23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # XXXX ...?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Equifax Credit Reporting Agency with an Affidavit for Identity theft. Requesting for a fraudulent account to be removed from my credit profile. Resulting in a negative impact on my credit report. Equifax has failed to comply with the Fair Credit Act for victims of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE XXXX  XXXX XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.
Product: Money transfer, virtual currency, or money service

I checked my cash app transactions In XX/XX/year> and saw 7 fraudulent transactions Amount of Fraudulent Transactions 1 ) {$260.00} 2 ) {$140.00} 3 ) {$130.00} 4 ) {$210.00} 5 ) {$210.00} 6 ) {$230.00} 7 ) {$230.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right to privacy.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 accounts without my written instructions. Furthermore, these accounts is inaccurate and should be removed.
Product: Debt collection

I disputed a medical bill that was in my credit report. I got served with papers about being sued for 2 medical bills. One was for my daughter who was XXXX at the time and the other was for my daughter who was covered by a form of XXXX called XXXX plus. I called the collection agency called professional finance and explained the situation. They said just get a letter from XXXX XXXX XXXX plans and send it in showing she was covered and i was told I would not have to provide an answer through the court. I requested the letter end of XXXX and It took a couple of weeks to come in. I emailed it on XX/XX/XXXX then I called them. They said they received it and would get back to me. I didnt hear anything back so I called back several times and left voicemails. I then received a letter in the mail about court being in XXXX I called them again and was finally able to get through they stated they received the proper paperwork and they dismissed my daughters medical charges who was no longer a XXXX and they were still working on the other one even though it had been 3 weeks since I sent in the proof. About a week later I noticed it was off my credit report so I thought it was taken care of. Then XX/XX/XXXX i got a deferred judgment letter saying they were granted the judgement. I called again and was told I owed {$350.00} ish dollars that included {$160.00} in court fees. I explained the situation then was told she would email the head of legal department and that I should be good. I called again the next day and was told still no response call back on Monday. This is very frustrating to me and I am a single parent income household. I did everything I was asked to do and still ended up with it this outcome. Im very frustrated.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX**** Balance Owed : {$30000.00}
Product: Debt collection

The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. 

The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call.
Product: Credit reporting or other personal consumer reports

I want to address the erroneous listing of accounts marked as late payments on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer, these accounts are being inaccurately portrayed as delinquent. Why are you reporting me late on XX/XX/2022 when the other bureaus are reporting me as paid? How are you reporting that wrong?
Product: Credit reporting or other personal consumer reports

remove all fraud addresses from my consumer report, immediately! 
( see attachment )
Product: Credit reporting or other personal consumer reports

Early in XXXX of this year ( XXXX  ) my wife was involved in a collision that resulted in our XXXX XXXX XXXX being " totalled '' by an XXXX prior to the end of that month. XXXX was notified of this prior to the end of that month and the vehicle was released to them. The following month ( XX/XX/year> ) XXXX ( XXXX ) contacted me to say we owed our XXXX payment. After discussing the issue and that our payment for XXXX was made, they agreed that the remaining balance should be covered by their XXXX  insurance policy which we had purchased thru XXXX when purchasing the vehicle. 
Approximately 2 months later we began receiving letters from XXXX that we owed a balance of XXXX dollars. I called and after lengthy phone conversation they agreed that since the XXXX  insurance was through their own company they would resolve this and I should consider the matter resolved. 
About XXXX we received more mail stating that we owed a final monthly payment on the vehicle and the remaining balance of XXXX on the vehicle. After another lengthy phone conversation with their collections and also their finance departments. They stated that they would reach out again to their XXXX  insurance department to resolve the unpaid balance on the vehicle. In XXXX I was notified by TransUnion that XXXX was reporting XXXX missed payments that had affected my XXXX XXXX. 
I called XXXX again and they stated that they had not received correspondence from the XXXX  insurance department since XX/XX/XXXX and that I should reach out to them to get the payment resolved. I reminded the XXXX representative that this XXXX  insurance was through their own company. After being put on a lengthy hold, the rep said they had contacted the XXXX  insurance and I should consider the matter resolved. 
Today I received a letter from a collection agency attempting to collect payment for XXXX for the remaining XXXX balance on the XXXX. 
After 8 months of phone calls and fighting with XXXX I wish to lodge a complaint, I'm at a loss as to how to resolve this problem. Communication with this company seems meaningless and a waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX XXXX XXXX, I never got any financing from this company or shopped a car with them. 

In accordance with the fair credit reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is listed on my credit report. The report doesn't even list the correct dates ( which makes the balance look never and lower my scores ), but that is irrelevant since the entire balance is invalid since I am a Medicaid recipient and Medicaid recipients are not allowed to be billed for non-covered services unless the provider tells the patient before the service is rendered and the agree in writing to this service, which I did not do. I even asked for the service to be pre-authorized, which it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

2009 Bk is now 10 years old. Equifax and XXXX refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus.

It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from Equifax and XXXX.
Product: Debt collection

I was taken to court for a car loan.it ran 4 months and engine light was XXXX they found fleet in favor of the plaintive. They put a rate of garnishment on my bank account of my savings and checking. Also went into mother account. Co-signer. Only took XXXX. My bank says XXXX. They old keep us worth 4. Trying to call my job, pretending to give me to get direct deposit so they can garnish that. They will not talk to me and being very difficult. 
Lawyers for veros credits and they also sent the first letter of garnishment way after the fact that I got the letter
Product: Credit reporting or other personal consumer reports

. This request is made pursuant to XXXX XXXX. XXXX ( a ), which provides protection for victims of identity theft. The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX SPS servicing took over my loan from XXXX. XX/XX/XXXX I had to do a hardship relocation for work. My house was put up for a short sale and I got behind on payments due to an illness and having to pay rent and a mortgage payment at the same time. Is it vies by XXXX XXXX real estate agent not to make my payments if I was going to have my house up for a short sale. XX/XX/XXXX nobody had been approved for financing to move into my house so I went ahead and move back to my home in XXXX Washington and I made up the payments that I had missed through SPS financing. SPS financing told me that they had my first and second mortgage. At mortgage was {$13000.00} approximately. They told me that that had to be paid off before all the other stuff is paid off. As I was sending money to SPS servicing I was under the impression I was paying off my second mortgage {$13000.00} and then making up for my late payments and total I gave SPS servicing around {$30000.00} in XX/XX/XXXX to XX/XX/XXXX I move back to XXXX Washington and move back into my house. Years have passed and I 've been told when financing for a car and other things that SPS servicing never paid off that second mortgage. In fact they switched my loan over to XXXX XXXX XXXX right away after I had given them all the money that they told me to send them I have asked XXXX XXXX XXXX for all the data that they have but they have not sent me anything. In XXXX XXXX and XXXX XXXX XXXX, Now state i did n't pay off my second mortgage to them through SPS. ? Where did all my money go that I gave SPS servicing? I paid all of my back mortgage payments and let mortgage off to SPS servicing in order to be eligible for the harp loan. These companies wo n't send me the data and they are of real-time servicing has put a XXXX lien on my home. How is this legal? I 'm a United States military service member in the XXXX. I Am making a complaint against the company SPS servicing, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I honestly believe they committed fraud against United States military service member probably many more. And SPS servicing told me i had to pay off everything my back payments and my second mortgage in order to qualify for the harp loan. Now XXXX XXXX XXXX saying that SPS servicing did not pay off my second mortgage. Where did all the money go that I gave SPS servicing?
Product: Debt collection

Last XX/XX/XXXXeye opened checking and saving account per directives by XXXX XXXX of XXXX XXXX ca in response to his offer that eye accept business opportunity as mystery shopper and then XXXX XXXX brought to my door repeatedly postal money orders for deposit and withdrawal to send money by money gram. eventually US bank of XXXX started saying that the deposited money orders were fictitious and now they have closed my accounts and say that eye owe them over four thousand dollars. Eye have contacted both the CIA and the FBI besides the inspector general about the matter and have had no response. The money orders have not returned to me, just copies had been mailed. XXXX XXXX
Product: Credit card or prepaid card

1. XXXX, XXXXMultiple attempts to pay off XXXX Credit Card ( XXXX via XXXX ). Confirmed complete via call center operators.. Account # : XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX passed away. 
3. XX/XX/XXXX, XXXXFinal payment sent for oustanding payment installments of {$60.00} 4. XX/XX/XXXX, XXXX cashed check acknowledging final payments sagainst account 5. XXXX, XXXXResurgent " bought '' debt from XXXX and began harrassing phone calls and letters trying to collect ONLY accumulated Interest and late fees of {$290.00}. There are NO outstanding products with payments due since XXXX. Again, Resurgent is claiming we owe on interest and late fees only through XXXXXXXX XXXX 

This is harrassment to an already grieving family and we request help to cease and desist.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am at my wit 's end with your inability to handle the clear and obvious fraud on my credit report. Despite multiple attempts, you have failed to remove the fraudulent accounts and inquiries that I did not authorize. Your lack of action is both negligent and illegal. This is my final demand before I sue you. 

Fraudulent Accounts to be Removed Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries to be Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And many more previously disputed .

Legal Violations and Consequences : Your refusal to act violates : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N These laws mandate that fraudulent accounts and inquiries be removed promptly. By ignoring these regulations, you are exposing yourself to massive liability.

If the fraudulent accounts and inquiries are not removed within 7 days, I will take you to court and seek {$1000.00} per violation, plus {$10000.00} in damages for emotional distress and hardship. I will also escalate this issue to the CFPB and FTC, which may result in further penalties for your company.

This is your final warning. Comply with federal law, or face the consequences
Product: Checking or savings account

fraud transaction XX/XX/XXXX XXXX XXXX, business to business act csi - payments XXXX. XXXX fresh product {$700.00}
Product: Debt collection

Last year or so I received a collection account on my credit by ARS Account Resolution in the amount of {$430.00} without notification and in which I have no knowledge of. I disputed the account and it was removed from my credit report. This past XXXX the account was placed on my credit report again without warning/notification. I have not received any type of communication from this company regarding this debt before the account was placed on my credit report. <P/>I tried to have the company to validate the debt in which to this day I have not received any type of correspondence. I 'm receiving notifications that the debt was removed from my report only to be added back shortly after.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> Vystar Credit Union merged with XXXX XXXX. At that time, I had an auto loan through XXXX XXXX. Subsequently, Vystar Credit union began reporting to the credit bureaus that I had an open auto loan with them that was open and active, at the same time XXXX XXXX was also reporting the same car loan to the credit bureaus as open and active. This resulted in my auto loan reflecting twice the actual balance. 

When I became aware of this issue, I contacted Vystar via telephone requesting they correct the inaccurate reporting. I informed them of an imminent large credit application I had coming so time was of the essence to correct the matter. I was assured they would contact me back within the week and get it corrected. I was also told, I could not speak with the credit reporting department, and that my only option was to wait for the customer service representative to call me back. 

Over a week passed and no response as well as no corrections to my credit report. I contacted Vystar again to follow-up. Once again, I was told the same thing, only this time I was told they would call me back by the end of the day. I also asked for a letter or email to send to my perspective creditors to confirm the inaccurate information was an error and Vystar was correcting it. I was told they could not do that, I just had to wait for a call back. Well, no surprise, that call back never happened. The inaccurate information is still reported on my credit reports. 

I ultimately completed the application for credit that I had informed Vystar was imminent. I received a higher rate due to my debt to income ratio directly due to Vystars inaccurate reporting. 

This behavior is completely unacceptable and has directly cost me thousands of dollars in additional interest charges directly as a result of their inaccurate reporting. 

This bank has a track record of sloppy compliance which has resulted in consumers paying the cost. I would be very concerned that other XXXX clients that were forced to become Vystar members are being similarly impacted. 

I will be contacting an attorney to see what my legal options are. But this is a matter that should be so easily remedied, Vystar just does not care.
Product: Credit reporting

I am filing this complaint because Experian has not complied my request to provide documents that their company has on file to verify the accounts that I have disputed. It is past the 30 day mark, and Experian have not been verified these accounts properly, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified by XXXX that a dormant credit card had recently been reactivated. A XXXX XXXXComenity card with my name, but a different address was used to make a purchase of {$5900.00} on XX/XX/XXXX. I have a XXXX XXXX card that has not been used since XX/XX/XXXX. My credit report now has this fraudulent charge and address on it. On XX/XX/XXXX, I contacted XXXX XXXX/Comenity and XXXX to report the fraud on my credit report.
Product: Credit reporting or other personal consumer reports

This was my follow up about my previous complaint. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any form of automated verification.
Product: Student loan

I went to XXXX in XX/XX/2008. I was charged a total of around10,000. My loan was split up into 4 or possibly 5 different loans. I paid off 1 that was a total of XXXX I got them to let me pay it for XXXX. So now I just owe my bank. I have another one that's XXXX? interest? I understand I was in forborence for quiet some time. but is that legal to let your charges get that high.

I paid for several yrs XXXX sometimes less sometimes more. never seem to go down. they always had an excuse why. I want answers not excuses. im willing to pay but c'mon.