23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Checking or savings account

My employer initiated an ACH payment of my biweekly pay check on Thursday XX/XX/XXXX at XXXX. The pay amount sent to my Capital One Checking account is {$1000.00}. The ACH should have been posted to my capital one account early this morning Friday XX/XX/XXXX, part of my pay was sent by ACH to XXXX XXXX XXXX at the same time Thursday XX/XX/XXXX and that was received in my account Friday XX/XX/XXXX morning as normal. I spent hours of my day Friday XX/XX/XXXX trying to get through to Capital One customer service, I waited on hold for 2 hours to be told " we are working to resolve it and we do not know when it will be resolved ''. When a bank receives an ach/direct deposit/eft from another bank they have until the next business day to post it to the customer account- by law. I mentioned this to the customer service representative at Capital One and I said so essentially Cap One is violating the law and she agreed. I need my pay to pay bills and now it is a holiday weekend, am I supposed to wait for my paycheck until next week? I need to pay bills and capital one does not care what this is doing to people that need their paychecks. Pretty suspicious considering the bank was slapped with a lawsuit XX/XX/XXXX and the next day XXXX they could not send customers THEIR HARD EARNED PAYCHECKS!
Product: Debt collection

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX XXXX However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX Portfolio Recovery Associates, LLC brought this old credit card from XXXXXXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also Portfolio Recovery Associates, LLC posing as XXXX XXXX XXXX  ( XXXX ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, XXXX posing XXXX  XXXX ( XXXX ) ; we are currently in dispute
Product: Credit card

On XX/XX/year>, Discover offered me a pre-approval application without hard inquiry. However, Discover denied the pre-approval and placed a hard inquiry in my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are still charging money for credit freezes and thaws. After the XXXX break, the XXXX breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several loans that I consolidated from XXXX to XXXX. There is one loan remaining with XXXX that has not been moved that is causing my credit score to continue to drop. Loan # XXXX. This loan is being recorded as joint. IN XX/XX/XXXX, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at XXXX XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down XXXX point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX  ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding unauthorized inquiries that have appeared on my credit report. I seek your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) to address this matter promptly. I kindly request your intervention to ensure that my consumer rights are upheld. 

The unauthorized inquiries that I am disputing are as follows : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : SETTLEMENT Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : PREMIUM Date of Inquiry : XX/XX/XXXX These unauthorized inquiries have significantly impacted my life. Allow me to share my personal story to provide a detailed understanding of the emotional toll these actions have taken : As a hardworking individual striving to maintain financial stability, these unauthorized inquiries have inflicted considerable stress and XXXX upon me. The unauthorized access to my credit report has created a sense of vulnerability and violation of my personal information. Each unauthorized inquiry represents a breach of my privacy, undermining my trust in the financial system that is meant to protect consumers like myself. 

These inquiries have far-reaching consequences, impacting my ability to access credit, obtain favorable interest rates, and secure essential financial services. As a result, my dreams of securing a stable future for my family have been hindered. The uncertainty caused by these unauthorized inquiries has forced me to spend countless hours navigating complex processes, seeking resolution, and addressing the repercussions on my financial well-being. 

With this dispute, I kindly request that the unauthorized inquiries listed above be thoroughly investigated and promptly removed from my credit report. I am asserting my rights under the FCRA to ensure that the information in my credit report accurately reflects my creditworthiness and financial history. 

Moreover, I urge that the relevant creditors validate the accuracy of the accounts associated with these unauthorized inquiries. If the accounts can not be verified within the parameters of the law, I insist on their removal from my credit report. This action will help rectify the unwarranted harm that has been inflicted upon my financial standing and emotional well-being. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. Your intervention is crucial in rectifying this situation and restoring my faith in the financial system. I request timely communication and resolution as I work to secure a more stable financial future. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In  XXXX   XXXX  I decided I wanted to Pay Off my mortgage loan. I started checking my Principal and Interest balance. I noticed t hat ShellPoint Mortgage Servicing ha d the wrong final payment date on my loan.They said the maturity date was  XX/XX/XXXX  By my Promissory Note the date was  XX/XX/XXXX . When I spoke to them they agreed to  XX/XX/XXXX . I then told them that the Principal and interest balance was off also. They told me I needed to put in writing a complaint which I did on  XXXX . I sent them a  Amortization Schedule w ith my loan imformation. They said they had 30 days to respond which they never did. Every time I would call and speak with someone they gave me the run around. As of today my Principal and Interest should be  XXXX  not  XXXX .   Loan started on  XX/XX/XXXX  first payment  XXXX .  XXXX  is my principal and Interest payment per month. loan was for  XXXX  at 15 years for 180 Payments with a fixed Interest rate of 7.9 % .When I asked them to send me a Amortization schedule they said they did n't have to.This loan has never been modified or any payments deferred The loan is current. I appreciate your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Mortgage

My complaint is with the company Amerisave Mortgage Corporation. We applied for home refinancing two months ago and was approved for 20 year conventional loan with the rate of 3.125 %. After we deposited the {$500.00} good faith deposit in order for them to proceed with the loan, things changed. First, the monthly mortgage payment changed without the loan officer informing us. Second, when we tried to contact the loan processor, he doesn't know what was going on and was mad when asked questions. Finally, after everything that we went through, we still decided to go refinance the house and Amerisave set up a date for us to close the loan which is XX/XX/2020. When closing day came, none showed up and nobody from Amerisve informed us that the closing has been cancelled. This is very unprofessional and unacceptable on the part of Amerisave. We are trying to contact them for 1 week now because we want our {$500.00} deposit to be refunded. As of now, none of them responded to our calls and e-mails. These are the people that processed our loans : XXXX XXXX Loan Officer Tel : XXXX XXXX XXXX Loan Processor Tel : XXXX XXXX XXXX Loan Officer Tel : XXXX XXXX XXXX Manager Tel : XXXX I hope others will not be a victim of this company.
Product: Credit reporting or other personal consumer reports

It's important to note that I did not authorize another individual to use my personal information in order to establish this account.
Product: Debt collection

Ive tried several times to contact the company and get the situation rectified but all they do is say theyve done a full investigation and put the same numbers back on my credit report
Product: Debt collection

Received in a envelope XXXX from XXXX XXXX  in XXXX, Ohio. Two pieces of paper for a Request and and Written for Garnishment that was enclosed in this envelope.. They have filed through State of Michigan Judicial Circuit - XXXX District. I have never banked with this company so I was utterly shocked. It was filed by XXXX XXXX XXXX, XXXX c/o Weber & Olcese, P.L.C. in XXXX Michigan. I have no idea what this is about. There is no information what this collection of debt is original from. This is a 3rd party that bought a old debt. This is a old debt through a credit card that was charged off and is way past the Statue of Limitation. There is no information of who the original debt was from or what year. I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the credit Reporting Agency to conduct a though and concise investigation on a Credit Card  account with XXXX XXXX XXXX that had unauthorized charges. I have also asked the Credit Reporting Agency to contact the Creditor for validation of the charges and the debt itself.
Product: Debt collection

Emergent Servicing has repeatedly called my phone number from multiple phones from around my area. Harassing me.
Product: Debt collection

I am writing to formally request validation of the alleged debt referenced in your recent communication dated [ insert date of the letter you received ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe.

Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement under which the debt arose.

4. Any records that provide evidence of my obligation to pay this debt.

Until I receive this information, I request that you cease all collection activities related to this account, as per 15 U.S.C. 1692c.

Please respond to this request within 30 days. Failure to provide the requested validation will require you to cease collection efforts and remove any related negative information from my credit report.

Thank you for your cooperation.
Product: Mortgage

My husband and I were facing foreclosure in XXXX after I had lost my job and we got behind on all of our bills. We filed for chapter XXXX bankruptcy in XX/XX/XXXX. The trustee paid the pre-arrearage payments and we were supposed to pay the ongoing payments directly to the lender. Throughout the four plus years or the chapter XXXX repayment plan, we did miss some payments. Also the servicing of the mortgage changed twice. The most recent change took place in XXXX of XXXX when the servicing changed from XXXX to Carrington Mortgage. The loan was also sold to a new owner. Going by the statements that we received from Carrington starting XX/XX/XXXX, showed that we owed {$7000.00} plus in overdue payments. So we paid extra payments to pay that amount off before the bankruptcy was over. According to the statements we believed that we had made enough catch up payments to bring the loan current in XX/XX/XXXX. Then we received a final cure payment from Carrington stated that we owed another {$8000.00} plus in past due payments and fees. Our bankruptcy attorney said that he requested the ledger, but we never got it after two months. So I sent a certified letter requesting the ledger for the period of XX/XX/XXXX to current. I received the ledger from Carrington recently, but it only included information from XX/XX/XXXX to current. I then contacted a VA representative who said that he would try to get the information for me, but I havent got anything other than a loss mitigation packet and now notice of default dated XX/XX/XXXX. How can I determine if payments were not credited if they wont provide me the ledger? They also have not answered my question as to why the amounts past due changed from the XX/XX/XXXX statement to the XX/XX/XXXX statement. The bankruptcy was discharged in XXXX of XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Gateway Financial Solutions, Subject : Request for Clarification on Security Agreement, Account Charge-Off, and Tax Reporting To Whom It May Concern, I am writing to formally address several concerns regarding the handling of my account and the sale of the vehicle associated with my loan. Please consider this letter a request for clarification and resolution of the following issues : 1. Security Agreement and Applicable Laws I am seeking clarification on the legal basis and terms under which the security agreement for my loan was executed. Specifically : Please provide a copy of the security agreement that outlines the use of any funds or collateral in this transaction.

Kindly confirm compliance with the Uniform Commercial Code ( UCC ), specifically Article 9, governing secured transactions.

2. Vehicle Sale It has come to my attention that the vehicle was sold for {$21.00}, which is significantly below its fair market value.

Please provide detailed documentation, including the appraisal value and auction or sale details, to justify this sale price.

Under UCC regulations, creditors must act in good faith and conduct sales in a commercially reasonable manner. I believe this sale price fails to meet that standard.

3. Account XXXX and XXXX XXXX ( XXXX ) I understand that my account was charged off. However, I have not received a XXXX XXXX ( XXXX of XXXX ) as required for tax reporting purposes. 

The XXXX XXXX XXXX requires creditors to issue a XXXX for debt cancellations exceeding {$600.00}. Please confirm whether this form was filed with the IRS and provide a copy for my records.

4. Consumer Protection Laws I request confirmation that all actions taken in connection with my account comply with applicable consumer protection laws, including but not limited to the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ).

Request for Resolution To resolve these issues, I request the following : 1. A detailed response addressing each of the concerns outlined above.

2. Copies of all relevant documentation, including the security agreement, vehicle sale records, and tax reporting forms.

3. A review and correction of any discrepancies related to the handling of my account.

Please respond to this letter within 30 days of receipt. If no satisfactory resolution is provided, I may seek assistance from regulatory authorities or pursue legal action to protect my rights. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My online account was compromised by someone illegally obtaining my online username and password and between the dates of XX/XX/23 - XX/XX/23, an unknown individual accessed my online account illegally and sent multiple amounts of money from my checking and savings accounts to their XXXX account in multiple denominations totally {$5600.00}. The bank initially gave me a provisional credit and then sent the charge backs to XXXX who denied them for unknown reasons and now US Bank is trying to charge it all back to my account with no justified reason, thus throwing my account into the negative by XXXX XXXX XXXX. I did not authorize any of the transactions, nor did I give my username and password to anyone. All of the XXXX transactions were sent to a XXXX account with only the first name XXXX showing. I have not authorized any transactions to this unknown person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong
Product: Mortgage

Payment was sent before my account was switched from XXXX. I set up Freedom Mortgage ( I entered all Freedoms info ) in my bill pay account once I found out it was transferred, but my bank took the payment as if I wanted to pay that day. The payment was made too early and was never applied to my account. My account is now in delinquent status with Freedom Mortgage after multiple attempts of me reaching out. The most recent person Ive spoken to asks for a wire ID number which was provided. I've provided everything you've asked for verifying the ACH transfer. I've spoken to rep after rep after rep and keep getting the run-around.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when Morgan Stanley & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by Morgan Stanley & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Source : Experian Date Submitted : XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Source : Experian Date Submitted : Amount XXXX I disputed for accuracy requested verification of dates I knew the account was closed I ported my number out from XXXX to my current company Id been with for over 5 years now I even contacted the collection agency they could give me no proof of the dates