23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted requests to : XXXX XXXX and Experian, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation.

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against CONSUMER ADJUSTMENT CO for improper credit reporting and deceptive practices, which violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This agency has reported a collection account originally from XXXX, but they have falsely re-aged the debt to XXXX, making it appear newer. This is a clear violation of FCRA 605 ( c ), which limits how long negative information can be reported. The agency has misled credit bureaus and lenders by altering the date, negatively impacting my credit score and financial opportunities.

Additionally, I have not received proper debt validation as required under FDCPA 809. When I disputed the inaccurate reporting, the agency failed to correct the false date or provide legitimate documentation proving the correct date of the first delinquency. This deceptive practice constitutes unfair and misleading debt collection tactics under 15 U.S.C. 1692e.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Request to Remove Inaccurate Information from My Credit Report Report Number : XXXX Address ID ( s ) : XXXX, XXXX, XXXX Name ID ( s ) : XXXX, XXXX, XXXX To Whom It May Concern : I am writing to formally request the immediate removal of inaccurate information from my credit report, as outlined above. The information associated with the specified Address IDs and Name IDs is incorrect and has caused undue harm to my creditworthiness. This information violates the Fair Credit Reporting Act ( FCRA ) and infringes upon my consumer rights under federal law. 
Specifically, under 15 U.S.C. 1681c ( FCRA Section 605 ), consumer reporting agencies are required to ensure the accuracy and completeness of the information contained in credit reports. Furthermore, 15 U.S.C. 1681i mandates reinvestigation of disputed information and removal of unverifiable or inaccurate items. Additionally, under 15 U.S.C. 6802, you have a duty to protect my personal information and ensure it is not disclosed or retained inappropriately. 
The information outlined above has been verified as inaccurate. I demand the following actions : 1. Immediate removal of the inaccurate addresses and names associated with the identified Address IDs and Name IDs. 
2. Written confirmation of the removal of the disputed information from my credit file. 
3. Assurance that these inaccuracies will not reappear on my credit report in the future. 
Under the FCRA, you are required to investigate my dispute and correct or delete inaccurate information within 30 days of receiving this letter. Failure to comply with federal law may result in legal action, including seeking statutory damages for willful noncompliance. 
Please respond to this request in writing and send your confirmation to my address listed above. I have enclosed a copy of my identification ( e.g., government-issued ID and proof of address ) for verification purposes, as well as a copy of my credit report highlighting the disputed information. 
Thank you for your prompt attention to this matter. I expect full compliance with the law and look forward to your confirmation of the requested actions. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of identification ( e.g., drivers license, utility bill ) 2. Copy of credit report with disputed information highlighted
Product: Credit reporting or other personal consumer reports

Lexis Nexis, Please update my report with my attached contact details. 

Once complete please email or mail me the updated report. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting

TransUnion is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V TRANSUNION 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
Product: Credit reporting or other personal consumer reports

I disputed an collection account XX/XX/XXXX and also filed an complaint with the CFPB about this same collection account that was being inaccurately reported from XXXX. I also asked XXXX for an re-investigation of this same collection account due to the fact I never received any documentation to validate this alleged collection. On the contrary, XXXX deleted this collection from my credit report the Month of XXXX of XXXX along with XXXX and XXXX because it could not be properly verified. However, I reviewed my credit report in XXXX of XXXX and this collection reappeared in my credit file. As to date I have not received any written notices from XXXX or the Collection Agency LVNV FUNDING LLC stating that the reinsertion of a previous deleted account has reappeared into my credit file. I would like to also state the fact that XXXX along with XXXX does not properly investigate disputes from consumers.
Product: Credit card

My Apple Card account was restricted on XX/XX/XXXX with no explanation. I contacted Apple Card support and was told there was an investigation on my account that would require 5-7 days to complete. On XX/XX/XXXX, I received an email that my Apple Card was closed because " There was a failure to comply with the terms of the Customer Agreement ''. I contacted Apple Card support to inquire about what term I did not comply with but was told they could not reveal that information. They also told me I could not reapply for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter report that I filed as well for Identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX XXXX  XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX XXXX {$7700.00} Fraudulent Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XXXXXXXX XXXX, {$750.00} was withdrawn from my account without my authorization. I filed a claim, claiming I did not make the transaction, because I absolutely did not make this withdrawal. Chase decided to deny my claim and did not provide any information as to why my claim was denied.
Product: Checking or savings account

I opened an account with XXXX XXXX a product of First National Bank of Omaha, in XXXX XXXX  I few days later I tried to update the email address and telephone number for the account, but was informed that this could not be done because the account was too new. I was also informed that my account was now *restricted* due to suspected fraud and that the bank 's fraud department would reach out to me to resolve the problem and remove the restriction. 
I never heard back from the bank. I have contacted them again repeatedly to request that the restricted status be removed to allow me to access my funds and update my contact information. Unfortunately XXXXXXXX XXXX  does not allow customers to contact them by phone, but only via " chat '' within their smartphone app and via email. However, my " chat '' messages are not answered and the email address provided for customers to use to contact the bank is invalid : when I send messages I receive an error message. I need access to my funds, which have been frozen since XX/XX/, and my attempts to contact someone at the bank to fix the problem have been unsuccessful.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is NCB MANAGEMENT SERVICE XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCB MANAGEMENT SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCB MANAGEMENT SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCB MANAGEMENT SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCB MANAGEMENT SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.NCB MANAGEMENT SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022- Experian received notice of the multiple entries on the credit report by a company called XXXX that did not belong to me. Experian 's investigation was not thorough as there is now even more documentary evidence that this intrusion is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX  XXXX XXXX and they are reporting to EWS in accurate information account activity that is closed. which is still on the report and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.
Product: Mortgage

Bank of America Home Loans is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by fanning a Loan Modification, then denying to wit without proper notification. 

This type of behavior of deflecting the homeowners attempts to get a fair loss mitigation resolution and is therefore an unfair business practice. 

Bank of America Home Loans is engaging in deceptive and misleading practices in regards to this loan Modification by arbitrary and redundant conditions. 

XXXX XXXX first mortgage at since XX/XX/XXXX at Bank of America Loan number XXXX is a federally insured XXXX XXXX with a principal balance of XXXX XXXX with rate of 6.25 % monthly payment of {$1100.00} and a second mortgage loan number XXXX XXXX XXXX with a principal balance of {$36000.00} at interest only rate of 6 % and a monthly payment of {$180.00} with a balloon payment of {$36000.00} due XX/XX/XXXX. 

XXXX XXXX fearing the looming balloon payment of {$36000.00} which she does not have contacted Bank of America to request help and inquire as to her options. To which there only offer was to apply for a loan modification which she did in XX/XX/XXXX. 
XXXX XXXX received a letter dated XX/XX/XXXX stating that we regret to inform you that based on careful review of the information you provide, you dont meet the eligibility requirements to qualify for a loan modification. However, youre qualified to pursue a short sale. Weve included more information about your shot sale option and reason ( s ) why your loan isnt eligible for a modification in the enclosed Results of Your Evaluation section. Exhibit A. YET THE IS NO SPECIFIC REASON GIVEN. 
A short sale is a sale of real estate in which the net proceeds from selling the property will fall short of the debts secured by liens against the property. 

Exhibit-B is Bank of America AVM dated XX/XX/XXXX7 for loan Number : XXXX with the estimate value if {$290000.00}. 
Exhibit C Mortgage statement dated XX/XX/XXXX the 1st mortgage prinpincal balance is {$180000.00} minus the value of {$290000.00} equals 62.85 % LTV or equity of {$100000.00}!

Exhibit D- Mortgage statement dated XX/XX/XXXX the 2nd mortgage prinpincal balance is {$36000.00} equals a total balance due of {$220000.00} equals 75.30 % CLTV or equity {$72000.00}.
Product: Debt collection

I am receiving nonstop telephone calls at work and before XXXX XXXX  all the way throughout the day and even after XXXX XXXX. Ive requested numerous times to send me information in the mail regarding what they are asking and I have never received anything. This is creating undue stress and hardship to me and I want it stopped and I would like to take action against them to receive damages. Can you help me with this?
Product: Mortgage

New American Funding Mortgage company will not adhere to original fees quoted. We were scheduled to close XXXX XX/XX/23 because the seller had to complete some work because of the inspection we had to delay and now the mortgage lender wants me to pay more in points then they had previously disclosed. Please save yourselves a headache and use a different lender they are no good. Hard to deal with. Say they are their to protect you but really they just want more of your hard earned money.
Product: Mortgage

Closed on conventional mortgage refinance XX/XX/XXXX with XXXX XXXX XXXX ( " XXXX '' ). 
Made 1st payment of {$1700.00} on time to XXXX on XX/XX/XXXX ( Loan # XXXX ). 
Received notice letter dated XX/XX/XXXX that loan servicing was sold to PHH Mortgage services ( " PHH '' ), which is currently under consent order with State of Georgia for failure to comply with servicing standards. 
Have received no written communication, mortgage statement, or other similar billing statement from XXXX/PHH Mortgage to determine new account number and how to make monthly payment, or to determine current mortgage balance, escrow account balance, or payment breakdown information. 
Made attempts to gather new account information with PHH Mortgage with no success. 
By consent order, PHH Mortgage must adhere to significant rules ( servicing standards ) governing its mortgage servicing and related activities as part of a Consent Order entered XX/XX/XXXX, which PHH Mortgage has failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to create an account with TransUnion but they say they weren't able to confirm my identity and provide no options to rectify the situation. The only customer service channels offered are XXXX XXXX and XXXX and I don't use either. I'm trying to place a credit freeze because my SSN was leaked. They are required to provide this service and I shouldn't have to create accounts with third parties to have it done. I have frozen with the other agencies with no issues.