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

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of Attending XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was Navient. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] XXXX XXXX XXXX XXXX  Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report include
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these accounts do not belong to me XXXX XXXX XXXX ssb XXXX
Product: Mortgage

Starting XXXX, I began the application process for forbearance or assistance with Ameris Bank. Over the course of 6 months, my application process was stalled due to lack of communication and follow through with the mortgage company. In XX/XX/2023, I was finally notified that my supporting documents werent submitted in time, even though they were promptly submitted to the online portal, because the portal doesnt really work well and we cant see your documents on our end so they werent accepted. I was then directed to email my personal information to an obscure email address to submit properly. XX/XX/2023 my application was finally completed ( 6 months after the start ). Since the application was finally submitted, I have not gotten any response or update from the mortgage company. 

I believe that Ameris is intentionally making the assistance process difficult, knowing that if I were to have my home foreclosed on would benefit them financially. It is highly unethical that this company benefits from countless tax breaks and government subsidies, but does the exact bare minimum when it comes to following through on their obligations to the people that are the source of their vast wealth. 

Attached are screenshots showing the regular update and submission of materials on my end, and the stagnant response on theirs.
Product: Payday loan, title loan, or personal loan

I went on XXXX XXXX orders in XX/XX/2022. I was making payments until I no longer was in the states. Once XXXX XXXX I did not have time and internet service to submit payments. Once I was available to make my payments the accounts were in collections and this now prevents me from federal job offers, fair financial reporting, as well as defames my name and my report. I can no longer qualify to purchase a house nor a vehicle. I have reached out to affirm and have asked for a pay to delete option being that my rights were violated. 
In accordance with the fair credit reporting act Affirm Account #, has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

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

Under The Servicemembers Civil Relief Act Protection under installment contracts for purchase or lease Section 302 ( 50 U.S.C. 3952 ) while on active military orders I have protection under this law of the installments with affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a complaint thru the CFPB and the response from Equifax was that they were working on it. It has been over 30 days now. Per the FCRA you have 30 days to investigate a dispute or the items must be removed from my credit reports. Here is my complaint from XXXX. I have called several times and I can not seem to get any help because of the language barrier with the customer service agents who don't understand what I am asking for. I have attached my identifiication to verify that is is me. I would like the following off my credit report. REMOVE FRAUD ALERT In regards to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is required to remove inaccurate derogatory information from a consumers file if it CAN NOT BE VERIFIED. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX The following XXXX XXXX XXXX duplicates of each other. ATTORNEY GENERAL-XXXX  XXXX. Account status of both are incorrect. One is showing Date of first delinquency and date paid the same month. Schedule payment amount are incorrect, date open are incorrect on the duplicates both showing different dates, balance incorrect and terms frequency. I have attached my current balance along with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With Wells-Fargo from XX/XX/XXXX until XXXX at witch time I had closed that account Because Wellsfargo also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and wellsfargo was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides
Product: Mortgage

I have been trying to end my mortgage forebearance program with Citizens Bank since last summer. I have requested, multiple times, including in XXXX with XXXX XXXX in the corporate complaint resolution department, to have the amount in forebearance ( approx {$19000.00} ) added to the end of the existing loan in a non interest bearing account, EXACTLY as described in the attached letter I received from Citizens Bank. That is not what happened. Instead Citizens decided, without my permission, to modify the loan ; they created a XXXX 30 year loan with a much higher monthly payment than I had been paying. I specifically told XXXX XXXX in phone calls on XX/XX/XXXX and XXXX that I absolutely did NOT want to modify the loan..,. I wanted the option they had offered me ( see attached letter ) to add the balance to the end of the XXXX loan! We can not afford to make the new monthly payment I was informed of yesterday. Citizens has been impossible to communicate with and has now not responded to multiple phone calls and emails to the corporate office to resolve this matter. 
In the meantime, I have paid the monthly payment shown in the attached letter, {$1000.00} over the past XXXX months. When I tried to pay that amount on line in XXXX, I could not do that at the Citzens Bank website... I am assuming because they chose to close that loan without my approval. 
I would like to make clear ... my XXXX and I have outstanding credit ratings and have multiple mortgages on rental properties with other banks. We have NEVER been late on any mortgage payment and only want to get back to making our usual mortgage payments with Citizens Bank. We have not had any problems ending the forebearance program with any other bank.
Product: Debt collection

I have made several attempts to dispute 2 accounts and the company has not legally validated this debt. In response to my letters requesting verification they have responded with no details other than an alleged bill from the original creditor. The bill they provided me looks altered and fabricated. 

This company has reported that they did not acquire my alleged accounts until 2016. This complaint is for two separate accounts that were recently disputed together. This company has failed to validate this debt and therefor I would like both accounts to be removed off of my credit report.
Product: Mortgage

PennyMac has imposed Off/On 5 times Force Place Insurance over the last 12 months, this began with PennyMac falsely referencing a supposedly expired hazard insurance policy. Although Borrower repeatedly requested that expired insurance policy was never forwarded, yet PennyMac felt empowered to place force place insurance multiple times, using a continual " On/Off '' tactic. 

Since then and over the last 4 months, Borrower has been informing and requesting that PennyMac act in accordance with Relevant Government Regulations that govern Force Place Insurance Requirement for Lenders. They continually and completely ignore this. 

Furthermore, PennyMac has corroborated this insurance coverage conflict originated by deceitful action by the Loan Originator Company ( XXXX XXXX ) having falsely placed a Counterfeit Insurance Policy. This misled PennyMac to believe that the desired, but not required ( per loan insurance contract ), was to be made available on this Loan. PennyMac, was requested by the Borrower to address source of this deceit with the responsible party, but PennyMac has chosen, to instead ignore and protect XXXX XXXX 's malfeasance and to instead punish the Borrower instead of the responsible party
Product: Credit reporting or other personal consumer reports

I want to dispute certain account listed on my credit report, which were reported by your credit bureau. I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. I also submitted the required FTC complaint to support my claim that these accounts are not mine. Consequently, I did not receive any correspondence regarding these debts and was deprived of the opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent constitutes a violation of the law. Please delete these account right away : XXXX XXXX
Product: Credit card

Had some fraud on a credit card so my financial institution. Capital One issues me a new card on the same account. I have some recurring transactions on the card and was updating that information but had n't gotten around to all of the vendors. At one point I logged into XXXX as I saw a charge on my new card from them I look and I see that they have my updated card information. I initially thought that I had updated the card and just did n't remember, so I shrugged it off. But then I saw a charge from XXXX, XXXX and I KNEW I did not give them my new card number because I had intended to move that recurring charge to another form of payment. I logged into my account and not only had the charge gone through but now XXXX has my new card number. I had never given to them nor authorized anyone else to give it to them. 

I called my financial institution and they said it was XXXX. I called XXXX and they said it was my financial institution. I did some digging on XXXX 's website. And sure enough they sell it as a service to their merchant customers. XXXX No one will tell me how I opt out of this or even if I can opt-out. But I find it an unacceptable security risk that someone is providing a third party with my private financial data, my credit card number, without my express consent. 

I understand the convenience this provides both businesses and consumers, but I feel this is something I should have to opt-in to, or at the very least be able to opt-out of.
Product: Debt collection

I am writing to formally address a matter of utmost concern regarding the persistent harassment and fraudulent debt collection attempts perpetrated by Columbia Debt Recovery LLC, operating under the alias Genesis. Over the past several weeks, I have been subject to unwarranted phone calls, unsolicited correspondence via USPS mail, and relentless email communications, all in relation to an alleged debt amounting to {$4800.00} purportedly owed by XXXX XXXX XXXX. 

It is imperative to note that I, as the natural living individual named XXXX XXXX, refute any association with the purported debt claimed by Columbia Debt Recovery LLC DBA Genesis, or XXXX XXXX at XXXX. These allegations are baseless and amount to nothing short of fraudulent targeting against my person. 

Furthermore, upon conducting thorough research utilizing the National Multistate Licensing System ( NMLS ) Consumer Access site, I discovered that Columbia Debt Recovery LLC DBA Genesis lacks the necessary licensing to conduct debt collection operations within the state of Florida. This egregious violation of Florida Statutes Title XXXIII Chapter XXXX underscores the illegitimacy of Columbia Debt Recovery XXXX 's actions. 

In light of these findings, I demand an immediate cessation of all fraudulent collection attempts by Columbia Debt Recovery XXXX DBA Genesis. Additionally, I insist upon the prompt notification to all relevant credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX, to expeditiously remove any erroneous derogatory remarks and accounts associated with this fraudulent debt from my consumer report. 

Laws referenced : Section XXXX of the Florida Statutes, XXXX XXXX of the Florida Statutes
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7200.00}, {$3500.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$7200.00} -This is not my account. 


-- PERSONAL LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX  XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I was charged an " Account Maintenance Fee '' for {$5.00} on XX/XX/XXXX and XX/XX/XXXX. I had never been charged any fees before. I did not agree to these fees as this account was set up by my employer to distribute per diem money from a US government contract. 

I read over my card agreement and NOWHERE does it list this fee. It talks about a fee schedule but it is not included in the paperwork I was sent. 

I called Money Network on XX/XX/XXXX as there is not option to contact them through their website or social media. I stayed on hold for 40 minutes and no one ever answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 Amex on XX/XX/2022 XXXX XXXX XXXX XXXX  on XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have been complaining to TransUnion about errors on my credit report including my name address date of birth previous phone numbers all of my work history is incorrect many accounts are incorrect I've gotten notices in the mail saying my identity was stolen or compromised however it's worded I've been trying for 10 years to correct the problem with TransUnion I had no idea who to complain to until now they have never tried to assist me in the past 10 years of me complaining that my credit report is messed up and I'm on social security XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I am a resident of XXXX, MA. I moved from XXXX XXXX, IN, and wanted my car to be registered in MA. I contacted my leasing company ( Hyundai Motor Finance ) in XX/XX/2023 regarding this. Every time I used to call them they used to give me a different set of information. I somehow gathered all the information and sent them the required documents for the title transfer in XXXX. I filed a complaint with CFPB in XX/XX/2023 after which the leasing company then sent the title documents to the title department, MA by the end of XX/XX/2023. I called the title department, MA and they told me that the documents were wrong ( missing information ) so they sent them back to the leasing company. Now whenever I call the leasing company they tell me a new thing or they keep giving the USPS tracking address back from XX/XX/2023 on which they sent the documents to the title department, MA. Last week they told me that the documents were sent to my old address which is in XXXX XXXX ( they already have my new address with them where they had sent an information document in XX/XX/2023 ). It has been three months and I am very stressed and depressed because of this. I feel cheated and humiliated. I also sent them a check ( in the name of XXXX  ) that was supposed to be sent to DMV, MA. They said they never got the check back from the DMV in the documents they sent back. My car is unregistered since XX/XX/2023. It's giving me everyday anxiety. I have cried on a call with the leasing company a couple of times. I feel so helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against XXXX and Experian for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. Experian failed to respond at all and I still have not received any paperwork from them at all.
Product: Mortgage

I applied for a mortgage at a XXXX XXXX branch on XXXX, XXXX XXXX, loan number XXXX, I was approved and received a good faith package in the mail. A week later I called XXXX XXXX to get details of what documents they would need from me but was told the loan was denied due to a pre-forclosure from American Home Mortgage, that was on my mortgage credit history, however when I pull my credit I do not see this so it 's somehow hidden when the cosumer pulls a copy of their credit report and only showsup when creditors pull a mortgage credit report. Also, American Home Mortgagechanged their name form this to Homeward Residential, which my account number was listed under # XXXX, and is now listed under Ocwen Mortgage Servicing, Acc # XXXX. Please note that I have never been in pre-forclosure for this mortgage.. It is my strong belief that Ocwen is allowing this to be reported to keep me from refinancing my current loan that has a high 7.5 % interest rate. I do not see this information when I pull my consumer report, but mortgage companies see and inquirer about it when I apply for credit and have previously asked for an explanation. American Home Mortgage Homeward Residential and Ocwen all have a history or unethical mortgage servicingpractices along and AHMSI and Homeward faced a a class action law suit, one of the reasons they keep changing their name and reorganizing their business.
Product: Credit reporting or other personal consumer reports

Immediate Deletion of Unauthorized Information from Credit Reporting Agencies I demand that LexisNexis Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.