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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

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

I am writing to formally request the removal of incorrect names and addresses from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. My credit report contains multiple variations of my name and addresses that do not belong to me. Below is my correct personal information : Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Current XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Names and Addresses to Be Removed : Names : 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 XXXXXXXX I request that these erroneous entries be removed from my credit report immediately. Please provide written confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

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

I was viewing my credit report and noticed hard inquiries that do not belong to me. XXXX XXXX  XX/XX/XXXX & XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting items on my credit report without my permission.
Product: Checking or savings account

citibank contacted me several times about needing information for my accounts. i called them back at least 5 times to ask what they needed. they kept telling me they would check into it and never did. they ended up freezing my accounts for over a week and checks were bouncing. they finally fixed it. to keep my accounts open, they want me to give them so much information. many of the questions seem intrusive. i have had these accounts for 25 years there.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts, listed below, were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$95.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4600.00}
Product: Credit reporting or other personal consumer reports

Synerprise Consulting Servies claims To be a collector for XXXX XXXX XXXX on XXXX XX/XX/year> for {$1900.00}. I do not have any debts owed for Medical debt to either of these parties further medical debts are not legal to be reported on my XXXX, XXXX XXXX XXXX XXXX credit reports and must be removed.
Product: Credit card

I believe on XX/XX/XXXX I Paid off my full balance of {$130.00}. My due date for this account is supposed to be paid on the XXXX of every month. when I reached out to Victoria Secret Customer Service on XX/XX/XXXX I told the Representative of my situation why I could not pay on the date specified, he told me as a one time curtsey he would waive the fees. apparently he did not waive the fees in XXXX and I presumed that every thing was okay seeing I paid up my bill in full ignored any transaction with Victoria secret in XXXX It was on Monday XX/XX/XXXX I got a call saying I owe Victoria Secret {$60.00}. 
when I asked what did I purchased for {$60.00} they said it was for late sees I tried to reason with them to remove it or at least let me pay the amount your CFPB require for me to pay. they told me no. 
so I am brining my grievance to you to help me resolve this matter. 
My Victoria Secret Account ending Number is XXXX and my SSN Ending is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I sent a certified letter to Equifax asking them to verify an account listed on my Equifax credit report. Equifax initiated dispute number XXXX. The account is listed in collections, but I do not owe anything to the listed collection agency. From my understanding, if Equifax can not positively verify the account, it must be removed from my credit report. I explained to Equifax when I called them today that the debt collection agency refuses to send me proof that I owe them and keeps demanding that I set up payment arrangements. I have already disputed this with the debt collection agency itself but they reported to my credit anyway with a remark stating " consumer disputes account, '' so both Equifax and the debt collection agency have already been alerted that I do not agree with their claim that I owe anything. In fact, I have been trying for months via phone and via written requests with the debt collection agency to get this issue resolved. The debt collection agency will not respond to my multiple requests for validation. However, today I was told by an Equifax employee that I would need to submit yet another dispute with the debt collection agency and that if they still do not comply, that I would need to file a police report. If the law states under the FCRA that unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, why is it that I'm having to take additional measures such as going to the police to have this issue resolved? Why isn't the debt collection agency being required to provide verifiable proof that I owe the account listed on my credit report? This is unfair and the fact that I'm being requested by Equifax to provide additional documentation is ridiculous especially if the debt collection agency is not being required to provide verifiable proof of this account. How can I provide proof of something that does not exist? How many letters am I going to have to send to the debt collection agency before something is done? What happens if the debt collection agency never responds to me? The runaround in this situation is extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.
Product: Payday loan, title loan, or personal loan

My phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. 
I also noticed charges on my stolen credit card in my card app for payments to Affirm that were used to finance these purchases. 
My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX Affirm loans that were used to finance the purchases. 
I reported to both XXXX and Affirm that these orders are not mine. I sent in an affidavit to Affirm as well as screenshots of the delivery addresses of the unauthorised purchases, explaining that it is not my address as well as information about an Identity theft report I filed with the FTC. 
Affirm sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to the XXXX.
Product: Debt collection

XXXX refused to honor my dispute. They continue to false bill me for services that I never had. I had conversations with the agents regarding a XXXX account. I tried to educate the collector that the account was never XXXX. I was told " If you paid your bill you would n't be in collections. '' Agent refused to accept a dispute over the phone. I was told the dispute was to be placed in writing only. After speaking with XXXX my equipment was received om XXXX/XXXX/2015. I should not be in collections. Instead of listening the agency became abusive.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an outdated account from my Experian credit report. The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX As of todays date, XX/XX/XXXX, this account has been on my credit report for more than seven years. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605 ( a ) ( 4 ), credit reporting agencies are required to remove accounts that are over seven years old from the date of the initial delinquency that led to the account being placed on the report. This account should have been removed by XX/XX/XXXX. 

I previously reported this inaccuracy to XXXX, and they promptly recognized the issue and removed the account from my credit report. Meaning youre now reporting an inaccuracy, so I am now requesting that Experian and XXXX do the same to ensure compliance with federal regulations and to avoid further negative impact on my credit score and financial well-being.

This is my second attempt to resolve this matter with Experian. If this issue is not addressed promptly, I will have no choice but to take legal action to protect my rights under the FCRA. This situation is significantly affecting my credit score and, consequently, my livelihood.

I expect your immediate attention to this matter and the prompt removal of the aforementioned account from my credit report. Please confirm receipt of this request and the actions taken to correct this error. 

Ive attached where XXXX and Experian are still reporting this OUTDATED account and XXXX has removed it!
Product: Mortgage

When I open my mortgage with US Bank I was told that I could repay extra principal and withdraw extra principal by calling the US Bank Mortgage Call Centre. <P/>I have paid over {$70000.00} in extra principal and US Bank is now stating they never had an agreement to give me this money.
Product: Debt collection

After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me.
Product: Credit reporting or other personal consumer reports

I have seen in my credit background XXXX hard inquiry which is not mine. I never used credit card before and I was trying to open XXXX, they declined because of the XXXX hard inquiry. I wasnt using any credit cards before.
Product: Mortgage

I have case you look at they did not tell you the hole truth your case number XXXX they told you I was late on my taxes I was not I have son needs XXXX XXXX  I had I lot of money going out I am XXXX to put in the spring I call the and ask them if I could have my taxes escrowed and if they would do that I would pay {$100.00} more my payments are and was XXXX a month so I pay XXXX a month they told me they would I found out late in the fall it was going up for sale and the hole time I had been paying XXXX more a month they are the one that did not pay until it went up sheriff sale I thought they had paid it when they had not they talk a bought hazard insurance they did that when I had insurance did it any way I could not afford both then I found out they are telling my payment is XXXX   month no it is XXXX and that XXXX month is more then escrow and them calling they do not just call once a day 4-5 times a day on my cell phone alone they just gave you a lot of paper work and they do threaten me of foreclosure they keep say I late when I am not that XXXX dollar payment I sent three times that caught me up but every sense then the keep telling me I am payment late I am not they go back to the main contract when it is in there favor and that is it and I have not filed for bankruptcy and they keep tell everyone that I have I need help they are as crooked as they come they only tell you half storys only show you part of paper work and lie on what I say they told you I am recorded tell them you need to hear them I need help they have screwed me so bad I can not get a new loan and they are the one doing it I did not take loan with them I did not sign anything for them so why can they come in and change everything and I am paying escrow XXXX year where is that going please help
Product: Mortgage

For the last 10 years, I have had my home equity line of credit with JPMorgan Chase Bank ( " JPM '' ), My original line of credit was {$100000.00}. After the credit crisis in XXXX, JPM terminated my line of credit to simply my outstanding balance with no additional credit. XX/XX/XXXX, XXXX tripled the amount of my payment on my home equity line of credit from approximately {$200.00} to {$510.00}. I requested that JPM refinance my payment to decrease the payment amount to the original amount of {$200.00}. JPM refused and told me to file for hardship with a government agency. I am now stuck with making an exorbitant payment of {$510.00}. In order to make sure that I never missed a payment, I set up auto debit first from my JPM Checking Account and then from my XXXX XXXX Checking Account. All of the payments have been made automatically without a problem. XX/XX/XXXX, I received multiple notices in the mail from JPM threatening legal action because they stated I was not making my home equity payments. I immediately called JPM to inquire why I was receiving their notice. I spoke to about XXXX dozen JPM reps in their " escalation department ''. They said that my account was not set up to make automatic payments. I told these reps that was a lie. My account had been set up for automatic payments for years first from JPM account and then from my XXXX XXXX account. I went online and checked and somehow JPM had disabled my automatic payments for my home equity line of credit WITHOUT ANY NOTICE TO ME. The JPM reps were pretty nasty and told me that I was late and they reported me to the credit bureaus to damage my credit rating! I was stunned. I could not believe that an account that I had for over 10 years was WITHOUT EVER MAKING A LATE PAYMENT was now fraudulently misrepresented that I did not have automatic debit set up and materially misrepresented to the credit agencies to damage my credit. I called JPM again and spoke to a rep by the name of XXXX XXXX ( XXXX extension XXXX ) and he told that JPM would NOT reverse the fraudulent representation made by JPM to the credit agencies. I simply hung up. Over the last few years, JPM has arbitrarily shut down my line of credit ( solely due to the XX/XX/XXXX credit crisis ), tripled my payment and shut down my auto payment and falsely reported me as delinquent to the credit agencies. JPM 'S abusive credit practices must be stopped!! JPM must be compelled to remove the negative credit agency information from my credit report immediately. It was XXXX 's own incompetence that caused the payment not to be deducted from my checking account.. I had the accounts properly set up for YEARS!! XX/XX/XXXX or XX/XX/XXXX, these incompetent fraudsters disabled by autodebit and then decided to malign me to the credit agencies. JPM is a disgrace!
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

i have send the right information then and it is still on my creidit report and i would like for it to remove off i have ask the last past three years for then to fix it .and they have not they keep give run around. re ; experian ; person information 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 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
Product: Student loan

I applied for the Public Service Loan Forgiveness program. I made 181 qualifying payments towards PSFL, with the 120th payment that triggered forgiveness occurring in XXXX of XXXX. The Missouri Higher Education Loan Authority ( MOHELA ) shows in my XXXX qualifying payments. However, they reported to the US Department of Education 's Federal Student Aid department that our discharge was only effective in XX/XX/XXXX ( instead of the correct date of XX/XX/XXXX ). 

Because of this error, MOHELA and FSA have not refunded over {$20000.00} in overpayments I made on my student loans between XX/XX/XXXX and XX/XX/XXXX. I have been contacting MOHELA 's customer service lines for PSLF since XX/XX/XXXX and have been given various incorrect or incomplete answers regarding the delay in my refund. When I noted the error between their records of when I reached 120 payments and the discharge date they reported to the USDOE, I was told there was nothing that MOHELA could do to correct the misinformation and complete the refund process.
Product: Mortgage

Began a refinance process with Homeward Residential XX/XX/2016. From XXXX - XXXX I was passed to XXXX different loan processors and was asked to provide the same information several times. The different loan processors would come back asking for the same information over and over. The last loan processor reported that there were liens against my property which they are not and was asking me to prove that there were no liens. They continually asked for payoff information which had been provided three times. They did XXXX appraisals saying that the appraisal did not provide the information they needed but they continue to use the same appraisal. The last processor called and asked for information identifying herself as a loan processor but when I began asking why I was continually being asked to provide the same information she stated that she was a underwriter. This company strung me along for six months and still no refinance and they have several of my documents.
Product: Debt collection

I have had several problems with CitiBank calling me after I have asked them not to contact me by telephone and yet they continue to do so. No lawsuits are currently filed on this matter as of yet. Attached is a screenshot of the Caller ID from CitiBank ( XX/XX/2019 Call ). The same telephone number matches the number that is in their Terms And Conditions. They called me using an automated dialing system and they recorded my telephone call as well.
Product: Mortgage

We are filing a second complaint due to Pennymac not fully addressing the issue in response to complaint ID XXXX. Pennymac did not offer any resolution to servicing errors regarding our escrow account which resulted in our mortgage payment increasing our PITI payment by 39.96 %. In the response to the initial complaint they acknowledged the escrow account was not analyzed at the time of our modification, nor was it completed correctly in XX/XX/XXXX. 

We have continued to pursue the issue with them and received a modification offer that places us in a significantly worse financial position. We have appealed the decision and provide 2 alternate options. Both options would return us to a similar financial position to where we would be had the account been serviced correctly. 

I am including the following documents as part of this complaint for your reference. 
Appeal Letter dated XX/XX/XXXX 2nd Complaint Letter dated XX/XX/XXXX
Product: Debt collection

I am not liable for this debt of {$520.00} with L J ROSS ASSOCIATES, INC Account number : XXXX I do not have a contract with L J ROSS ASSOCIATES, INC, they did not provide me with the original contract as requested with my wet signature and ID Verification.