23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1. Home depot merchandise was not properly delivered to the correct address at the time and place specified as required, nor was that merchandise in a proper condition ; as a result I as buyer incurred additional expenses costs and labor.

2. Credit ( Citi Financial and merchant Home Depot failed to resolve the buyers disputes and grievances related to all charges credit interest etc of the account involved by clear concise means as their accounting was convoluted, improper, redundant unclear unverifiable, and prone to error. 
3. Merchant Home Depot erroneously claimed the buyer customer signed a receipt for building material 4. Said construction materials were dropped off by curbside delivery in front of someone else 's property ( not buyers ) without any documentation attached. 
4. In a period ( XX/XX/2020 to present XX/XX/2020 ) Merchant failed to return to that merchandise 's location to verify proper delivery of said merchandise nor to properly move it to the correct location nor check its condition. 
5. Merchant Home Depot and its agent Citi Financial Credit Services consorted in collusion to  Company confound aggravate obstruct and harassed the buyer seeking resolution of these and other issues over a period of time from XX/XX/2020 to XX/XX/2020. 
5. Citi Financial Services and Home Depot act in tandem as conspirators and agents not as independent parties and said parties intrinsically do not act as responsible parties that objectively respond to customer complaints as they act to cheat customers by charging them and not resolving their issues wit the merchant.
Product: Debt collection

This is not my debt. I will send all the information to this credit company, and they will send it to another collection agency. I was in prison when this debt was established.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my personal info has been compromised and used to obtain credit cards and loans of such sort I was advised to submit these forms in order to get these issues resolved
Product: Debt collection

The company did not give me the credit for the principle reduction. Further I was not notified by Ocwen about the settlement with the government despite writing them for the last 6 years. Why was I not included in the principle reduction. I have letters from that state my principle balance without the balloon payment. After I reported Ocwen to CFPB they went o. The attack made changes to my credit report and dropped my score over 30 points. I disagree with their response to you. Consumers including myself are still suffering at the hands of this company.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed this new collection that was added. I, ve disputed this account before but not sure with who and it was deleted. Im unable to verify this account.
Product: Credit card or prepaid card

On XX/XX/2023 while making a purchase with the cashier, I was asked if I have a rewards card where I earn points for my purchases. I said no. I asked was it a store card because I didn't want one, I was very specific about that. I said I had been working on my credit for two years and I didn't want a hard inquiry nor a credit card. The cashier said " oh no, it's not a credit card. It's for reward points when you make future purchases. When I entered the information requested on the key pad, one of the questions was my social security number. I asked him why is that a question? He stated " oh it's to make sure the points are given to the right person and no one claims your reward or discount ''. Once I paid for my purchase and was leaving he says " oh this is your receipt and booklet ''. It was a store credit card booklet. I confronted him about lying to me and says " oh don't worry about it, just don't use it! ". I was lied to, mislead, deceived and my credit now has a hard inquiry on it that I didn't want. All for the sake of his quota to get people to sign up for a XXXX store credit card. 
Synchrony Financial was contacted immediately and it will take 30 days to resolve! XXXX at XXXX XXXX, XXXX, MI XXXX on XX/XX/2023 at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received harassing phone calls from XXXX XXXX XXXX XXXX numbers for some time. The numbers are : XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( three missed calls ), XXXX XXXX XXXX XXXX XXXX ( one missed call XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( two missed calls ), as well as calls with similar frequency further back that are attached in the screenshots provided. 

Today, I finally received a voicemail from XXXX XXXX XXXX XXXX XXXX that stated " We have an important message from Williams and Fudge, Incorporated. This call is from a debt collector. Please call XXXX XXXX at XXXX. Thank you. '' Upon searching for the number to call back, the number was not associated with Williams and Fudge directly and has several scam reports. They are typically associated with student loans and with my federal student loans my account is current, so this is obviously a scam call.
Product: Credit reporting or other personal consumer reports

Been more then 7 yrs XXXX  needs to be removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of delinquencies I have closed are still on my report and it only shows on this account and not on the other other 2 bureaus
Product: Payday loan, title loan, or personal loan

I opened a line of credit with scratchXXXX to take care of XXXX XXXX Originally the loan was opened for {$1500.00} but I was informed that I was approved for over {$6000.00}. Later it was determined that I did not need that much money for my dog and only {$430.00}. They did not adjust the monthly payment of the loan for this amount. I called them and they said I needed to speak with my veterinarians office but I explained that my vets office was not open and if I waited the bill would be late. The woman I spoke with said there is a grace period I didnt have to worry about the bill being late. I called my vet and they said said they would notify ScratchXXXX and I would get a new bill. I did not get a new bill. I was hit with a late charge and I did make a payment but they are telling me the amount is incorrect. Also, today I needed to use {$170.00} of the loan and they said I will have no trouble adding this amount to my loan. Later after my vet added the amount to my balance I received a call from the vets office saying they took it back. I called scratchXXXX and they said my loan is no longer valid as of XX/XX/22 and that I needed to apply again. I applied and they denied me the funds. I dont know what to do. This is not a significant amount of debt but I dont feel like this is how loans work nor do I feel that I am being treated fairly.
Product: Debt collection

" WF CRD SVC '' claims I owe them {$1100.00} as of XX/XX/XXXX. 
This account was opened as a result of identity theft, I have informed the company of this and also provided a police report ; they refuse to take this off my credit and they have charged off the amount, which is effecting my credit and hindering me as a first time home buyer. 
They claim the account was opened on XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery keeps changing their caller ID number and calls me every single day. I have asked them well over a dozen times now to quit calling me but they do it twice a day anyway
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to you in regards to fraudulent accounts that have been unlawfully reported on my consumer credit report, which have arisen from identity theft. It has come to my attention that these accounts were reported without proper verification, as required by law. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I demand immediate action to rectify this situation and ensure the accuracy of my credit report. 

I hereby request the deletion of all personally identifiable information from my consumer credit report, with the exception of the following : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of all other addresses as I neither receive mail nor have access to any of them. Please update my address to the one provided above for all future correspondence. 

Furthermore, I request the deletion of any phone numbers associated with my credit report, except for XXXX XXXX XXXX XXXX, which is my sole contact number. 

For privacy reasons, I demand the removal of my Social Security number and date of birth from being displayed on my credit file. 

Additionally, I request the deletion of all information in the employer section. 

As a federally protected consumer, I am entitled to privacy under the Fair Credit Reporting Act 15 USC 1681 and its subsections. Failure to grant me my rights constitutes a direct violation of this law. 

Please acknowledge receipt of this request promptly and provide confirmation once the requested actions have been taken. I expect a timely resolution to this matter within [ insert time frame according to relevant laws or regulations ]. 

Thank you for your immediate attention to this matter.
Product: Payday loan, title loan, or personal loan

Company : Mr Money Payday Loans I got an installment loan around XX/XX/XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full. they were able to give me a payment agreement, but the new payments are more than what was originally given because I had defaulted and couldn't pay. I have now been advised that if I miss ANY payment or am even ONE DAY LATE, I will get summoned to court for judgment. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.
Product: Mortgage

This issue began in the fall of XX/XX/XXXX. My brother and I retained an attorney to draft Trust, Will, and Power of Attorney documents. At this time, the attorney could not find proof of who held the mortgage to my brother 's home. All searches pointed to no mortgage being on this particular address. My brother and I then had a new title search done. Again, no mortgage showed up! We then met with another attorney who ran a search through XXXX XXXX. Again, no mortgage showed up. I contacted Mr. Cooper/Nationstar, the company we are making a mortgage payment to each month. They explained that they had taken over this mortgage XX/XX/XXXX from XXXX. I contacted XXXX and have documentation that the mortgage payments were up to date before the change occurred. 
Now, we are trying to get proof from Mr. Cooper that they hold the mortgage. We would like to possibly refiance the home, but we can not get proof of the mortgage holder. I contacted XXXX XXXX last week, and they could not find any mortgage. I then contacted Mr. Cooper again, who stated that they would have their special department from this area email me the information requested. It never happened! Last week I spoke with XXXX XXXX from Mr. Cooper, who again requested the information because she could NOT find the mortgage holding in their system. I was instead sent the information that showed up on our title search! XXXX XXXX can be reached at XXXX to explain that no documents are appearing under Mr. Cooper to show they hold the mortgage. At this time, we are unable to refiance and get away from this company. We also feel we should hold future payments until we are sure as to what is happening. We would appreciate any help or advice you could give at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to have this account deleted due to lack of consent they verified it its your debt remove this from my report today. 

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Product: Debt collection

THERE IS A NEGATIVE ACCOUNT REPORTING ON MY CREDIT REPORT THAT IS FRAUDULENT AND HAS EXCEEDED THE 2 YEAR RULE. 
THE NAME OF THE THE DEBT COLLECTOR IS : XXXX XXXX XXXX/Original creditor : XXXX XXXX. I ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT IMMEDIATELY. IT IS MY RIGHT UNDER THE FCRA. 
THERE IS ALSO A DEBT BY XXXX. THAT TOO, NEEDS TO BE REMOVED IMMEDIATELY.
Product: Debt collection

PlusFour Inc. Has refused to remove information/account off of my credit. I have repeatedly disputed this and they continue to say its accurate. It is not my debt and I am fed up with a collection agency that illegally bought this case and has no right to report and refuse to remove this from my credit reports
Product: Mortgage

I started a new job XX/XX/XXXX and new I would be late making the payment since I got my first check XX/XX/XXXX my next check XX/XX/XXXX XXXX send money orders through XXXX XXXX the next check I sent was XX/XX/XXXX since I got paid on the 2nd. Unfortunately, they keep sending me paperwork like they haven't cashed the money orders I have confirmed with XXXX XXXX that all the money orders have been cashed. In the XXXX payment I let them know that I started a new job and that is why I was late with that 1 payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 an 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 or other personal consumer reports

Vehicle balance is high and has been victimizing my personal life for years. Please adjust or remove from credit.
Product: Mortgage

I am seeking help with an issue I am having with Carrington Mortgage. My loan was purchased by Carrington in XXXX and a few months later we ran into financial hardships. We asked Carrington for assistance and were placed on a hardship plan to help us keep the home. Our understanding was our missed payments were going to be added onto the end of the loan.

I have called a multiple times to inquire as to why the payment was going down so slowly and why I was still paying PMI after 10 years. This has caused a financial hardship as my credit rating can not be improved because it looks as if I have been paying a mortgage for XXXX  years and have only paid off 6 % of the loan. When I called to discuss this with Carrington they stated that we in effect repurchased the home in XXXX and my new loan discharge date was XXXX. I informed them that they had charged us more for the home than we originally purchased it for and our equity in the home had been taken. They stated that I did not purchase the home until XXXX or XXXX. I explained that I had purchased the home in XXXX and we have been living here since then. This has caused my wife and I to have a low credit score as it shows my home was purchased in XXXX for XXXX and I currently owe XXXX. I have called in the past to ask why I am still paying PMI. Recently I asked for the originating papers to be sent to me which showed the home for XXXX. I called back and was told I took out another mortgage in XXXX on the home for XXXX. I asked for the papers to be sent to me from XXXX and the papers with my signatures are not the papers with the amount stating I owe the new amount. I was told My PMI was falling off in XX/XX/XXXX which would be 5 years from XXXX. Also at no point has Carringtom reported the credit bureaus any other amount besides the XXXX, I feel I should be much further ahead in my payments and the principle should be drastically lower. I went to refinance and was informed Carrington is not licensed in Massachusetts anymore. I then went to another mortgage company who directed me to the attorney general 's office and stated I should continue to resolve this issue with Carrington because it could cost me a lot of money since we have already paid so much toward the home, I am going to attach paperwork I have in regards to this issue. I was directed by the Attorney Generals office to reach out to the consumer financial protection bureau first. Any assistance would be greatly appreciated.

We requested paperwork from Carrington and the paperwork with our signature did not mention a new amount and pay off date. One of the paper stated we had a new amount and pay off date but this paper does not have a signature and neither my wife or myself had seen this paper before. We would have let the house go before we lost all our equity and paid more than the original loan. Requesting hardship assistance should not cause a greater hardship and add 7 years to a loan.
Product: Debt collection

I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all XXXX Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the XXXX XXXX XXXX  and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Mortgage

I am not able to pay my Newrez mortgage through their lousy portal. Any attempt to use the payment workflow results in their loading image just hanging and ultimately giving the following error : " HttpErrorResponse : Http failure response for XXXX XXXX XXXX.shellpointmortgageservicingXXXXXXXX XXXX XXXXXXXX Execution Timeout Expired. The timeout period elapsed prior to completion of the operation or the server is not responding. '' I had already called in about a late fee because I had previously been unable to pay the mortgage and I still can not because their system simply does not work. They even use XXXX for authentication which is literal child 's play. They need to fire their XXXX and get someone who didn't build a portal using the " Backend Development For Dummies '' book.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Apply for a modification XX/XX/XXXX and a forbearance during the pandemic XX/XX/XXXX was granted and for some reason my credit reports show no payment for XXXX months contacted Credit Bureau XXXX Mortgage Company XXXX Wells Fargo Bank XXXX XXXX where I make payments to get corrected No one responsible or can correct still shows up on my credit report no payments.