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

I would like to report this incorrect late remark that shouldn't be in the report. 

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

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6300.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Checking or savings account

I was trying to do a XXXX transfer from my Truist account in Florida to my XXXX account in Illinois where I now live. It was flagged as fraud and they locked my account. I called and they wanted to verify my phone with a code. They said a " third party '' service said my phone wasn't in my name. This is correct. It is in my daughter 's name. So, they locked my online access even though I told them it wasn't fraud. There was no reason to lock my account. They refused to unlock my account. They said I have to do that in person. I live in XXXX, IL. The closest branch is somewhere in Kentucky. I am XXXX XXXX XXXX and no longer drive. They will not allow me online access to my account now. I have over {$6000.00} in their bank and I can no longer see my account online or make any online transactions. This is unacceptable. I told them it wasn't fraud, but they refuse to allow me access to my account online. I don't understand how they can do that. It isn't their money, and I explained that there was no fraud, that it was their mistake, but they still won't allow me access.
Product: Credit reporting or other personal consumer reports

This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately last week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or updated immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i requested a description of the procedure EQUIFAX used to determine the accuracy and the completeness, including the business name, the address of the furnisher of the information contacted, and something bearing my wet signature to validate the accuracy of these inquries that has been wrongfully placed on my consumer credit report.XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. this credit reporting agency has violated my rights under FRCA .EQUIFAX HAS STATED THAT THESE WERE INDEED FATS I DEMAND TO KNOW WHAT STEPS THAT WERE TAKEN TO CONCLUDE THAT THESE INQUIRES are FACTUAL..the violation listed are:15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings XXXX ( 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. 
( b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Account # XXXX. 
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 instruc tions. 15 U.S
.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furniture was removed at our request so that XXXX XXXX could put her furniture there. Now they are trying to charge us for the furniture that they removed. Now they have me, XXXX XXXX XXXX, and ; XXXX XXXX in collections. We went there and they told us to submit an affidavit and the matter would be resolved. 
They have new management there since the incident. Now no one will respond when we ask what to do next. 
After trying several times to resolve incorrect credit reporting on my credit report, I went to the place to try to resolve the issue. They told me to submit an affidavit. We did that Im sending the copies to you and now they fail to respond when we ask them what are the next steps. 
I am XXXX XXXX XXXX. The student is XXXX XXXX. Her mother is XXXX XXXX. The mother and daughter were there when the furniture was removed that they are trying to charge us for. 

Thank you.
Product: Mortgage

On XX/XX/2020, Specialized Loan Servicing ( SLS ) assured us verbally and in writing that they would flag our records, so that SLS would suspend the foreclosure process. We were assigned a Relationship Manager that continued to tell us that they would work with us " until all available mortgage relief options have been exhausted. '' We have remained in close contact with SLS since that date. On XX/XX/XXXX andXX/XX/2020, we received the amounts for payoff and reinstatement from SLS.respectively. 
Since that time, we have actively pursued any/all options to address this 2nd mortgage with SLS, again, keeping them informed of our activities pursuing lenders to either payoff the 2nd, or completely refinance the 1st and 2nd. We successfully found a lender to work with us at the  beginning of XXXX and informed SLS of who the broker and lender was to reflect our ongoing efforts. Again, SLS assured us that they would work with us and to not worry about them continuing with the foreclosure process. 

On the exact same date ( XX/XX/2020 ) that our title company requested payoff information from SLS, they initiated the paperwork to record the notice of default ( recorded on XX/XX/XXXX ). This has now completely suspended work on our already approved loan. Our appraisal has been completed, we have a certificate of loan approval from the lender, and were 10 days from closing our loan. SLS chose to file the Notice of Default knowing that we were pursuing this loan, and although we have been transparent with our communications to them, they have acted maliciously near the end of our loan closing to hamper our ability to obtain our funding. 

We have requested SLS to remove the Notice of Default long enough for us to close our loan, but they refused. We are requesting CFPB to assist us with SLS as it appears that they will continue to take advantage of us as we attempt to end our mortgage with them. 

We want SLS to remove the NOD for 30-60 days, so that we may complete our loan. Please note that our original loan in XXXX was {$25000.00}, reinstatement amount is {$35000.00} as ofXX/XX/2020, and the payoff amount is {$56000.00} as of XX/XX/XXXX. We question the payoff amount being over {$21000.00} over the reinstatement amount as well. Thank you for your support and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS AN UNIQUE PROBLEM I HAVE TRIED TO GET THIS RESOLVED WITH THE CREDIT AGENCIES, BUT THEY REFUSE TO REMOVE THE BANKRUPTCY FROM MY REPORT. I FILED ON XX/XX/2019 AND HAD IT DISMISSED ON XX/XX/2019. CASE NUMBER XXXX. MY CASE NEVER WENT THROUGH THE FULL PROCESS, I FEEL THAT I SHOULD NOT BE PENALIZED BY HAVING THIS REMAIN ON MY CREDIT REPORT FOR SEVEN YEARS, BECAUSE I WAS ABLE TO PAY OFF ALL OF THE BILLS. I AM ATTACHING DOCUMENTS SHOW THAT THE CASE WAS DISMISSED AND I DID NOT COMPLETE THE FULL PROCESS. I HOPE THIS WILL ALLOW THIS BANKRUPTCY TO BE REMOVED FROM ALL THREE REPORTING AGENCIES. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Portfolio has consistently refused to remove incorrect information from my credit reports even though I have ask them several times. They have sent several " verification '' documents to my house but they are insufficient. This is time barred debt and the date of first delinquency is over 7 years. I have enclosed what they are reporting on my reports and also I have enclosed what they are sending me as " verification ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan depot is consistently reporting 120 days late each month to XXXX XXXX and XXXX. I have not stopped paying them. The comapany has taken upon itself to stop with drawing the monthly payment from my account. I initially contacted them in XX/XX/XXXX and again on XX/XX/XXXX. I was told by their representive that they had changed over to a new electronic system and are having problems identifying my account. I am requesting that they amend all reports of late payments since XX/XX/XXXX. Not only is loan depot reporting fradulent information it has caused me from getting a home loan. 

I am requesting that CFPB help with this matter. As a home loan contingent upon resolving this problem. 

Thank you,
Product: Debt collection

I for the first time leased a phone from XXXX.I had been a customer and swore by them being the best ... until they treated me in professional, charging me for a broken phone that off & on from XX/XX/XXXX ... They did n't want to fix their phone bcuz it has had a warranty on it by XXXX ... They would not help me at All ... I had to go to XXXX XXXX to get a phone # ... .So I sent the phone back to them and received it the end of XX/XX/XXXX it is still not working ... Do now XXXX nor XXXX are returning my calls no one is listening to me at XXXX..I had to remove everyone off of my account ... .I am on by myself and they are charging me for a broken phone, I had someone finally reach out to me & put me through to someone who knew that there were broken teeth on the mother board, he was sending me a replacement phone bcuz I could n't break the phone it was internally broken. 
So I received two letters one said I had a month left to pay the bill I have stood my ground that my phone is broken and need someone too listen and assist me Second letter gave two months so it would carry me through the end of contract ... They stressed me out to the point where my XXXX XXXX was XXXX ... So I told them you are charging me for a broken phone, a replacement phone that does n't work either bcuz the phone # is on restriction so I have been charged for a BROKEN PHONE, NO SERVICE SERVICE TO REPLACEMENT PHONE & I caught up with anything I owed from XXXXXX/XX/XXXX ... .So BASICALLY they were charging me {$750.00} a month With no service, on the broken or replacement PHONE They never turned on ... So after my contract ended I started with another company explained everything I needed them to know .... 
Thank You for allowing me to vent & put everything that I could SHARE ... It is a Very hard time even to getting me SICK I never have dealt with careless people ...
Product: Credit card or prepaid card

During vision XXXX, I signed up for an Alpheon Credit Card in order to take advantage of a promotion. Both the medical practitioner as well as the credit company represented to me that this promotion would allow me to pay the balance of my XXXX costs ( approx. {$4000.00} ) interest free over XXXX years. 

Thereafter, every month, I would receive an email reminding me that I had an upcoming payment. I was expecting to make such a payment on a monthly basis and understood that they would have divided the {$4000.00} balance owed over a period of 36 months and charge me for that amount each month. 

My vision XXXX was in XXXX. My expectation was that the payments would continue until XXXX. When I last checked my account, I realized that the the company had started charging interest in XXXX, including a lumpsum interest in the amount of $ XXXX in XX/XX/XXXX for failing to pay off the balance of the card. Thereafter, Alpheon began charging monthly interest in the amount of $ XXXX every month, even though I believed that I was still on the promotional timetable. 

My understanding is that Alpheon, both in making the initial promotion, as well as during the course of the promotion, intentionally and/or fraudulently made representations that were untrue regarding the terms surrounding the promotion. Alpheon also failed to keep me apprised of the status of the payments, or that interest was being charged. Furthermore, Alpheon failed to warn or otherwise make clear that a lumpsum interest payment ( accrued as of that date ) would be charged if the balance on the card was not paid off by a certain date. Alpheon had my email and phone number, and failed to make any reasonable effort to clarify and/or explain the upcoming charges. It is my belief that Alpheon intentionally attempted to make difficult to assess or otherwise concealed the interest charges in the hopes that consumers would not notice. 

Had I not confirmed and calculated the remaining amounts owed on this account, it would have taken me 15 years, making the minimum payment, to pay off the balance, and Alpheon would have charged nearly {$6000.00} worth of interest on top of the initial cost of the procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information with XXXX, and Experian with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that Experian and XXXX  continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can XXXX  and Experian say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : # XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; US DEPARTMENT OF EDU XXXX XXXX XXXX : XX/XX/XXXX ; XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX.
Product: Vehicle loan or lease

This loan is for an auto that has been disputed several times with XXXX I dont feel this should be on my report
Product: Debt collection

Sent information about XXXX and Reliant Capital Solutions validation of debt responses. 

Made, I believe two errors, " Scholl '' and " XX/XX/XXXX '' ... I did not proofread before submitting, but not only standby the statement as I assume it still clarifies my point about a document signed by someone other than myself. 

The " Scholl '' error should read as " School '' and the " XX/XX/XXXX '' should reflect " XX/XX/XXXX ''. Either way the structure and grammar was used is still foundational and valid towards the point of being on campus to sign a document in XXXX regarding a XXXX XXXX dollar debt. 

First validation effort had a thirty day window to resolve and extra time was given nonverbally due to COVID crisis. RCS requested validation of debt and it at first was not mailed to consumer at all, but also did not get addressed in full until XX/XX/XXXX. 

Third validation off debt attempt provides supportive documentation regarding document, stated to be signed in person by the natural person, " Promissory Note '' in excess of four thousand dollars, yet school records indicate no agreement by consumer and school to resolve matters in person and additional documents can support alibi of geographic location during the time of this document being possiblely forged ( please review bank statement ) RCS states they sent a letter in snail mail regarding validation of debt and nothing has come in the snail mail ever from RCS to XXXX XXXX XXXX and if so, it didnt reach me ... even with a dedicated mailroom and leasing office available for snail mail pickup. First time seeing any itemized statement is XX/XX/XXXX. 

No written agreement for removal of debt for payment arrangements has been tangibly made as of XX/XX/XXXX even though both accountszhould be deleted per both FCRA and FDCPA.
Product: Mortgage

I am paying my mortgage for 10 years. The mortgage is for 25 years. But even after 10 years my principal is still XXXX and interest is XXXX. Moreover I have been charged unreasonable late charges of {$900.00} for each occurrence. I am senior citizen and feel like I am ripped off. This is my life time investment and after 10 years of payments I left with almost same outstanding principle. Please investigate. 
Name of mortgage company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel : XXXX Re : XXXX XXXX XXXX XXXX Loan Customer:XXXX
Product: Credit card or prepaid card

Synchrony Financial sent a letter with a credit card in my name that I never applied for to be activated. I called Synchrony Financial and they requested personal information such as a social security number to continue, to which I declined. I searched my records and found Synchrony Financial 's credit card was very likely issued to me via my Amazon account. Both Synchrony Financial and Amazon have been deceptive : the former in their attempt to get me to sign up and Amazon in failing to disclose they have sold or disseminated my information to a third party.