23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage summer XXXX tried to catch up, thought I worked out a payment plan with XXXX XXXX and it append that I did n't, My wife was diagnosed with XXXX XXXX XXXX, had XXXX when she was 6 months pregnant I had to pay upfront for her XXXX plus all the time off from work for booth of us, with hardly no pay, she was of f work for almost XXXX months, gave birth on XXXX XXXX XXXX her doctor made her take 3 months off work, I was laid off so I was out of work for almost 3 months a total of XXXX months with no income, I tried to work on a modification with XXXX XXXX in XXXX XXXX, the person working on my Modification would not have a result I called every other day to get a response, nothing no result, the last day of the modification I was notified that the person working on my modification never got to do it because she forgot those were the reps words, then I was denied. XXXX applied for a modification waited more than 30 days and was then again denied, XXXX applied for a modification and was then again denied no significant reason was given to why I was denied, every time I called I was given a different story, after several packets being denied on XXXX of them the agent working on my modification had added another persons income information to my loan and I was denied I XXXX applied because the information they had was not mine, I was finally approved XXXX/XXXX/XXXX when I was told by a rep. I received the modification approval letter by mail on XXXX or XXXX I called them again, asking why I received the letter so late rep stated that I should of received it sooner and that my first payment for the modification is XXXX/XXXX/XXXX for XXXX I told [ d the rep I do n't have that money right now, his response was well you have n't paid your mortgage you should have of saved that money so you can pay so you have to pay. it is not their business to know if I have money or not, I recently left a job and started a new job on XXXX/XXXX/XXXX I was out of work for XXXX weeks, no pay. they do n't take in consideration and I was told so many different stories on my modification it is silly, and frustrating, I honestly do n't wish to loose my home but they can not send me a letter with in a couple of days saying I have to pay so much or my modification will be denied, and I will loose my home. I feel I have been played by XXXX union plenty. I need help to get this resolved I wish I would n't of use my mortgage money to pay for my wife 's XXXX but everything happened so fast.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's acti

ons may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Here its the inaccurate accounts : XXXX XXXX XXXX  Account number XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX  XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX
Product: Debt collection

I have received multiple phone calls from someone named XXXX XXXX and XXXX XXXX from the " Legal Department at XXXX XXXX '' debt collection agency. I later discovered that this is a fraudulent company who has called under other company names such as " XXXX XXXX XXXX XXXX Department and XXXX XXXX XXXX  Department ''. They have called me from multiple numbers ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I was informed that they would contact my job to have my wages garnished and contact my local county courthouse to pursue an out of court settlement. I have been harassed to a point of distress. I have requested for them to stop contacting me, but they have continued to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 unauthorized inquiry and 3 accounts with wrong dates of last activity and 1 account not mine and 1 account to validate and my name is wrong it needs to be deleted and 4 previous employers that are not correct and need to be deleted and 2 previous addresses that are not correct and need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or  used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Product: Vehicle loan or lease

I am from XXXX and speak OK English ( I have asked a friend to type this ). My husband and I purchased a car from Volkswagon XXXX XXXX in XXXX Utah. We decided we did not like the car so we went to another dealership to trade the car in on another purchase. After the purchase was finalized on the new car the new dealership called us back and told us that the XXXX car was a lease and not a sale ( we did not know this ). We thought we had purchased the car and did not know what a Lease was. On XXXX/XXXX/2017 we went to the XXXX dealership and returned the car so that we could keep our new car ( we have a signed letter from from the XXXX dealership stating they received the car back on that day ). We then noticed that our Volkswagon payments for XXXX 2017 and XXXX 2017 continued to be pulled from our bank account, so on XXXX XXXX, 2017 we returned to the XXXX dealership and spoke to the person who had accepted the car ( XXXX XXXX ) who confirmed he had received the car back and wrote us the letter stating he had received the car on XXXX/XXXX/17, he then contacted other people to tell them to stop billing us for the car. In XXXX 2017 we applied for a mortgage loan and were told that the car was listed on my husbands credit report as 60 days delinquent with XXXX and XXXX payments showing missing which was dropping his credit score significantly.
We called the dealership back and were told that they did not know that they had the car ( although the salesperson said it had been sitting out in the lot for several months ). They had me call the financing company and tell them that we had returned the car and ask them to fix my husbands credit. They have refused to fix the credit and they kept the car for 6 months without removing it from my husbands credit report or reporting it returned.
Last week I spoke with the financing office again and they said the car was auctioned and we now have to pay an additional {$14000.00} before they will fix the credit and they say they will still not fix the credit. We have not received any letters about this yet. They say the car was sold at auction for less than what I owed on it and that is why I owe {$14000.00}. They have refused to provide me proof of what the car was purchased for at auction. If this is the case and a car worth {$26000.00} ( according to the financial office ) was actually sold for only {$12000.00} then I should have been allowed the option to sell the car on the open market myself and recoup the funds instead of the dealership getting paid twice for the car ( once from me and once from the new owner ).
<P/>
No one told us that the dealership would charge us this extra money for returning the car and they have the car and should not be charging us extra money.
The dealership should not be able to continue to charge us for the payments they took after they got the car back in XXXX and they should be responsible for removing the negative debt from the credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 at XXXX XXXX, I mail my dispute letters to Experian via certified mail ( Certified Mail Tracking Number XXXX  XXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters and to remove an old address XXXX XXXX XXXX XXXX from my credit report. They keep mailing me a balance statement with a breakdown without proof of my wet signature and wont remove the old address from my credit report where I have never lived at.
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 XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX 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 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Product: Debt collection

An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers
Product: Mortgage

At closing my initial escrow starting balance was {$1400.00}. However, my 1098 from my lender Homebridge Financial Services XXXX Inc shows my starting balance was XXXX. Homebridge Financial Services, Inc was paid towards my tax escrow for XXXX. However, I received a letter from XXXX County stating I was delinquent on my taxes and that a tax lien was going to be placed on my property on XX/XX/XXXX as my taxes were due in XXXX of XXXX. My mortgage lender Homebridge Financial Services , Inc failed to pay my taxes and when I tried reaching out both by email and phone I couldn't get anyone on the phone to actually look at the closing documents or pay the taxes prior to the lien date. I was given a run around all the times and I was hung up on several times when I asked to escalate the calls. Therefore I had no choice but to pay the {$1600.00} of the taxes out of pocket and use a credit card plus my saving so my house wouldn't go on sheriff sale on XX/XX/XXXX as the county had said that would have been the date the house would go on sale on. I have attempted to call my lender so can they refund me my money including all the interest on my credit card and the penalties that was charged to me by my county. All the times I have called Homebridge Financial Services the people are rude and will not listen to my issue and will not even look at the closing document to see what happened. I have had to retain an attorney to get this resolved and have paid retainer fees out of pocket just to get them to do what is right and what should have been done from day one. My emails have gone unanswered at all. I also tried getting my Mortgage Broker to reach out to someone within the company and have not had any luck and the closing attorney have not been able to help outside of sending me my copies of the closing documents showing Homebridge Financial Services , Inc was paid at closing and it is out of their hands.
Product: Credit card or prepaid card

The secured credit card organization First Progress issued by Synovus Bank. The organization strategically delayed payment processing until after the due date in order to post a late payment fee to my account.
Product: Debt collection

XX/XX/2023, I received an alert to XXXX account about a new collection inquiry on my credit file. The collection account that is illegally reporting on behalf of the FCRA law with invalid debt, is Southwest Credit Systems with the original creditor, XXXX XXXX which is on behalf of Spectrum internet services. Since XXXX is the wifi provider for my household as of today, I called XXXX the day the collection was reported, to confirm my XXXX balance and good status with the company. Spectrum did confirm on the phone call, that it was a mistake on their end and stated they would send a dispute form to Southwest Credit System on behalf of the collection and request a dispute to the credit bureaus. I also informed Southwest Credit Systems as well as the credit bureaus, about our conversation pertaining this issue and requested a dispute through my end as well. Unfortunately once again, my credit file is not being taken seriously with the invalidation to this debt so I am kindly requesting a deep dive investigation with the help of making sure everything on my credit report is properly correct. I would like to get this taken care of as soon as possible since it is pertaining a debt that does not exist between XXXX and I, that is affecting my credit report and credit goals. Thank you for your help in advance!
Product: Debt collection

I originally owed my utility services a balance for a gas bill. I made payment arrangements with them, and paid the balance in full XX/XX/XXXX. I have no contract with this company, and Im unaware of why theyre reporting on my credit report. I tried contacting them XX/XX/XXXX to resolve this matter with no resolution.
Product: Debt collection

I have received payment arrangements from XXXX XXXX XXXX of {$55.00} every two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you with grave concern about the unauthorized reporting of a minor delinquency on my XXXX XXXX XXXX account to my credit profile. This situation has not only unfairly impacted my credit history but has also violated the rights that exist to protect XXXX servicemembers like myself. 

Issue at Hand Name on the Account : XXXX XXXX Regulations Violated : Honoring Duty and Protecting Rights This situation represents a blatant violation of the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), legislations designed to honor the commitments of XXXX servicemembers and safeguard their financial well-being. These statutes are in place to ensure that those who selflessly serve our nation are not subject to unjust financial repercussions, especially those arising from circumstances beyond their control. 

Specifically, this unauthorized reporting potentially contravenes SCRA Section 3952, which mandates protection against default judgments and stays of proceedings for servicemembers unable to appear in court due to military service obligations. Furthermore, the unauthorized reporting of this delinquency without my consent raises concerns about the accuracy and integrity of my credit profile, potentially infringing upon FCRA Section 605 ( a ), which requires the accuracy and completeness of consumer report information.
Product: Debt collection

On XX/XX/year>, I received a debt collection letter from Media Collections Inc XXXX Joseph , Mann & Creed regarding a loan of {$1500.00} ( Letter Ref XXXX ) owed to XXXX XXXX Bank ( Acct # XXXX ) as of XX/XX/year>. I called XXXX XXXX Bank, but they couldn't locate this account, I provided my social security number to the bank, but they couldn't find any loan under my name. After the call with the bank, I called Joseph , Mann & Creed, and asked where they got the loan info. They transferred XXXX different customer service folks for my simple question, the last guy asked me to file a dispute with them with my personal information and hung up the call. I highly doubt that they send out fraudulent debt collection letters and cheap on people who won't check the loan details. Meanwhile, I am unsure how they got my name and address since they refused to provide more info to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO FIX THIS PROBLEM SEVERAL TIMES WITH THE DEBT COLLECTOR THE COLLECTION WAS REMOVED FROM XXXX AND XXXX THE CONSUMER SHOWS THE ACCOUNT IS CURRENTLY OPEN AND ON THE CLOSED INFO THE IS NO INFORMATION AND THEN HAS THE DATE REPORTED AS XXXX ALSO I NEVER ATTENDED XXXX COLLEGE I HAD TO DROP MY CLASSES DUE TO MY TRANSCRIPTS ON HOLD AND I NEVER ATTENDED A DAY OF COLLEGE AT THIS SCHOOL AND THEY DID NOT DROP MY CLASES IN TIME AND STILL CHARGED ME AND SENT ME TO A COLLECTION AGENCY AND REFUSE TO MAKE PAYMENTS AND I NEVER ATTENDED SCHOOL
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent Experian, XXXX XXXX XXXX   certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.
Product: Credit reporting

I sent a dispute on XXXX/XXXX/15 asking for Equifax to validate the debt of XXXX XXXX and XXXX XXXX XXXX # XXXX account belonged to me with documentation showing it was mine and the amount owed. On XXXX/XXXX/15 XXXX they sent me a statement verifying they validated the debt belonged to me. on XXXX/XXXX/15 I sent another request asking them to verify the method used to validate the debt and to send proof of documentation. On XXXX XXXX they sent me a confirmation XXXX saying they verified the debt again with no documents or method of verification. This has been an ongoing issue and they have failed to properly verify the debt by proving it belongs to me and showing me the documents. It is not my job to validate the debt is not mine but it is their job to validate the debt is mine. On XXXX XXXX I asked for the method of verification again and today on XXXX/XXXX/15 they again sent me they verified the debt. I also reached out to the collection agency and was told they would furnish me all the documents and I never received them.
Product: Bank account or service

I normally have my pay check deposited onto my rushcard every two weeks. This week when I checked the money had been loaded onto a card that i havent used in years. When I contacted customer service i was told there system is down and they were working on this. I have called 4 or 5 times. I have been hung up on and put on hold.Today i was on hold for 2 hours. I have no access to my paycheck at all. I feel this problem should have been resolved over a week ago. They have no plans on reimbursing me for late charges I 'm going to recieve for payments I am unable to make. I just want my money.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I was contacted via XXXX to make a purchase. The person keep pressuring to send money and the person seem genuine at first, but it was a scam. The person failed to deliver what was promised and I got screenshots of the chat to show all this. Basically the person kept asking for money and when i delivered, they didn't hold up their end of the bargain and so I eventually moved the conversation to archive so that I don't see them spamming. My claim was automatically denied as soon as it was open. I tried to contact XXXX, but all they did was tell me to ask the " scammer '' for a refund, which we know they won't refund the amount, so I tried contacting my bank directly and they won't do anything either. Overall, I did not get any service promised so I suspect a scam and the person keep asking me for more and more money as well.
Product: Debt collection

Company is reporting false information. Notate of this false info as well as supplied FTC ID theft report. Company refuses to provide accurate verification instead of printed documents bearing my printed name.
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. 
All accounts on credit report has violated my rights. 


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.