23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

carrington mortgage the servicer apparently hired a company named XXXX XXXX in Massachusetts who taped a letter to my door that was not placed in and envelope that displayed my my mortgage account number and another duplicate notice was picked up near the street not in and envelope with my account information.the letter stated XXXX XXXX has apparently been hired by Carrington Mortgage because borrower was not responding .THAT IS UNTRUE AND A FLAT OUT LIE!! borrower rep HAVE BEEN IN CONTACT WITH CARRINGTON .i have definitive proof and evidence to the contrary of what is stated in XXXX XXXX letter/ Carringtonhas been contacted BY PHONE EMAIL AND CERTIFIED MAIL .XXXX   XXXX HAS ALSO TRESSPASSED ON MY REAL PERSONAL PROPERTY WHERE IT IS CLEARLY MARKED AND SIGNED NO TRESSPASSING .THERE IS ALSO A NO TRESSPASSING SIGNED CLEARLY MARKED ADJACENT TO THE DOOR WHERE APPARENTLY SOMEONE WORKING FOR XXXX   XXXX ILLEGALLY ENTERED PROPERTY AND TAPED ONE OF THE MESSAGES, CARRINGTON ALSO HAS A MAILING ADDRESS THAT THEY WERE INFORMED OF VA CERTIFIED MAIL BACK IN XX/XX/XXXX.BORROWER ALSO LIFTED CEASE AND DESIST FOR CARRINGTON WEEKS AGO FOR PURPOSE OF NON COLLECTION MATTERS TO DO WITH ACCOUNT, THIS IS BECOMING HARRASSMENT AND ILLEGAL FORECLOSURE METHODS TO DO WITH PRIOR COMPLAINT THAT CENTERED AROUND RIGHT TO CURE .THESE TACTICS ARE GOING TO LAND THESE 2 ENTITIES INTO SUPERIOR COURT INJUNCTIVE HEARING REGARDING OTHER ASPECTS OF THIS CASE REGSRDING ILLEGAL FORECLOSURE AND CRIMINAL TRESSPASS ON REAL PROPERTY.THEY KEEP SAYING THEY WANT TO WORK THINGS OUT BUT APPLY PRESSURE IN THESE WAYS DESCRIBED AND RARELY ANSWER COMPLETLY BORROWER CONCERNS
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX or XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Ive Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE EXPERIAN XXXX XXXX AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and equalifax I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also total XXXX XXXX  XXXX XXXX  account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXX XXXX XXXX XXXX  does not own this collection, but still showing that they do. 
XXXX XXXX  I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020
Product: Credit reporting

I am attempting to remove a security freeze from my consumer account. I have my pin in hand however the XXXX systems do not accept my basic information and no other means to resolve the issues are apparent. I have contacted the company and was given a bogus number for the 'freeze department '. I have submitted a letter as well.
Product: Vehicle loan or lease

Hyundai Motor Finance Company. The amount when first bill came was {$15000.00}. Payments are {$220.00} principal and interest. Every month for the last 14 months I have been paying {$300.00}. Which is {$73.00} over payment amount which was to go towards the principal of the loan. After a few payments I noticed the monthly amount was not changing like I thought it was suppose to. Called the company and I thought it was taken care of that the {$73.00} would now go towards the principal. This last payment I started adding things up and it still was not right. Call the company back again, they have been taking additional off the top of the {$73.00} and then applying the leftovers to the principal and then they tell me they can only go back 90 days to correct the problem and I have to call them every month to let them know to apply the {$73.00} to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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
Product: Money transfer, virtual currency, or money service

i made a purchase online on XXXX  on XX/XX/year> of a purse the seller request the money to be pay by XXXX of {$750.00} i send the money but never received the item, i called wells fargo and basically they say theres nothing they can do, i also made a report with the police of port XXXX  XXXX, but theres nothing much they can do, Thank you
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, I made XXXX, TransUnion and XXXX aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXX. XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I am receiving correspondence from XXXX and XXXX. XXXX is a blogging company and they are doing business of XXXX law firm with this company without representing that is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve the issue with this company via written communication as is my right via email. The company continued to ignore my requests and would only reply with " Call this number '' ( examples attached ). I notified XXXX XXXX & XXXX XXXX ( Third Party Debt Settlement Specialists ) on multiple occasions that I do not consent to my voice being recorded, and these individuals continued to insist on me calling their recorded line. They made no good faith effort to assist me with my issue. The issue at hand is the companies FCRA violations. I have no contract with this company. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I am aghast at this companies violative business practices. Not only does this company have no contract with me, they have no permission, but they are also reporting inconsistently on my consumer reports ( attached ). As a consumer, under the FCRA I am entitled to maximum accuracy on my consumer reports. This company has defamed my character, harmed my financial reputation, and is unwilling to work with me in good faith. Attached will be proof of not only my attempt to work with PRA Group, but also the federal violations. This alleged debt obligation has been on my consumer report for multiple years. I have been denied multiple extensions of credit because of this account. These denials are a direct result of this account being on my report illegally. As mentioned in 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. This company has a long history of abusive practices as can be seen by the complaints not only on the XXXX  but also the CFPB. The CFPB has taken action against Portfolio Recovery Associates in the past for the same exact thing that is happening to me currently. There is no excuse for their action as they have been in business for over 30 years and ignorance of the law is not an excuse.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 4 roundtrip tickets to XXXX XXXX set to leave from XXXX XXXX XX/XX/XXXX from XXXX. Due to my husband being XXXX XXXX military, his command canceled his leave due to the coronavirus end of XXXX early XXXX. 
I requested a refund, which XXXX said I could either get a credit or partial refund. Over the next few months, I called and was on hold for 2 hours before a rep answered just to tell me he couldn't help me. XXXX said it would take 3 months for the refund. So far, it's been almost 6 months. Not only was travel pretty much shut down during this time due to the coronavirus, I kept getting notifications from XXXX about my flights being canceled, so either way, they should pay me back my {$2700.00}. 
I knew they weren't going to help me because every reply was a generic, computer generated reply. I contacted Barclay to dispute the charge. The sent me a letter saying that they decided in favor of XXXX, without any explanation or proof. I replied with more documentation that showed that they had promised I would get a refund. Barclay then sends a letter saying that they " can't find a transaction from XXXX ''. I then went online to print out my statement with the XXXX charge, I circled it, and I faxed it back to them AND mailed them the hard copy. This has been over a month, and I have not heard anything back. 
Barclay has been allowing merchants to take advantage of their customers by not providing the consumer protection they advertise.
Product: Credit reporting or other personal consumer reports

I never authorized these 3 companies the rights to pull my credit. I don't recognize any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified Experian I was the victim of identity theft a year and a half ago and had locked and frozen my credit at that point. This weekend I had received notifications that my file was unlocked and there were applications that resulted in credit inquiries today. I called Experian and found out that my entire online profile had been taken by a fraudster they had changed the security question, email, and phone number leaving me with no access to my account with no contact from Experian. I have 2 active monitoring services and thanks to them I was able to catch this. I tried to question Experian on the changes made to the account and they had no answers other than it was a hack, how a credit reporting agency would accept substantial changes from a known fraud victim without a single question is beyond me. I have mailed and faxed them the identity verification bbut in the next 30 days that it takes them to validate I am myself I have no control over my own credit report and am unable to get a copy if I tried. I just feel they must be held to a higher standard as a financial institution of their size and influence or they will hurt other consumers badly. I had 2 applications come in this morning because this bad actor was able to unfreeze my credit and apply for a loan on a XXXX and an XXXX XXXX XXXX
Product: Vehicle loan or lease

They have reported my payment late for XXXX, XXXX, XXXX, and XXXX of 2021. I filed BK and I reaffirmed this loan and made all my payments on time. They need to update my credit report ASAP this is hurting my credit score and I was not late.
Product: Credit card or prepaid card

I have a Chase Amazon Prime account. I have tried multiple times to sign up for automatic payments. I thought that the company had accepted my information an would process the payments each month. However, they didn't. Now the are charging late fees to my account and wrecking my credit rating. I have not had this level of difficulty with any other credit card. I have paid more in late fees than I have actually charged on the account and they also charge interest on the late fees and take away any points.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to remove any inaccurate accounts from my credit report. Can you check the documents? Several accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

Collections is not suppose to have a balance because the creditor sold the debt for is a violation SEC for securities fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( b ) ( XXXX ) XXXX XXXX XXXX ( c ) Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account name NATIONAL CREDIT SYSTEMS Account number XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint regarding inaccuracies that have appeared on my credit report maintained by Equifax, XXXX, and XXXX. I have been deeply affected by multiple data breaches over the years, most notably the XXXX XXXX breach in XXXXXXXX XXXX XXXX  on XX/XX/XXXX, the Equifax breach in XX/XX/XXXX, and a recent incident on XX/XX/XXXX. 

These breaches have unfortunately compromised my personal information, resulting in fraudulent charges on my credit cards and unauthorized access to my bank account. In an effort to protect myself, I have had to open a new bank account, which has been both time-consuming and distressing. Despite my ongoing efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, particularly concerning items I have disputed as fraudulent. 

I am reaching out to the Consumer Financial Protection Bureau in hopes of obtaining guidance on how to rectify these inaccuracies. I firmly believe that the data breaches I have experienced are directly linked to these discrepancies on my credit report, and I am eager to resolve this matter. I am more than willing to provide any proof of the fraudulent charges and the impact on my bank account that may be necessary for your review.

It is essential for me to maintain an accurate credit report, as it significantly affects my financial well-being. I respectfully request your assistance in addressing these matters and helping me navigate the necessary steps to achieve a fair resolution. 

Thank you for your attention to this pressing issue. I look forward to your guidance on how to proceed. 

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

I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND PROVIDE ALL INFORMATION TO MY SERVICER, THEY HAVE REPEATEDLY REQUESTED FOR MY TAXES WHICH I HAVE CONFIRMED ON EVERY CALL THAT IT HAS BEEN RECEIVED. 

I SPOKE TO A SUPERVISOR WITH THE TELLER ID # XXXX AND WENT OVER THE TAXES WHICH WAS CONFIRMED RECEIVED. I HAVE LOST MY XXXX 'S SO I HAD TO REQUEST TRANSCRIPTS FROM THE IRS WHICH CLEARLY STATES THAT I FILED XXXX TAXES WITH MY NAME AND SS #. THE SUPERVISOR I SPOKE TO DIDNT KNOW HOW TO READ TRANSCRIPTS BECAUSE I WAS TOLD MY NAME WAS NOT IN IT SO I HAD TO POINT IT OUT, THEN STATED MY SS # WAS NOT ON IT SO AGAIN HAD TO POINT IT AND LAST QUESTION SHE ASKED WAS I DONT SEE THE TYPE OF TAXES YOU FILED SO AGAIN POINTED OUT WHERE TO LOCATE IT. I CANT BELIEVE THAT A SERVICE OF MY LOAN DOES NOT KNOW HOW TO READ TRANSCRIPTS.. THIS IS MY HOME AND THEY ARE IN CHARGE OF MY LOAN, XXXX HELP US ALL. THIS IS WHY XXXX HAPPEN DUE TO CFPB AND FTC NOT REGULATING WHAT THE LENDER IS REALLY DOING. THIS IS SO ABSURD THAT I HAVE TO EXPLAIN TO THEM HOW TO READ TAXES!! I WAS NOT IN FORECLOSE UNTIL XX/XX/XXXX AND THESE TAXES HAVE BEEN CONFIRMED RECEIVED SINCE XX/XX/XXXX WHEN I FIRST APPLIED. CARRINGTON MORTGAGE HAS PLACED ME IN FORECLOSURE WHILE I HAVE BEEN IN COMPLIANCE WHICH MEANS THEY ARE NOT IN THE BUSINESS OF SERVICING THE LOAN THEY ARE IN THE BUSINESS OF TRYING TO FORECLOSE ON PROPERTIES FOR THE INVESTORS THAT HIRE THEM. 

I JUST SPOKE TO XXXX XXXX ID XXXX WHO CONFIRMED AGAIN THAT THE TAXES ARE THERE AND SHE SEES THE NOTES OF THE PREVIOUS SUPERVISOR TELLING THE INTAKE TEAM WHERE TO LOCATE LEGAL DOCUMENTS PROVIDED BY THE IRS WHICH THEY ARE IGNORING AND DOING WHAT THEY PLEASE. MY ASSIGNED POINT OF CONTACT XXXX XXXX ID XXXX
Product: Mortgage

I have repeatedly made privacy elections and limited the types of solicitations my mortgage company, Mr Cooper, sends me. I have even submitted a complaint to CFPB about it. Mr. Cooper always does the same thing. They lie and claim " our system isn't showing you've opted-out of these communications '' - I opt-out and they say they've updated their records. Then a few months go by and again they start sending me solicitations and refinance offers. They do this by mail, and every single time I log into the website to make a mortgage payment. Screenshots of both are attached. These are predatory lending tactics. I am current on my loan. I have a good rate and an affordable monthly payment. However, since this isn't lucrative to the mortgage company they think it is appropriate to spam me with " offers to refi. '' If they are doing this to others, they may get people to refi their mortgages when there is really no need. They are preying on people, violating people 's privacy, and lying about honoring privacy opt-out requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX