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

I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.
Product: Credit reporting

I need immediate assistance please. I 've proven to Equifax numerous times that they 're reporting " unknown medical collections '' on my credit file. They have come back and stated these items are " verified '' although they have no idenifiers. How can they verify something in which they have no information to validate? Why have n't they corrected, removed or sent me the actual information that pertains to these accounts? I do know that everything on my credit file must be accurate, complete and correct. These are not any XXXX of those. I 've also received letters stating that every single XXXX of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that XXXX of the accounts was removed and then reinserted later without any notification as required under section XXXX! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.
Product: Credit reporting or other personal consumer reports

This false reporting is not merely an error ; it reflects " actual malice, '' as XXXX, XXXX, equifax knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to XXXX XXXXXXXX equifax  willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to XXXX, Equifax and XXXX irresponsible and unlawful actions Despite my repeated disputes, XXXX, Equifax and XXXX persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

ClearPath Lending is sending false and misleading offers to lower my VA mortgage. When I called to be removed from mailing they hung up on me. 

For example, the offer is to lower my VA Loan rate to 2.25 % Rate, 2.45 % APR for VA loans ; I know this is erroneous information from current VA loan rates. 

On XX/XX/2020, ClearPath Lending Inc entered into a Consent Order with the Bureau of Consumer Financial Protection. The order settles allegations that the business sent consumers mailers for VA-guaranteed mortgages that contained false, misleading, and inaccurate statements or that lacked required disclosures. The order alleges that the advertisements created the false impression that ClearPath was affiliated with the VA, misleadingly advertised rates or payments as fixed, even though the advertised mortgage was an adjustable-rate mortgage or the payment was not fixed for the indicated duration. ClearPath also allegedly misrepresented the existence, nature, or amount of cash or credit available to the consumer, and the existence or amount of fees or costs to the consumer, in connection with the advertised mortgage. Under terms of the order, the business agrees to pay a civil penalty of {$620000.00}. The order also imposes injunctive relief to prevent future violations, including requiring ClearPath to bolster its compliance functions by designating an advertising compliance official who must review its mortgage advertisements for compliance with mortgage advertising laws prior to their use ; prohibiting misrepresentations similar to those identified by the Bureau ; and requiring ClearPath to comply with certain enhanced disclosure requirements to prevent future misrepresentations. XXXX  XXXX was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. 

Clearly they're not following the injunction. 

Secondly, I filed an opt out for firm offers of credit and insurance at optoutprescreen offers in XXXX of 2020. The offers of credit have all but stopped except from ClearPath Lending. This company is a menace and should be avoided.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was informed by a company whom I pay monthly that a company name XXXX was trying to get into my credit file I do not know XXXX this company requested information from Equifax. When I complained to Equifax I was told that my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in XXXX XXXX. XXXX XXXX XXXX XXXX who never left XXXX. I was told to mail my Drivers License and other documents to Equifax I have set Equifax in the past for identity theft of my information these documents along with police reports Which is supposed to be on file for 7 yrs. Equifax is very sloppy with documents and I do not trust them I have been on a security freeze for 30 yrs I am now XXXX yrs old why is Equifax violating privacy. The address that they gave me belongs to a Post Office.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Debt collection

I have written and attempted to call to verify this debit. Instead it was just placed on my credit report with out any validation or attempt to dispute.
Product: Mortgage

My husband and I purchased our current home on XX/XX/XXXX. We used XXXX as our loan servicer. Our mortgage was sold to NewRez/Shellpoint in XXXX according to a letter we received from XXXX XXXX. Eleven months later, someone from NewRez/Shellpoint manually reversed my XX/XX/XXXX mortgage payment. In early XXXX, I received a phone call from a collector from Shellpoint asking when I will be making the XXXX payment. I explained to the collector that I had never missed a payment. After going back and forth with them for months, I was able to speak to a Shellpoint representative who stated that my XXXX payment was refunded to XXXX. She also stated XXXX had requested the refund. 

I recently received an email from XXXX stating they have never received any funds from NewRez/Shellpoint. Meanwhile, after several attempts to resolve this issue with the lender, they have reported us 30 days late from XXXX to XXXX of this year. This has impacted our credit scores as well as our ability to refinance this home. We would like to file a claim against NewRez/Shellpoint for the following reasons : Reporting us 30 days late for the past six months, when we were never 30 days late. 
Failure to notify my husband and me of their intent to report us late to the credit bureaus Failure to notify my husband and me that they were, allegedly, refunding the funds to XXXX. 
Failure to notify us of any intent to filling a claim to our mortgage insurance. 
Falsely stating that the funds were refunded to XXXX, the prior servicer. 
We also would like to know what they did with our XXXX payment since XXXX stated they never received any funds from NewRez/Shellpoing. 
I have attached all the supporting documents.
Product: Debt collection

Due to the COVID-19, I contacted Lending Club for suspension of my automated deduction payments until I return to work and start earning steady income. They agreed to suspend the payments for two months and contacted me to start making payments in XXXX after suspending payments for XXXX and XX/XX/2020. I told them that I had not been able to start working yet due to the uptick in COVID-19 cases in Texas but they told me that at least I should do whatever it takes to makes interest payments so they deductted {$370.00} from my checking account and scheduled another interest payment for the same amount for XX/XX/2020. Despite the hard times, they also sent me an email demanding another payment of {$890.00} on XX/XX/2020, thus collecting two payments within the same month despite the fact that I have not been able to return to work. I tried to call them to explain but nothing changed and they told me that they were going to damage my credit if I don't make the payments. Anytime they will attempt to deduct any payments from my account and there are insufficient funds, the bank will charge me fees adding more to my debts.
Product: Mortgage

On XX/XX/2022 I closed on my home loan with AmeriSave. The home cost XXXX and in the agreement of sale, signed by both myself and the seller, I was to receive 5 % sellers assistance ( XXXX ). 
I received the closing documents on XX/XX/2022 that stated my closing cost would be {$5900.00}. I proceeded to get a cashiers check for that amount. On the day of settlement, XX/XX/2022 as I was shown the closing documents, I stated that the amount for closing had changed. It now read {$6600.00}. I pointed out to the Title Agent ( XXXX XXXX ), that the numbers were not the same. The Title Agent told me to phone AmeriSave  to see what had changed. My agents asked what usually happens in such cases and title agent said, Somebody needs to go get a check. In speaking with AmeriSave  I was told that there were additional fees that I am now responsible for. I then left the settlement table, drove to my bank and requested an additional check. I returned in 40 minutes and it was very hectic. I signed the papers and left. The sellers agent then phoned my agent to say that the paperwork was incorrect and AmeriSave had not accounted for the 5 % sellers assistance. The sellers agent then called the XXXX XXXX in hopes of stopping payment on the check and was told that the Buyers agent needed to call. When my agent phoned, she relayed the information to XXXX and thus far, no results. The seller refuses to honor his contractual agreement and my agent has received no updates from XXXX. My agent phoned AmeriSave and was told that there is nothing that can be done as the the loan has closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING UNDER DIFFERENT NAMES. ITS A PAID OFF COLLECTION REPORTING PAST DUE AND CHARGEOFF AND IT SHOULDNT BE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$8100.00}
Product: Debt collection

Amscot has repeatedly called me about a payday loan debt. I lost my job and cant pay. I informed them numerous times but they keep calling me. I have blocked a few of their numbers and different numbers calling me. I am being harassed non stop by Amscot Agents.
Product: Debt collection

Original creditor is Comenity Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX. The amount is {$2300.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I currently have a Comenity Bank account that was opened in XXXX that I am in good standings with.
Product: Mortgage

I received my XXXX XXXX  bill in XX/XX/XXXX what indicated that my taxes were not paid in XX/XX/XXXX. My XXXX XXXX were paid from my XXXX XXXX as per my XXXX XXXX in XX/XX/XXXX. I contacted XXXX XXXX mortgage department on XX/XX/XXXX, submitted taxes bills I received and they opened an investigation case what they said should be completed within 14 business days. 
On XX/XX/XXXX I contacted bank to check on the incident progress and was told that there is no updates and was advised to contact XXXX XXXX regarding taxes paid in XX/XX/XXXX. I I contacted XXXX XXXX billing on XX/XX/XXXX and was told that my bank sent taxes in XX/XX/XXXX to the incorrect taxes parcel # XXXX XXXX sent payments back. I contacted bank again and provided this information. Bank confirmed that they have incorrect taxes parcel # on my account, claimed they corrected XXXX XXXXr and will process taxes as soon as possible. 
On XX/XX/XXXX ( 14 business days since my case was opened at the bank ) I contacted bank since I did not see any XXXX XXXX were made from the my escrow account, neither payments made in XX/XX/XXXX were reimbursed to my XXXX XXXX. Bank stated that they will not be able to send taxes by the end of the year and suggested I pay taxes myself and they will reimburse after they run escrow analysis with corrected taxes information. Bank also said they will cover all late fees and any other fees I pay. 
I payed my taxes, $ XXXX in total on XX/XX/XXXX with my credit card issued by the same bank and submitted payments receipts to the bank as they requested. 
I contacted bank on XX/XX/XXXX to follow up on my XXXX balance ( what showed {$0.00} online even though I pay {$600.00} every month to XXXX ) and XXXXt and apparently the bank did nothing. XXXX XXXX was not run, payments made in XX/XX/XXXX to the wrong XXXX XXXX # are not back to my escrow and none of late fees and processing fees were reimbursed to me or to my escrow. I was told by bank that they will run XXXX XXXX  in XXXX, but regarding XX/XX/XXXX incorrect payments and fees I have to contact taxes department and open the case again. I asked bank whether they can give 0 % APR for my credit card for few month till they resolve the issue and send me extra $ from my escrow back, but they said nothing they can do and suggested to open new credit card in other bank and do balance transfer.
Product: Credit reporting or other personal consumer reports

Delete the fraudulent account from XXXX XXXX account number XXXX. This account does not belong to me. Please also delete any inquiries attached to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A REQUEST FOR METHOD OF VERIFICATION FOR THE ACCTS LISTED BELOW. IT HAS BEEN MORE THAN 30DAYS AND THEY HAVE NOT SENT ANY VERIFICATION TO VALIDATE ANY OF THE ALLEGED DEBTS. 

INTIAL REQUEST XX/XX/2021 1XXXX XXXX- XXXX 2XXXX XXXX XXXX
Product: Mortgage

Plaza Home Mortgage ( XXXX ) has failed to pay my property taxes in XX/XX/XXXX for the XX/XX/XXXX Tax Year from an escrow account. Countless phone calls have still not resolved the issue and a tax lien has been placed on my home, as the staff continues to falsely claim issue is being worked on. Even today, XX/XX/XXXX, Plaza Home Mortgage has not resolved this issue and are continuing delay, causing additional penalties.
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. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

XXXX
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries on my credit report that I did not give permission for. I have no idea why these are on my experian credit report. Please delete all of these inquiries they are all fraud. 
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
Product: Checking or savings account

In a telephone call recored AGAINST MY WILL, that is, UNDER DURESS, I was forced to hear an employee of Wells Fargo Bank 's " executive officer '' tell me I am " spouting off '' in speaking about XXXX XXXX XXXX XXXX XXXX OF NEARLY ALL MY RELATIVES IN XXXX AND XXXX IN IT and matters having to do with improper and illegal fees of Wells Fargo Bank! 

" Spouting off '' is as defined by XXXX a most offensive and insulting and disrespectful expression but the employee DID NOT APOLOGIZE! 

Trying to solve the problem of these fees therefore becomes nearly impossible if not impossible given this attitude of the employee assigned to this problem! I do not " spout off '', I never have " spouted off '', and as a devoutly religious person never shall " spout off ''! 

So now, in effect, this problem of these " fees '' can not be solved given this atrociously appalling attitude of mind of this employee aforementioned!
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXXXXXX 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
Product: Credit reporting

I contacted the collection agency regarding my XXXX negative items on Equifax credit report. When I contacted the collection agency XXXX XXXX XXXX and talked to XXXX desk id # XXXX informed me that the items where send to Equifax to be removed. I contacted on Equifax on XXXX XXXX, 2016 at XXXX. The Representative said I ca n't help you and hung up on me. I was instructed from the collection to have Equifax call on a XXXX way call that XXXX XXXX XXXX Equfiax XXXX XXXX supervisor refuses to help. I 'm paying a monthly fee and refuses get the service I am paying.