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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

XXXX {$100.00} is on my credit tracker from XXXX XXXX
Product: Checking or savings account

I am trying to get my deceased mothers IRA moved to her estate account at Chase bank. I have been declared through the courts as the executor of the estate. I have provided the court papers along with every other piece of paperwork requested from Chase several times.since XX/XX/XXXX. I have been through 4 bankers with Chase trying to get this resolved. Each time I have been told it takes 7 weeks for the IRA group to complete the transfer. The first banker moved and no one checked his voicemails to let me know he had left. I was given another banker who I provided all the paperwork to and after not seeing the funds moved into the estate account after the 7 weeks I tried calling him and received no call back. I reached out to the online banker service that Chase has and they have been helpful but only in getting the bankers to call me back. When the 2nd banker called me back he tried to tell me he never met with me ( also my brother and husband were at the meeting ) even tho the online banker could see in the notes that he had met with me. The 3rd banker I met with sent in the paperwork without my fathers death certified ( which I did provide ) and I was not notified until after the 7 weeks and I called to find out what is going on. The 4th banker I dealt with did the paperwork incorrectly and I was not notified until I once again called after having to wait 7 weeks and not seeing the IRA moved to the estate. I am now on the 5th banker. This banker was smart enough to contact the IRA group ( which I have never been allowed to contact in the past ) and have them walk him through the forms line by line to get it correct. However, now I have been told by the IRA group that because the court order which states that I am the executor of the estate is more than a year old ( it was issued XX/XX/XXXX ) I have to go back to the courts and have the order reissued. Chase has had the court papers for months. The only reason that they are now a year old is because of all the errors Chase employees have made. In order to have these recertified in the courts I would have to get the probate lawyer again and this will cost the estate. This is only a chase policy and not a legal requirement. I will also now have to file estate taxes again next year because this IRA was not taken care of last year. This years estate tax preparation was {$310.00}. This will also cost the estate for the tax preparer next year only for the IRA. Also, the probate lawyer had me distribute the funds that were in the estate account from the sale of the house and assets which left the estate account at XXXX. Chase banker knew this and knew that the account was only being kept open waiting for the IRA to be transferred. However, because the account was at XXXX Chase has charged me {$25.00} a month. Lastly, because the IRA was not moved into the account in a timely manner I have had to take {$11000.00} out of my personal savings and place it into the estate account to pay for the estate federal taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$11.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The home was purchased in XX/XX/XXXX. The original mortgage was transferred to XXXX XXXX and ultimately to Wells Fargo. In XX/XX/XXXX, the owners received an unsolicited visitor who promised to reduce their interest rate from 7 % to 6 %, one free month mortgage payment and provide {$2000.00}. Mr. & Mrs. XXXX never received any further documents or funds. Also, it appears this was a second mortgage for over {$85000.00}, which has been consolidated with the original with a maturity date that has changed from XX/XX/XXXX to XX/XX/XXXX. In  addition, the monthly payment has increased. 

Wells Fargo was recently contacted and is in the process of researching originating documents. They told the homeowners a follow-up will be made by XX/XX/XXXX. 

It appears there was a discrepancy on the mortgage note filed with the County of XXXX. 

The homeowners are seniors and on a fixed income. The current monthly mortgage payment of {$1900.00} is causing a hardship that they will note be able to keep for very long. 

Additional assistance is needed.
Product: Mortgage

I am a XXXX Vet and in XXXX of XXXX, the VA truncated my benefit check. I could not keep up with my monthly obligations. After falling behind on my mortgage I was afforded a loan modification by the Money Source who held the mortgage. After filling out the XXXX loan application numerous times, I finally met there expectations and the paperwork was approved. 
My new mortgage went from XXXX to XXXX and my loan was split up into XXXX separate loans, XXXX for XXXX and the other was for XXXX due at the end of XXXX years. This was in XXXX or XXXX of XXXX. It is XX/XX/XXXX and I have been told that I have incurred an escrow deficit of XXXX and my mortgage payment has risen to {$1000.00}. until the deficit is caught up. 
Having called on this issue several times ( XXXX ) my experience has been once I got a rep to answer the call ; I was transferred several times to different departments and for now ; it was the bankruptcy department, because I am currently in litigation. After talking to XXXX of the agents on the subject ( Escrow Deficit ) I was placed on hold and them the line went dead and no one follow up with a call back, even though the rep required me to give them a call number in case we were disconnected. 
It is my thoughts that there is gross mismanagement and misconduct going on with this company and how they handle our escrow accounts. Between XX/XX/XXXX and XX/XX/XXXX, I have only missed XXXX or XXXX payments ; XX/XX/XXXX through XX/XX/XXXX. I pulled up my transaction history ( mortgage payments made ) and I made XXXX payments that {$240.00} ( {$3900.00} ) went to escrow from XX/XX/XXXX to XX/XX/XXXX. From XXXX to XXXX nothing was added to escrow even though I was making mortgage payments. XXXX to XXXX of XXXX, I made XXXX payments of {$720.00}, to qualify for the loan modification. 
From the period of XXXX through XXXX of XXXX The XXXX XXXX made transactions that are unclear. My previous mortgage was modified from XXXX to XXXX separate loans ; XXXX for {$87000.00} for a XXXX year period and {$35000.00} was due in XXXX lump sum at the end of that XXXX year period. 
After going through all that the Money Source required of me and missing only XXXX to XXXX payments and paying into the escrow account as I did ; I find it very hard to believe that in a two-year span having paid out only {$930.00} for the first years taxes and {$1500.00} for the second years ' taxes that I incurred an escrow deficit. Something is very wrong with this company. 

I find it very difficult to believe that after paying a little over XXXX years of mortgage payments and missing XXXX or XXXX and The Money Source only paying out {$930.00} for the first year and {$1500.00} for the second year ; that I am in a deficit of over {$2000.00} and they want to XXXX my payment up from {$700.00} to {$1000.00}. to cover this so-called deficit. The Money Source has gotten over {$7400.00} in escrow from me and has paid out about {$2500.00} for taxes.
Product: Checking or savings account

They hold my check every month for at least 5 days for the last 3 months. I know the money is in the account from the check in question. There is no reason to hold the amount. It is written from the same account and the same amount as it is child support. My ex husband can prove amount is in there. There is no reason to hold this amount. I've been depositing the same check for 3 years now It's ridiculous.
Product: Debt collection

I received a bill from XXXX XXXX XXXX dated XX/XX/XXXX of 2021 about a collection notice. I contacted them via by phone call to settle the debt. I requested that they send me a verification letter in the mail to verify that this account is in fact mine. They refused to send me any kind of documentation besides the bill. I also requested a debt settlement letter on XX/XX/XXXX of 2021 have received no response from them. I asked for verification and I have yet to receive said letter in the mail. The collection agency continues to charge interest fees and reports it to the Credit Bureau. I have tried contacting them to settle the debt but they refuse to take any kind of payment via mail or by phone call. When I do contact them by phone, they belittle and use obscene language.
Product: Credit card

I was denied a credit card by Chase Sapphire because I had opened XXXX credit cards in the last two years. I have never defaulted on a payment in the last 50 years, I own my own house and two cars, I have almost {$1.00} million in my brokerage account, I have no problems with my credit score, I have no debts whatsoever and I pay all outstanding bills in full before the due date. To me this is an arbitrary rule that should be subject to review when requested by the customer who has had an application denied. Despite my inquiry and request five times to Chase, they are unwilling to review the application based on the additional information that I have provided. To me this is discrimination against those of us who have maintained excellent credit over our lifetimes and wish to make only credit card purchases. We are falling into the same category as those people who simply live beyond their means by unwisely using their credit cards. I resent being so classified and not even being able to have anyone review my application. Gosh, even XXXX are vetted! I ca n't get anyone to listen to me.
Product: Checking or savings account

I was offered for several months to ENROLL in their Balance+ {$200.00} Overdraft Line of Credit. After much consideration and couple months later i agreed to accept this JUST IN CASE. I accepted XXXX offer and QUICKLY the Balance+ XXXX XXXX SHOWING I HAD {$200.00} LINE OF CREDIT AVAILABLE TO ME AT TOP OF MY 1st page screen on my Discover Bank ET AL Checking & Savings Accounts . I felt like all my hardwork paying on time my bills was paying off. Then when i received NOTIFICATION that i had been UNENROLLED from Balance + due to NOT RECEIVING MY MONTHLY AUTO DEPOSIT from the government- WHICH I RECEIVED MY MONTHLY DEPOSIT EARLY, which means deposit was made at end of prior month- i have always received my monthly government deposit!! Therefore the Discover Bank ET AL NOTIFICATION WAS NOT TRUTHFUL! When i sent a secure message to Discover Bank ET AL inquiring about same - their customer service representative who responded said we are aware tgat MANY CUSTOMERS HAVE RECEIVED SAME NOTICE AND OUT IT DEPARTMENT IS WORKI G TO CORRECT THIS FOR ALL WHO RECEIVE THEIR SSA PAYMENTS EARLY. Mine HAS BEVER EVER BEEN ADDED BACK TO MY ACCOUNTS, & DISCOVER BANK ET AL HAS NEVER ISSUED ME ANY MORE NOTIFICATIONS.
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. 
XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under 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; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit card

I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard does n't work properly, I have never filed bankruptcy or anybody contacted me I do n't have any paper work to proof that I am in process and I need a lawyer. Since they started to harass me I ca n't do anything even use my computer or buy a new XXXX to protect my privacy and financial stability of loosing all information any place I go for employment it said XXXX I will never find employment at will any other places. My administrator password from my computer is under CIA spy agency. 
I will stop all payments until I will see my statement that money that I pay are not lost. I do not know anything nothing is billed or mailed to me as confirmation of all payments. Please Advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXX XXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX has consistently failed to provide the necessary documentation proving they own the debt in question. Instead, they have only responded with billing statements, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), debt collectors are required to provide adequate validation of a debt when requested. This validation must include proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not establish that the debt collector has the right to collect on the debt.

In addition, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation of this debt, the continued reporting of this account on my credit report violates these federal laws. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and remove any and all references to XXXX XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Barclays said they were offering relief to people affected by Hurricane Harvey and were automatically applying a 60 day freeze on payments. I noticed that Barclays had not done this on my account because they had been calling to collect a payment during this time frame. I spoke to a supervisor and was told they 'd retroactively apply it to my account allowing me to essentially skip payments in XX/XX/XXXX and XX/XX/XXXX.  Yet they reported my account 30 days late, and keep harassing me to pay. I 'd like them to honor their agreement and I begin paying again here in XX/XX/XXXX.
Product: Checking or savings account

My card and pin was used at a location I was not at, in a large sum. Chase fraud refunded the transaction but now has reversed the refund stating " Since the pin was used it can not be proven to be a fraudulent transaction ''. I have proof I was at my work office at the time of the fraudulent transaction, and I reported the fraud as soon as I received a notification from Chase.
Product: Credit reporting or other personal consumer reports

My student loan was paid off in XXXX. All other credit bureaus, XXXX and XXXX, have updated the account balance to zero, except Experian. They show the full balance prior to paying off. $ XXXX. I have filed XXXX disputes with Experian and they have not changed anything. This is impacting financing my first home purchase.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

This is a medical collection that is being reported illegally this is violating my privacy and HIPAA law. 
Please remove from the credit report or you're opening yourself up to litigation .|
Product: Debt collection

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It was result of identity theft. 

Credit Mgmt LP - Opened XX/XX/XXXX, 2019- {$200.00} Original creditor : XXXX XXXX The last 2 address where I lived in the last two years not even was serviceable by XXXX XXXX. I called Credit Management LP, XXXX and XXXX mobile. All companies were not able to find anything under my name in the last 2  addresses where I lived. I have never delayed a single credit card and utility bill payment in my life. I was certainly a victim of identity theft. Please XXXX Credit Management LP and verify their reputation. They are known for scam people who have good credit scores. I feel myself with my hands tied. I have no information on this account.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Mortgage

I filed a prior complain to which the company did answer but didn't answer to the matter of the complaint. 
Shellpoint and I agree that the amount of {$1300.00} was taken out of my escrow account on XX/XX/XXXX. Shellpoint claims that " the last payment posted by XXXX XXXX XXXX on XX/XX/XXXX was the Shellpoint tax payment '' ... implying this " last payment '' was the {$1300.00} payment. This is incorrect. The tax collector did receive a payment on XX/XX/XXXX but the payment was only for {$680.00}. Shellpoint ONLY reflects one payment coming out of my escrow account on XX/XX/XXXX for {$1300.00}. These payments do not match on date or amount. If we assume the {$680.00} was taken from the {$1300.00} where did the difference of {$660.00} go? Shouldn't it go back to my escrow account? My escrow account doesn't reflect any deductions for {$680.00} or credits for {$660.00} ... only the {$1300.00} payment that still can not be verified as paid to the tax collector by Shellpoint. Issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit unauthorized hard inquiry SYNCB/AMAZON ( Bank XXXX XX/XX/20XXXX XXXX
Product: Mortgage

My mortgage servicer, Rushmore Loan Management Services, did not pay my property taxes. I sent them the bill multiple times, contacted them by phone and mail. They promised to investigate but the taxes are still overdue. There is more than enough money in the escrow to pay the taxes but they have not done anything. I do n't know how to handle this. 
The tax bill is already overdue with assessed penalties and could go to collection.