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

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving inaccuracies related to several charge-off accounts listed on my credit report. These accounts, listed below, continue to be reported with the full balance despite being charged off by the creditors : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX Under **15 U.S.C. 1666b**, **15 U.S.C. 1681i**, and **15 U.S.C. 1681s-2**, creditors and credit reporting agencies are required to report information accurately. I have reason to believe the reporting of these accounts is inaccurate for the following reasons : 1. When a creditor charges off a balance, I understand that I should receive a **1099-C form** indicating that the balance was canceled and must be reported as income. However, I have not received a **1099-C** for any of the accounts listed above.

2. Once a **1099-C** is issued and the balance is considered income, the charged-off amount should not be reflected as an active debt on my credit report. Despite the charge-off, my credit report shows the full balance, which is inconsistent with the cancellation of debt process.

3. Upon reviewing my credit report through XXXX, I discovered these inaccuracies. It appears that creditors continue to report the full balance, which contradicts the nature of a charge-off, as I no longer have access to the credit associated with these accounts.

I respectfully request that the CFPB investigate this matter and assist in correcting these inaccuracies. Specifically, I request that these charge-off accounts be removed from my credit report to reflect the correct status by federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer # XXXX Date of birth XX/XX/XXXXXXXX SSN XXXX Id type driver license Id # XXXX My address XXXX XXXX XXXX XXXX XXXX nv XXXX I am writing to request an investigation of the following information that appears on my early warning system consumer report I have never opened or used the following accounts XXXX XXXX XXXX  Account # XXXX Routing # XXXX Date opened XX/XX/XXXX XXXX Account # XXXX Routing # XXXX Open date XX/XX/XXXX XXXX XXXX  Account # XXXX Routing # XXXX Open date XX/XX/XXXX I don't recognize the following accounts in question.Im a victim of identity theft and I don't recognize these accounts on my report.Im requesting the following information be deleted from my early warning consumer report immediately I've attached a copy of the report to this request
Product: Mortgage

Wells Fargo admitted to wrong doung by sending me {$200.00} check. I dispute this amount as I had to pay an attorney {$1500.00}, moving expenses and distress having to abandon my home. I feel I am entitled to more. Please see my number of complaints trying to resolve with your organization. Wells Fargo had deceptive and illegal business practices. I called them upon receipt of {$200.00} and they assured to camm me back in 72 hours and they never did. Is been over 5 days.
Product: Mortgage

I previously summitted a complaint in regards to a couple late payment 's being reported on my Mortgage loan. United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/20 & XX/XX/20 and I was never late. They stated that the representative when I called in to make my payment in XXXX failed to run the payment and they will request for that late to be removed but there is no late being reported in XXXX. They also stated I was setting up my auto draft online, which I request the representative set up my account in auto pay when I called in to make a payment. I was not contacted when the account defaulted, I did not receive any calls, notices or letters. If I was made aware of the auto draft not being set up I would have called and made my payment to avoid the late notations. These late 's are erroneous and need to be removed from my credit file. This is the representatives fault for not setting up my payments or running my payment. I need the XXXX and XXXX late 's removed. I was not late and never have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital XXXX XX/XX/XXXX Club Exploria LLC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Contract Callers XX/XX/XXXX Has violated my rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX XXXX  XXXX. Please remove any and all other addresses reported.
Product: Mortgage

Attached you will find all of the complaints I have submitted to CFPB concerning the illegal foreclosures and illegal modifications.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the fradulent account reported to my Experian report. XXXX XXXX  and XXXX XXXX  credit card.
Product: Debt collection

I'm currently in bankruptcy my bankruptcy number is. XXXX. The debt collector company American Coradius International LLC. Can you please tell the company to stop sending me collation letters. They were notified by the bankruptcy court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all my accounts with the same name and address, but companies refuse to change my last name to XXXX from XXXX. Ive been XXXX XXXX since XXXX. I currently checked again my Experian and its a whole new address and Ive never been to Florida. I also cant seem to get the other company to pay me the money for me being involved in fraudulent activity from other credit bureaus and I have the pictures and I cant seem to get calls or emails or anything back. It was under XXXX XXXX that the fraud was under and now someones got my personal information in Florida.
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C. 1681 Sections 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 to any consumer reporting agency if the person knows or has reasonable causer to believe that the information is inaccurate.
Product: Vehicle loan or lease

Refinanced my joint car loan from XXXX  to XXXX  XXXX XXXX XXXX. Purpose lower rate and remove myself from loan around XXXX payoff letter was sent to the credit union XXXX XXXX XXXX XXXX address. The credit union sent it to Toyota XXXX in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The reason they sent it to Toyota is because my purchase paperwork stated Toyota was the Lienholder. I called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't find where it went. I called XXXX XXXX on XX/XX/2022. XXXX XXXX opened a case, I was warned that this may not work, but they will try and get the funds transferred over. No success so far.
Product: Debt collection

The company, IC Systems, claim to have a debt in my name owed to XXXX in the amount of {$300.00}. I have never received any written notification by them or XXXX regarding this debt. I noticed this on my credit report from another collection agency reporting from XXXX. However, I have called this company and they claim the account was sent back to XXXX. Furthermore, I get in contact with XXXX and they claim that the account was never sent to them from the previous company before IC System took over. 

I got in contact with IC System and spoke to a very rude representative from their company. I verbally asked for a itemized statement to be sent to my home address, in order, to view what was owed and why to XXXX. The representative refused to mail the itemized statement which I thought under the FCRA that I have a right to get this information without this kind of harassment from a rep. He told me that they do not mail out itemized statements due to their policies? I told the rep over and over that I was going through a divorce and that I needed this statement for court ( martial debt to be split ) ; however, he refused and told me that " it doesnt matter if you are getting divorced, you still owe this ''. This rep was very unprofessional over the phone and refused to give me validation on the debt owed. I felt very disrespected by the rep and simply hung up on him because of it. 

IC Systems should not be reporting this to my credit without any proper notice whatsoever, considering they hire people described above that refuses to give out validation for a debt owed. This should be deleted completely and no further contact from this company to me.
Product: Mortgage

My Loan Servicing company ( Newrez ) had fraudulently paid XXXX different companies home insurance premiums for the same home. And not helping me get the refund Mortgage company NewRez Mortgage XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX PHONE NUMBER : ( XXXX ) XXXX FAX NUMBER : ( XXXX ) XXXX E-MAIL : XXXX My Loan is Loan ID : XXXX I wrote to Newrez Loan servicing company -- -- -- -- -- -- -- -- -- I was going through my statements and noticed that your company has paid XXXX different insurance payments on XX/XX/year> for {$4800.00} and on XX/XX/year> for {$6300.00} to XXXX different insurance providers. 
I remember I had called and spoken to an agent and given them proof of the alternate provider and to NOT pay the default premium to an insurance provider selected by the mortgage processing company for {$6300.00}. 
How are you paying XXXX insurance premiums for the same home to different providers. Please immediately refund the {$6300.00} to my account and resolve the cancelation with the provider you selected. They have not even given me any documentation for insurance policies and there is no reason I would want it. 
Nobody needs XXXX concurrent insurance policy for same coverage with XXXX different companies. Surely your systems should have seen this and identified the mistake A LONG time ago. Please fix this asap and give me my refund of {$6300.00}. 

They replied back saying this was not their problem but mine. How can I claim refund if I did not even know till I started looking at the escrow balance recently that they had paid XXXX different companies for the same insurance. Now the insurance company instead of refunding full {$6300.00}, is only giving me {$2200.00} and I am short by {$4000.00}. 

This is the loan servicing company response : -- -- -- -- -- -- - Please be advised, payment has been disbursed to XXXX XXXX  in the amount of {$4800.00} on XX/XX/year> and XXXX insurance in the amount of {$6300.00}. Furthermore, to view your payment history online, please review the following steps : Sign in your online portal by going to https : //myaccount.newrez.com It will direct you to the main login page. Your username is : XXXX Go to the Payments tab and select Payment History. 

It is your responsibility to obtain a refund from any previous insurance carrier you may have had at the time of your insurance policy change. Returning the refund check would avoid your escrow account from having a shortage. 

Furthermore, you may return the insurance refund check to replenish your escrow account online, by mail, or over the phone. To remit the payment online, please uncheck the box for your Regular Payment and select the box Escrow Only Payment. Your account must be current for this option. You may also send the escrow payment by mail : -- -- -- -- -- -- -- -- -- -- -- Please help me hold this company responsible for not validating that they were simultaneously paying XXXX different companies for same property insurance, despite my telling them that I only had insurance through XXXX. 

Thank you XXXX
Product: Credit card

These people have scammed me for my XXXX and will not return my money. I keep calling them to return my money, and they have not. This was a pending charge that should have never went through XXXX XXXX, Thank you for applying for a First Progress Mastercard! We have received your fully refundable* security deposit. 

This is a confirmation that on XX/XX/year> you authorized a Debit payment of {$2000.00} dated on or after XX/XX/year>. This payment will be taken from your account ending in XXXX and applied to your First Progress account.

If your application is not approved, we will return your security deposit to you. If you have questions about this notice or your payment, please contact us at ( XXXX ) XXXX. 
The First Progress Team *The deposit will be refunded at account closing if the account is up to date with no outstanding fees or charges. See Important Disclosures provided within the application for additional details. 

You are receiving this email from First Progress Card in accordance with our service agreements. Please do not reply directly to the automatically generated email message as it will not be read by a representative.
Product: Credit reporting or other personal consumer reports

Due to discrepancies in missing payments, XXXXXXXX XXXX XXXX XXXX and myself are currently in litigation procedures and will be tied up in legal proceedings for the foreseeable future. It is because of these proceedings, along with the open and active disputes, that XXXXXXXX XXXX XXXX has listed the status of this account as " DISPUTED : CONSUMER DISPUTES ALL INFORMATION ''. This is the CURRENT STATUS of this account and myself, along with XXXX, have gone to great lengths to ensure that this status and, ONLY THIS STATUS, be reported by the credit bureaus. Unfortunately, after several attempts by XXXX and myself, to have the status of this account be reported correctly, the credit bureau has remained implicit in ignoring the demands of both the creditor and myself to report the correct status and has engaged in highly ILLEGAL activity by filing fraudulent disputes in the consumers name simply to remove the 'disputed ' status of the account and report the 'new ' status as they see fit. XXXX credit services has even taken the extraordinary steps of providing, not one but, two letters to the credit bureaus explaining, in writing, what the correct status of the account is, ( disputed ), AND why they were reporting it as such, ( disputed ). The first letter was written and sent in XXXX of XXXX  and the 2nd was written and sent in XXXX of XXXX, back to back months. Unfortunately, despite all aforementioned attempts on XX/XX/year> XXXX filed a fraudulent dispute in my name to have the status of the account changed back to charged off or delinquent, completely ignoring the disputed status that is supposed to be reported. This is my final attempt to try and get the correct status of this account reported correctly by the bureaus before filing a lawsuit for negligence, criminal activity as well as fraud for the aforementioned activities listed in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent me a dispute investigation results letter dated XX/XX/XXXX for XXXX Account # XXXX. The investigations results letter described by Transunion as " accurate '' reports, by them, XXXX chargeoffs for the same account with no known payment history to justify these chargeoffs. In fact, the prior payment history that Transunion describes as " accurate '' is, by their definition, " unknown ''. 

This is completely inaccurate and needs to be fixed. 

Their investigation results letter ( attached ) stated that the investigation results were " verified as accurate and updated '' even though the date updated on the report they sent is XX/XX/XXXX. Furthermore, the information on the report was not updated, corrected or deleted as required by law. 

Therefore, Transunion did not conduct an investigation into my dispute for inaccuracy as required by law. They not verify the accuracy of the information regarding this account or they would not generate a results letter containing unknown information as accurate and updated! 

Like most of my factual disputes for inaccuracy, Transunion has opted to stamp my claims as " verified as accurate and updated '' without conducting an independent investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX XXXX XXXX  XXXX . 
XXXX XXXX XXXX
Product: Mortgage

My previous lender sold my mortgage to Rushmore and I have never felt so threatened by a mortgage servicer in my life. It is constant harassment about my payment even during grace periods. When I try to pay online they make me call my payment in. Problem is I am stuck on hold for over an hour. I work a lot and their business hours seem to change. I will call and they will be closed or keep me on hold til they close. One month I was late because they closed early??? Why cant I pay online? Its almost like they are doing it on purpose. Also my previous lender adjusted my escrow for next year prior to them transferring it. Rushmore adjusted it again for the same year so now my payment is going up another {$250.00}. I tried to get an explanation but the rep was zero help and incredibly rude. I hate dealing with this company. It creates constant stress and I feel like they are using predatory practices. I have to watch my statements every month, my credit report, and now they are sending me certified mail. Im never home to receive it so I get these dreaded notices. Its panic inducing.
Product: Debt collection

They are charging me 4 times more than the bill was that XXXX XXXX sent me before I was evicted from the apartment
Product: Debt collection

I am writing to dispute the collection account reported by Credit Collection Services on my credit report. This account was previously deleted and, according to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), any information that has been deleted must not reappear on my credit report unless it is verified as accurate and complete. Re-insertion of deleted information without proper certification is a violation of the FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you investigate this matter promptly and ensure the account is permanently removed from all reporting bureaus, as required by law. Please provide me with confirmation of your findings and the actions taken regarding this dispute. 

Thank you for your attention to this matter.
Product: Debt collection

This debt is not mines I filed a police report please remove this off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9 missed  payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for ye ar 2015 showi ng a payment every month to  XXXX  Web Pmt Single - Online Pmt  XXXX