan that he said i owes since XXXX. He went on to say that he will be contacting my employers and relatives and shared the details of the debt.
Product: Money transfer, virtual currency, or money service

I have been using a mobile payment service known as cash app. Monday XX/XX/2022 I was charged {$690.00} at a XXXX in XXXX I have never been to while still in possesion of my cash app debit card I cancelled the card and ordered another one thinking the card was compromised and was charged {$690.00} Wednesday XX/XX/2022 at XXXX am at a XXXX  in XXXX on the new card as well bringing my account negative while the card was in route and unactivated. I have disputed the cases but have yet to see my funds returned. I've come to the conclusion through my own research and personal experience that cash app has had a major data breach and is not disclosing this information to their customers. I and several others have posted on their XXXX about getting unauthorized charges from XXXX usually out of state and consisting of several hundred dollars on the cash app card, I have seen complaints on this issue going back 6 months or more. The charges are never authorized by the owner of the cash app account and the cards or data have not been compromised on our end to our knowledge. Further evidence that supports this is a breach within cash apps systems is that upon canceling the old cards and ordering new ones before receiving the new cards and activating them there are new unauthorized charges that occur on new cards. I beleive cash app should reimburse victims, make the security breach known and improve their security especially before trying to do taxes and leaving countless users open to scammers with no protections. Thank you.
Product: Credit reporting

The following have been all removed from other credit reports, but Experian still has not removed them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX. XXXX to XXXX, XXXX and Equifax. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense.

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 consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents.

I spoke with an agent named XXXX  at XXXX  on XXXX  who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for years to help EXPERIAN to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License for both the former and current address. To date, EXPERIAN refuses to comply! Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.
Product: Checking or savings account

Setting up an acorns account but pnc is refusing by way of policy to link the accounts via mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and 6 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit card

I used a 0 % APR balance transfer offer a while ago and then later made a purchase, forgetting that the 0 % APR was just for balance transfers. My minimum payment was more than enough to pay down the purchase over a couple of months, so I assumed it would be paid off shortly. However, the minimum payment was only being applied to the lowest interest balance, not to the highest interest balance as I assumed. I talked with a customer service representative online, and they only apply amounts in excess of the minimum to the highest interest balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card ( XXXX XXXX ) charged off my credit card account on XX/XX/XXXX to Portfolio Recovery. 

Portfolio Recovery relisted my account as Delinquent on XX/XX/XXXX for the same debt.