23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have XXXX mortgage loans at XXXXMr. Cooper. I paid the first at their online portal. When I went to pay the second mortgage I received a notice onscreen that my loan was transferred and I was unable to make my mortgage payment. No information was available regarding when or to whom the load was transferred. 

I called the XXXXMr. Cooper customer service number, and when it identified the load in question, the system simply said it was transferred to a new provider and to contact them. It provided no option to find out the new provider 's identity or how to make my mortgage payment, or how to reach a person. The system then hung up on me. 

I had recieved no letter from XXXXMr. Cooper, nor from a new service provider regarding an impending transfer of my mortgage. 

This is an unacceptable position to be in, not being able to make my mortgage payment, or to know the new servicer. XXXXMr. Cooper makes it impossible to reach a human being for issues their system does not address properly.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

CFPB CASE # XXXX I have received my LexisNexis report and the items previously disputed are currently still reporting these inaccuracies. I have disputed the inaccuracies your agency is reporting attached to my social security number. I am Requesting that LexisNexis furnish notification of the deletion of disputed information for bankruptcies reporting inaccuracies due to not matching information found in the Pacer records. I am requesting that this information be immediately removed and deleted from my public records. Case numbers XXXX, XXXX, XXXX, and XXXX : The discharge dates, Case numbers, and filing dates do not reflect the information found in the Pacer court system. 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. I am requesting documentation of the information deleted from my public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issues a prior complaint. Complaint number ; XXXX with the XXXX and complaint number XXXX on XX/XX/2018 against XXXX XXXX XXXX XXXX. They are reporting on a debt that is unverifiable and not accurate. They refused to remove information from my credit file and attempted to reage old debt. When asked for verification and validation ( several times ), they did not provide proper information per FDCPA. on XX/XX/XXXX during premeditation this case was dismissed because the lawyer from their firm acknowledged there was not sufficient information about this account. The case number is XXXX. The case was dismissed because of lack of information. Please remove this inaccurate derogatory information from my credit file or I will sue and seek the damages owed to be for repeated violations of FDCPA and lost wages.
Product: Credit reporting or other personal consumer reports

i recieved a copy of my credit report and noticed some accounts the are not mine i never used
Product: Credit card

Late charged and a resubmission of an Amazon prime subscription was renewed without my consent. They were sending my statements to an address that was not mine. They will only take off XXXX set of late charges. I am being charged an outrageous amount
Product: Vehicle loan or lease

Monday XX/XX/XXXX, XXXX Re : Account Number : XXXX / VIN Number : XXXX To whom it may concern I am writing to formally dispute the account and transactions pertaining to the XXXX XXXX XXXX XXXX which was financed through your institution under the account number XXXX. As you are aware the vehicle in question was repossessed by XXXX lending services in the state of Georgia and subsequently resold by XXXXXXXX XXXX  XXXX XXXX in XXXX. I was not notified of this repossession when the vehicle was forcibly taken from possession without my notice. When removed a series of my personal possessions still in the vehicle was removed including but not limited to clothes, sneakers, personal documents and valuables as I had recently lost my house and the miss of moving this possession from XXXX place to another when the vehicle was repossessed. Those items were valued at an estimated XXXX XXXX dollars. After doing further research and calling representatives of XXXX XXXX XXXXXXXX XXXX they informed me my possessions were discarded and the vehicle was in full detail but global lending services. 



I was not notified of the vehicle being resold at auction nor was I notified that the date or price was resold at. After my own research I have found that the vehicle was sold in XXXX for the amount of XXXX dollars .Although the vehicle was sold for that amount listed above the remaining balance owed that this institution is reporting on my credit is XXXX dollars. This is inaccurate. This innacury is being constantly reported on my credit report. The reporting of these accounts is violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report. { to be exact subsection 1681e, 1681g,1681h, 1681i } I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as the evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. Failure to furnish the requested proof within 30 days from the receipt of this notice will render the alleged deficiency claim null and void. I then demand the complete removal of all references to this account ( XXXX ) from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX and written confirmation of the deletion of any previous reports made to these credit bureaus Any further collection activities and continuation of reporting this inaccurate debt will be regarded as a violation of the Fair Debt Collection Practices Act.
Product: Debt collection

I settled the medical debt with a hospital and they said it was done. Now about 4 years later I am getting the same amount from a debt collector trying to collect. Now after 4 years they have put this on my credit report.This debt was settled already.
Product: Debt collection

I had XXXX install Internet service on XX/XX/XXXX. I paid with my XXXX XXXX card. Two days later I calked to cancel. XXXX agreed, but the next month I got another bill from them. I called, they apologized and said it would be corrected. I contacted XXXX XXXX and put a stop on XXXX receiving any more funds. XXXX XXXX attempted to communicate with XXXX about a resolution. XXXX never responded, so XXXX XXXX resolved the situation in my favor and issued a refund to my account. 

In XX/XX/XXXX I got another bill from XXXX. The agent said they had never seen anything like this. They said that there was an issue with the refund and they couldnt figure it out. I told them to contact XXXX XXXX to figure it out, and to quit billing me. 

I received a letter from JXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter states that they are trying to collect a debt of {$110.00} on the behalf of XXXX. I called their contact number and spoke to a male CSR. When he asked me if I wished to dispute it and I said yes, that I didnt owe anybody anything, he started yelling at me and would not stop. I asked him repeatedly to stop, but he just kept yelling at me. This went on for a couple minutes, and the guy would not stop yelling, not for a second. I finally hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly verified false information, negative information remains on my Credit Reports.
Product: Credit reporting or other personal consumer reports

XXXX EQUIFAX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account Number is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/year>. The date is completely wrong, because I signed up for XXXX new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off acct reported in my credit with XXXX  XXXX and I have sent several certified mail investigation requests to XXXX, XXXX, and Equifax and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and Transunion. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on 5/30. However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is nowXX/XX/XXXX and I have yet to receive anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 or other personal consumer reports

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

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

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

Jefferson Capital Systems was allowed unrightfully, to, after buying old and bad ( inaccurate ) paper they put a very old collection on my credit report that was already settled. This has caused me great harm, as my score dropped from a near perfect XXXX to XXXX. We explained that we returned all equipment to this now defunct for many years Cell Phone Company, and had a XXXX balance at the time of dissolution of that company many years ago. 
Jefferson Capital Systems has harrassed us, and is trying to enrich themselves on a bad ( Inaccurate ) bought paper. 
Under the FCRA we demand that Jefferson Capital Systems remove this bad paper from my Credit Report ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, Nc XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Subject : Dispute of Incorrect Information on XXXX Credit Report Dear XXXX XXXX XXXX, Im writing to dispute incorrect information on my credit report. Specifically : Account XXXX : XXXX Or it could be found using my birthday XXXX XXXX. I am requesting a XXXX form in accordance with the charge-off you have on file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting actconvergent account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX XXXX PurposeCREDIT TRANSACTION XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 violation Misleading False reporting XXXX XXXX Account Number : XXXX Please investigate that this account is reporting 100 accurate I see so many errors which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance?

* Did they even fund the account or did you?

* Did you take tax credits?

* Are you the creditor or really just the servicer?

* Did you disclose that you were charging me for the insurance premium to protect against asset loss?

* Did you get your approval in writing agreeing to the amount of the premium as require by law?

* Did you get the insurance payoff prior to charging off the account?

* Is the contract creating the account even valid since they lacked full disclosure and equal risk?

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature?

* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with Equifax and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 time Security Questions answered all correctly but they said it was not right and the lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry details XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types. 
2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data. 
3. the name and job title and contact information of the individuals you contacted at the data furnisher. 
4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXount # XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # XXXX Date XXXX Balance : {$730.00} 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.