23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

I was making payments to this company in relations to my student debt and I had found out that this company I had been paying has not been putting it into my loans. 
I got a call from XXXX, my primary student loan provider, and it came to my attention that there was no payments being made to my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide me with the information the company is using to verify the information that is being reported on my credit report is accurate. Experian has not responded to my request for information pertaining to the validity of the debt they are reporting to creditors on my behalf. Experian has placed a fraud alert on my report that I do not agree with or authorized. I have requested it removed in writing as well as per a telephone call yet the statement remains on my report despite my numerous efforts to have it removed. I have have sent numerous requests over the the past year for this company to provide only accurate information and I have been met with delay after delay and in many instances when I have sent request via mail I have received no response to my request or a response that has nothing to do with my specific request for specific information. Experian has indicated they have investigated the account and re-investigated it but has not provided me with any info on their investigation and has sent me a letter stating they will not re-investigate the information on my report,, but they have NOT sent me anything that supports their decision to have the account information on my report. I have sent the company a certified letter and a copy of the letter obtained directly from the bankruptcy court that indicates they have NOT provided them with the information they are reporting. EXPERIAN has failed to adhere to FCRA guidelines and provide me with the information requested in the time frame allotted per FCRA guidelines established via US government Some of the document numbers that I have sent in are # XXXX EXPERIAN IS ALSO REPORTING A FRAUD STATEMENT THAT i REQUESTED THEM NOT OT DUE THE FACT THAT IT CONTAINS PHONE NUMBERS THAT THE INDIVIDUALS THAT HAVE ACCESS TO MY IDENTITY ARE AWARE OF ... I DO NOT WANT THESE PHONE NUMBERS LISTED ON MY REPORT OR AS PART OF MY CREDIT STATEMENT. THIS IS NOT A STATEMENT FORM ME AND IT IS NOT ACCURATE AND I WANT THIS COMPANY TO CEASE AND DESIST USING THE STATEMENT AND STOP GIVING THE INFORMATION TO OTHER AGENCIES AS WELL.
Product: Payday loan, title loan, or personal loan

TD bank takes exceptionaly long reporting income to XXXX XXXX. I am using this to supplement income between pay dates and can not because TD wo n't give them the information they need. Please fix this ...
Product: Mortgage

On XX/XX/XXXX XXXX filed a fraudulent foreclosure case against me which was based on forged documents and false statements where XXXX XXXX lawyers told the judge that XXXX ( who was not a mortgagee for my loan ) transferred its non-existing rights to XXXX as a Trustee ( this is not true, proven by Securities and Exchange Committee ) for legally non-existing XXXX. All documents were prepared by impersonators who worked as low-paid loan officers for XXXX ; and signed by well-known robo-signer XXXX XXXX XXXX. XXXX, whose lawyers gave very substantial amounts of money to at least two judges who handled my case, were able to obtain a void Order procured by fraud upon the Court and sold my property to a third party buyyer who paid cash on XX/XX/XXXX. 
On XX/XX/XXXX, or almost two months after my property was sold, XXXX sent me a letter information that they transferred my mortage with long-time bankrupt XXXX to a new Servicer, Specialized Loan Servicing , LLC. ( SLS ) On or about XX/XX/XXXX, or as soon as I received this letter, I called SLS and spoke with two officers, including an excutive manager who identified himself as XXXX. 
I explained XXXX that my property was sold in XX/XX/XXXX and transfer of my loan by XXXX to SLS is pure fraud, and continuance of their foreclosure extortion practices against me. XXXX said that they do not have any information regarding this transfer from XXXX and assured that they will inform me ones XXXX provide it to them On XX/XX/XXXX SLS spent me a letter where they demanded me to forward my mortgage payments to SLS beginning XX/XX/XXXX. I sent them my for validation of debt request right away ; and submitted a Complaint with CFPB. 
As of today, XX/XX/XXXX SLS failed to provide me ANY documents in support of their demand to pay them my mortgage after the property was sold in XX/XX/XXXX ; and repeatedly respond with runarouds that they are researching my inquiry. 
Worth to mention, during 5 years I received a binder-worth of similar letters from XX/XX/XXXX, 41 letter just between XX/XX/XXXX-XX/XX/XXXX, without any single document in suppot. The only brand-new looking document presented in my case was criminally concealed from the Court records by the judge, who refused to provide me a copy of this document for my records. 
I have reasonable suspicion that SLS entered into a conspiracy agreement with XXXX XXXX bank to defraud me and collect unlawful debt to which they have absolutely zero evidence in support.
Product: Mortgage

I lost my home, my entire house has burned to the ground due to the XXXX fires. My insurance company XXXX has done a wonderful job and submitting funds for me to rebuild my home. However, PHH mortgage company wants me to sign over {$550000.00} For them to disperse at their leisure and also placing that large amount of money in a escrow account for them to gain interest that doesnt come to me.

I dont trust my mortgage company. Weve had issues in the past and Ive had to hold them accountable on several occasions. I find it horrible and deplorable that they are double dipping and taking advantage of people like myself who are suffering, living in hotels, unable to start my project to rebuild my home because of the way they handle business.

I will not sign this check and send it to them. That is too much power and autonomy to give to untrustworthy entity, such as a mortgage company.

I am not beyond submitting my contractor and the modular home I plan to bill. I have it all lined up to begin the process. I feel that my mortgage company should be privy to information, of course, such as the contractors information if theyre licensed and bondable, I would like to protect my money as well.

I didnt ask for these fires. I want to get my life back and the mortgage company is delaying it because they want to get rich off peoples sorrow and misfortune. I will buy an RV instead of my property before I give them this check.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I sent Experian and the other two bureaus my police report. XXXX and XXXX blocked the fraudulent accounts listed in the police report within 4 days pursuant to the Fair Credit Reporting Act. Experian continues to report fraudulent information on my credit to date. I have called in to resolve this and the representatives have heavy accents and are located outside of the United States. I don't think they are fully familiar with the Fair Credit Reporting Act. I never opened an account with XXXX XXXX. It is included in the police report and Experian is still reporting this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the 3 different credit bureaus. Twice XXXX XXXX XXXX XXXX ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX upon my disputes in XX/XX/XXXXand XX/XX/XXXX, XXXX has marked my credit report with a payment status for XX/XX/XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX/XXXX XXXX Inquired on XX/XX/2020, APPLE CARDXXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on equifax credit bureau. According to equifax, I have no credit profile. 
On the other hand, I have three credit cards of XXXX XXXX, XXXX and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than XXXX. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including equifax and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus. 

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, Equifax told me that they do not have my credit profile and any of these three companies including XXXX XXXX, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
Product: Credit reporting

I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Product: Debt or credit management

XXXX, on a monitoring program just notified me of a XXXX point drop in credit, as on XXXX, a company called IC Systems reported an unpaid balance of {$290.00} under an acct ending in XXXX. 

Agency number XXXX Original Creditor being XXXX XXXX. 
I deny under penalty of perjury the debt is accurate or mine and have received no service from them in several years.

Can this company immediately remove this fraudulent bill or explain why they are mailing me new credit offers daily by mail. A housing issue of invasion of HIPPA and financial privacy under the current landlord is slowing down my response to you but trying to maintain integrity with you but situation in HUD housing is XXXX XXXX XXXX XXXX and health is declining but trying to position myself to study your credit rebuilding program when I am in a safer situation. Thank you. XXXX XXXX XXXX XXXX XXXX Many blessings to you and praying for better and safer days ahead. My thanks for your ongoing availability and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account is still being reported XXXX open with a balance on my account. i have tried to dispute this account numerous times and experian dispute specialist said my additional information attached was " insignificant ''. This incorrect information is continuing to be reported on my credit report after providing proof this account is closed and all activity has been terminated.
Product: Money transfer, virtual currency, or money service

I was looking online for a new place to rent and while on XXXX I found a cute little two bedroom two bath place that was only {$750.00} to rent I asked for more information on it the owner had got a hold of me through text message and said that he had picked me to be the person that he wanted to be the tenant he said he wanted XXXX that was the first month 's rent and deposit I told him that I would give him half {$670.00} and when I got the keys through the mail the other XXXX is what I would do he agreed. He told me to do it through PayPal but to make sure I pick the friends and family option. I've never done anything like this before so I trusted him and then once he got the money he quit talking to me or taking any of my phone calls text messages for a good 4 hours 5 hours after he received my money I filed a dispute with PayPal and they said they were going to do their little investigation thing that they had Frozen funds. Then on the XXXX of XXXX I get an email from PayPal saying that they didn't see any transactions that were unusual that they went ahead and refunded the money to the recipient not to me I asked him how they thought that was right because that was my money and I never got the keys or lease that he said he would mail to me. He took my money and never gave me the house that I was supposed to rent I asked paypal to give it back and redo their investigation if that's what they had to do but I have nothing to show for my {$670.00}. I'm a single mother of XXXX XXXXhildren and this guy took advantage of me and PayPal went along with it and let him do it. I just want some help to get my money back it's only {$670.00} I understand that but that's a lot of money when you're a single parent with two children and trying to find a place to live.
Product: Credit reporting, credit repair services, 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, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX FCU # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C s-2 ( A ) ( 1 ) A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I purchased a vehicle XXXX from XXXX XXXX in XXXX Texas banking institution who withdrawals for the loan is TD Auto Finance. VIN : XXXX ***THE ENGINE IS NOT WORKING*** This is after I had the problem worked on three times with XXXX XXXX and they rapped electrical tape around a few wires and charged me XXXX XXXX and something bucks with no actual repair. The vehicle what it has done and kept doing is shutting down on me when I'm driving down the highway to where I got to pullover real quick to the shoulder which is an urgent matter. It could cause an accident since it was properly fixed by XXXX XXXX of XXXX. XXXX XXXX has a personal problem with me and won't buy my truck back so I can go out and purchase another one which I tries on Saturday but truck vehicle popped up on my credit information and that dealer denied me a loan for the a new car. This truck has been setting in the back of my families property after I took it to XXXX XXXX XXXX and they didn't want to fix it either. TD Auto Finance I contacted them several times for a STOP payment request, XXXX XXXX, XXXX XXXX, and still TD Auto Finance kept sending me payment request to collect even after the truck still don't run. I have a photo of the truck and what I would like is it to be repossessed and or my credit repaired to normal so I can purchase a new vehicle. This is bs! Maybe perhaps a small amount back on the truck to put down for another loan on a new vehicle? XXXX XXXX has a bad reputation of scamming people and this is a scam rumors have it that a mechanic inside their shop tapper with my XXXX XXXX XXXX engine to cause it to malfunction like it did! I would NEVER purchase from XXXX XXXX ever again and the management there just laughs at my face and are very unprofessional. These people at XXXX XXXX don't ever need to report anything to my family on a subject like this when I'm XXXX years of age. What does that have to do with fixing my engine and or giving me my money back to go find me another vehicle. I need help, I want this truck out of my life and my credit repaired then a few thousand back to go purchase a new car? Please contact me at XXXX.
Product: Debt collection

Debt originally owed to frontier communications and was passed to debt collections. Debt was due to frontier not turning off a service used at a past temporary housing situation. upon not staying at the address anymore directed frontier to stop service but unknown to me it continued to run. About a year and a half or more later I came to know of the debt as it was on my credit report. Disputed with all three bureaus and XXXX removed it but it remains on XXXX and XXXX. This debt is very old and should no longer be on my record and also I was never originally responsible for it. This derogatory report causes my credit score to be reduced and also is a negative impact when I'm reviewed by other financial companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX now owned by XXXX XXXX XXXX on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit card or prepaid card

American Express opened a card in my wife 's name when she was not included in the application.