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

I STILL SEE REMARKS ON MY XXXX CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.
Product: Mortgage

My servicer, Midland Mortgage has approved me for a loan modification to bring my loan current. Midland has set an auction sale date on XXXX that starts on XX/XX/23 and ends on XX/XX/23. The first set of loan modification documents that I sent back to Midland, they said the notary made a mistake on the documents and they had to mail a new set out. The law firm that represents me in the foreclosure case has repeatedly reached out to Midland 's attorney to cancel the sale as there is a resolution to the issue that I have agreed that I am accepting. Midland 's attorney stated that Midland will not cancel the sale until they received the completed loan modification documents back and they are finalized. That is completely unacceptable as I still have not received the new set of loan modification documents they want me to complete as well as the law firm that represents me said they have never seen a servicer take this stance in all of the years they have been handling mortgage foreclosures when a resolution has been reached. The law firm has filed a motion with the court to withdraw the sale, but I am asking the CFPB to intervene as this is not right. I appreciate your assistance in getting them to cancel the sale. Thanks
Product: Credit card

Last month I received my normal monthly statement from XXXXXXXX XXXX XXXX I decided to pay off the credit card since they have now started charging me a monthly fee to send a statement to me each month. I paid the total amount due in full plus an additional small amount for a purchase that had not been posted to my account yet. This month I received my new bill expecting it to be a XXXX balance but to my surprise there is a new charge of {$38.00} on my account. When I called Synchrony, I was told that the way they calculate interest it doesn't appear on the bill until a month later. This is an obvious rip off of consumers! When they send an invoice out with a balance amount clearly printed on the statement there is no reasonable explanation to send out another bill the next month for an additional fee. Clearly this is just a scam, and this company and bank should be exposed and punished for their deceptive tactics!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus TRANSUNION, XX/XX/XXXX, XX/XX/XXXX for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XX/XX/XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Product: Mortgage

I have a property that was scheduled to close on XX/XX/2018. The buyer already had a mortgage commitment letter from Citizens Bank in XXXX RI. One hour prior to closing the closing attorney for the buyer notified me that Citizens Bank would not release the closing paperwork and would not provide the closing funds to the buyer. I had a closing on a new property scheduled for XX/XX/XXXX in a different state and my furniture was already in transit to clear the property for a walkthru. By denying the load at the last minute, it caused both closings to fall through and now my property is back on the market and I am currently renting in the new state. I called Citizens Bank to get an explanation on why they waited until the last minute to deny the loan to my buyer and they would not provide any explanation. The lawyer stated that it was because of a another property that the buyer had that was properly disclosed during the loan process. I have spoken to several bank managers and was told this should not happen hours before closing. This situation has caused me thousands of dollars in unexpected expenses and now I have to put my house back on the market at a less than ideal time of the year to sell.
Product: Debt collection

I have a debt with XXXX XXXX. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from Cooling & Winter about a garnishment lawsuit that has been filed in behalf of XXXX XXXX. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach XXXX XXXX within the last 2 weeks to make some payment arrangements but, no return call as of yet.
Product: Credit card or prepaid card

I had recently had a direct deposit to my account, They immediately held the funds It was my unemployment benefits. 
I have faxed And emailed all documents they have asked for, and they have yet to release the funds. 
They are giving me the run around. 
This has been going on for 2 weeks. 
Every time, I send the papers, and call them, they tell me to send another document. Just keep adding on, I have sent them the most personal and confidential and financial documents.ID, social, W2, check stub, explanation of funds, phone bill
Product: Credit reporting

I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : 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: Bank account or service

A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] In XX/XX/XXXX ) I disputed the following account ( XXXX XXXX XXXX Account # XXXX ) In your letter of XX/XX/XXXX and your report # XXXX you have properly deleted the circled account. In my current report the subject account has been fraudulently re-inserted to circumvent the regulations of the law.I am hereby disputing this fraudulently re-inserted account. Please furnish me with the following ; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information. ( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Product: Debt collection

On XX/XX/XXXX my husband, took out a loan through Scratch Services, XXXX of XXXX XXXX CA, a XXXX loan. The amount he/we borrowed was around {$8500.00}. We considered this a very small loan and intended to pay for it over six months. 
Email communication with this company has from the start verged on harassment from the beginning, along with nagging for us to give them our checking account number so we could allow them to take the money out of our checking account automatically every month. I, his wife, handle the bills in our house, so I arranged payment. 
The first payment was due XX/XX/2022. Through autopay out of our checking account we arranged to send the company a paper check on XX/XX/XXXX, nearly two weeks before the due date. 
The very DAY it was due, XX/XX/XXXX, he began to get multiple emails from the company saying it had not gotten our check and telling us to enroll in services which would give them access to our checking account, which we didn't want to do. At the same time the company 's email said it took 15 DAYS to process paper checks. 
Multiple emails and phone calls between us and the company followed. I began to feel like this company was not a legitimate company. We talked to multiple people to straighten this out. My husband had to make me an authorized user on the account, which he did. so I could communicate with this company, as I handle the bills in our house. Finally, having the company swearing they never got the checks I sent, I authorized, over the phone, a one-time payment from our checking account for nearly {$1500.00} on XX/XX/XXXX because I didn't want our credit rating to be affected. 

Of course, two days later they found our checks- which my bank account had issued a stop payment on - and cashed them!!!!!! I called about it and Scratch XXXX now says I am not an aurhorized user, that my husband will have to authorize me every time I talk to them. I have owned four houses and have a perfect credit rating, as does my husband, and this is the worse lending company either of us have ever dealt with. I intend to file complaints with every single government agency or website to tell people they would be better off borrowing from any institution than Scratch Services XXXX. It's been an awful experience for a loan that is tiny. After I write this I will pay off the entire loan because I can't stand dealing with such incompetence for ten more minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY WAS USED BY SOMEONE ELSE
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account # XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question.

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency. 

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details.

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law.

3. Documentation proving that the reporting complies with the Metro 2 format guidelines.

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported. 

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. 

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. Remove inaccurate account immediately. 

Sincerely XXXX XXXX
Product: Vehicle loan or lease

I returned my lease on XX/XX/XXXX ( the lease was technically over XX/XX/XXXX ). I received a bill on XX/XX/XXXX from XXXX XXXX XXXX for {$110.00} in property tax for XXXX. I started receiving regular calls to collect the balance for the entire year. I spoke with multiple representatives and supervisors to express that I did not believe I should have to pay property tax for an entire year on a vehicle that I only leased for 8 days in XXXX. I asked multiple times to have my contract sent to me to prove that I was responsible for paying property tax even after I returned the vehicle. I have called the XXXX XXXX Central Appraisal District multiple times and they told me they can not split up property tax charges and so it would be up to me to deal with XXXX. I calculated the daily cost of the property tax, and based on returning the vehicle on XX/XX/XXXX I should be responsible for {$2.00}. I have tried multiple times to make a partial payment on the account in the amount that I feel I should be responsible for but was told that the amount was too small and couldn't be processed.
Product: Debt collection

I spoke with CarMax Auto Finance ( C.A.F. ) on XX/XX/year> in regards to a debt my ex wife owes on a vehicle she financed through C.A.F. And I co-signed for her. They stated that my credit would reflect non payment if her debt was as not paid. 

She stopped making payments resulting in a less than {$2000.00} debt. I gave C.A.F. Her contact information. They have consistently called a few times a week since then. 

Between Sunday XX/XX/year> to Wednesday XX/XX/year> they ( C.A.F. ) have called my phone number and left voicemail messages XXXX separate times which according to my understanding of the Fair Debt Collection Practices Act is excessive. 


Attached is a screen shot of this call history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Wells Fargo about a fraudulent account on my credit report in XXXX, call them back XXXX about the same account a Wells Fargo CRD SVC and they notify to me that my social security number those not match this account, I contact XXXX, XXXX and they do not have this Account on my Credit Report, I contact XXXX and it show on there Credit Report I let XXXX know this account is fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unidentified account appearing on my Equifax credit report. This account lacks crucial information, including the creditor name, account type, and date opened, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ). Details of the Disputed Account : Account XXXX Account Type : [ Unknown ] Creditor Name : [ Not Listed ]. The account lacks essential identifying information, making it impossible for me to verify its accuracy or legitimacy. Equifax is the only credit bureau reporting this account XXXX. As per FCRA regulations, credit reporting agencies are required to provide accurate and complete information on consumer credit reports. Therefore, I request the immediate removal of this unidentified account from my Equifax credit report. A copy of my Equifax credit report highlighting the unidentified account ( attached ). I request a prompt investigation into this matter and a written response within 30 days of the date of this letter, as mandated by the FCRA. The response should detail the steps taken to investigate my dispute and the final decision regarding the removal of the unidentified account. If the account is not removed, I will be forced to pursue further action, which may include pursuing legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to let you know that I got into terrible situation as I have strange accounts in my credit report. I do not know them absolutely and I think its a big mistake or someone just filed these accounts illegally. I can not understand why I have them in my credit report still. The situation is out of control and I ask you to find out the reason of these accounts in my credit report. Thank you Also please remove them if you have a chance after investigation.
Product: Debt collection

My name is XXXX XXXX, and I had my identity stolen in XXXX. I contacted all major credit unions and informed them, along with police reports. Today, XX/XX/XXXX, I looked at my credit reports, and upon my looking, there were an ungodly amount of hard inquiries on all three major credit unions. I would like for them to be removed. I tried contacting them myself one by one, but there was no solution. I believe that, due to their indilgence, I would like them all removed. Thank you. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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

I am disputing Bankruptcy XXXX on my Transunion credit report. On XX/XX/XXXX TransUnion has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can TransUnion verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with TransUnion and has even attempted to contact TransUnion to have the Bankruptcy removed from my credit report. TransUnion states that you can get more information about how they verify public information records by going to the website www.transunion.com/legal/public-records. When you go to this website it states that TransUnion gets their information from XXXX. XXXX does not have any bankruptcy information for me. So XXXX DID NOT verify that this bankruptcy should be reported by TransUnion. 

By continuing to report Bankruptcy XXXX on my credit report TransUnion is violating the Fair Credit Reporting Act and can be fined up to {$1000.00} per occurrence.
Product: Debt collection

On XX/XX/XXXX I reached out to the team at GOOGLE XXXX  about my homes thermostat app no longer working properly This no longer allowed me to change my homes temperature remotely. I was then informed by a team member that my unit was part of group recall. 

I asked what would be the protocol with swopping out the defective units. I was then informed I would need to pay nearly {$300.00} up front first, then send the unit back before they would release a new unit out. Once the new unit was sent out I would get a refund once the old unit pass through inspection Thus I was completely shocked with the companies remedy to fix a know problem. I then asked to escalate my concerns to manager because I didn't feel like the fee was fair to me the consumer. 

Its now XX/XX/XXXX and I still haven't heard back from a manager. I have called back several more times speaking with different associates, yet no manager.

My units internal battery now randomly dies, thus not allowing me to check the temperature in my home for 3-5 hour while the unit recharges. 

Case ID XXXX
Product: Debt collection

My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.