23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife passed away in XXXX. Despite that fact and the fact that my property has been transferred to my name on all official records, SPS Mortgage Financing has continued to list my wifes estate as sole owner of the property. I sold the property on XX/XX/XXXX and received a check from SPS which I attempted to Deposit on XX/XX/XXXX. It was made payable to the Estate Account which had been closed. I contacted SPS concerning re-issue of the check in my name and have pursued payment since that date with the usual verbal assault attendant to all contacts Ive has with this company. The Rep I spoke with on XX/XX/XXXX told me most of the Service Agents at SPS would tell me anything to get me off of the phone. He further instructed that my attitude would only further delay payment and he would send an internal email to another department that was reviewing the situation. The Agent I spoke with today, the 3rd, told me it would be another 60 business days before they released the Check. I have endured far worse at the hands of this company and can fill notebooks on the subject. Note that I have a perfect record going back to the death of my wife in XXXX and have been tormented by SPS at every opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I witnessed a fraudulent account on my credit report that I had no knowledge of. I called the store and they name several things that was bought that I never purchased or had any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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, credit repair services, or other personal consumer reports

Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!
Product: Debt collection

Ada astra recovery services are reporting a " collection '' debt on the XXXX credit bureau. I already disputed this debt on XXXX. I am requesting that this company provides me with a debt validation letter annd a. DEBT verification letter.. The XXXX website states that I have the right to request. Documents regarding how this company investigated my dispute. 

debt validation letter must includes : The amount owed. 

The name of the creditor seeking payment. 

a verification letter proving this debt is mine Why the collector thinks I owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

The amount and age of the debt : a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

Authority to collect the debt : does thhis agency have the licensed to collect debt in your state. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXXletter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNVFunding LLC. XXXX the supposed debt owner ), XXXX XXXX XXXX XXXX, SC XXXX ( as reported by XXXX  XXXX has failed to comply with FCRA law. I originally disputed a debt with them XX/XX/21 sent USPS certified mail. They had 30 days in order to respond, instead, I received a response letter dated XX/XX/21 stating Resurgent Capital Services L.P was their account manager, no requested information provided. They stated that I had 30 days to respond to that letter instead of providing the account information under FCRA that I requested. I did not receive the requested information until XXXX XXXX from Resurgent their deadline was XX/XX/21 ( 30 days XXXX from my initial request to LVNV. They can not re-age the date of my request because the interworkings between LVNV and Resurgent are not consistent and lacking. Furthermore, Resurgent did not provide all documents requested. They did not provide a copy of the contract or document evidencing my agreement to any debt which I did request XX/XX/21, please reference the letter instead they mentioned in their letter dated XX/XX/21 that 'I may ' request a copy which I already did. They are playing games with consumers in an unprofessional manner. 

On top of this, I have sent certified letters to XXXX and XXXX  with this complaint along with copies of letters sent to LVNV and Resurgent and they also have failed to act under FCRA law.
Product: Credit card or prepaid card

i disputed at the end of XXXX XXXX from sonic. it staill has not been refunded most banks would just credit that without initaition of a dispute process. this bank has spent time calling meback emailing but it has not been resolved its been 2 months since i disputed this and the XXXX need to be refunded. has not been. i have spent time trying to find out that i dont have same SCRIPT it takes 2 months it has been 2 months It speaks volume as to how i am viewed by this bank to put me thru it. As such i will barely use my account REFUND the dsiputed amount already XXXX GIVE ME A BREAK
Product: Debt collection

opened XX/XX/XXXX, in the amount of {$17.00} Unpdate : XX/XX/XXXX second account Opened : XX/XX/XXXX, in the amount of XXXX Update : XX/XX/XXXX I have reached out to this company via phone email and certified mail and I still haven't received any information, on the document request, so I looked online to find that this company XXXX XXXX XXXX has filed Chapter XXXX, So I contacted the company that handling their accounts willing providing them my information to identity these accounts. and the account wasn't able to be verified, So after speaking with a Supervisor I was informed that yes the company Total Auto Finance has filed for Chapter XXXX, I also explained to her this account is inaccurate, and no knowledge of it. so the supervisor suggested that I dispute the account again and let the credit bureau no that Total Auto Finance has filed Chapter XXXX and requested of removal of the negative accounts, I will be submitting supportive documentation of the Chapter XXXX notices along with inaccuracies, and how there are reporting on my credit profile, These accounts are in violation fraud violation. and all my consumer rights,
Product: Credit reporting or other personal consumer reports

There are multiple accounts and inquiries on my credit report that I didnt apply for or even approve one of them at all so when I noticed them I reached out the the company on file some of them reached back out to me but when I told them that I never applied for any or these that listed on my credit reports nothing was ever done so now Im seeing if you guys can do something about this for me because this is absolutely ridiculous that its so difficult to get inquiries and unapproved accounts off my report. I been working really hard to get my credit score back to the way it was I only have two accounts that is right on my report and them are the only one that I approve which is my XXXX  account and my XXXX XXXX XXXX XXXX card everything else wasnt me and is not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Product: Credit card or prepaid card

I opened a business credit card with a promotional 0 % interest rate for 9 months. Card was issued on XX/XX/2019 and email indicated the promotional rate of 0 % was good for 9 months. There was no fine print in the email confirmation I received indicating their terms would require the total outstanding balance of the 8th monthly statement would have to be paid to avoid incurring interest charges. I should have had until the due date of that 9th statement ( XX/XX/2019 ) before any interest was charged. 

However, with the 9th statement on XX/XX/2019 ( less than 9 months from when the card was opened ), the company charged me interest on the ending statement balance. When I called, they advised me that the fine print of the promotional literature I should have received in the mail indicated I had to pay off that balance on or before the due date from the 8th statement, not the 9th ( meaning pay it off by XX/XX/2019 ) which is actually less than 9 months, and that there was no additional grace period. 

I called to get the issue resolved, and the company did agree to credit back the interest charge, but would not correct the grace period end date. 

I've dealt with 0 % interest offers from a number of other credit card companies, and they always offer that interest rate through the due date for the payment due associated with the 9th statement, not the 8th statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

While talking with Experian on the phone on XXXX XX/XX/XXXX to get the freeze on my credit lifted. They asked me several questions to verify who I am and I provided all of the correct information ( monthly payments for my mortgage, current balance on my credit card, etc. ). They said the information was incorrect and I had to mail or fax my SSN card. 

However, I found out there was a link online with them to lift the freeze and the questions there were more specific. Examples are : Did you have an auto loan in XX/XX/XXXX? If so, which company was it with? 
Do you apply for a mortgage in XX/XX/XXXX? if so, was it with one of these companies? 

They are asking different questions on the phone which are impossible to answer. I asked the reps I spoke to what timeframe they were asking about for the auto loan and they said " at any point in time ''. But that wasn't the case apparently. 

They are making it impossible to lift freezes on your credit and they are conducting illegal activities by holding my personal information hostage. I must also point out, they were never authorized to hold my personal information to begin with. Experian must be dismantled and shut down in the name of customer protection.
Product: Credit reporting

I have contacted XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX who contacted me on XX/XX/2016 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX that a debt I owed them had been sold. I knew nothing about this debt and contacted the original vendor associated with XXXX XXXX  to report a fraudulent charge and they stated they would refer this to their fraud department. I was never contacted by anyone with the fraud department. 
I then received a letter from a debt collector, Asset Recovery Solutions , LLC for a debt they claimed was owed to XXXX XXXX. Within 30 days of the original letter, I sent a letter to them stating the debt is disputed and requested verification of the debt pursuant to 15 U.S.C. 1692g. I never received any verification, but was once again contacted by Asset Recovery Solutions requesting a payment of {$100.00}. 
This debt is not mine, I have no knowledge of the debt. However, without further verification, I don't know if this is a result of identity theft or simply a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I recently was asked by my accountant about XXXX charges from the same company that seemed strange to her. When I saw them I knew that I had never made the charges. Both were from a company called XXXX XXXX XXXX charge was for {$690.00} on XX/XX/2011 the other for {$1900.00} on XX/XX/2011 Due to an extended time out of the country I did not notice the charges until brought to my attention by my accountant. When I reported the unrecognized charges to Citibank they said they would credit my account immediately and issue me knew credit cards because the charges may be fraudulent. I received a new card in a matter of days but have not seen the promised credits. I called Citibank last week and now am being told that they have no record of my original call and disposition of the fraudulent charges. I feel Citibank is lying to me in order not to have to issue my refund. I have never done any type of business with XXXX XXXX and reported that fact to Citibank.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ACA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"