23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan # XXXX Re : Liquidation of Property To Whom It May Concern : I am going to sell the property ASAP and just dropped the price by {$75000.00} for a quick sale, then 15 to 30 days to close escrow. I want to move out of California. I sent a {$2500.00} payment to Shellpoint a few months agothe last of my money. 
My house was in such poor condition it had to be remodeled and repaired in order to acquire an acceptable offer. 
My real estate broker is XXXX XXXX and will have my debt paid in full to Shellpoint and the investor in the next 60 days or sooner. 
His information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please contact him if you need anything and please grant me the time needed to complete the sale without incurring any attorney fees. You will be paid in full!

I will send you a full loan modification file to see if you will approve me for a loan modification so I can sell without the burden of dealing with a foreclosure, but you have declined ne several times in the past and were never willing to help XXXX, I am selling my home. I just need some time to pay you off. 
If there is ANY forbearance plan ir anything that ill buy me more time, please help me to avoid foreclosure and allow me to sell my house to pay you without foreclosure attorney fees. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX - Account Number : Unknown - Date of Charge Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My students have been XXXX as of end of XX/XX/year>. I disputed with all three credit bureaus. The company, Mohela, is saying the balance still has not been dismissed. The Department of Education and Mohela accounts on my end both show dismissed paid in full with a XXXX balance. I also received a letter from the Department that these were paid. I researched and found out this is common for Mohela. People have waited several months to have these loans removed from their credit reports. They indicated to contact the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted XXXX acct : XXXX because it has been over the allowed seven years on my credit back in XXXX XXXX XXXX since then they have re-aged the accounts Date Opened from XXXX  to current showing XX/XX/XXXX. i have disputed this account numerous times for inaccuracies especially when the date opened was XX/XX/XXXX and it was verified multiple times, but now they have blatantly re-aged the information on this account. Also it appears that even the account number may have been altered or cganged.
Product: Debt collection

I have filed several complaints and am getting nowhere. I am attaching JH Portfolios response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
Product: Credit card

I called Chase United Business credit card to ask if global entry {$100.00} Credit is a card benefit. They informed me yes and I went ahead and use the card for XXXX XXXX in XX/XX/year>. 

In XXXX I did not see credit so I called and the agent opened a case and confirmed me that XXXX XXXX XXXX is a benefit and it will be credited. 

In XX/XX/XXXX. XXXX  I got a letter saying " Your card does include the benefit of a statement credit '' but when I call, the agent tells there is no benefit. 

This is misleading and should be investigated
Product: Credit card or prepaid card

Last XXXX I went on vacation to XXXX and we went to a time share they said they needed to charge my card a certain amount of money in order to process the time share. They told us once we reviewed the material and if we were not satisfied we could cancel at any time. It was a lot of material they gave us and we did not get around reviewing everything until sometime in XXXX / XXXX of 2020. When we reviewed the material we found out that the time share did not work the way it was explained and we were not happy about it. We tried cancelling and they told us it was too late to cancel. They lied to us. Also we found out the whole transaction was based on bad information we were told that the transaction would not go thru if one of us wasnt working and at the time my husband was unemployed and they still put the transaction thru. We were stuck with the credit card bill and with the time share also. we reached out to the credit card and made a dispute but they responded that we were liable for the charges. We have not been able to use the time share and the credit card transaction was for part of the time share. The credit card is with Barclay/RCI the credit card company already sent it to a collections agency with XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX creditor shows barclays bank delaware account number ending in XXXX regarding RCI Elite Rewards Master Card the amount due is {$4100.00}
Product: Debt collection

Was in car accident have not received these bills or any information accumulation of over 50,000 $ had insurance at the time and received nothing not even sure if they tried to run my insurance this is the first Ive seen of it and it took place around 4 yes ago
Product: Credit reporting or other personal consumer reports

Attn : Legal Department Re : Cease and Desist Request for Debt Collection Activities Dear Sir/Madam, I am writing to formally request that your company, cease and desist all further communication regarding the alleged debt referenced in your prior communications with me. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am exercising my right to demand that your company stop all communication with me regarding this matter.

Please note that I am fully aware of my rights under the FDCPA, and I expect full compliance with the law as it pertains to my situation. Therefore, I request the following : 1. Immediate cessation of all collection activities : Please refrain from any further telephone calls, letters, or other forms of communication with me, either directly or through any third party, regarding this alleged debt.

2. Verification of the debt : If you believe I am obligated to pay the debt, I require that you provide me with proper verification, as stipulated under 15 U.S.C. 1692g. This verification must include the amount of the alleged debt, the name of the creditor, and other relevant details.

I also want to remind you that any further attempt to contact me may result in legal action under the FDCPA for violations of my rights as a consumer. Should you continue to contact me in any form after receiving this letter, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office, as well as seeking legal remedies available under the law.

Please take this letter seriously and ensure that your company adheres to the regulations under the FDCPA. I trust you will take prompt action to resolve this matter. 

Sincerely, XXXX XXXX
Product: Debt or credit management

I was charged upfront fees for Lexington law for service I didnt get
Product: Debt collection

The following account is not mine SPEEDYCASH COM XXXX CA Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a notice in the mail from XXXX card accounts for a charge card made in my name that had apparently not been paid for on time. I did not open this charge card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX, I have only made credit cards through the Bank. I am attaching the paper showing the charge card made from COMENITYCAPITAL as well as a credit report printout showing the unauthorized accounts as documentation.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion Credit Bureau have not complied with the Fair Credit Reporting Act of the Federal law. I have been sending dispute letters as well as CFPB complaints to them and have been waiting for their response and yet I received nothing. The account XXXX XXXXXXXX with an alleged Balance : {$2600.00} was already deleted from the other Credit Bureaus and is only reporting in TransUnion Credit Bureau XXXX Under the FCRA, Credit Reporting must be accurate. It makes me wonder if TransUnion really did investigated my Credit File, and if TransUnion did the same action as the other Credit Bureaus then how come TransUnion is the only one reporting the disputed Account. Also, I have been constantly reminding the TransUnion Credit Bureau that I have been a victim of identity theft and that the disputed items were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies ( TransUnion ), are required to remove the items that resulted due to identity theft. I need the following items deleted as soon as possible : XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

I dispute a charge on my bank account ( PNC ) hoping to get my money refunded because my whole XXXX order ( XXXX ) teaching number ( XXXX ) usps says delivered but I waited till the post man came to drop off my package when the mailman came to my mailbox he didnt drop off my order when I came outside to check there wasnt any packages so I went up to him when he stopped at my neighborhood house and ask him he told me there wasnt any box that supposedly delivered! Im upset and frustrated that my order still has not yet to come he also told me to go check my local post office but they said the package is with the mail man! And he informed that he doesnt have
Product: Credit card or prepaid card

Capital One called me regarding a request I put in about rewards miles and called me by the wrong name, likely had a different customer 's info up on the screen at the time. It took over 2 weeks to have their executive resolution team contact me to  address. Since then, capital one continues to promise call backs and fails to do then. 4 times I was promised a call back in 24-48 hours and the call back never came. Agents and even managers hang up the phone in customer 's face. Company has  TERRIBLE service across the board.
Product: Debt collection

{$1400.00} XXXX XXXX XXXX XXXXXX/XX/year> I contacted them and repeatedly informing them of the issue and inaccuracy of this account. They insist on harassing me through emails and phone calls
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>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 Experian Information Services XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX IDEAL XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX Date of Inquiry XXXX
Product: Debt collection

I had moved and a bag of paperwork with information of mine in it was left at the old house when the new people moved in my old house they found the paperwork and used my personal information to obtain money and items and get phone service in my name
Product: Mortgage

In XXXX I received a letter from Specialized Loan Processing saying the Loan I had with XXXX XXXX XXXXXXXX XXXX was transferred to them for Servicing. I contacted them to make my payment for XXXX but they could not locate my account so I reached out to the previous mortgage company XXXX XXXX XXXX to explain my dilemma and they said I could make the payment to them and they would send it to the new loan Processing Company SLS. Although that was done they are not recognizing the payment towards my XXXX mortgage they call me multiple times a day and then when I call them back they transfer me from person to person to person to person and have been harassing me for additional mortgage payments above and beyond the mortgage payments that I always make on time.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice : Inaccurate Payment Reporting for XXXX XXXX XXXX Account and Unjust Credit Score Impact This letter serves as formal notice of your failure to accurately report my payments for my account with XXXX XXXX XXXX. This inaccurate reporting has unjustly led to a monthly credit score decrease of XXXX points despite my demonstrated compliance and timely payments. Your actions violate the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates the accurate and fair reporting of consumer credit information. 

Account Information Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Description of Issue : INACCURATE CREDIT REPORTING SINCE XXXX. 
Violations of Federal Law Under the FCRA, credit reporting agencies and furnishers of credit information are legally obligated to ensure the accuracy and completeness of all information reported. Your actions violate the following provisions : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must provide accurate information and promptly correct any errors when notified by the consumer or the credit reporting agency.

15 U.S.C. 1681i ( a ) : Upon notification of a dispute, consumer reporting agencies must conduct a reasonable investigation and correct or delete any information found to be inaccurate. 
Harm Caused by Your Actions Your failure to accurately report my payments and the corresponding unjust credit score decreases have caused financial harm, including but not limited to : Reduced creditworthiness in the eyes of lenders. 
Emotional and financial distress due to incorrect reporting. 
Demand for Immediate Corrective Action I demand that the following actions be taken within XXXX calendar days of receipt of this letter : Immediate Correction : Update my credit report to reflect accurate and timely XXXX XXXX XXXX  account payment history. 
Written Confirmation : Confirm that my payment history has been corrected and is now accurately reflected in my credit report. 
Credit Score Review and Adjustment : Conduct a thorough review of the unwarranted decreases in my credit score and make the necessary adjustments to restore my score to its accurate value. 
Preventive Measures : Outline your agency 's steps to prevent future inaccuracies. 
Legal Ramifications of Non-Compliance Failure to address this matter in a timely and satisfactory manner will leave me with no choice but to take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action under 15 U.S.C. 1681n for willful non-compliance, including actual damages, statutory damages, attorney fees, and punitive damages. 
Enclosures Please find attached : Payment records for the XXXX XXXX XXXX  account demonstrate timely payments. 
Recent credit reports show that inaccurate reporting and unjust scores have decreased.
Product: Checking or savings account

I have accounts at Ally Bank. 
On XX/XX/2023 I attempted to create online access to my account at Ally Bank but the system revealed that some other individual has already created online access for my account tied to an unknown phone number. 
I called Ally Bank and they refused to authenticate me and grant me access to my account. They claimed a Specialist will call me. They refused to tell me what number the Specialist will call me at, whether it is my actual phone number or the unknown phone number of the some other individual who is not me who has already tied up online access to my account. 
I demand access to my account.
Product: Credit card or prepaid card

I have a debit Visa card from Cash App. In the app, I can add a promotional " boost '' to the card for getting 10 % back on purchases made at specific stores. I selected such as boost for XXXX and made a purchase of a gift card at that online store, but did not receive my boost. When I inquired about this, I was advised that buying a gift card was excluded from boosts. However, nowhere on Cash App 's app or site do they explain this. I've repeatedly asked their customer support to show me an app screen or web page that explains this exclusion, and they have not been willing to do so. I believe such a page does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

under Fair Credit Reporting Act. The accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. Account name : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX COMMUNITY Account # XXXX XXXX. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX 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. 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1861 Section 604 A Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions.

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

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : 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