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

I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX  and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Apartments ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

Deposited XXXX {$1800.00} Deposit slip said it would be available XXXX. On this date i saw on my app a hold was placed with no date of when it would be available. Called and asked they had no answers for me. Told me to call back. I called back on XXXX got the same response. That nobody knows yet.
Product: Mortgage

Hello! 
I've already file a complaint with this company on XX/XX/2021, the complaint number is ( XXXX ). However, I'm still seeking some some assistance in pay my mortgage payment and becoming current on my house note. I really appreciate your time and assisting. I can be reach @ ( XXXX ) XXXX. 

Thank you! 
XXXX XXXX
Product: Debt collection

Credit Collections Services has placed a negative report to XXXX and XXXX. On XX/XX/XXXX I requested a copy of the original contract I have with XXXX XXXX XXXX to collect a debit. This was sent by USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX I did not receive a response or documentation from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a rent to own shed and brought a bigger one from another company, AWA Collections filed information on my credit report that i owe XXXX XXXX XXXX XXXX {$6300.00} dollars, i have did a number of disputes and contacted AWA and XXXX XXXX XXXX about the situation, they have done nothing to removed this from my credit report.How can i owe money for something i returned in good shape, a rent to own.
Product: Mortgage

( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.
Product: Mortgage

XXXX XXXX company refuses to modify my loan and has been over charging me for taxes every month and owes me 2000 in over fees but refuse to release the funds till Im off forbearance. 
They sold my loan to midland mortgage after reading reviews I see its going to be very hard to work with them as well.
Product: Credit reporting or other personal consumer reports

I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information.

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise.

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.
Product: Vehicle loan or lease

I had got a car through Chrysler capital from which I was told I could refinance after a year. When i asked if I can refinance I was told that I couldnt. 
In XX/XX/2021, I had got into a car accident XXXX week after purchase, the car got towed to an impound. I went to the impound to try and see if I can move the vehicle and I was told that itll be more expensive to move it where I wanted to and that I should just come back when I have the money to get the vehicle out the lot. Im saving money when I get a letter from the impound saying that they sold my car. I was under the impression that they had to contact my lien holder which is Chrysler capital before they proceed with any sale. I dont know if Chrysler capital agreed or not but I got no notice from them about that. I contacted them and told them the situation and they basically told me that although that is unfortunate Im still responsible for the payments. I have been making the payment religiously on time every month for 3 years since and just recently I lost a job and contacted them about any hardship programs. Chrysler capital told me I am not eligible for anything except for a 15 day extension. So I am stuck with a car payment for a car that i cant afford and that I dont have with no way to get a lower payments through refinancing or any type of hardship assistance
Product: Debt collection

VALIDATION AND CEASE AND DESIST LVNV FUNDING LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXXXXXX Account number : ACCT # XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear LVNV FUNDING LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) : a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor. or the attorney of the debt collector.

I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor, 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit card or prepaid card

On XX/XX/18 a fraudulent {$160.00} charge by merchant XXXX XXXX XXXX   XXXX NY was made to my Citi Mastercard account. On XX/XX/18 when my monthly statement arrived, the fraudulent charge was discovered and an online dispute ID : XXXX with Citi was opened. On XX/XX/18 I received a letter from Citi, backdated to XX/XX/18, stating that it would not reverse the fraudulent charge.
Product: Vehicle loan or lease

This correspondence is in regard to application # XXXX submitted by SUNRISE AUTO SALES and decisioned by INNOVATE AUTO FINANCE which an adverse action letter was received in XX/XX/2021. My social security card is a credit card and use of it without benefit to me is a violation. INNOVATE AUTO FINANCE is dangerously close to malfeasance. The adverse action offer is here by rejected, a credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. It is FACT, this complaint will serve as notice to correct all records regarding XXXX XXXX XXXX. It is FACT that INNOVATE AUTO FINANCE BANK is engaged in trust actions and has fiduciary duties to uphold. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. I am willing to overlook the error if ALL records are corrected.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX
Product: Debt collection

They are not able to validate debt Collection Accounts :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX .
Product: Payday loan, title loan, or personal loan

I am concerned with the way the payments i am making or have made are being made on the account. I only make purchases on 6 month no interest or in XXXX of XXXX i started a 24 month special finance purchase that is {$130.00} per month. 
From the beginning of the start of the special finance purchase, that seems to quote the amount that it would have cost had me and the seller not made an agreement on a lesser amount. 
The amount they were asking for as minimal monthly payments were made plus and suddenly what i saw was the payments made were not being placed on the items on the account under the special finance purchases. 
The payments were being placed on one item that is set to expire in XXXX and leaving the items that i was making payments minimal or more to be placed somewhere else and leaving the items that i had six months to payoff to remain with no payment amount being applied to them to come to the point of about to expire. 
An item on the account that was to expire XX/XX/XXXX had a balance of {$57.00} i made the payment of {$58.00} in XXXX before the expiring date. They took the payment and placed put on the expiring item and put the other some where else and when i inquired about the total account balance not matching the total of all the items added up, i noticed that the the amount left unpaid on the expiring item was placed on the total balance and no explanation given has satisfied me and from the way it seems they are not really interested if i am satisfied. 
I have kept up to my end of the agreement to pay off the loans before they expire or make the payment on the one that interest has already been given in the total of payments over the 24 month period. 
The same thing happened in XXXX or XXXX of last year that i called numerous times before anything was done, even had to speak to a supervisor before they did some adjustments but i am not sure if the adjustments was benefiting me since when i asked them to send a layout of how they came up with the figures to make the adjustments, not was given to show this.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have attempted repeatedly to phone the company that has appeared on my credit profile damaging my ability to obtain credit for my business. No one ever answers. I get a recorded message that states to leave my name and number due to COVID 19. I never received service from the original creditor, nor have I received a bill or statement from either the original creditor listed or the collection agency. Date 1st reported XXXX and updated XXXX for the amount of {$1200.00} by Midwest Recovery Systems, LLC via XXXX XXXX XXXX XXXX. I have been trying to validate the debt unsuccessfully.
Product: Credit card or prepaid card

In spring 2014, I applied, and was approved, for the credit card offered by XXXX XXXX. I made a purchase and used the website to pay. I made another purchase not long after. I went online and submitted payment, just as I had before. 

However, a few days later, I went online to check my bank statement and the payment to XXXX XXXX had disappeared : it hadn't processed through. I called my bank. They recommended I reach out to XXXX XXXX. 

XXXX XXXX told me that my bank, with whom I had had an active account in good standing for over 9 years, had told them that the account information I had provided them with was incorrect. What the customer service representative said was that they had, in layman 's terms, been told my account didn't exist. 

For over a month, we went back and forth. I offered to pay with my debit card, but as it was associated with the checking account I had tried to use before, they said I couldn't do that. My mother offered to pay for me, as did my fiance. They refused. 

I now owe them upwards of {$500.00}. The original tab was approximately {$40.00}. I told them, the moment it became clear they were never going to let me pay, I told them to close the account. I never used the card after the second purchase. I can't fathom the interest rate that takes {$40.00} up to {$500.00} in 6 months, especially after I told them to close my account. 

I took some time away from the situation, as I was moving. Throughout the months between the time I told XXXX to close the account and today, I and my fiance ( who has power of attorney ) have made dozens of calls to the bank and made no headway. They absolutely refuse to take less than {$150.00}, which is over a fifth of my monthly income and more than triple the initial purchase. 

I don't believe I owe them this because they refused all of my attempts to pay my bill and also refused to close an account that wasn't in use, thereby driving the interest sky-high. 

My credit is XXXX, and some of it is student loan debt, which I am repaying, but a lot of it is this theft. I am XXXX and my income is limited to what the government has deemed my life should cost monthly. If my car needs repairs, or replacement ( yikes! ), if I need new shoes, if rent goes up, or something happens to my fiance 's job, I can't cover it unless I have the money in my hand. 

I want My credit score back.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I send my payments twice a month through my bank. The mortgage company, Mr. Cooper, does not apply the money sent to he payments correctly which results in my payment looking late or not at all. I have to call every other month to have funds moved and applied to the correct places. They were supposed to fix the way my funds were applied but it has not been corrected. I then asked to remove my escrow account to eliminate this issue and they said due to my payments being late they can't remove the escrow account. I explained if you look at my payment history you have the payments on time that your company does not apply the funds correctly. I asked to speak to management who is never available and I'm told they will call back and no one ever does. This has been on ongoing issue for over a year now.
Product: Credit reporting

I have been disputing information for 6mths or more and cant get correct updated information. I have submitted documentation to support the investigation. yet it opens another dispute. XXXX XXXX account should be removed from all XXXX bureaus. in addition to XXXX should also be removed from credit report. I have accounts that where settled and close that are reporting open and due. I have an XXXX account the went to collections that has since been rectified by att that I have to wait to have it removed,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 3. XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered my info was breached in the XXXX XXXX and EQUIFAX Data Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts.

Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with Equifax Settlement, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.
Product: Credit reporting or other personal consumer reports

The fraudulent accounts linked to my credit report through identity theft have been added without my authorization or written signature, causing severe disruption to my financial wellbeing. These unauthorized entries have not only created significant XXXX XXXX but have also directly prevented me from achieving crucial life goals, including purchasing a home and adequately providing for my family 's needs. Despite my previous communication with your organization about this serious matter, these harmful entries persist on my report, continuing to misrepresent my credit history and responsibilities.