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

On XXXX I sent a letter regarding inaccurate things on my credit report. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party. This collector/creditor did not provide HIPAA release to e able to collect n this debt.This is a direct violation of my HIPAA rights. I am proceeding with legal action, should this item not be deleted within the required time by law. I will also be seeking compensation as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of several charged-off accounts on my credit report, as reflected in recent credit reports obtained from various credit reporting agencies. The errors on my report are negatively impacting my credit score, and I believe that the information being reported violates the Fair Credit Reporting Act ( FCRA ).

The following accounts are inaccurately reported and must be removed immediately : Account XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX XXXX  Balance Updated : XX/XX/XXXX This account is inaccurately reflecting as charged off, and the balance past due does not align with the payments I have made and the written-off amounts. I request this account be removed from my credit report immediately. 

Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened XXXX XXXXXX/XX/XXXX Status : Charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Note : This account has been paid in full. 
The XXXX XXXX XXXX account has been fully paid, yet it is still being reported as charged off and past due. This is not only inaccurate, but it is also misleading and harmful to my credit profile. This account should be updated to reflect the paid status or removed altogether. 

Account XXXX : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XXXXXX/XX/XXXX Status : Open Balance : {$350.00} as of XX/XX/XXXX Recent Payment : {$25.00} as of XXXXXX/XX/XXXX Credit Limit : {$300.00} Highest Balance : {$540.00} This account reflects an open and active status ; however, given that the current balance exceeds the credit limit, I want to ensure that all information reported is accurate and up-to-date, particularly to avoid any incorrect or misleading reporting in the future.

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and I am requesting that the credit reporting agencies immediately investigate and remove these erroneous entries. The agencies are required to ensure maximum possible accuracy, and the ongoing inaccuracies regarding the accounts listed above are not in compliance with FCRA standards.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 4 ), outdated or incorrect negative information should be promptly removed from my credit file, especially for accounts that have been paid off or settled. In the case of XXXX XXXX XXXX, the status must be corrected to reflect that the account is paid, not charged off. 

I expect these errors to be resolved and the accounts to be removed within 30 days of receipt of this letter, as per the FCRA. Please notify me in writing once these items have been removed from my credit report.
Product: Mortgage

I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.
Product: Credit reporting or other personal consumer reports

An item was needed to be purchased from XXXX so credit card was used, because money could not be sent by mail. I used my XXXX card to secure the purchase. However the card was paid in full before any due date in fact as soon as the statement came in it was paid in full. I used the banks money because it was safer to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & XXXX   & Experian Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Amount {$700.00}, 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: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Debt collection

The debt not mine even so contacted them I think they are using wrong dates
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00} XXXXXXXX XXXX XXXX XXXX Balance : {$900.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Docket Identifier : XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I always have issues with the founds in the account do to balance or checks not being drposit on my accoint the day they said it was going to be there.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX ,  2017 , PayPal restricted my account  XXXX  XXXX  XXXX , because the associated   XXXX    account,  XXXX , was restricted by  XXXX  earlier that day. The  XXXX  account had all its listings removed and was restricted indefinitely due to fraudulent infringement claims filed by an   XXXX    competitor. The same competitor had been filing similar false infringement claims for over a year. On  XXXX   XXXX , I contacted  XXXX  to make them aware of the error. On  XXXX   XXXX ,  XXXX  admitted they erred and restored the selling privileges for the  XXXX  account and reinstated all the listings which were removed.     I then contacted PayPal by phone to have the hold on my funds removed, but was told by the PayPal rep that the hold couldnt be removed because the  XXXX  account was not in good standing. But the   XXXX   account  WAS in good standing, having already been restored. I followed up with emails to aup.paypal.com  on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . To date, the only response provided by PayPal is that the account will remain restricted due to violations of Paypal 's User Agreement.     To be clear, the hold placed on the PayPal account was a direct result of a mistake made by  XXXX .  XXXX  admitted the mistake and reversed th e action they took due to the mistake. However, PayPal will not reverse the action THEY took due to t he mistake.
Product: Credit reporting or other personal consumer reports

They took action by making daily phone calls. Here are several dates they have called me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( have much more ). Also, I have received letters and I will upload them at a later time.
Product: Debt collection

I frequently review my credit reports ( XXXX, XXXX, XXXX ) in XXXX, I noticed I had a collections Neg report. I had never received any Letter of Demand for Payment from anyone. As I investigated this issue, it was from my former place of residence. I didn't renew my lease for XXXX-2XXXX. So my move out date was XX/XX/2020. I cleared the apt and the location with a XXXX balance. I filed a dispute with XXXX, and within 2 days, the negative report was removed and credit score was restored. Not so lucky with the other 2 credit reporting companies. I have been in dispute with them since XXXX After their investigations, they respond with ( information reported is correct ) which is not. So XXXX XX/XX/2020, I mailed Transworld Systems Inc, a detailed letter with proof I didn't owe any money. ( bank statements covering the dates in question ). I have yet to hear from them. I am still filing disputes about this Neg credit mark. The basis for this ( Payment Due ) $ XXXX is for utilities not paid for XXXX/XX/XX/2020. The utilities are included in the monthly rent of $ XXXX. That being the case, If I hadn't paid my complete rent, Management would have notified me of partial payment and sent a letter of demand or an eviction. I paid my rent on time every time for 5 years. This is just total nonsense, that's probably why the entire staff was fired. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$730.00} ; XXXX  XXXX XXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}.
Product: Mortgage

XX/XX/2021 I spoke with my lender and completed all application. My lender confirmed receipt of my application and I was told his partner will contact me. The partner acknowledge the email as well. 

Within 20 minutes, I received a call from someone that claimed to be the partner, same name as the partner for my lender. After brief review on phone she transferred me to someone from AmeriSave Mortgage Corporation. 

I spoke with the AmeriSave Rep. thinking they are connected with my lender because I was just discussing with my lender. 

Later in the evening, I was on a call with my lender and I explained to him I got call from his partner after his email and he said that was not his partner and we confirmed it was not from his partner.

I called the AmeriSave Rep. and asked how he got my number and he confirmed Credit Bureau sent them my contact number after a lender checked my credit scores/information. 

I just felt this is wrong, I gave all my information to the Rep which I think is wrong. I do not know AmeriSave or trust them but because my information was shared with him and the name of the lender I was working with initially, They were able to confused me to think it was same as my original lender.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear Sir/Madam , EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX & XXXX BANK XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Mortgage

On XX/XX/XXXX of this year, my mortgage servicer, PennyMac, utilized {$3300.00} of my escrow account funds and negligently/invalidly paid the property taxes for an unrelated loan/parcel. I contacted them, via phone, regarding this issue on XX/XX/XXXX. They indicated they would remedy the error. After two weeks, there had been no progress toward remediation. I contacted them, again, via e-mail, on XX/XX/XXXX. They responded that they were " monitoring the account '' and were waiting to converse with the Assessor 's Office for my county. I contacted them, again, on XX/XX/XXXX. The customer service representative indicated that nothing had been done to remedy the error. I explained to them that I had decided to sell my home and needed the funds restored to my escrow account to apply them to estimated taxes at close. They said they would expedite my request. As of Monday of this week ( the XX/XX/XXXX ) nothing had been done. I have provided them with my parcel number and a copy of the tax bill indicating that my home, which was only constructed in XX/XX/XXXX of last year, has no current taxes due. Because they have not assisted me, I will be forced to pay the estimated taxes ( roughly {$3500.00} ) out of my own pocket at close. Altogether, I have spoken with six customer service representatives and sent five e-mails regarding this issue.
Product: Credit card

My bank account was compromised due to fraud. XXXX XXXX XXXX made me close the account and start a new account. i contact my credit card company Wells fargo Home Furnishings and informed them about it. In the past one month itself they kept running my EFT payments with the old account almost 4 times a month and then charging me a fee for it. I want all the fee waived and stop them from doing this.
Product: Credit reporting 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. 

Account Name : 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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