23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2023 The XXXX XXXX XXXX, XXXX XXXX, I am once again requesting that someone from XXXX please help me resolve the issue with my mortgage. 
I have been working with the XXXXXXXX XXXX XXXXXXXX XXXX  and they are willing to assist me in saving my home, but I will need the following assistance : 1. I will need the block to be removed from my account so payments can be made. 
2. I need to know the total outstanding balance so I can be sure to have the appropriate money available. 
I have still not heard from XXXX at the XXXX XXXX XXXX who placed the block on my account. XXXX stopped from her end in XX/XX/2023. XXXX XXXX  XXXX is ready to assist so it is imperative that someone communicate with me immediately. 
I would like someone from your office to check into my case with XXXX and get back to me so I might know where I stand with the bank. I would appreciate this courtesy. 
You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX
Product: Debt collection

This company originally reported this item to the credit bureaus back at the beginning of XX/XX/2017 I disputed this item with them as well as the credit bureaus they ended up deleting this item and sent me a notice saying they would stop collection attempt and remove it from my credit file in XX/XX/2017 this is my last attempt trying to get this item removed before I file suit since they failed to verify this item and send real reporting items that have my signature for this item.
Product: Credit card

I have a Credit Card with Avant. I have always paid on time. I am retired and receive funds on the XXXX of the month. And I always pay when I get money. However, I made my XXXX payment, and my XXXX payment on the XXXX. I received an email that I was being charged a late fee for not paying my XXXX payment. 
I called and was informed that I could not make my payments before the due date of the XXXX. If I did they would be applied to the previous month. 
This is what they did with my XXXX payment, applied it to the XXXX payment, which I had already paid. And I received notice that I was overlimit and that I would be charged a late fee of {$25.00}, which I told them I would not pay because my payment was made on time and before the due date. 
I am quite sure I'm not the only person that they are taking money from. If it was where I could, I would pay them off. 

Thank you, XXXX XXXX
Product: Consumer Loan

I returned a vehicle to mercedes end of lease and received an absurd ridiculous bill. There was an end cap missing on the bumper a {$20.00} to {$50.00} part at any mercedes dealer and they sent me an invoice for {$4800.00} with additional misc charges as well I called them but havent heard back
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

My wife and I have always had excellent credit and have never missed a mortgage payment. We own several rental properties and have mortgages on many of them. Our credit scores are above 800. 

We took out a new mortgage in XX/XX/2019with First Centennial Mortgage. Our first payment due date was XX/XX/2019. I wrote a check for the XXXX mortgage payment and mailed it to an address in XXXX, IL. The check was received and cashed on XX/XX/2019. 

After the XXXX payment, we were notified the loan was being transferred to First Centennial Mortgage ( by XXXX XXXX ), located in XXXX XXXX, Il. It was after this transfer where everything has gotten messed up, and has not been resolved. 

After I made the XXXX mortgage payment on XX/XX/19, I noticed a late charge of {$46.00} had been added to our account,  and I wanted it removed since I knew that I had not made any mortgage payments late. I called the customer service number at First Centennial/XXXX, and they said that the late fee was transferred from the previous servicer because the XXXX payment was late. I sent them a copy of the canceled check proving that I made the XXXX mortgage payment on time and that should not warrant a late fee. After some time went by, and no resolution, I called the customer service number again, and asked for the late fee to be waived. They told me again that it was transferred to them from the previous servicer, but they saw the check that I had provided and they would waive the fee and it would be removed. 

In looking at the transaction history of our account on their website, on XX/XX/19, it appears that they reversed the XXXX and XXXX mortgage payments in their system in order to waive the late fee. Then, they re-applied the XXXX and XXXX mortgage payments to my account on XX/XX/19. Whatever they did in their system now has my account flagged as a delinquent account that is late on the mortgage payment. I'm receiving notices in the mail indicating the account is past due and they are looking to provide solutions for us to avoid foreclosure or bankruptcy. 

We have done nothing other than make each mortgage payment when it was due, and I wanted to have a late fee removed that should not have been applied. Now, I'm being treated like a deadbeat   who can't afford the mortgage payment and needs to find a solution to avoid a foreclosure on the property. 

I would think that an experienced mortgage servicer has a better system in place to receive new loans, and how to properly get them set up in their system. My experience with First Centennial/XXXX has been nothing short of a complete disaster. I need for them to get their system updated to reflect the account as current. Then, I will set up automatic payments every month so the mortgage payment is made, and I will never have to contact their customer service department again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX   that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATLEY! 

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 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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been facing in my attempts to remove fraudulent items associated with my account from XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I clearly explained the situation and submitted the required documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and decisive action to remove the fraudulent items from my account. 
Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the fraudulent charges ' removal. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraudulent items : 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: Credit reporting or other personal consumer reports

I looked at my report back 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 whom the report relates. These XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accuratXXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2400.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Money transfer, virtual currency, or money service

Look at the Original complaint ID XXXX with Gemini their only response since XX/XX/XXXX was to CFPB on XX/XX/XXXX they have Stonewalled me since. I just need Gemini to respond to me on how I can re-gain access to my account. I think that is a reasonable request! 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your bureau and would like to dispute the accuracy and completeness of the following information. This incorrect information is negatively impacting my credit report, and I request that you correct it immediately. The specific information I am disputing is as follows : I expect your investigation to be completed within 30 days. Once the investigation is concluded, please provide me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who were contacted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Credit reporting or other personal consumer reports

I Have been recently reviewing my credit and looking over the fair credit reporting laws and see that the company XXXX XXXX XXXX with account number ending in XXXX shows an account was opened XX/XX/year> for a dollar amount of {$1400.00}. this information is inaccurate. I do not have any contract with this company that is reporting to all credit bureaus. This debt buyer has access to my personal information without my consent which violates FCRA... THIS DEBT BUYER IS SHOWING FROM OTHER COMPANY LIKE CREDIT KARMA THAT THEY ARE THE ORIGINAL CREDITOR AND THIS INACCURATE.THE FDCPA RESTRICTS HOW DEBTS COLLECTORS CAN COMMUNICATE ABOUT MY DEBTS. SECTION XXXX ( B ) OF THE FDCPA.I AM ASKING THAT THIS DEBT COLLECTOR INFORMATION BE DELETED AND REMOVED FROM ALL CREDIT BUREAUS AGENCY. THIS INFORMATION IS INACCURATE AND I DO NOT OWE A DEBT TO XXXX XXXX LLC..THEY HAVE ACCESSED MY INFORMATION ILLEGALLY AND IS VIOLATIONS FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield and Associates is in violating HIPPA right by reporting a debt by XXXX XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the Hospital. It is very humiliating and embarrassing. I am prepared to take legal action against Wakefield and Associates for causing me emotional distress and violating my rights. At this point it's not the measly {$730.00} it's about the fact that they are displaying my personal health for the world to see.
Product: Debt collection

CRA is in direct violation of Metro 2 compliance, FCRA section 609, and Michigan consumer protection laws.
Product: Debt collection

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : APPLE CARD/GS BANK USA XXXX Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Creditor : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In XX/XX/year> Social security administration erroneously reported me deceased by a mistake made by an employee at the social security administration. Since this mistake with the social security administration every one of my credit cards except for 2 ( my XXXX XXXX credit card and XXXX XXXX XXXX XXXX credit card ) closed and charged off immediately following of this reporting of me being deceased as I was current on all my payments and was false closure and charge off my credit cards. These credit cards are with XXXX  XXXX XXXX, card ending in XXXX, XXXX XXXX  ending in XXXX and XXXX XXXX XXXX  ending in XXXX claiming on all accounts timely payments were not made which is in fact untrue as all these credit cards were closed not allowing me to make my timely payments as of XX/XX/year> when I called XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I was current on all these credit cards listed above prior to closing of accounts as of XX/XX/year>. I have called XXXX XXXX XXXX on numerous occasions requesting a dispute with no response to my dispute. These were also referred to their attorney for further collection/legal action to Johnson Mark LLC and I called XXXX and requested also to dispute these collections on all 3 credit cards as it was current due to closing of cards and was violating my FACTA and FDCPA rights for not reporting true and accurate information about my debts and was wrongfully charged off with the original collections. I have begged and pleaded to dispute and seek resolution on these debts with XXXX XXXX XXXX and Johnson Mark LLC on numerous occasions and now I am with an legal judgement on these with no right of disputing these claims. I have since recently retained counsel with XXXX XXXX XXXX and was advised by counsel to attempt to seek resolution by filing a complaint through CFPB. Thank you.
Product: Debt collection

Spring Oak Capital LLC claims I owe them {$11000.00} for the original creditor, XXXX XXXX. Opened XX/XX/2022. I never opened or had a XXXX XXXX account. XXXX XXXX is not on my XXXX credit file. Spring Oak Capital LLC needs to remove this false information immediately.