23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Consistent and ongoing problems with making monthly payments. My account number is frequently responded to as " invalid '' along with my phone number, both of which have remained unchanged during the nine years I've had my loan with this company. My attempts to resolve such issues require massive amounts of time that I can not spare on the telephone and are always temporary, as it is a recurring problem. Their files are slow to update payment information that I've made which has already been confirmed by my personal bank. The only payment option that doesn't add a $ XXXX/month 'fee ' is their AutoDraft option, which would require me to give them access to my bank account which I'm entirely uncomfortable doing, given their nine years of apathy, lack of customer service and administrative incompetence. They shouldn't be able to force me to add a {$10.00} fee to every payment. These same issues have to be resolved almost monthly with hours spent on the phone to get results. I've tried to communicate the problems to their customer service representatives, but with no resolution and they refuse to allow me to speak a supervisor or anyone else in a position of authority.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach, and as such, I request the immediate blocking and deletion of any accounts related to this incident on my credit report, in accordance with 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), you are required to block and remove any information on my credit report resulting from identity theft or a data breach that is not verified as being legitimately associated with me. Given that I am a victim of this data breach, I request that you immediately block and delete any accounts that are linked to this breach, as I have no knowledge or involvement with these accounts.

Please find the relevant account information below for your reference : The following accounts have been impacted : XXXX XXXX  Account Number : XXXX Amount : {$470.00} Date of Closure : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$3000.00} Date of Closure : XX/XX/XXXX I also request that you provide me with confirmation in writing that these accounts have been blocked and deleted from my credit report. I trust you will take immediate action to comply with this request as required under federal law. Failure to do so will result in the escalation of this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other necessary regulatory authorities. 
Please block and remove these accounts within four business days, as this is preventing me from being able to open a bank account and causing me significant distress. Failure to delete the above-referenced accounts from my report and provide a corrected copy of my credit report once the changes have been made will leave me no choice but to pursue legal action. I will seek damages of {$1000.00} per violation for the following reasons : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Violations of the Fair Debt Collection Practices Act, 15 USC 1692g Violations of the Fair Credit Reporting Act, 15 USC 1681, specifically regarding willful noncompliance under 616. Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding an issue with my credit report. Upon reviewing my credit report through my report provider, IdentityIQ, I discovered that there is no data, scores, or other important information present in my report. 

This missing information is concerning, as it affects my ability to monitor my credit status and ensure the accuracy of my credit history. I rely on this information to manage my financial well-being, and the absence of such critical data hinders my ability to make informed decisions. 

I am requesting that XXXX, Experian, and XXXX promptly investigate this matter and take the necessary steps to resolve this issue. I would like my complete credit report, including all relevant data and credit scores, to be accurately reflected and accessible through IdentityIQ.
Product: Mortgage

Submitted a request for subordination to Huntington bank via XXXX overnight delivery, confirmed delivered on XXXX. Written and verbal turn time states 15 business days. It has well exceeded that time frame, by many weeks and the bank refuses to return my phone calls. I have called numerous times begging someone to call me and tell me what the status is, did they lose the paperwork? What is going on- they wont call back. They are holding me hostage from being able to refinance my first mortgage info a more affordable loan, this is unacceptable to refuse to communicate with me. My rate lock has been expired for weeks due to their refusal to cooperate and there is absolutely nothing I can do to refinance until they respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian are all knowingly report accounts on my consumer credit report without full compliance of the FCRA. 

Multiple accounts reports as verified but still reports accounts is inconsistent with all of the major XXXX credit reporting agencies. Incomplete name and address currently being reported. 
Unverified and inaccurate balance and past due amount. 

XXXX accounts that has not been verified through methods of authentication as required by federal law. 

Old accounts and or reinstated accounts which has not been notified XXXX business days prior as required by federal law Misleading information being reported to damage consumer Credit. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX misleading account name and address on all three major credit reporting agencies including XXXX XXXX and experience violation, inaccuracy, incomplete reporting XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  creditors name and address. Violation of federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Resurgent Capital Services provides me with competent evidence that I have any legal obligation to pay them. I am asking Resurgent Capital Services to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my WET signature stating that I have agreed to assume the debt. 3. VALID copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the Statue of Limitations has not expired. 5. Complete payment history on this count along with an accounting of all additional charges being assessed. 6. Tell me that you are licensed to collect my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Resurgent Capital Services immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that Resurgent Capital Services agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Resurgent Capital Services agrees to remove my personal information from all accounts in its companies database.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$2900.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX # XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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

In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXX dealer services account # XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX card services account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX. Account # XXXX 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.
Product: Mortgage

I would like to file a complaint on Pennymac Loan Services regarding the servicing of my mortgage loan. Also, I do not believe the appropriate guidelines relating to the foreclosure process were followed. I was formed that the demand used for foreclosure expired on XX/XX/XXXX, but I made multiple payments in months of XXXX and XXXX to bring my account current. My home was referred to foreclosure again on XX/XX/XXXX, and ultimately placed on hold XX/XX/XXXX due to COVID-19th. I was still allowed to make payments over the phone on XX/XX/XXXX and XX/XX/XXXX. I attempted to bring my account over the phone again on XX/XX/XXXX and Pennymac Loan services wouldnt accept payments even after doing so on the dates I stated above.
Product: Credit card

SYNCHRONY BANK HAS CLOSED SEVERAL OF MY ACCOUNTS THAT WERE NEVER IN NEGATIVE STANDING. THEY HAD NOT BEEN USED FOR A FEW MONTHS. I WENT TO TRY AND USE SOME OF THE CREDIT CARDS AND THEY HAD BEEN CLOSED WITHOUT MY KNOWLEDGE. I DO N'T UNDERSTAND WHY THEY WOULD DO THAT TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX, Transunion, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX, Transunion, and XXXX. The problem that I am having is, XXXX, Transunion, and XXXX, still have payments late for year XXXX and XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX, Transunion, and XXXX responsibility to correct the problem and XXXX, Transunion, and XXXX says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
Product: Checking or savings account

This is concerning a Simple account that transferred to BBVA. According to the revised account terms, there should be no charges for using an XXXX ATM. However, when checking the card information on the BBVA app, it shows that there are charges for using an XXXX ATM. Account terms are at : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 i was receiving notifications that someone was taking money out of my account in the amount of XXXX XXXX XXXX XXXX it was a total of XXXX transactions I immediately called pay pal to let them know what was going on, and to hurry and turn off my card. I was told then i could not file a dispute until the transactions were no longer showing up as pending. I called back the next day to get this resolved and i was told to file a dispute. i filled the dispute and then notice that it was more transactions in my account that i did not complete. With filling my dispute i added them as well. on XX/XX/XXXXi received a notification that i will not be paid. I then contacted PayPal in frustration about my hard own money. That representative was nice and understanding stating they would have a analyst call me back. i received a call on XX/XX/22 from XXXX of the rudest people i have talked to in my life not only did she hang up in my face but she would nit transfer call to another supervisor ( she claimed she was the supervisor ) or even attempt to resolve my issue.
Product: Debt collection

This is a new complaint and new subject. Has nothing to do with the prior complaint. 
Capital One received a cease and desist. Capital One continues to send statements in the mail to me after receiving a cease and desist from me. Capital One also has not reported the alleged debt as disputed to any of the 3 major credit reporting agencies. Capital One is in clear violation of Federal Law.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up with my previous complaint that is still open XXXX and bring to your attention a concerning matter regarding my credit report and the recent unauthorized hard inquiry made by XXXX without my explicit consent.
Product: Debt collection

Hi, Thank you for your time in reviewing my case. 

I have just been notified by XXXX that I have 3 different derogatory remark in 1 day for debt that I have 2 years ago. 

The thing is, I was not informed in any way or form that I had debt to settle and it was sent to collection. Since it did go to collection, I was not given the chance to settle the debt before it was listed on my credit report. 

I have contacted the debt collector so that I can settle the debt and have them remove the 3 separare derogatory remark in my credit report. However, they insisted on leaving the report on my account even after offering to pay their 'discounted offer ' of {$56.00} by a female agent named XXXX . 

It is not fair that now my credit is greatly affected even after I were to decide and pay that amount without giving me the chance to settle the debt. 

I have been working hard to increase my credit score for the past 6 months, this will surely hit my score and reduce my chances of getting a mortgage for a house. 

I would really appreciate it if we can work something out so that all parties involved will be treated fairly. 

Again, thank you so much for your time. 

Best regards, XXXX XXXX
Product: Debt collection

The amount that was given and talk over is n't the amount report!!!!!!
Product: Debt collection

The company responded on XXXX XXXX they sent a letter requesting deletion of this account. As of today XX/XX/XXXX, XXXX still show that the account is negatively reporting to their agency PLEASE SEE the previous response from Medical Data Systems : XX/XX/2022 Complaint Case No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX XXXX has submitted a deletion request to the credit bureau on the above mentioned account due to incorrect debtor information upon placement in collections. No other contact has been made on this account. Attached is the credit bureau deletion letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector.
Product: Debt collection

Automotive Credit Corporation has been taking my State Income Tax since XXXX it is XXXX and they will not update the correct owed amount if any at this point! I have attempted to resolve this error numerous times, the car was handed back over to them voluntarily it was a botched deal they charged me originally $ XXXX for a XXXX  that was 10 years old with problems they were aware of but I wasnt when I purchased the vehicle which was reported as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX XXXXXXXX XXXX XXXX XXXX  inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was XXXX  for XXXX  years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX
Product: Checking or savings account

Someone Ruining my Financial Stability, Harrasing me, Been treated as an Experiment for you all Purposes. 
What about civil rights and My privacy rights been Violated. 
Just a simple Information Was Not Yours Don't Fix The Chaos Created in my life. 
I don't Approve the Solution Process been addressed in private that's why i request help in public to clearify myself. 
Now Respecting To Wells Fargo They Open a New Account On My Name Online But I Went to the Branch physically and They didn't let me open a new account and the guy even told me he wasn't going to be able to help me thru the process of resolving my identity theft issue. I went to the Branch a Month ago to make corrections in my name and It got worst with Now setting me as a Business With a TIN instead of an ITIN I have and Still got promised a Debit Card That never got delivered.
Product: Checking or savings account

Wells Fargo charges me fees on my acct I had a checking acct with them sometime between XXXX and I have not received payment from them like everyone else has
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : 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 reporting agency can not furnish an account without my written instructions.
Product: Mortgage

SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. 
Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. 
The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 
Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS # XXXX XXXX XXXX  XXXX XXXX ) XXXX Equifax information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Subject : Urgent Dispute of Identity Theft and Inaccurate Information on Credit Report Dear Equifax, I am writing to urgently dispute an account on my credit report that is a result of identity theft. The account in question, reported by XXXX XXXX XXXX, does not belong to me and needs to be removed from my credit report immediately. The details of the disputed account are as follows : XXXX XXXX XXXX, Account Number : XXXX. I received an email stating my case was still under review and no changes were made too my credit profile. I mailed all information requested FTC Identity Theft Report ( Report Number : XXXX ) and other personal information on two separate occasions, as requested by a previous Equifax investigator. I request that you provide me with the status of this case and remove the inaccurate information from my credit profile without further delay. Please find enclosed a copy of the FTC report and any other relevant documentation. Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. Sincerely, XXXX XXXX