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

Dear Sir or Madam, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/ MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXXXXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

-At one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : XXXX XXXX
Product: Mortgage

Problem with XXXX/Loancare servicing. 
I have a NON-escrowed mortgage for most taxes and insurances ( only flood is required to be escrowed ). This servicer received a regular COPY of the windstorm insurance bill and decided to pay it without communication with me. Added it to my escrow without my consent. Since I was not aware, I tried to pay the bill with my insurance company and was told I was fully paid. Six months later I receive an escrow analysis statement with the prior payment, resulting in a large shortage in my escrow account. They also ADDED the future renewal to my escrow account creating a further shortage and dramatically increasing my required monthly payment. I spoke to the servicer 3 times about the error. They acknowledged the error. They promised to correct the error. After a month and a half of this back and forth, they still have done nothing to correct. The increased payment was due XX/XX/XXXX. I did not pay it. I have decided to payoff the mortgage. Today is XX/XX/22. 
I requested a payoff online on XX/XX/22. My request shows on their website. It says expect in 1-2 days. I CALLED today and spoke to a representative who said a supervisor would send me a payoff within the hour. No payoff forthcoming. I have already sold securities to pay this loan off ( that is how frustrated I am ) resulting in a large capital gain expense. The " service '' from this company is unacceptable and abusive. They tell customers what they want to hear just to get them off the phone and then do nothing. Not to mention the difficulty just to get to speak to a person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B that you Equifax credit reporting agency block information appearing on my consumer credit reporting that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent and false information is from XXXX XXXX XXXX and XXXX XXXX XXXX Account number XXXX The account was not opened by me XXXX XXXX. I have attached an FTC report, preolice report and a copy of my credit report.
Product: Debt collection

In XX/XX/XXXX I contacted XXXX XXXX ( doing business as XXXX XXXX XXXX ) and paid for services to be completed for an offer in compromise for the IRS. 

I paid {$3100.00} to them via my credit card on XX/XX/XXXX, signed an agreement for them to negotiate on my behalf and submitted all requested paperwork. 

On XX/XX/XXXX XXXX I was told that the Offer in Compromise had been completed and I needed to submit an agreement to Zuntafi for {$12000.00} to pay back money to be sent to the IRS along with the Offer in Compromise. I was told this was a requirement of the Offer in Compromise process. 

I signed the agreement and began making monthly payments of {$620.00} in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX told me the Offer and Compromise was filed and I should hear from the IRS in a few months. 

After about 3 months I reached out to XXXX XXXX XXXX XXXXXXXX XXXX XXXX who told me that it was at the IRS waiting to be processed. I reached out to them over and over again. Finally they stopped returning my call. 

I stopped sending money to Zuntafi in XX/XX/XXXX. They reported a delinquent debt on my credit report. I asked them to verify this debt with Honest Tax. They reached out to XXXX XXXX  and they did not respond to Zuntafi. Zuntafi however did not remove this negative reporting from my credit file. 

I reached out to the IRS in XXXX and they verified that nothing had been filed on my behalf by XXXX XXXX or any other entity. I already knew this in my gut. 

I reached out to Zuntafi again and they did not remove this listing from my credit, kept me in delinquency and sent it on to a collection agency XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. I talked with XXXX in XXXX and explained my situation. They indicated there was nothing they could do. 

I reached out to XXXX XXXX XXXX XXXX XXXX XXXX again in XX/XX/XXXX. On XX/XX/XXXX I heard back from XXXX XXXX. She confirmed that XXXX XXXX XXXX XXXXXXXX XXXX XXXX never filed an Offer and Compromise or anything else on my behalf. 

I told her this was fraud. She is now attempting to have work done as promised. 

I do not want anything to do with this fraudulent organization and want my money back.
Product: Debt collection

I have been on the Do Not Call Registry for about 4 years now and I am getting calls from debt collectors when I have NO DEBT!!! There is NO excuse for them not obeying the law & failing to update their databases. This recent call is from NCB Management at XXXX. There have been others with different numbers but not sure if from the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

There are inaccurate information on my report that I need to remove. These inaccurate information are causing identity theft issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I transferred from XXXX to XXXX  I was not under contract and there was no balance owed. I filed a dispute on XX/XX/2020 with XXXX  with no luck.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX with respect to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Debt collection

The CRA 's ENHANCED RECOVERY -- is violating FCRA FDCP laws. are very aware of the Fair Credit Reporting Act 623, Cushman v. TransUnion, US Court of Appeals for the Third Circuit Court Case 115F3.and d 220 US Court of Appeals , Ninth Circuit , No. 00-15946, Nelson vs. Chase Manhattan And Federal Debt Collection Practices Act ( FDCPA ) laws against re-aging time barred accounts,
Product: Checking or savings account

Set up direct deposit with my employer to deposit my check in my account at Capital One. My deposit on XX/XX/XXXX never went in my account. Verified the account number with work and it was incorrect so I fixed it. Check on XX/XX/XXXX did not go into my account either. Filed a claim with bank. They denied it. Gave them the tracing numbers and they denied it. Today I reopened another claim for missing deposits and gave them the info again. My employer has not received any money back from the bank as not being able to deposit. Was told it could take another 45 days for an investigation. Meanwhile I have no money for bills or food and Capital One does not seem to be wanting to help recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX, XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, AZ PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX COLLECTIONS : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX SC XXXX XXXX 'S XXXX XXXX XXXX XXXXXXXX EQUIFAX EMPLOYERS : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

At this stage, I dont even know what to say. This XXXX XXXX doesnt even bother to read the complaint and copies/pastes the same useless response as in previous complaints. I raised a very specific issue but she cant even be bothered to read, let alone reply to that. I guess I will keep filing complaints till she bothers to at least read my complaint I want them to show me where do they list in their terms and conditions that I need to wait 90 days to get a direct deposit? They just make their own policies as they go. I have read all the terms and conditions and nowhere does it state that I need to wait 90 days to get a direct deposit. Even their own website says the opposite and says that my rewards are available for either statement credit or direct deposit. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this unethical company
Product: Debt collection

I spoke with someone at this company on last XXXX regarding false information being reported from their agency. I informed the representative that I never had a contract with them and I don't understand how they can be reporting to ruin my credit report. The representative informed me that I should paid then they won't have to report. I informed representatives that I will not be paying anything due to the fact that I do not have a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I had an Mortgage with XXXX XXXX from XXXX XX/XX/XXXX and the mortgage has been transferred over to XXXX , XXXX XXXX We made our last payment on XX/XX/2021. We made our first payment with XXXX XXXX on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of 50 pts. XXXX XXXX XXXX is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of XXXX XXXX XXXX. 


I can be reached at XXXX XXXX
Product: Mortgage

This company does not allow me to make payments, when I call I get hung up on and told my account is locked, or when I submit payments the company does not allow payment, unless the next month is paid in full too, even though for example I am trying to pay, today X/X/17, and they wo n'taccept payment unless I include XX/XX/XXXX payment which is not even due until XX/XX/XXXX. I have no  problem paying what I am behind on, but they are asking me to pay ahead too, which is impossible for us to do at this time. They are intentionally making it difficult to make payments as if they want us to be behind, and keep us in a default status never climbing back out. Today I requested to make a XXXX $ certified funds payment to them to get us paid for XX/XX/XXXX and partial XX/XX/XXXX and I would pay the remaining balance and be caught up for XX/XX/XXXX, and XXXX XXXX, the only person this company has allowed me to speak to on this account who is consistently rude, condenscending, and hangs up the phone on me, said NO payment will be accepted unless I include all of XX/XX/XXXX as well even though according to my paperwork it 's not due until X/XX/2017. All questions I ask as to why they wo n't accept payment they say is because I am a less then one year old loan. I have asked to speak to ANYONE else and they still have XXXX XXXX as the collection person. The level of unprofessionalism, rudeness, and difficulty they make it just to get caught back up is unreasonable and causing us to have to pay extra fees we are trying to avoid. XXXX, XXXX, absolute terrible company targeting middle class families who just want to make their payments and who ca n't afford any other options.
Product: Mortgage

Pennymac loan company bought my mortgage. My escrow payment increased and they did not notify me. I have the payment set to autopay, so my mortgage payment was {$50.00} short. Pennymac did not apply my mortgage payment and instead held the payment in suspense. They did not send a letter or an email. I called them, and they informed me that I have to check my inbox on their website. There is no other way I could've learned about the changed payment amount.

I learned about the changed payment amount after Pennymac left me multiple voicemails asking me to call them without explaining the purpose of their call. I called them back three times and waited on hold for over 20 minutes each time. After finally being connected with a person, I learned my payment was short. That person was unable to change the account settings to start mailing paper notices. 

I went to their website and logged in, and changed the communication settings to receive notices by mail. I attempted to make a payment for the additional {$50.00} due, but their website would not permit me to make the payment. It would only permit me to make a full mortgage payment without reduction for the nearly full payment they have held in suspense. This is effectively charging me my mothly mortgage payment twice. 

I am highly disappointed in their service ( or lack thereof ). I look forward to my loan being bought by another servicer in the future and I do not want to continue doing business with this company.
Product: Debt collection

Dyck O'neal currently has numerous complaints with the XXXX  for reporting inaccurate information to consumer reports. In XX/XX/XXXX Dyck O'neal added a {$18000.00} collection debt to my XXXX  and XXXX credit report for a debt that was paid off in XX/XX/XXXX, per my credit report ( see attached ). 

In an attempt to circumvent the system Dyck Oneal reported negative outdated information from XXXX as NEW information in XXXX, which is a direct violation of the Consumer Fair Reporting Act. Negative information that is more than 10 years old can not be reported on credit reports. 

This inaccurate information has been disputed with the Dyck O'neal and both credit reporting agencies but has not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Santander autho consumer USA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm not able to find my credit report or know my fico score. I am trying to build my credit because I've never in my life applied to receive a credit card and want to know if I'm eligible. I can't get the information I need. I looked on been verified and it tells me I'm I need to know. I was trying to make an inquiry about my credit score and fico. When I would type in my SSN, It would tell me that's a SSN for another person.
Product: Debt collection

I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over {$4000.00}. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someone else, but they keep referring me back to the same person and noone seems to care to assist me. today I have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to XXXX TransUnion, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 Except as otherwise provided in this section, 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 receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,