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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Flagstar Bank, paid the wrong insurance company from my escrow account on XXXX, somehow they sent a payment to XXXX which is not and was never my insurance company. My insurance company is XXXX XXXX XXXX XXXX XXXX XXXX, another payment was then sent to the correct company mentioned on XXXX. 

The amount of XXXX has been debited from my escrow account twice. 

Last week ( XXXX ), I called Flagstar and informed them of the issue, the first customer service agent said that the system was down and there was nothing she could do. I called back and spoke to someone in the insurance department that mentioned that she would investigate, this took 50 minutes of my time. Yesterday I got phone calls that I was not able to get to, I called back and the message said that a detailed voice mail was left ( but this is not so ). I called Flagstar again on XXXX and spent 90 minutes on the phone, after being transferred four times, I was informed that the system was still down, so they could effectively do nothing. They dont know the status of the first wrong payment, they cant send me a detailed list of transactions, nothing. The agent did mention that the new payment was successful ( per notes that she found somewhere else ), but thats not the issue that I asked to investigate, I need an investigation about the wrong payment being sent, and I need that money back in my escrow account. 

This same agent yesterday mentioned that the first payment was sent to my old insurance company, I corrected her and told her that XXXX was never my insurance company, somewhere along someone mixed up my information. 

Flagstar is also unanble to send information via emails per employees, additionally Ive asked about complaint or customer relationship department and theyve avoided the question ( they say they dont know ). 

I believe that the issue is now affecting my escrow evaluation causing my payments to go up.
Product: Mortgage

I would like to file a complaint about Loan Care mortgage company. I have previously filed a complaint about this very same issue ( XXXX ) but I don't believe it was properly investigated. I believe because of my original complaint with the CFPB that it was rushed and not thoroughly looked into. My original complaint is about a payment I made on XX/XX/XXXX that came out of my bank account on XX/XX/XXXX. I have attached a letter from my bank confirming that. From loan care 's end they reversed the transaction but I never received a refund. That payment was to be applied to XX/XX/XXXX. In their response to my first complaint they said that it was applied, but the payment history ( attached ) they sent me shows that my next payment made on XX/XX/XXXX which was a double payment was applied to XX/XX/XXXX and XX/XX/XXXX. I tried to reach the case worker multiple times to try to resolve this issue but have never been able to make contact with her. I have since opened a new ticket with loancare on XX/XX/XXXX but have not been able to talk to anyone who knows what is going on with this issue. It has been over 2 months and I have not had any resolution to this matter. It feels like they have stolen XXXX dollars from me and left me in a bind and that they want to take my house. I would just like this matter resolved and my mortgage statement brought up to date.
Product: Checking or savings account

At the beginning of XXXX, BANK OF AMERICA closed my checking account and placed a hold on the {$5600.00} in the checking account, they said they would audit the funds, but XXXX months later, the audit has not been completed and I need the funds to survive!
Product: Credit reporting or other personal consumer reports

I have over years trying to remove these hard inquiries and stuff that's on my report I have sent paperwork to y'all and other peoples and all the companies and the creditors and they still haven't removed them
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report. Specifically, there are several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) that have negatively impacted my credit score and my life. 

Firstly, with regards to my account with XXXX XXXX # XXXX, there are discrepancies between the reporting of XXXX XXXX and XXXX. While XXXX XXXX recorded a monthly payment of {$0.00}, XXXX and Equifax did not. Additionally, XXXX XXXX reported a late payment on this account, despite the fact that I have never missed a payment. These errors are in violation of Section 1681s-2 ( a ) of the FCRA, which requires creditors to provide accurate and complete information to credit reporting agencies. 

Furthermore, there are inconsistencies in the reporting of the last reported date and last active date for this account across different bureaus. This is a violation of Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

XXXX account, XXXX. I have never received any notification from XXXX regarding this charge-off account, and they have failed to provide me with any paperwork related to the charge-off. Additionally, the other two bureaus have not reported any negative information on this account. 

The inaccurate and incomplete information reported by XXXX has had a severe impact on my life. It has made it difficult for me to obtain credit, and I have been denied credit on numerous occasions due to this inaccurate information. I have been forced to pay higher interest rates on credit cards and loans, which has resulted in significant financial hardship for me and my family. 

I believe that XXXX has violated the FCRA, specifically sections 1681s-2 ( a ), 1681i ( a ), and 1681e ( b ), by failing to provide accurate and complete information, failing to notify me properly of the charge-off status, and failing to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

Furthermore, I believe that XXXX 's actions constitute unfair, deceptive, or abusive acts or practices, in violation of Section 1036 of the CFPA. 

Therefore, I am requesting that XXXX remove this unverified collection account from my credit report immediately. I would appreciate your prompt attention to this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
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 Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$980.00} XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called the collection agency and asked to verify the debt with a verification letter to my address they said no and also refused my payment amount. When I called another credit repair agency I was told they have tried to reach them with no response. They would not give me an account number or anything just asked that I pay half the loan off today.
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 U.S.C 1681 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Credit report XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : I DO NOT HAVE A SOCIAL SECURITY NUMBER BUT ITIN 95 % OF THE CREDIT REPORT BELONGS TO SOMEONE ELSE NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX SERVICES SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX : XXXX XXXX XXXX XXXX XXXX {$8700.00} XX/XX/XXXX XXXX XXXX ************ {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX ************ {$4400.00} XX/XX/XXXX XXXX XXXX XXXX *************** {$2700.00} XX/XX/XXXX XXXX **************** {$2200.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX **************** - XX/XX/XXXX XXXX  **************** - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ************ - XX/XX/XXXX XXXX XXXX DC ************ - XX/XX/XXXX XXXX XXXX **************** - XX/XX/XXXX XXXX  **************** XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Wednesday, XX/XX/2023, I went into the XXXX Branch of Wells Fargo to cash a {$5400.00} Check. The check was written to my son, but he signed it over to me because he does not have a bank account. I was refused and the teller and later the manager stated that it was their policy to not cash such a check and that I would have to bring my son in personally so that they could " look '' at him. I have 5 accounts at this bank and have been a loyal customer for over 20 years. We had a home equity loan with the bank, a business account and my wife has several separate accounts with the bank. I have going to this bank for over a decade because it is in my neighborhood and I have always received excellent service. I offered to have the check deposited to my account in case they were worried about sufficient funds and was still refused the supposed reason is because of money laundering, which Wells Fargo has been found guilty of in the past, as well as XXXX discrimination in lending, opening bogus accounts and numerous other fraudulent activities over the years and currently a number of class action discrimination suits from its own employees. 
I feel that I was treated with disrespect. I am a retired XXXX XXXX XXXXXXXX XXXX military veteran and XXXX XXXX XXXX. I feel that I was not treated with respect today and the Bank manager, XXXX XXXX XXXX was in essence accusing me of trying to instigate some kind of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt that has been reported to my credit file by XXXX XXXX XXXX, which I believe is erroneous and should be removed. The debt in question has been reported to the following credit bureaus : XXXX, XXXX, and Experian. 

I have previously disputed this debt with each of the three credit reporting agencies, as I do not recognize this debt and have not received any valid documentation substantiating its existence. Specifically, I requested that XXXX XXXX XXXX provide me with the original purchase agreement or any other supporting evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received such documentation from XXXX XXXX XXXX. 

Despite multiple attempts to resolve this matter directly with the credit bureaus, the debt has not been removed from my credit report. I have provided all necessary documentation during my disputes, but the item remains unresolved. 

I am requesting your assistance in ensuring that this debt is properly investigated and, if it can not be validated with sufficient documentation, removed from my credit file. I believe that XXXX XXXX XXXX has failed to fulfill its legal obligations in validating the debt, and their reporting of this debt to the credit bureaus is unjustified.
Product: Debt collection

BYLCollections send us Letter in Mailbox in the name of my Father mentioned on Letter & at our address that they want to collect a debt of {$1900.00} on behalf of XXXX XXXX, XXXX company. But the Fact is that  my father didn't own any Credit Card of this company neither have any other company credit card. 
We want to report about this scam by BYLCollections Company to  send us a fake Letter & try to collect the wrong amount from us through these tactics.
Product: Debt collection

On XX/XX/2019, the collection company XXXX XXXX XXXX engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.
Product: Credit reporting or other personal consumer reports

Furnishing private information without my consent.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumer 's right to privacy '' XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801.

The Consumer reporting agencies  XXXX, Experian, and XXXX do not have my consent to furnish the information detailed in attachment, and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

Under GLBA Consumer reporting agencies are by definition " A Financial institution, '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third  party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by ( Consumer Reporting agencies ) XXXX, Experian, and XXXX. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' All information unauthorized is considered inaccurate, incomplete, or unverifiable by definition.

I am opting out of the ( Red Lined private information shared without my consent [ see attachments ] ).

I am also requesting that any and all future information be approved before sharing publicly via email e-signature confirmation.
Product: Mortgage

XX/XX/XXXX we submitted a purchase contract to Nationstar Mortgage for consideration on a short sale. we requested HAFA consideration and we were told the file would be processed as HAFA. Nationstar countered the offer we submitted and we accepted the counter. the price was XXXX when the purchasers lender appraised the property he found problems that required an adjustment to the price. the appraised value was XXXX when we submitted the appraisal for valuation consideration Nationstar came back XXXX higher than the counter XXXX they initialed countered to us. 3 weeks ago they ordered another BPO and we have been trying to find out the value they have assigned to the property. I have called and emailed several times and keep getting the run around on this short sale. the seller can not make the payments and this home is destined for foreclosure unless they get moving on the determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that was being reported on transunion that is not mine, I have already had XXXX  remove this from their bureau. They have said that XXXX  XXXX  verified it the first time, and the courthouse verified it the second time. As you can see in the pictures I am including the courts do not report bankruptcies. XXXX XXXX froze my account then over the phone and by mail reported that I do not even have anything on file with them. They refused to send me anything in writing stating that XXXX XXXX or the courts verified this, and it is because neither is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. The account below needs to be corrected : XXXX XXXX
Product: Credit card

Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX