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

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX todays date XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /BALANCE/ACCOUNT STATUS AND PAYMENT HISTORY IS REPORTING TO EACH CREDIT BUREAU DIFFERENTLY AND INACCURATE.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IAM A FEDERALLY ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT SHALL BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT I attached a copy of my IDENTITY THEFT REPORT P.s This is holding me back from getting a XXXX XXXX, funding and a NEW XXXX XXXX XXXX XXXX pls remove Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

I got a call from XXXX XXXX ( spelling? ) with Allied Interstate LLC. He called my work line. I have repeatedly explained to debt collectors that I am not the person they are looking for and they are not to contact me again. I also inform them that they are calling me at work. XXXX left a message and I called him back to again explain that they are harassing the wrong person. I got his voicemail and it contained a phone number to call the main office. I called that number and talked to another gentle man who told me that no one from his office called me at my work number. I assured him that I received the message and he could listen to it if he wanted. He asked for the number that was called and I gave it to him. He told me that that number had already been identified as incorrect and no one from his office would have called it. He did say that he would remove me from their call list. A few minutes later XXXX called me again and I told him the same thing. I was very clear that I am not the person they are looking for and they are NOT to contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023 and it was delivered XX/XX/2023. Here is my tracking # XXXX. The letter was in regards to removing personal information that I don't not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802 under GLBA with respect to disclosing personal information. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB and credit bureaus, I am writing to formally dispute inaccurate information reported on my credit report. Below are the specific inaccuracies and their corresponding violations : Accounts : 1. XXXX XXXX XXXX  XXXX ( Account # XXXX ) o Charge-off reporting with a balance. This is a violation.

o Late payment records are inconsistent. Violation : FCRA 15 U.S.C. 1681e ( b ) - Credit bureaus must ensure maximum possible accuracy of reported data.

o DELETE THIS FROM MY CREDIT REPORT.

2. XXXX XXXX ( Account # XXXX ) o Reported 30 days late inaccurately. 
o Inconsistent balance reporting. Violation : FCRA 15 U.S.C. 1681e ( b ) - Credit bureaus must ensure maximum possible accuracy of reported data.

o DELETE THIS FROM MY CREDIT REPORT.

I request the immediate removal or correction of these inaccurate accounts from my credit report. Please provide an updated copy of my report reflecting these changes
Product: Credit reporting or other personal consumer reports

After reviewing my credit report from TransUnion, I discovered inaccurate information in my credit file, which deeply concerns me as it violates the Fair Credit Reporting Act. The incorrect information includes my address, and employer. The address listed as " XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX '' is incomplete and should be updated to reflect my full and correct address : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' There are also other addresses that are not mine, including " XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. '' Please remove these two addresses. Additionally, my current employer, " XXXX XXXX XXXX, '' is not reflected on the report. These mistakes are not only frustrating, but they also raise concerns about identity theft. These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. The Gramm-Leach-Bliley Act ( GLBA ) also requires that personal data be protected and kept confidential. Failure to comply can result in penalties of up to {$1000.00} per violation under 15 U.S. Code 1681n. I request that TransUnion promptly correct these errors and ensure that my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a nearly {$300.00} from a fraudulent XXXX delivery order I did not place on my Discover card. I received the items. I can't use the items. Most are for medical use, such as XXXX XXXX XXXX  and are not returnable. I was initially credited, but the decision was reversed in the merchant 's ( XXXX ) favor because they proved I received the items, which I did, but again, I have no use for them whatsoever. In their report, it clearly shows that the order was placed from a Pennsylvania IP address. I am in Utah. XXXX should have much better security to prevent something like this from happening. The order was placed in the early morning so I had no chance of catching it in time. I am extremely disappointed this outcome and response by XXXX. I am disappointed in Discover as well. I am not sure how to proceed.
Product: Debt collection

This debt collection agency Alliant Capital Management based out of New York has been calling me incessantly. It shows up as a pretty local New Jersey number, but when I call back it just goes to voicemail. The worst part is that they dont just call me, they also call my XXXX  which is extremely rude and annoying and unprofessional. I looked them up on XXXX and saw the reviews were riddled with nothing but 1 star reviews stating how unprofessional they are, how rude and their use of profanity and threats to everyone they call, and most importantly, they threaten or even do give out personal private information. Theyve called my XXXX  and XXXX  already and I do not need them asking or giving out any personal information. They call incessantly even between illegal calling hours. Extremely unprofessional business riddled with nothing but negative reviews should not be in practice. They did not even attempt to send anything via mail either, only calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its listed on my background check that I have a XXXX XXXX in 2006 This is incorrect I was XXXX XXXX XXXX and a XXXX and I have had a search performed showing I have no convictions as a minor or otherwise Please remove and update This is hindering me from obtaining employment
Product: Money transfer, virtual currency, or money service

I am filing a lawsuit against Cash App due to inadequate customer service and unfair practices which violate the Cosumer Financial Protection Act
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC {$980.00} XX/XX/year> I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES I DONT HAVE CAR NOR DID I OBTAINED A AUTO LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXX XXXX XXXX   XXXX XXXX NC XXXX phone # XXXX
Product: Payday loan, title loan, or personal loan

I have a charge for {$500.00} from Ad Astra ( a collection agency ). I have been a victim of identity theft. I never applied for this loan. I have made this clear to this company. But they demand payment. Ive even asked if I settled if theyd delete it from my credit report. Ive attempted to have this taken care of. Yet, this company refuses to work with me.
Product: Mortgage

The problem is with an incorrect IRS substitute form XXXX, the year-end statement for XXXX that I am required to have to deduct mortgage interest on my taxes. It only reflects interest paid XXXX through XXXX, which was after the merger of SunTrust and Truist. This form was generated on XX/XX/XXXX. 

My new mortgage loan was set up with SunTrust on XX/XX/XXXX and an initial payment was deposited on XX/XX/XXXX as part of the closing. Monthly payments to SunTrust began in XXXX. Payments were made automatically monthly for all the rest of the months of the year. SunTrust and Truist merged during this time. Now all communications and documents are through Truist. Truist does reflect all my payments of the year on the account activity page, but the substitute form XXXX only reflects XXXX through XXXX, which is after they merged their computer systems. I have called them several times, and the service agent requested a review, and they said they had not made an error. They refuse to allow me to speak to anyone else or to provide me with an email or other address. 

The total interest paid between XX/XX/XXXX and XX/XX/XXXX was {$11000.00} This number is taken from their own account activity page. The number on the form XXXX only reflects {$5400.00}, which was the amount from XX/XX/XXXX through XX/XX/XXXX. 

Please help! I need a corrected form to deduct the mortgage interest on my taxes. 


Below I have attached screenshots of the monthly payments from their webpage. I have no email or letters to attach because they will not provide any contact info.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX 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 BUSINESS CRED XX/XX/XXXX
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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.
Product: Mortgage

My financial hardship started inXX/XX/XXXX. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.
Product: Checking or savings account

This letter confirms the conversation I had at your XXXX XXXX with XXXX XXXX, Bank Representative on XX/XX/2020 about my request below. 
I am the owner of account # # # # # # #. The account is closed. 
I am disputing the following transaction ( s ) that were charged to my account. 
Date XX/XX/2020 XX/XX/2020 XX/XX/2020 Amount $ XXXX $ XXXX {$1200.00} Merchant Name Chase Bank Chase XXXX XXXX XXXX Ref. # Misc. Debit Debit DDA- Check  Charge Fee DEPOSIT ITEM RETURNED FEE Deposit ATM CHECK DEPOSIT XX/XX/XXXX71 T [ ] I did not make or authorize these transaction ( s ) that appear on my account. 
A check was deposited through the ATM to my account in the amount of {$1200.00} by mistake. Upon discovering the error, I contacted Chase Bank, # # # # # # # # # # # # #, # # # # # # # and XXXX XXXX in an effort to resolve the issue. 

With exception to Chase Bank the consensus XXXX XXXX on behalf of # # # # # # ReCall in the amount of {$1200.00}. 
Chase Bank determined that a Debit DDA Check Charge in the  amount of {$890.00}. Chase has also claimed a check was mailed to my address closing balance of {$890.00}. The account was then closed. I have enclosed the following documents Attached please find the letter I provided to Chase Bank on XX/XX/2020 1 ) The Print Image 2 ) The Invoice Stub 3 ) Unclaimed Property 4 ) Transaction Search 5 ) Chase Liquid Summary 6 ) Transaction History XX/XX/2020 and XX/XX/2020 7 ) Earning Statement. 
I anticipate your immediate attention to this matter and await your determination that and response to this matter and immediately must be returned to Original CO Name # # # # XXXX. 
lists the unauthorized transactions and the transaction in error. 
Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 
On XX/XX/2020 I requested a recall in the amount of {$1200.00} after discovering I deposited the wrong check in my account. 
Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 
XXXX XXXX, Account # XXXX -XXXX  XXXX, Account # XXXX -XXXX XXXX, Account XXXX XXXX XXXX, Account # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report that do not belong to me. I made a FTC report to the credit bureaus. I report the accounts to the bureaus to remove the accounts for my credit report. They didn't remove them. 

inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I had an appointment to do my annual Distribution as I discovered that the bank had not done the distribution for year end XXXX. Upon meeting with XXXX XXXX and requesting that I needed to get this done before Year-end. XXXX XXXX informed me that I had to do my own Distribution. After explaining more than three times, that this was not a procedure that I should do, it was the responsibility of the IRA holder ; I left the bank and went to the Library to find information on how to figure the Distribution. I did a walk-in the following days trying to get this done. I telephoned the Bank everyday before the end of the year to no avail. I was able to secure another appointment for XX/XX/XXXX. Branch Manager, XXXX XXXX had me see XXXX XXXX who made a mess of the entire situation. The things that happened was as if I was XXXX XXXX XXXX XXXX who didnt know anything about IRAs. I explained to XXXX XXXX that I wanted to do a separate distribution, and rollover the remaining balance into another bank. Due to the manner which I was treated. He took it upon himself to rollover the entire balance, thereby charging me too much tax. Upon discovering this gross error by XXXX XXXX, I returned to the bank demanding that they fix their errors. To my dismay, XXXX XXXX XXXX informed me that their bank Internal Auditor, whom she refused to let me know her name, had told XXXX XXXX that he didnt have to do the distribution for me. That was a lie and Gross Negligence on Bank of Americas part. XXXX XXXX telephoned XXXX XXXX XXXX to ascertain how the situation could be fixed. He suggested to back date the transaction to XX/XX/XXXX, I deposit the check into an IRA, I make my own tax payment to the IRS, and he would refund the {$XXXX.XXXX} incorrect tax amount into my B of A checking account by XX/XX/XXXX. To date at this writing at XXXX hasnt transpired. I made it plain to XXXX XXXX that Bank of America  should take full responsibility for this mess-up of a simple situation. I used the term simple, because it took me not more than 10 minutes to figure a distribution amount, and I had done this before. I lost 2 hours of work time. Bank of America should pay me for my time loss. 
Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home in XXXX due to my mother getting older she moved in to our home. In XXXX I wanted to refinance my home and it was then that XXXX of XXXX offer us a reverse mortgage for I was using my mothers income .. I had no idea of how the program really worked. I was concern that there was no payment and that we had not received any money in our hands. However, there is no mortgage payment and my mother passes on in XXXX. 
I sign all the paper work at the table closing with my attorney and the bank attorney. 
It is my understanding that I am on the note and the deed. I had hire an attorney to guide me to no success. I am told my house is in foreclosure and there is a sale day. Please help me find out what is going on with my house. My mortgage was served originally by XXXX XXXX When XXXX closed down Financial Freedom took over. I have XXXX children. I am a single parent trying t safe my home. My children are working now trying to help me to keep our home. My FH case # is XXXX My Lender account # is XXXX