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

In XX/XX/XXXX I disputed a collection that was being reported on my credit report by XXXX XXXX in the file that Equifax maintain under my social security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy in Account Information on my credit report Dear Sir/Madam, I am writing to dispute an error in my credit report under my account, according to the purchase agreement I signed with XXXX XXXX XXXX XXXX furnished INACCURATE INFORMATION, the date listed on the agreement is XX/XX/XXXX. However, my credit report inaccurately shows XX/XX/XXXX as the date of the agreement. This discrepancy is a CLEAR violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be ACURRATE, COMPLETE, and VERIFIABLE. As per the FCRA, when an item on a credit report is found to be inaccuracte, it must be corrected or removed. In this case, since the correct date is XX/XX/XXXX as shown in the attached purchase agreement, I request that the XX/XX/XXXX date be immediately removed from my credit file. 

I have attached a valid picture of the signed purchase agreement that clearly shows the correct date of XX/XX/XXXX. I kindly request that you thoroughy investigate this matter and make the necessary corrections. If the information is not corrected, I expect the inaccurate entry to be removed my credit report entirerly, as per my rights under the FCRA. 

Please inform me of the outcome of your investigation and provide me with a corrected version of my credit report once the error has been addressed. 
Thank you for your prompt attention to this matter Look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I just looked up my credit report XX/XX/XXXX and I noticed there are some hard inquiries on my credit report that don't have permissiblepurpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissiblepurpose according to 15 USC 1681 b. I alsoattached evidence XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank had a representative from the XXXX DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX Bank 's XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022
Product: Mortgage

I purchased my home XXXX, 2012 with a fixed mortgage loan. It appears that my original loan had an error my property taxes were calculated by 1.25 % and should have been 2 %. My mortgage company has paid my taxes in full, however I have a -escrow balance that needs to be paid off in 12 months of over {$300.00} additional per month to my loan. Is it my burden for their error in calculating my loan docs. There has not been any increases in my property taxes or insurance premiums.
Product: Mortgage

wells fargo has denied me a loan modivation which I qualify for.they have changed my case maneger 3 times and never return phone calls.they have wrong information on my financels.I finalley got a hold of some one to find out why I got denied and there number of my monthly income got put in computer wrong.so I resubmitted.and know one called and now XXXX XXXX they started forcloser and I just got letter in mail 3 days ago.I have been in my home 18 years and have had my XXXX 30 years.my interest rate is XXXX wells fargo has been very challenging to deal with its because I have a little equity in my home they will not give me loan mode even though I qualify. I am a hard working single female.XXXX is why I feel behind she is XXXX and had to help her, I am only behind XXXX payment over the last 3 years, if they lowered my rate and added past payments on back of loan I would be fine.
Product: Student loan

I tried to get loan forgiveness in the past I was denied. Had this loan for over 13yrs+. Seems like no way of any assistance or help with debt loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The XXXX credit bureaus must verify this account : XXXX XXXX XXXX XXXX : {$4000.00}
Product: Mortgage

On XX/XX/XXXX we signed a listing agreement and third party authorization for SPS to speak to our agents. 
On XX/XX/XXXX the third party authorization was sent to SPS via fax and email SPS received and acknowledged this. 
On XX/XX/XXXX our agent spoke with them and sent over listing information and requested payoff and informed them we wanted to do a short sale On XX/XX/XXXX we were informed we were not eligible for a short sale or remodification- only full payoff On XX/XX/XXXX a full appeal package was sent to SPS and we asked for a review with their customer advocacy department. Our agent also requested a call from the loss mitigation person handling our loan, no call has been made to her in the past 48 hours per them saying they would. 
We asked for them to please stop the auction as we put in the request prior to the 37 days as they are saying there is not enough time. Our agent has been calling SPS daily and getting the run around. 
We also asked if they are denying us the ability to have a short sale on the property to allow a deed in lieu and they say we do not qualify for that either, only full payment of loan.
Product: Checking or savings account

They held my check for 2 weeks finally let me get it now my account is over drafted but I had XXXX $ in savings
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX bal {$380.00}, XXXX XXXX bal {$720.00}, XXXX bal {$0.00}
Product: Debt collection

I havent lived in XXXX for almost 6 years and this bill was added in XXXX of this year. I am unable to get in contact with anybody with the company and the address comes up to a parking garage in XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were conducted without my approval, and I lack the relevant information. Please remove them promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Experian Legal Department Subject : Urgent Request for Deletion and Correction of Inaccurate Information on Credit Report Violations of FCRA XXXX UCC XXXX TILA and State Laws Disputed Account : XXXX XXXX Account Number : XXXX Dear Experian, I hereby request the immediate deletion of the above account due to inaccurate information and omissions that have been repeatedly disputed without adequate resolution. These discrepancies constitute serious violations of several laws, including : Fair Credit Reporting Act ( FCRA ) Uniform Commerce Law ( UCC ) California Consumer Credit Protection Act ( CCCRA ) Truth in Lending Act ( TILA ) Here are the reasons for my dispute : 1. Right to Accurate Information ( FCRA Section 609, 15 U.S.C. 1681g ) I request a thorough investigation into the vehicle replacement and residual balance. If this information can not be verified, I request its immediate removal from the report.

2. Request for Reinvestigation ( FCRA Section 611, 15 U.S.C. 1681i ) I have already disputed this information on multiple occasions without any necessary corrections being made. I demand that Experian conduct a new investigation and correct this information immediately.

3. Deletion of Unverified Information ( FCRA Section 611, 15 U.S.C. 1681i ( 5 ) ) If upon reinvestigation the information is found to be inaccurate or unverifiable, it must be deleted immediately.

4. Violation of Responsibilities of Information Providers ( FCRA Section 623, 15 U.S.C. 1681s-2 ) The incorrect information provided by XXXX XXXX XXXX a direct violation of its obligations. If you have not corrected these errors, additional action will be taken.

5. Accuracy Compliance ( FCRA Section 607, 15 U.S.C. 1681e ) Experian has not followed reasonable procedures to ensure the accuracy of the information in my credit report.

6. Impact on my Creditworthiness and Damages These inaccuracies have negatively affected my ability to obtain credit, causing me financial and emotional harm. Under FCRA Section 616 ( 15 U.S.C. 1681n ), I am entitled to compensation for these damages.

7. Truth in Lending Act ( TILA Section 1601, 15 U.S.C. 1601 ) Inaccuracies in loan terms, such as the remaining balance, are a violation of TILA.

I further note the following : UCC Violations and Duty of Good Faith : The UCC ( Section 1-203 ) requires that one must act in good faith, which has been violated in this case due to the omission of key information.

Missing Residual Balance and Form 1099-C Information : I demand that any debt cancellations and Form 1099-C issuances be reflected on my report.

Payment History Discrepancies : I demand that evidence of the " 2 POTENTIALLY NEGATIVE MONTHS '' be documented or these records be removed.

Incorrect Account Update Dates : I request that the dates be corrected to reflect actual events.
Product: Student loan

This complaint is against Discover Student loans. A loan was taken out to pay for college expenses. After graduation, the borrower had a hard time finding a job in his profession. He worked part time and then went to the XXXX XXXX. After graduating from the XXXX XXXX it took him almost a year to find a job. During this time, Discover would not work with the borrower on payments. The borrower paid on the loan but Discover told him they would not accept the payments unless it was the XXXX a month payment. He tried on numerous occasions to work with Discover to set a payment plan that he could afford. Discover finally told him he could make payments based on income on the phone then the next month they put the loan in default with no warning. The loan is now in collections and the problem is that he now has to find a way to XXXX. This is such a big problem in the United States. Discover gave him bad advice and would not work with him in any way.
Product: Credit reporting or other personal consumer reports

You ( CFPB ) closed my last complaint ( XXXX ) without a real resolution being provided by XXXX. I spoke directly with EDFinancial by phone on the morning of XX/XX/XXXX and the agent I spoke with admitted that the Financial Aid Loan that was provided and that is showing on my Credit Report is not associated with my Social Security number but said there is nothing they can do about it, which of course is completely unacceptable. 

Summary : The loans with EDFinancial in question that are showing on my credit reports belong to my son and was secured with a Promissory Note signed by my son 's now-deceased Grandfather and still-living XXXX. 

I had XXXX ( XXXX ) involvement in the attainment of these loans and was unaware of the loans until they mysteriously appeared on my credit report, which of course is backed up by the fact that XXXX can not associate these loans with me personally or any others for that matter. 

The only conclusion I can come to is that my name and other personal details got crossed by XXXX, since we both have the same legal name. XXXX XXXX XXXX. But when you examine the Promisory Note, the social security number that appears on the Promissory Note is that of my son 's social security number. 

On a related matter, someone is making monthly payments on these loans and are in good standing and not in collections. 

I tried speaking with my son, but unfortunately, he is not on speaking terms with me, as his mother and I were divorced in XXXX. 

It appears to me that someone or some entity forced this debt onto my credit report so my credit rating would be affected, which is an ill-legal activity and I think we need to find out if this is the case and who did this to me. 

I need these loans removed from my credit reports asap as it is affecting my ability to gain access to credit. 

Thank you
Product: Mortgage

I have been informed that our home mortgage have not been properly handled during the modification back in XX/XX/XXXX. My wife lost her job in XX/XX/XXXX due to being laid off. Once we discovered she lost her job we immediately call XXXX XXXX XXXX about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. XXXX XXXX XXXX said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. {$13000.00}. XXXX XXXX XXXX dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new XXXX but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. {$140000.00} it was like we never paid anything into our loan after being in the home since XX/XX/XXXX. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.
Product: Checking or savings account

On XXXX XXXX I received a document from Early Warning in XXXX AZ stating the following : Early Warning does not have access to account documentation and is there for unable to provide copies of any documents. For more information, please contact the furnisher directly. The contact information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On my Early Warning Customer ID # XXXX I have 3 items I am listed below : XXXXXXXX XXXX  - XXXX  XXXX # XXXX Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX - XXXX XXXXXXXX # NONE Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX XXXXXXXX XXXX # XXXX Account # XXXX Principal Lost $ PAID Contribution Reason : Account Abuse After several attempts with XXXX XXXX and XXXXXXXX XXXX also confirming that the above 2 accounts are NOT Checking Accounts there are old credit cards that had fraud on them because of them being stolen. 

After several attempt with XXXX XXXX XXXXXXXX this was not Account Abuse my bank card had be stolen and I closed the account because they would mot release my funds!!! 

Early Warnings has first refused to show me any proof of documentation and now have clearly stated that they have NO documentation. I want these items removed immediately from my account and now they are refusing to do so with NO documentation or legal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH 6 DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX
Product: Debt collection

WAKEFIELD & ASSOCIATES has 4 entries for State of California medical care and I am now unsure why wasnt billed my Medi-Cal insurance in the State of California.
Product: Debt collection

I dont know why this account keep trying to take money I have no knowledge of this
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

At approximately XXXX on XX/XX/2022 i received an email from Citi Bank saying they have received my application for a credit card which I did not apply for. I have reported it to their fraud dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Fake checks written out using my address but also at the heading of check. XXXX XXXX XXXX Was the name of the check. First one used at a XXXX in Kentucky. Second was a XXXX 's or XXXX XXXX in North Carolina. I'm not associated with the XXXX XXXX group.