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

I recently received a copy of my Credit Report and I have never done business with this company nor have I ever received any USPS mail inquiries from this company.
Product: Debt collection

I have been trying to work with Amex on since XX/XX/XXXX. They cashed payoff funds in the amount of {$2300.00} on XX/XX/2019. They claimed they never received funds, even though I have given them copies of the bank statement several times, along with the routing numbers. I have received confirmation that they received the required documentation. There was a second payment made in the amount of {$2800.00}. They have acknowledged that they received that payment and they were suppose to be refunding that amount to me. Direct quote from Amex " The check is in the mail. '' Instead I received a letter that said no refund could be issued be there was no funds in the account. I have multiple disputes opened and closed and opened and closed. I have been transferred from the Closed Accounts, to Customer Service to Supervisors to the Escalation Department and now I am told that it is in the Billing Department and that a Supervisor will call me back. They have screwed up my address on the credit report which is now fixed. They have put multiple marks on my credit report. This is not right.
Product: Mortgage

US Mortgage violated several federal laws. XXXX XXXX, XXXX US Mortgage is in violation of 15 USC 1635 Right of rescission as to certain transactions. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that US Mortgage Corporation is in violation of 15 USC 1605 ( a ) ( c ). XXXX XXXX  is aware and has proof in attachment labelled as Exhibit B that US Mortgage Corporation is in violation of 15 USC 1605. * Fact, Affiant is aware and has proof in attachment labelled as Exhibit C that US Mortgage Corporation is failing to observe a law 12 USC 1431 b. XXXX, XXXX is aware and has proof in attachment labelled as Exhibit A, B & C that US Mortgage Corporation is in violation of 15 USC 1611 *US Mortgage Corporation willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 160 . Additionally, violated 18 USC 1341
Product: Mortgage

XX/XX/23 PHH made double payment for 1st instatement XXXX XXXX property tax that was paid by title company on XX/XX/23. Over a month I tried to get my money back on my escrow account, but PHH said that XXXX XXXX cashed their check, and they still working on getting the money back. PHH is unable to explain why and how it happened, and also when I will get my money back. They said that it completely depends on XXXX XXXX now. Each time I asked to talk to their supervisor, they say supervisor will call me back in 24-48 business hours, but he never calls me back. I spend hours and hours on phone calls without any results. Please Help.
Product: Debt collection

I have sent a cease and desist previously and spoke to someone there about calling friends and relatives pretending to be law enforcement and telling them I was going to jail. This was six months plus ago, before loosing everything in hurricane Harvey. The last week 3 of my relatives and a family friend, received calls from this company saying that they were the district attorney looking for me because they were going to arrest me. One call even threatened that they would be in trouble if why did not give up my whereabouts. I have never not had a cease and desist, and I have asked them to not call and scare my mom and relatives any more. My mom has had a XXXX XXXX and has a XXXX. They are calling her and threatening her. They called my cousin on Monday and disclosed all my personal information and then told her, I was going to jail. This is a terrible form of harassment. Please help. They call at least 9 times a day. To me and my friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. Transunion would not respond to my efforts, the accounts that are fraudulent are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.
Product: Credit card or prepaid card

The company has not given me any answers to my dispute and I want this removed immediately. I am finding almost all history on my credit report is invalid and all done without my knowledge. This application and card was fraudulently obtained and i dont know when or by whom. Im trying to remove all from credit report immediately. Few companies are giving me problems and then I have decided I am going to lock/freeze my accounts so this is unable to happen again. Please remove this card information for me as like I said this was not me and it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by XXXX and Equifax respectively. I had noticed a change in my account balance by XXXX and Equifax. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX XXXX. Subsequently, Equifax simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXX XXXX  is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.
Product: Credit card or prepaid card

This dispute with Citi XXXX XXXX is related to purchases from XX/XX/XXXX. During this time, Citi XXXX XXXX has failed to handle the dispute properly, failed to suspend pending payments during the period, and has been unable to properly handle the issue. 

Several items were purchased from a vendor, XXXX XXXX. Those items were returned but full credit was not received. A credit of {$600.00} is currently owed. 

Previously provided to Citi XXXX XXXX in a letter to Citi XXXX XXXX dated XX/XX/XXXX. 
Evidence of XXXX XXXX orders ( XXXX, XXXX, and XXXX ). 
Return tracking XXXX # XXXX ) with evidence of return on XX/XX/XXXX. 

I have had many calls with Citi. Most recent calls were : XX/XX/XXXX XXXX - Citi has closed the dispute but my concerns were noted. 
XX/XX/XXXX XXXX - Added notes to the case while it was being worked on by another agent. I asked for my last payment to be refunded, as I was receiving bills from Citi even though there was an active dispute. This was not done. 
XX/XX/XXXX XXXX - Hung up on me while waiting for transfer. 
XX/XX/XXXX XXXX Indicated she understood the issue, it would be escalated, and I would receive a call a next day. The call was never received. 
XX/XX/XXXX XXXX I was advised that the case needed to be reopened because it wasnt handled properly by Citi. Dispute was being reopened and I should call back in a few weeks. 
XX/XX/XXXX XXXX I was advised that the case needed to be reopened because the reviewer didnt fully review the documentation. 

Citi XXXX services verbally indicated that mistakes were on their end and this would be corrected. This has not happened.
Product: Credit reporting

FIRST THIS IS NOT A REQUEST FOR ANY FREEZES OR SECURITY ALERTS TO BE PUT ON MY FILE. 

TRANSUNION CREDIT IS IN VIOLATION OF THE FCRA. SPECIFICALLY SECTION 609. I RECEIVED A NEW CREDIT REPORT TODAY AND THERE ARE XXXX ITEMS STILL REPORTING THAT THEY CAN NOT VERIFY BY THE LETTER OF THE LAW. 

1. XXXX. THIS ACCOUNT SAYS IT HAS BEEN CHARGED OFF. I CONTACTED XXXX MYSELF AND THEY COULD NOT LOCATE AN ACCOUNT FOR ME YET TRANSUNION REPORTS IT AS A NEGATIVE ACCOUNT. I HAVE ASKED THEM TO SUPPLY ME WITH THE SIGNED APPLICATION FROM XXXX AND THEY REFUSE, ALL THEY DO IS SAY IT HAS BEEN UPDATED. SECTION 609 OF THE FCRA SAYS THAT THEY HAVE TO HAVE ON FILE THE ORIGINAL SOURCE DOCUMENT TO PROVE VALIDITY OF THE ACCOUNT AND THEY DO NOT HAVE IT AND YET THEY KEEP REPORTING IT TO SIMPLY HURT ME FINANCIALLY. THEY ARE BREAKING THE LAW. 

2. XXXX : CAN NOT VERIFY THIS ACCOUNT, NO CONTRACT WITH MY SIGNATURE ON IT AND YET TRANSUNION KEEPS IT LISTED AS A NEGATIVE ACCOUNT. THEY ARE ONCE AGAIN BREAKING THE LAW AS THIS ACCOUNT CAN NOT BE VERIFIED PER SECTION 609 WITH PROPER SIGNED DOCUMENTATION. BECAUSE I NEVER HAD AN ACCOUNT WITH XXXX. THIS ACCOUNT IS NOT MINE.
Product: Debt collection

Debt collector is harassing and not providing any steps to resolve the fraudulent activity case # XXXX from the credit agency who is trying to collect debt. and not being helpful and extremely rude Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX This fraud charged was disputed and resolved on XX/XX/2022 with XXXX XXXX XXXX REF # XXXX i have police report from XX/XX/2022 stating that this was fraudulent activity and 30 days it was removed from my credit report because this was fraud. 
police report : CASE FOLDER Number : XXXX with XXXX XXXX Police Department
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to Whom It May Concerns, This account is paid in full, and I need it to reflect on my credit reports As soon as possible. It is the job of the credit bureaus to make sure consumers accounts are up-to-date and accurate. This account is paid off.
Product: Credit card

I was Louisiana court ( XXXXXXXX XXXX  ) appointed Administrator to the Successions of my late parents on XX/XX/XXXX. In reviewing 7 years of bank statements, I discovered Comentity Bank had issued a charge card in my father 's name without vetting, over 6 years after he died. The card was being used, evident by 3 credit reports. On a phone call to Comenity Bank on XX/XX/XXXX, informed I needed to mail proof of death to one mail box, and to a second mail box, documents showing legal authority to represent my deceased father before any information could be provided. A cover letter with the same 10 documents was sent on XX/XX/XXXX to both mail boxes, showing with adequate documentation, I had legal authority to represent my deceased father. In cover letter to Comenity Bank : 1 ) reported credit card fraud : 2 ) requested account be closed : 3 ) requested copies of monthly statements : 4 ) requested any opening account documents. Uploaded with this compliant 20 supporting documents. In 26 page, Administrator Succession Interim Report filed on XX/XX/XXXX with the XXXX XXXX there is a Sub-titled section Comenity Bank Refuses To Recognize XXXX XXXX XXXX. Paragraph 61, [ ADMIN ] wants to bring to the court 's attention, facts that culminated in unsuccessful effort to receive requested documents from Comenity Bank. Documents needed are those that would validate a creditor 's debt claim pursuant to XXXX XXXX XXXX. Comenity Bank has filed through a collection agency in case XXXX creditor 's claim for {$7400.00}. on XX/XX/XXXX. [ ADMIN ] is filing complaint with Consumer Financial Protection Bureau. [ ADMIN ] has talked to bureau. Documents were never sent. Facts show Comenity engaging in cover up, creating customer account without permission ... ... ... .Follow up phone calls were made requesting document request status, however documents never sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there.

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
Product: Mortgage

Servicing of mortgage was transferred with only 7 days ' notice. With only 7 days ' notice I need to find out how to pay the new company. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a valid debt. yet it is showing on my credit report from XXXX, Equifax, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account named XXXX XXXX XXXX act # XXXX this account does not belong to me and is reporting inaccurately to my credit reports and needs to be removed.
Product: Debt collection

The account is for an apartment lease. I disputed that account in XXXX  at the credit bureaus and the account was deleted from my credit, currently it does not appear on my credit report. They called my son who also appeared in the lease and began to aggressively tell him to do a XXXX way for him to call me and asking him for personal information such as my son 's address after that the person tell him that if he did not return the call in XXXX hour they were going to take the case to court. 
They told my son that the amount was like {$4500.00}. The company is XXXX XXXX, I check online and this company have a lot of complaints and is not register at the Better Business Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data-furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, Equifax opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID EQUIFAX SEND TO THE DATA-FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with Equifax for being Non-Compliant with the FCRA by not verifying the consumer applications.
Product: Mortgage

Back in XX/XX/XXXX, I applied online through Navy FCU to refinance my mortgage loan, at the beginning of the process, the bank has a questionnaire about your situation. 
I submitted all the paperwork needed, amidst XXXX I received a letter stating that my credit was denied, because " the property use does not meet the requirements ''. I emailed my loan officer, called about 8 times, every time I talked to a different agent, they all couldn't tell me an exact answer why was the loan declined, some thought it was a problem with the county, I called the county, the checked my records and even provided me with a statement where it shows that my house was at compliance. At the end I requested a sup, who wasn't available then she called me three day after that last call, the sup explained me that because the military " I am XXXX XXXX XXXXXXXX XXXX '' moved me to XXXX XXXX XXXX I was not technically living in my property back in XXXX, therefore I did not qualify for the type of loan I was applying for, my mom is currently living there, and I explained that the military just moved me a month ago to XXXX, but my home residence is XXXX and I may go back there, I wonder why they have a questionnaire for the application, if they don't apply that profile answers they get, to better classify and get the people in the right type of loan, in my case no one ever called me, I had to call several times, to get even an answer, and it took almost a month after the denial decision was made to get to know an answer, and after all, the supervisor on the line, told me that I'd needed to re apply. 

I believe first, this treatment is really unfair, and not helpful at all, their processes and communication within the same mortgage department is in the air, I talked to many representatives that didn't know what was going on, and us a customer at the end don't get the customer service and guidance for such a big transaction as refinance a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY My credit has been effected since portfolio recovery trying to collect from me XXXX that credit card was not mine. I have submitted a claim in my credit report. Need to take this off my credit report.
Product: Debt collection

I recently discovered that on XX/XX/year> Cavalry Portfolio Service, a debt buyer, accessed my XXXX credit report without my knowledge or consent. I did not and will not consent to giving them my personal information or enter in to any type of contract with them. I have had ongoing identity theft issues for the past decade and do not appreciate this company purchasing my information from data brokers or the Dark Web to research whether or not I am a good target for their extortion tactics.
Product: Mortgage

I requested an escrow analysis in XXXX of XXXX. I have a surplus of {$1400.00}. On XX/XX/XXXX, I asked to receive my surplus funds back from the analysis. The lender tells me I am late because I owe for XX/XX/XXXX. It is my understanding. I have 30 days to make my loan payment. We were working in the month of XXXX. They denied my request. Now they are reporting to the XXXX credit bureaus that I am 30 days late on my payment. Which has caused my credit score to drop XXXX points. The reason the loan was transferred is because the previous lender. Was in a class action lawsuit over this matter and had to close their doors.