23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am truly in need of your help. XXXX XXXX XXXX is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and XXXX XXXX has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.
Product: Credit card

My past complaint XXXX indicated that Macys closed this account., My credit score went down XXXXXXXX XXXX indicating because of non payment on this account. On XX/XX/year>, I filed a fraud complaint with XXXX Police Dept. I never received their credit card. However on XX/XX/year>, a card or number was used for purchase of XXXX in XXXX XXXX Is my only option is to take a lie detector test to prove I did not do this. Will I need a lawyer? My credit has never been compromised.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX XXXXXXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Product: Debt collection

My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$960.00}. I have no knowledge of this debt.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention some discrepancies I have discovered on my credit report regarding late payments. Upon reviewing my credit report, I noticed that there are late payments listed for certain accounts. However, I want to clarify that these late payments are not accurate representations of my financial history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. Harley-Davidson XXXX XXXX, and XXXX XXXX XXXX fall within the definition of a financial institution under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. Harley-Davidson , XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to Harley-Davidson XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX is hereby revoked XXXX Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, Harley-Davidson XXXX XXXX, and XXXX XXXX XXXX failed to apprise me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The accounts in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of Harley-Davidson XXXX XXXX, and XXXX XXXX XXXXXXXX 's XXXX XXXX XXXX
Product: Debt collection

" I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX concerning Columbia Debt Recovery, file number XXXX. The complaint pertains to a debt that Columbia Debt Recovery LLC, doing business as Genesis and located in XXXXXXXX XXXX, was attempting to collect, despite it being a debt I do not owe. I provided documentation in the complaint to substantiate that the debt had been paid. 
In response to the complaint, Columbia Debt Recovery stated, 'We are verifying this information with our client. ' After waiting for 30 days without receiving written confirmation from Columbia Debt Recovery LLC, I sent a letter to XXXX XXXX, the president of Columbia Debt Recovery LLC, dba Genesis, located in XXXXXXXX XXXX, requesting validation of the debt. The proof of delivery for this letter is attached to this complaint. 
As of today, I have not received any communication from Columbia Debt Recovery XXXX, XXXX Genesis, located in XXXXXXXX XXXX regarding the status of this debt. ''
Product: Checking or savings account

My current ChexSystems status is negative because a fraudster had access to my XXXX XXXX XXXXXXXX account when I lost my wallet and all of my personal sensitive information was in my wallet.This gave the fraudster a lot of access and opportunities to make a lot a fraudulent charges with my personal information which they did.Now I'm unable to open any bank accounts because I have this company my police report previously in the past and they took this negative information off now Im assuming they placed back on and I can't open any accounts.
Product: Checking or savings account

On XX/XX/2023 I was contacted via phone for a low interest loan that I applied for. I had been applying for several different online loans for bad credit, this company offered a low interest, low payment loan. I contacted them and the demands began. They deposited money into my Chase bank account to bring my credit score up and to verify it was a legitimate account. I bought one gift card, sent the picture to them, and was to get the funding for the loan. This escalated with monies in, monies out, for two days, and finally came to my senses. I had just sent the last monies to them, ( via XXXX ), on XX/XX/2023, and told them I was done. This whole process was beyond weird, even though, it was still not my money. 
I went to Chase, told them the story, and the fraudsters had dumped checks in my account, paid to me, {$170.00} each, grand total {$2000.00} (? ) or so, all the monies tracked. 
I closed the account. Alerted Chase to the fraud, at least, I presumed, that was part of the conversation I was having. 
On XX/XX/2023 my social security payment was due to be electronically deposited to my Chase account. A new Chase account was opened just for this payment, or so I thought. What actually happened, the bank backed out the fraudulent checks, overdrafting my new checking account, and using up all of my social security for the month! 
I have contacted Chase in person, via phone, via their fraud department, via claims department, any department that might help me. Chases response was I was assisting in the fraud. I wasnt assisting when they took the checks out repeatedly for {$170.00}! 
Therefore, my loss. This was all done via EFT. 
If I had been truly thinking, I would have totally closed the Chase account and my Social Security check would still be available, late, but available. 
The customer service at social security even checked to see if they could take back the check and issue me another one. They were a truly bright spot today. 
All I am requesting at this point (, I am going to cease doing business with Chase, of course, ) is my social security payment of {$1700.00}. 
Yes, I am an idiot. And it was too good a deal, and at my age I should know better. 
Any help, suggestions would be greatly appreciated. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

Check deposited and withheld I have XXXX kid on XXXX  so all funds are accounted. Now i have to wait to access funds bc of an overdraft I allowed Netspend to get months again. I use this card as my payroll after speaking with someone for over an hour not one person directed me to where I needed to make the payment so that funds could be used. Selfish company
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER ( XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION FROM CREDIT PROFILE PLEASE HELP ASAP ]
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am writing to file a formal complaint against PHH Mortgage regarding the denial of my loan modification application submitted on XX/XX/year>. My previous application, submitted on XX/XX/year>, was denied due to purportedly inaccurate XXXX XXXX XXXX ( XXXX ) calculations. Additionally, I was denied a streamlined loan modification because of the XXXX value and the Helping Homeowners Modification because my account was over 90 days past due.

I provided documentation requesting that PHH Mortgage further investigate and be transparent about the values used in their calculations. My home was damaged due to flooding, and the comparables used to determine its value were inaccurate and included different styles of homes. In a letter dated XX/XX/year>, I was informed that I could reapply for mortgage assistance with updated documents. I followed these instructions and reapplied on XX/XX/year>, when my account was less than 90 days delinquent. 
Despite this, I received a letter dated XX/XX/year>, stating that my application was reviewed but denied due to prior application reviews completed during the same delinquency cycle. I believe this reasoning is incorrect and is a tactic to prevent consideration of my account for a streamlined loan modification that could reduce the principal balance. Their findings claim I have a credit score of XXXX, which is incorrect. It's XXXX. Also, stated my home is worth {$240000.00}, which is incorrect from what you will see on the attached photos. Please take note of the home in the picture noting my address. There are three townhomes attached with mine in the middle. My home is damaged. How does the homes used in the comparable for the valuations compare at all to my home? 
I filed for XXXX  XXXX bankruptcy in XX/XX/year>, and the past due amount is included in the payment plan. This information appears to be disregarded in the denial decision. I believe the statements provided by PHH Mortgage are false and obstructive. I complied with the instructions provided in the letter dated XX/XX/year>, and submitted my application when the account was less than 90 days delinquent.

I request that the CFPB investigate this matter and ensure that PHH Mortgage provides a transparent and accurate review of my application. It is crucial that mortgage servicers adhere to fair practices and provide homeowners with a genuine opportunity to obtain assistance. 
Thank you for your attention to this matter. Please contact me if you require any further information or documentation.
Product: Mortgage

The mortgage was under my fathers name and he passed away without a will. Due to a contested probate case the house was forced into foreclosure by the bank when they were notified of my fathers death and started returning my payments. On XX/XX/year> the order was entered in the probate case confirming my 75 % ownership interest in the house. I immediately submitted the successor in interest paperwork to shellpoint mortgage who repeatedly never received it until finally I received the approval letter on XX/XX/XXXX. I have now submitted the application to find out what my loss mitigation options are and was told it could take 30 days to hear back. In the meantime, XXXXXXXX XXXX XXXX is forcing us to proceed to trial XX/XX/XXXX and will not stop incurring additional fees and costs in the foreclosure as they are court ordered to proceed to trial. After being forced into foreclosure by the prior servicer XXXX XXXX and my sister I have done everything I can do to try to save my house but am being forced to proceed with the foreclosure case and am not being allowed time to be considered for loss mitigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent accounts XXXX XXXX XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) ; Not specified ( Equifax ) ; Not specified ( XXXX ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While XXXX denotes the account 's closure as transpiring on XX/XX/XXXX, Equifax and XXXX fail to specify a definitive closure date. 
* Varied Payment History Reporting : * XXXX : No instances of late payments are documented. 
* Equifax : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX  days late, and XXXX payments XXXX  days late. 
* XXXX : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : XXXX reports a highest balance of {$1200.00}, while XXXX and Equifax do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost five months now and I haven't received any results or response from Equifax, XXXX or XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and Equifax. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with XXXX, XXXX and Equifax. Please help.
Product: Mortgage

specialized loan servicing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, co.XXXX started foreclosure for 4 mo. late payment they charged me foreclosure fees of {$760.00} I have my bank documents showing the payments cleared my acct well before expiration of grace date SLS disagrees and refuses to cancel charges
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, that which violates the Consumer Financial Protection Act. ( CFPA ), Specifically, Cash App failed to take timely and effective measures to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I usually would have my cards secure but have been homeless for two yrs with no address for a new card the last time i had a child support card would be 2011 so am wondering why i havent been able to get a new one. Also where do i find the balance of the amount on my old cars
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me and I did not authorize them. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXX/XX/XXXX- XXXX, XXXX XXXX - XXXXXX/XX/XXXXXXXX - XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account MONEYLION INC, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions. 15 USC 1666B : A credtior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.