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

If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

I sent out validation letters to the 3 credit bureaus ( Experian, XXXX, XXXX ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate Experian reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'Date Reported " is inaccurate Experian reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but XXXX & Experian have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account XXXX XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus Experian reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account : XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus Experian reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus Experian reports : {$0.00} XXXX reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from 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  # XXXX, XXXX XXXX # XXXX &  XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

TransUnion report number XXXX. I have requested that XXXX XXXX remove all non public personal information from my credit report per 16 CFR 313.7 and 15 usc 6802b
Product: Checking or savings account

XX/XX/18 To whom it may concern ; In XX/XX/2018, my cell phone was stolen. My phone had my bank card attached to my XXXX account. Whoever stole my phone, Im assuming it was a kid, downloaded a bunch of games onto the phone and began making purchases on these games through XXXX XXXX. XX/XX/2018, I was diagnosed with a XXXX  XXXX in the right side of my head and ordered by my doctor to take it easy. At this point, my husband began controlling the finances until after my XXXX on XX/XX/2018. He doesnt have access to my online banking information to check transactions on my account. 
On XX/XX/2018, I had logged into my banking mobile app ( Bank of America ) and found all the fraudulent charges and called to dispute them. Now, my bank is telling me that they lost the dispute to XXXX because XXXX say the transactions are accurate when they arent. What I dont understand, is they approved one set of fraudulent charges but on the large amount one, they denied it. I am disputing these charges because it was not me who made these transactions and just because I was sick with a XXXX in my XXXX, not checking my bank account on a regular basis, I should not be held accountable for these transactions. 
I am attaching 3 separate dispute claims with this, 2 of which they approved and 1 that they didnt, when they were all for fraudulent transactions resulting from the loss of my phone. I am also attaching the documentation from where I had to get my new phone a couple weeks after it was stolen. It took me almost a month to be able to get another phone because of this money being gone. 
My bank says that XXXX declined giving this money back because it took me too long to notice the transactions being made on my account and that if I wouldve caught it sooner, they couldve stopped. I was sick at the time with a XXXX in my XXXX. As soon as I found out about the transactions is when I called my bank to dispute them. I was not checking my bank account app like I normally do. This is fraud and I need help getting my money back. I can also provide all medical documentation necessary for during this time period as well to prove I am not lying. Please get back to me and let me know if any additional information is needed from my end and I will get it to you asap.
Product: Debt collection

I received a letter from XXXX XXXX saying they were the debt collector for PayPal for the amount of {$51.00}. I called back and spoke with XXXX on XX/XX/22 and told him I have never had a PayPal account and am disputing it. He said he would mail out a form allowing me to to do, and that form pointed me here. I have a XXXX XXXX credit score of XXXX and an XXXX score of XXXX. I obviously have not achieved that by not paying my bills, and even though XXXX XXXX told me to pay it since its only {$51.00}, its not my charge so I wont pay it. XXXX provided me no info as to who the alleged vendor was, and they encouraged me to file a police report, but none of our other personal credit, banking, or investment accounts have had any unusual activity, so I am not filing that report. The XXXX should be on the alleged vendor to prove it was me- I should not have to reset my whole life to prove myself.
Product: Debt collection

Good morning, I filed a complaint withe the CFPB about this company and their response was " Monterey Financial is in receipt of the complaint from XXXX XXXX in regards to the XXXX XXXX XXXX account. The purchase was made electronically, where XXXX XXXX was to provide an unexpired form of identification in order to proceed with the sale. Once provided, the XXXX XXXX XXXX was electronically signed and agreed to upon reviewing the terms, conditions for the purchase with XXXX XXXX XXXX, and subsequently placed with XXXX XXXX. Upon being alerted of the potential fraudulent nature of the account, XXXX XXXX conducted diligent investigation in collaboration with XXXX XXXX XXXX Despite prior communication with XXXX XXXX, the promised supporting documentation for the investigation was not received. Regrettably, XXXX XXXX has requested to cease further communication, hindering our ability to gather necessary information for investigation. Currently, the account remains active, and we urge XXXX XXXX to reach out to our office for assistance in resolving any outstanding concerns. Our agents are readily available at toll-free ( XXXX ) XXXX. '' I would like it noted that this company has NOT investigated this matter to the best of their ability. They proclaim that the person used an unexpired form of Identification in order to proceed with the sale. Therefore, they must have a copy of said identification. There's no way they actually investigated or even have the Identification because if they did, they would know that I am a MALE ( born a MALE ) and they keep referring to me as a XXXX XXXX XXXX thinks I'm a woman. Although this is comical, it doesn't hinder from the fact that this account is NOT mine, it is a DIRECT result of Identity Theft. I want them to stop reporting their collection account to my credit report and close this account. None of the information they have listed match mine. 

Please have them fix this as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX  XXXX  XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Bank account or service

I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met they requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are way past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.
Product: Mortgage

I have been trying to get SPS SERVICING INC to lower the mortgage payment on my home and they refuse to grant me a modification, I send the all the information that is required for the modifiction.? I ask them why they told me the first time I submitted all the information that my I come was to high for the modifiction? Then I was told by thier office just use my icome and my daughter income? Then they said me and her still did not qualify for the modifiction because our income was to low? I also ask them, why and what about the harp program they said we did not qualify for that? i is that not the program that is to help people like me and my daughter to save our home? I was told that was unfair tactics that was using not to help me save my home? I do n't know a lot about the housing market and how it is supposed to work please help me. Just wanted them to lower my payment, my husband is decease and yes he was a veteran. Please help me and my family to keep our home.
Product: Mortgage

From  XXXX   XXXX  to  XXXX   XXXX , I have tried to reach asset manager at  Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of  XXXX   XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package  Bayview Loan Servicing w as suppose to be sending since  XXXX   XXXX . I had obtained Homeowners insurance from  XXXX  and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager  XXXX   XXXX  and  XXXX   XXXX . It is important to note the homeowners insurance we signed up for at  XXXX   XXXX  is {$2500.00} lower than the forced placed insurance  Bayview Loan Servicing place d on our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XX/XX/XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. 

While investigating my credit report, I noticed there was a charge for {$320.00} with Midland Funding.Neither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that Midland Funding is a 3rd party collection agency. They informed me of thisXX/XX/XXXX. 

Upon informing of this I placed a call to Midland to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of XXXX. Which is odd, because while I did have a XXXX card, I paid it off over over 4 + years old. In fact, they actually deactivated my card because of inactivity. 

After contacting themXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, I spoke with 5 different representatives for Midland Funding LLC. I specifically asked them, what were the charges for. I asked what is the invoice owed, what are the specifics to this debt. Not one person could give me an answer as to specifics of this debt. They only would say you had a XXXX card from XX/XX/XXXX- XXXX. Nothing more. Which is why I am disputing it. I do n't believe I owe this at all, and they have n't provided anything showing I do.
Product: Credit card

XX/XX/XXXX made a purchase of XXXX $ and never received the good or services for this transaction. I bought an XXXX and the business is still under the merchants name. There was no final agreement signed as stated on Letter of intent. Also didnt receive and merchandise as agreed upon. Disputed with AMEX for this fraudulent transaction no one is reaching out to help me. I have not received anything for my transaction from merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I received an email that identify theft protections were cancelled on my Discover account. I inquired on my account through the Discover app as to why and it said my account was closed. I contacted Discover who indicated they sent a letter in XX/XX/XXXX. I never received that letter or an email indicating the account was to be closed for inactivity in XX/XX/XXXX. I contacted consumer service who stated I had to reapply for the card. I indicated this card with closed without my knowledge. They stated their systems do not allow them to reopen the account. They transferred me to an escalated contact who delivered the same information and told me I had to contact a voice agent. I contacted the voice agent who again stated they did not have the ability to reopen the closed account and that they did not need my permission to close the account. They stated they would resend the notice letter. I stated that had I been aware of the need for activity on the account I would have performed as this account had been opened for over a decade. The arbitrary closure of the account has an adverse impact on my credit. They stated that their systems do not have the ability to reopen the account. If they do not have this capability then do not have the ability to appropriate correct errors that they have caused which is a fundamental flaw in their servicing system to the detriment of the consumer. I request my account be reopened.
Product: Mortgage

We placed our mortgage with Fifth Third Bank on forbearance XX/XX/XXXX through XX/XX/XXXX, we started to pay our mortgage again in XXXX of XXXX with additional funds to make up for the months that we missed. In XXXX of XXXX we completely caught up the amount that we owed. We in XXXX of XXXX received a collection call from Fifth Third Bank and they stated that we were past due, at that point all monies were paid in full. In the end of XX/XX/XXXX Fifth Third Bank reported us 120+ days past due reporting us late on payments from XX/XX/XXXX through XX/XX/XXXX and that dropped my credit score over 100 points. I found out about the credit reporting while trying to secure an auto loan. 
We pay everything online with Fifth Third Bank, we received no information from Fifth Third Bank on our forbearance period timeline online or by mail. They will confirm this, one of the many Fifth Third Bank representatives that we have talked to about this issue told us that the information about our forbearance would be on page 3 of our online statement. While on the phone with her she walked us through how to find the information and confirmed that it was not on any of our statements. 
The reason we received no written information about our forbearance is because they had the incorrect contact address. They ( Fifth Third Bank ) say that when my wife changed the contact information on this loan that we share that they only changed her information and not mine and that they only send information and only contact the primary co-loan holder and not the other co-loan holder. They never sent the forbearance information to the address of the property on the loan either. We have asked for a copy of this letter and have been told twice that the letter would be sent to us, it has been 2 1XXXX months since we were first told that we would receive a copy of the letter and we have yet to. We were recently told by another Fifth Third Bank customer service person that we needed to make a decision on repayment options for this forbearance on XX/XX/XXXX, that this information was in the communication that we never received and they verified that we never received. We on our own repaid the entire forbearance on XX/XX/XXXX. All monies owed were paid 12 days after this repayment decision date that they say we had. 
We thought we were paying our forbearance early by starting the payments early, we paid off the entire amount with in 30 days of when it was due on our own with no guidance, they were paid in full 12 days after the forbearance repayment option date and yet to them we are 120+ days late because we apparently missed a date that they only knew of. We have no late payments on any of our credit until this reporting, we always pay on time and now we are considered seriously delinquent and reported as such. 
We have been told by the latest Fifth Third Bank representative that they will not remove the 120+ days late from our credit report, he will not let us talk with or be given his supervisors contact information and that we can no longer escalate this with Fifth Third Bank.
Product: Credit reporting or other personal consumer reports

Remove the following accounts for improper usw of my credit report.The payments history shows a continued reporting a charge off after these account was closed.This is detrimental for me and my family. 

XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, RTG XXXX.
Product: Mortgage

XX/XX/XXXX I found out that the second portion of my property tax had not been paid. My lender XXXX XXXX XXXX has been using a third-party called CoreLogic. This third-party is responsible for the payment of the property tax. Since XX/XX/XXXX I have notified XXXX XXXX that there was a problem. I was continually told that the property tax was paid just to find out through my refi lender and through the county that the money was not received. A couple months ago I called XXXX XXXX again XXXX have XXXX way conversation with County about the amount of property tax that was due. After a thorough conversation of the amount that was owed CoreLogic did not pay XXXX XXXX in XXXX which added on another late fee. XXXX XXXX told me that CoreLogic had said they contacted County and the property tax was paid an up-to-date. I was finally able to reach an agent with CoreLogic and let her know what was happening. She told me to send her the message from County that there was still money due. The whole while XXXX XXXX is telling me that CoreLogic is saying that they do n't know anything and that I needed to pay the remainder amount of {$250.00} because it was not part of the property tax. Between XXXX XXXX and CoreLogic it has been over 6 months that I have not been able to refi my home and my phone has been up for grabs for the bank to put a lien on it. CoreLogic has been irresponsible in its dealings and has not make sure that the money being sent to county is the proper amount. They have kept me going around and around in a circle calling and having be on the phone for many hours trying to figure out what the problem is. I have a recording of my conversation with a XXXX XXXX agent who said that CoreLogic was saying the property tax was paid in full. I was told that I would have to send them a bill showing that the {$250.00} was from property tax which they knew it was from. I am demanding financial compensation from CoreLogic for the ridiculous hassle and worry they have caused me for over 6 months going back and forth trying to get this situation resolved and the whole time I could n't refinance which cost me money. They are a huge part of the problem along with XXXX XXXX who I am also seeking compensation from. If this is not settled I will be taking CoreLogic to small claims court and bringing along my recordings. I am asking for a {$2000.00} settlement.