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

According to Original Complaint # XXXX, I requested to have all accounts placed in collections/charge off status has been reported without the creditor mailing me a copy of my IRS form 1099-C or 1099-A, operating as a scheme to continue collecting from me even after the debt has been written off. This is in violation to 26 USC ss 6050P. Some of the items are still reporting unlawfully. This is a FINAL request to have all derogatory account information deleted from my credit file within 10 calendar days or I will be forced to officially file IRS form 3949A and IRS form 211 against all entities involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) In addition to derogatory accounts, there are several instances where my personal information has been reported incorrectly. The ONLY spelling of my name is XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX. My ONLY current address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. My correct social security number is XXXX. My correct date of birth is XX/XX/year>. Please make these corrections effective immediately. This is a FINAL request. My next step will be to officially file IRS form 3949A and IRS form 211 against all entities involved. This is in clear violation to 26 USC ss 6050P.
Product: Mortgage

I sold a closed on my house on XX/XX/XXXX. When I sold my house, I received the closing statement from the buyer 's attorney that listed the partial claim that was going to be paid back to FHA at the closing of {$35000.00} in XX/XX/XXXX and another one back in XXXX, I am not sure of that amount. But the overall amount that I had to pay back from the proceeds of my home being sold was over {$45000.00}. This was quite a surprise to me. I have contacted Midland Mortgage several times to get an explanation and an itemized printout of all payments, fees, and printout of payment history along with how this amount was calculated. I am just looking into this now because I sold my house. When I signed the one modification in XXXX, I had XXXX XXXX and was XXXX XXXX XXXX for 13 weeks. I was going through XXXX and XXXX for a year and on so many types of medication.
Product: Credit card or prepaid card

This is the second time I have disputed a charge with Citibank and they refuse to investigate. I stayed at XXXX XXXX in XXXX NH from XXXX XXXX-XXXX, 2017 and paid for it with my Citibank card. The hotel suffers from infestation - rats and mice - which everyone at the conference I attended reported. Rodents actually ran across the speakers area at the conference while they were speaking so literally one hundred people witnessed this. I reported it at the time - along with others - and nothing was done. I have a complaint number XXXX to prove that I reported this and Citibank continues to honor the hotel 's denial even though there are several witnesses to this.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts DeptedXXXXXXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

are not complete and accurate.
Product: Credit card

Re : PayPal Smart Connect failed Purchase dated XXXX/XXXX/15 for a XXXX XXXX XXXX XXXX Tablet for {$980.00}, Item ID # : XXXX paid with PayPal Smart Connect for promo payments with no interest charge earning up to {$68.00} rewards. Thus, I never use my credit cards and credit for payment plans that require I pay interest. Up until this time, the only reason I used Smart Connect Credit was for promo payments, since, I have over a dozen credit cards that pay me up to 7 % rewards. Therefore, I was supposed to make payments with this purchase with no interest charge ; however, the purchase failed. 
I was going to return my tablet But then I agreed to keep the tablet if I would be put on a payment plan with no interest charge. 
I then discussed it on a XXXX way call with PayPal and Synchrony bank this year in XXXX, that I would get the interest charge reversed. PayPal and Synchrony Bank Agreed ; otherwise, I would have returned my tablet. However, Synchrony Bank backed down from their promise and started charging interest charge. Synchrony Bank did reverse a few charges but not all of them. 
Therefore, last month I paid off my table, totaling {$980.00} without the interest charge that was supposed to have been reversed. I borrowed the money elsewhere ; since, I was and am sick & tired of dealing with PayPal ; XXXX and Synchrony Bank. 
I did tell Synchrony bank I was going to cancel the XXXX I did not ask for and that Synchrony Bank had transferred the interest charges to ; which, it is illegal. 
I am requesting for Synchrony bank do not reverse the statement balance of {$59.00} ; which comprises of interest charges.. 
So please, help me communicate with Synchrony bank for the last time to take my complaint seriously. I do not appreciate wasting 7 months with this issue. XXXX, inactive XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the CDIA 's definition of your verification process, e-OSCAR, " eOscar is a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.
Product: Debt collection

I was never given a letter or email stating I owed anything to this company. I dont know what the debt is for other than Kay Jewelers XXXX No notifications of what was bought or anything. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXXXXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX  children and need this deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXX, Experian and XX/XX/XXXX to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.
Product: Mortgage

Please Im asking CFPB for your continuing help as you all have done so well in assisting me with the companies in getting the information that I needed to present to the court for the alleged mortgage loan real estate fraud. Select Portfolio Servicing has accelerated late fees in which whenever a dispute is being made a late fee is not  supposed to charge and increase mortgage loan payments when my property insurance ( escrow ) went down but my mortgage payments accelerated from {$1000.00} to {$1100.00}. Attached is a copy of US. District Court Southern District of Florida ( XXXX XXXX Civil Docket For Case # XXXX XXXX XXXX XXXX Select Portfolio Servicing . I want to settle this mortgage loan situation so if possible that XXXX XXXX in the Settlement for Mortgage Regulation can assist me with this case, because I dont have the funds to obtain a lawyer, Im very limited on funds because I receive XXXX social security check. You all have all the information and documents that was sent to you from XXXX XXXX XXXX, XXXX  XXXX XXXX and Select Portfolio Servicing. Also review fraudulent activity on FHA Connection lender query
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 



I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to document being a victim of identity theft.
Product: Credit card

I used my Synchrony HOME Credit Card at XXXX to purchase a mattress and adjustable base. I charged XXXX on the card. I paid XXXX XXXX dollars on the card. I returned the mattress and adjustable base to XXXX. I called Synchrony on XX/XX/XXXX to get my XXXX dollars back. I was told a refund check would be issued. I looked online at the activity on my card. A refund check was supposedly sent on XX/XX/XXXX. I did not receive my check by the XXXX of XXXX so I called back and was told to wait 7 more days. I waited until today and I havent received my check yet.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX. We went to court over this .One the order the order is blank. A copy of this order was sent to all credit reporting agencies. And the child support on that amount is not social security number. All credit reporting agencies will receive this and so will the child support registry in XXXX. If is found harsment. There will be a law suit filed. If one on can understand that court order. Where it starts blank in the order. By law I have the right to see that court order the child support registry has. To make sure everything matches what I have
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX / / Acct # XXXX Acct Name : XXXX XXXX XXXX / / Acct. 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. Also, States 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 or any other adverse item of information, other than records of conviction 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell you to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 
XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX GM FINANCIAL Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report. 
I request you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters. 
This copy must be provided free, according to 15 USC section 1681j. I request that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681 of the Fair Credit Reporting Act, Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Equifax in the past and the information was not changed after their " investigation ''. Please update this information immediately as it has hindered my ability to obtain credit and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Experian a XXXX letter with hard evidence against XXXX XXXX XXXX XXXX against unfair credit reporting acts Showing I was not late in the month of XXXX. However, they keep going back to XXXX XXXX and they keep reporting me late. However, it is not late in the month of XXXX on XXXX and XXXX, just Experian. I have also tried going through the XXXX to get it resolved but they too have neglected to correct the information even after they provided me HARD proof that it was indeed a payment in the month of XXXX before the due date. Now I am opening a dispute against Experian for failing to conform to the LAWS in Section XXXX refers to in the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Checking or savings account

I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a bedridden individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almost XXXX XXXX at night one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again. I have cancelled my account and have tried to call WellsFargo multiple times regarding their feedback that they required additional information. I was hung up on twice before actually speaking to a representative who told me they did not know what additional information that was needed so they needed to reopen a complaint just to then receive an email saying it was closed because I did not provide the additional information!! How about someone actually call me on the phone and ask for the information. Or when I call back not hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

im submitting this dispute for the unfair and inaccurate information BMW SERVICES is reporting to the reporting agencies. they are reporting different monthly payments as well as different dates for " DATE LAST ACTIVE ''. im reaching directly to the furnisher as I have already tried to dispute the inaccuracies with the credit reporting agencies and nothing has been done. I am demanding BMW to be removed from my credit report immediately for inconsistently reports and lack of integrity of the account. According to 12 CFR 1022.42 each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency
Product: Mortgage

Reason ; The reason for my complaint is that in our current loan refinancing with cashcall mortgage, we have not been treated fairly in the refinancing proccess. 

What happened ; Started refinancing with cashcall mortgage in XX/XX/XXXX and still have not funded our loan. 

File Complaint ; Cashcall mortgage loan rep XXXX XXXX and loan processor XXXX XXXX have caused a lot of pain and suffering in the last 3 plus moths with the continuous lies about funding our loan and not delivering. our last update was XX/XX/XXXX from XXXX XXXX telling us that our loan was funded and of course it has not. 

Company Involved ; Cashcall Mortgage Who are the people involved? 
XXXX XXXX ( Loan Rep ) and XXXX XXXX ( Loan Processor )