23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX XXXX to Loan Care service out of XXXX  XXXX, VA. around the end of XX/XX/XXXX. I was paying a biweekly payment so that I could pay down my mortgage earlier than the 30 year maturation date, which meant two payments in XXXX on the XXXX and XXXX. With the switch to the new company, I received paperwork that said the payments would be bumped to the XXXX and XXXX but no action was needed on my part. The XXXX past with nothing happening. I received an email from the company saying something about the original loan number being off and that the first payment would come out the XXXX. Nothing happened. I called on the XXXX to complain and figure it out, after sending an email that no one replied to. This company is almost impossible to get a hold of and requires hours on the phone of wait time to get a hold of the proper person. After a half hour on the line, the lady took all my information, reassured me that a payment would come out on the XXXX and then XXXX for XXXX and then would be every 2 weeks after that like before. Well, XXXX payment came out but none on the XXXX..Complete incompetence. I called Monday XX/XX/XXXX and waited hours to talk to someone - finally, I had no more of MY time to wait and had to go. I am still waiting for a resolution to this situation from this God awful company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX TransUnion,  and XXXX/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.
Product: Debt collection

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Product: Credit reporting or other personal consumer reports

Experian has FAILED again to remove Inaccurate information from my credit report.

Experian has also failed to send me the procedures that led to the account listed below to be VERIFIED again. I requested the names of the persons you spoke to along with their names, telephone numbers and address.

I made this request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and should have received the information within 15 days as required by this law.Experian sent me NOTHING but chose to Verify my dispute AGAIN without removing the inaccuracies but unlawfully verified and I will seek legal assistance seeking to litigate this matter involving both Experian and the alledged creditor furnisher.

Your agency by law must ensure maximum Possible accuracy.

This letter is to inform you that the referenced account listed below appearing on my consumer report be investigated by your company as I am disputing for lack of ACCURACY, COMPLETENESS and that it is VERIFIABLE. 
Re : XXXX ( XXXX ) # XXXX alledgedly verified on XXXX XX/XX/year> ( Screenshot Attached ).
Product: Credit reporting or other personal consumer reports

Account status had not been updated since XXXX of XXXX Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to XXXX by mr cooper as on XX/XX/2022. I sent my payment to the payee information on the my XXXX loan website and it was deducted from my bank account and never applied towards my balance. They are claiming i did not send the check. I had a 3 way call with mr cooper and XXXX and they confirmed payment was sent to the correct address and account number. Now mr cooper has sent me an email stating they can not find my payment still and that I am responsible for paying even though they processed the check against something.
Product: Mortgage

1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 
2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 
3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 
4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 
5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 
6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 
7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 
8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts.
Product: Credit reporting

I have disputed Equifax 's reporting of XXXX XXXX AS INACCURATEAND INCOMPLETE WITH SPECIFICITY AS TO WHAT IS inaccurate on at least XXXX occasions.XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX CONFIRMATION # XXXX, AND XX/XX/XXXX confirmation # XXXX.XXXX IS A CLOSED ACCOUNT yet willnot report a close date leading to others to believe upon receipt of Equifax reporting that the account is open.XXXX XXXX REPORTS A LAST PAYMENT AMOUNT ANDSCHEDULED PAYMENT AMOUNT OF XXXX.these are obviously erroneous on their face. 
the lack of detailed reporting obfuscates Equifax 's and XXXX colluded extortionof illegally excessive fees contrary to XX/XX/XXXX CREDIT CARD ACT. 
EQUIFAX , ALONE CAN NOT REPORT INACCURATE OR INCOMPLETE INFORMATION '' ON THE FACE OF THE RECORD '' WITHOUT BEING IN VIOLATIONOF FCRA regardless of creditor verified reporting.I WILL LITIGATE PRIOR TOSTATUTE OF LIMITATION ALLOWANCES.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized hard inquiries on my Equifax credit report that are a result of identity theft. The inquiries in question are : 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 Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX I have attached a copy of my FTC Identity Theft Report and my driver 's license for proof of identity. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit report immediately. 

Thank you for your prompt attention to this matter.
Product: Mortgage

My lender keeps on closing my application without reviewing it. I submitted the application and next thing I know it was already closed. I submitted another one and closed the application again. I have been trying to work with my lender but they are refusing to help me by reviewing my application for loss mitigation/ loan modification. please help me save my home.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have bern a victim of identity theft and found fraudulent inquaires in my credit report ( XXXX  XXXX XX/XX/XXXX anXXXX XXXX XXXX XXXXXX/XX/XXXX ) please remove that frauddulent inquires in my credit reporti
Product: Debt collection

The following company I.C Systems has falsely reported a debt not owed on my consumer report. I have contacted the company to resolve issue, they have failed to provide any documentation that we have ever done any business.
Product: Debt collection

Requesting debt validation ( 15 USC 1692g ) for XXXX XXXX Ive sent 3 affidavit request for physical proof. Theyve gone unanswered.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that XXXX conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect XXXX, Equifax, XXXX to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.
Product: Checking or savings account

Legal Clarification The Apple Savings card and savings account bypasses spousal consent in transferring money from community property banking accounts into a restricted access seperate account. Is this consistent with the interpretation of federal and state community property laws? With fingerprint encryption, this account design allows one spouse to hide account transfers from the other spouse. This lack of transparency becomes problematic for account balance information and tracking spending within community property banking accounts. Thank you for the banking clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX  at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Product: Student loan

I could not reach out to the school because, it is permanently closed now. I attended XXXX XXXX XXXX of XXXX XXXX. I took out {$40000.00} in students loans to attend this school to in hopes of being able to enter into the restaurant industry fully knowledgeable at a high paid position. Instead I lied to about everything. From job placement as well as job pay. They did not assist in helping get a job. And when I finally was able to find a job in my field of study ( culinary ) I started out at {$9.00} an hour. This was not what was told to me when I decided to sign up and attend this school. I feel like I was sold a costly dream that put me into a big debt hole that Ive been trying to climb my way out of for years.
Product: Checking or savings account

I use XXXX XXXX XXXX on occasions but fight with them to link MY accounts. I have the information and I have the funds being deposited. It helps me throughout the week but is a continuous problem. I have had to redo passwords build new accounts more than necessary because of their continuous blocking. 
I have given my permission and called them to which they say it isn't them. ( XX/XX/XXXX-XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( HR12 ) - ( BS-7 ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXXXXXX XXXX  XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXXXXXX XXXX  ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXXXXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( HR-12 ) - ( HR-8 ) XX/XX/XXXX
Product: Checking or savings account

I tried to explain to chime that their online banking and debit card app was full of security risks and flaws as a IT technical expert. Their App was unsecure which allowed the hacker into my phone and accounts remotely via WiFi hacking using a man in middle attack. The hacker then used clone a phone and once the drive and phone data was copied the hacker could see my chime banking online debit card numbers as it was part of chimes app features and I expressed to chime this was a security risk. They then didnt want to work with me or listen that Im a XXXX individual XXXX XXXX who was using chime banking to build my credit not ruin it and they would not listen. They would not accept me making payments and wanted it all at once chimes app and security flaws is why my account was compromised and the negative occurred I did not spend the money or cause the negative the hacker did through chimes security flaws.
Product: Money transfer, virtual currency, or money service

I made a contract that says in 48 month paying {$210.00} Fredom debt relieve could make deals with 3 creditors. Total amount of debt is {$12000.00}. They made deals with 2 of 3 creditors, i finish my 48 month term and now they asking for {$5000.00} more to make deal with the third creditor.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit card or prepaid card

On or about XX/XX/XXXX I applied for a Walmart Mastercard and was offered for a first purchase, a one year interest free promotion. I took the promotion and purchased a TV set. Now the promotion is set to expire on XX/XX/XXXX. I received a statement stating that I still have a balance of $XXXX on the promotion. I called Synchrony Bank (the holder of the card) and talked to XXXX and asked if I send $XXXX for the promotion and $XXXXXXXX for the minimum payment the promotion will be paid off. She said absolutely, so I sent $XXXX. After I knew they received the payment I made a follow up call and was told the promotion has not been paid off only a $XXXX was applied to the promotion and the rest was applied to the rest of the account. I then talked to supervisor XXXX and wanted to know why the promotion was not paid off? She said their policy is to apply the money to the interest account and she refused to pay off the promotion. The terms of the promotion clearly states; To avoid paying Accrued Interest charges on Any DEFERRED INTEREST promotion you must pay at least your minimum payment due if any each month and the ENTIRE APPLICABLE PROMOTIONAL BALANCE BY THE EXPIRATION DATE!  she "REFUSED" to pay it off. And they are also in the process of selling my card to XXXX XXXX  in XXXX  I asked her what if they don't honor the agreement and she said she didn't know she doesn't work for them. Both conversations with them they have recorded.
Product: Checking or savings account

Hello My name is XXXX XXXX At the end of XX/XX/2023 I had opened a High Yield Savings Account with American Express. all was going fine, My husband did a couple of money transfer from His XXXXXXXX XXXX account to my Amex account. Suddenly On the date XX/XX/2023 I received a letter from Amex stating that my account is getting closed. Then immediately I called Amex to ask how to get my funds back as the account is getting closed. They told me my husband need to call XXXX XXXX from which the money was transferred, and ask them to RECALL that fund. My husband spoke to XXXXXXXX XXXX, initially they tried to help by RECALLING it. Then we spoke to them again and XXXXXXXX XXXX said the RECALL can not work in this case as the account is already closed. Then again we got back to Amex telling what XXXX XXXX  has told us, and they said that's the only way the fund can be transferred back to XXXX XXXX< I also asked them if they can send me a Cheque to my address, they only kept on telling me to ask XXXX XXXX to Recall, now we also told them that the XXXXXXXX XXXX clearly said they can not Recall as the account is closed but Amex said that's the only way, This was XXXX XXXX with whom we spoke last on XX/XX/2023. I have posted this incident on XXXX as well, after which XXXX XXXX came forward to help us but after XXXX weeks of looking into the matter they said they can't do anything as the account got closed. Today XX/XX/2023 I posted on XXXX again after talking to Amex. I m frustrated and just don't know where to go who can help me, this money I kept for XXXX for My son 's education and now it feels like I am never going to get back. PLEASE HELP ME, if you can... 


Thank you so much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I have identified several accounts that are either inaccurate or unfamiliar to me, which are negatively impacting my life. These entries are hindering my progress toward securing a home loan I am actively working toward.

In particular, I have noticed a reference to a company called XXXX XXXX an XXXX XXXX. Contacting XXXX XXXX they informed me this account is closed, and they no longer manage the debt. However the associated debt remains on my credit report, even though the company they claim has purchased the debt is not listed on my report. I have no affiliation with this debt buyer and can not validate the legitimacy of their claim.

I kindly request the immediate investigation and removal of these inaccurate entries from my report. Ensuring that my credit report reflects accurate and verified information is essential for maintaining the integrity of my financial standing and enabling me to achieve my homeownership goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed several disputes with Experian dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX  has admitted that they do not have any information to validate that I am truly liable to a debt, yet Experian says they have it and will not send to validate the debt.
Product: Debt collection

I have called XXXX on several occasions, went with Financial Assistance and they have cleared me of all debt. They have stated that I'm debt free. On informing this information to you, any further notices anything coming in the mail. I will consider harassment moving forward. In other words quit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.