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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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, XXXX, and XXXX credit bureaus 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 5 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 my file at Experian, XXXX, and XXXX credit bureaus are 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 ( 5 ), 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. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

this account has no contract it was cancelled by original creditor. 6years later this collection agency bought this debt and is trying to collect. there was no agreement nor contract with is agency and since i didnt agree with this collection agency on any terms i no longer liable for this debt. also they are unable to provide adequete paper work to show this debt is mine
Product: Credit card or prepaid card

On XX/XX/20 I paid my monthly visa bill online {$300.00}. On XX/XX/20 Bank of America attempted to take {$300.00} from my checking account. My balance on this credit card was {$0.00}. Do to this unauthorized action my credit union charged me a fee of {$29.00}. On XX/XX/20 I contacted Bank of America to be compensated the {$29.00} the representative informed me I was enrolled in automatic payments and that is why they attempted to take {$300.00} even thought my balance was {$0.00}. On XX/XX/20 I again called Bank of America to have them pay the {$29.00} fee I have incurred on this date they told me that someone went online on XX/XX/20 and made an online payment of {$300.00} when the balance was {$0.00}. I have never enrolled in an automatic payment system and I never requested Bank of America to be paid twice in one billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT A LSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I made a complaint about inaccurate inquires on my credit report that needs to be removed and the company responded by saying the inquiries I reported does not appear on my credit report but it does as I pulled a recent updated report and the inquires I requested to be removed is still there. TransUnion is lying and still have these inquiries that are inaccurate on my report. 
Again the inquires that are not accurate are ; 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: Mortgage

I submitted my XXXX XXXX information to Rocket Mortgage in XX/XX/year> to be added to my escrow. It was terminated because Rocket Mortgage never paid it. I spent months thinking I had XXXX insurance to find out after a hurricane that I did not. Then I spent months trying to get XXXX  insurance added to my escrow. Rocket Mortgage would not add it because it said I already had a XXXX insurance policy. I did not, but Rocket Mortgage said I did. They took my money to pay for it. They were not paying for it. I finally got XXXX insurance added after 10 months of trying. Today I received a letter saying that Rocket Mortgage is going to charge me {$730.00} for not having XXXX insurance. They are the only reason I did not have XXXX insurance. This can not be legal, and needs to be fixed. 

This is a copy of the last email I have sent Rocket Mortgage
Product: Mortgage

I just had my mortgage transferred to Shellpoint. When I got my XXXX  escrow analysis, I noticed my proposed payment would go up because there would be a shortage. When I checked their projections, I noticed they had my taxes being paid twice a year at the full amount instead of once a year ( in XX/XX/XXXX and XX/XX/XXXX ). This wouldn't make sense since my prior servicer paid my taxes in XXXX, so they would just need to pay my taxes once. In fairness, I'm not seeing then paying my taxes XXXX  on my account. But then, why is it showing as being paid twice on my escrow analysis? 

I called on XX/XX/XXXX, the representative confirmed the issue and filed a compliant on my behalf and that they would do a re-analysis. Since the re-analysis was supposed to take about a month, I called again on XX/XX/XXXX. The representative filed another complaint and acknowledged that it should have been handled already. They claimed they would have a new analysis within XXXX hours. I called after XXXX hours and they don't know what's happening with the escrow analysis and the new due date was XX/XX/XXXX, although I put in this request in XXXX. I told them that I would file a CFPB complaint at this point. Such a simple mistake shouldn't take XXXX  months to fix.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts listed on my credit report. My personal information was compromised in a data breach, and the following accounts have been fraudulently associated with my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed immediately : Unauthorized Accounts 1. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00}
Product: Mortgage

This involves XXXX XXXX from XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The proposed agreement was to refinance my property and provide an additional line of credit in the amount of XXXX XXXX XXXX, then after i produced the plans for construction, along with the total cost of the entire project for the building with condos on top of an existing structure, then we would move to funding the cost of construction of the condos which at that point i would be paying interest only while under construction.Then XXXX XXXX explained to me that after construction the loan it would be made permanent, however XXXX would take their money off the sale of the unites first to be made whole. 
However everything which was said i was in total agreement with he stated he would get back with us within a weeks time, so within that nexts weeks period he stated its approved and he would have a term sheet, so when XXXX XXXX and XXXX XXXX came to my office he stated what i should sell the condo for and also stated to me that i will have my term sheet and he would start getting the appraisal put out for bid, and he would return on tuesday because monday the banks are closed due to presidents day but very importantly he stated we would have the term sheet on tuesday.however on friday when he seen i was XXXX XXXX after he came to my office, He goggled me and said he read some articles in the paper regarding an civil matter which was XXXX XXXX XXXX on me and said i needed to provide documents about that to get the deal done.So let 's keep in mind that we were just approved and closed on a XXXX loan inXX/XX/XXXX, However my wife owns this company and she is a double minority, This to me is totally XXXX discriminatory practices in addition to redlining to name a few. when is it the banks protocol to XXXX someone for the basics of a loan.In addition there are no XXXX XXXX in XXXX Pa, Doing construction, for that matter or even being a business owner. why because XXXX pennsylvania doesn't help promote or assist XXXX XXXX with becoming or even assisting with developments of business in this region of the state, Their belief is all an XXXX XXXX can to is work 9 to 5 not for ones self.In my humble opinion its banking practices like this which XXXX, institutes and Believes in and practices are XXXX and in these times should not be tolerated period.
Product: Credit card

Early in 2023 I applied for a credit card from XXXX, through Synchrony Bank and was approved with a credit limit of {$1500.00} and i did not get an actual card from them for XXXX months as they kept saying it was mailed but I never received it. I finally received the card XXXX weeks ago and used it a single time for a purchase of {$200.00} or 12 % of the available credit. 

Subsequently, I received the attached letter advising that my credit limit had been reduced to {$200.00} based on a review of my " credit worthiness ''. This decision negatively impacted my credit score because this reduction resulted in a negative impact on my credit as it now shows that I have used 95 % of the available credit on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicate account showing with different account numbers but its the same account. It should be only one account with one reporting.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments listed do not correspond to my usual payment history.
Product: Debt collection

I m a victim of identity theft and fraud, I tried for so many times to contact every companies and bureau of credit for report fraud and still those collections appear in my credit report. I do not know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$120.00} XXXX XXXX XXXX : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.
Product: Mortgage

Former Complaint XXXX - DITECH FINANCIAL LLC After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XXXX XXXX, XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. 

Notwithstanding for my surprise, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XXXX XXXX, XXXX to {$110000.00} on XXXX XXXX, XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. 

These are their last sentences from their letter on XXXX XXXX, XXXX, which I uploaded : Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Not sure this action was fulfilled??? 

Please allow additional time for corrections to reflect on the loan account. 
I did and I found the above surprise!!! 

Ditech sincerely apologizes for any inconvenience this has caused. 
Is not an inconvenienced because they passed the fees and escrow issues to my principal account. Apologies based on my expense???????? Seriously?????? 

Best regards
Product: Debt collection

I was contacted by Capital Asset Recovery dba Jacobson & Wright in XX/XX/XXXX regarding an alleged account that I owe to XXXX via phone for an amount of approximately XXXX XXXX. I asked Capital Asset Recovery dba Jacobson & Wright to provide validation of debt and they have not done do. They have continued to email me at work and also contact my family via their cell phones. I do not owe any debt to Capital Asset Recovery dba Jacobson & Wright and never had an account with XXXX in the amount of XXXX XXXX There is an account on my Credit Report from XXXX, from XXXX, that has been Charged Off in an amount of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been 6 months sending paid in full balance letters from XXXX XXXX XXXX XXXX, XXXX XXXX   / XXXX XXXX and XXXX XXXX XXXX in order for Experian and XXXX credit bureaus to remove and delete permanently these accounts from my credit report. XXXX deleted and removed these account since XX/XX/2019. It is impossible and completely unfair that experian and XX/XX/XXXX received the same letters and the same information and these accounts still showed on my credit report. I am going to attached the credit reports from XX/XX/XXXX on XXXX and the one on XX/XX/2019 in order to demonstrate how these accounts were deleted and removed permanently. I am still disputing and waiting for XX/XX/XXXX and experian to removed and deleted these accounts, these should had be done the same date that XX/XX/XXXX delete and removed them completely, I even have a membership with Experian and XX/XX/XXXX in order to be constantly disputing and sending the same documents via fax, mail, email, I have register on this 2 companies website Experian and XX/XX/XXXX and I even upload the same letter into their web site. How much money do I have to waste in order to get this issue resolved. I even register with XXXX XXXX credit repair services it has been unsuccessful
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Debt collection

On XXXX XXXX, 2020 I received a call from Asset Recovery Solutions ( ARS ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " XXXX '' XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 XX/XX/2021 a fraudulent credit card account was opened in my name using information that was stolen from me. The amount of credit was {$14000.00} and the balance remaining is {$13000.00}. I have sent them ( FNBO OMAHA ) FTC reports, 609 letters and other info required in order to prove my innocence. XXXX is still reporting it fraudulently on my credit report and FNBO keeps reporting to them as accurate. XXXX XXXX and XXXX has deleted/removed from my report over 2 months ago and the same information was sent to all 3 credit bureaus. They are in violation of US Codes and falsely reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile. 

The name of this company is incorrect as on my equifax report it's stating that the name of the company is " WESTERN HOLDINGS GROUP '' But the name of the company is XXXX XXXX. This is a clear violation of section 609 for providing inaccurate information on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Transunion refused to remove this alert stating only " special handling '' required, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.