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

XXXX XXXX XXXX incorrectly placed a debt of {$980.00} on my credit report, saying that I co-signed an apartment lease with someone who I do not know anything about. I did no such thing, and do not know any XXXX XXXX. I have filed a required form with this company to dispute this, but have not heard back. 

When I disputed this with Experian, they stated that they verified this as correct. My complaint is that they did not do an adequate investigation and falsely labelled this as correct. If they can even tell me the date when this lease was signed, I could show them where I was on the day the lease was signed as I am a XXXX  with documented activities everyday. They could have checked the signature too to see if this was mine, or the SSN or driving license number if this information was on the lease. However they did not do anything worthwhile and send me a one line response saying 'that the information was found to be correct '. 
Repeated attempts to engage them on their website have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXReference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

My name is XXXX XXXX XXXX, XXXX s.s no.XXXX account no all I have is the last four no. XXXX XXXX Someone using my social security number managed to obtain a XXXX credit card using my social security number under the name XXXX XXXX XXXX. The person or persons purchased some products from XXXX totaling {$780.00}. Im disrupting the charges because this a case of identity theft.
Product: Debt collection

About XXXX my job was closing down. I contacted Discover Financial Scvs and spoke with a XXXX I told him I am about to XXXX XXXX XXXX and requested an interest rate reduction. He refused me and told me that the best he could do for me was close the card. I told him I did not want to close the card and reminded him of my positive payment on the card since I obtained it. He didn't care. I got a XXXX pay and paid up card and requested to close the card. 

By some mysterious reason, the card was still active and being used intermittently by someone. I didn't know anything like that was happening in the background. Nonetheless, the card was charged off and Discover Card sent me a 1099C ( which is a Charge Off document I was to file on my tax return as income and I paid taxes on it as income about XXXX and/or XXXX. 

However, Discover Card continues to report the item on my credit file as a Charge-off. Since Discover Card charged off the balance, issued a 1099C, and I paid taxes on the amount as income, it is erroneous to be reporting it on my credit. It's a done deal, I paid taxes on it as income. So it needs to be removed from my credit or not show it as a Charge-Off. 

Yet, on XX/XX/XXXX, Discover Financial Svcs did a hard pull on my credit without my knowledge or consent. That was a willful, deliberate and spiteful act on the part of Discover Financial scvs. I would like the to remove the item from my Credit File.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered that someone had purchased {$500.00} off of my child support card through a company called XXXX. I called the customer service number on the back of my card, was transferred to the fraud department and a started a claim to get my childs money back. I closed the card and received a new one in the mail. I also received all of the fraud paperwork to fill out, which I did and sent back in. On XX/XX/XXXX they refunded my childs money back, saying that it was temporary until the investigation was over, which would take 45-90 days. On XX/XX/XXXX I noticed that they did a debt reversal and sent the {$500.00} back to the company. Ive called the number on the back of my card. Ive called XXXX XXXX, which is the bank that eppicard is through. Ive tried getting ahold of the company in charge of the fraud department, Us Direct Express. On the phone for over 5 hours on hold, and the only person I talked to was from XXXX XXXX  who told me that he talked to an agent with the fraud department eppicard uses who told him that I would only be on hold for 2 minutes, he transferred me and 30 minutes later I was still on hold. Ive even  tried getting ahold of the company that the purchases were made through, and the phone just rings and their live chat doesnt work. I just want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company called Me claiming to be my credit cards bank they tried to convince me they were chase bank by giving me my recent payment information and then tried to tell me I had a payment due and that they would help me lower my interest-rate if I paid the payment. I told him I didnt have a payment due because I just paid it and they tried to insist that it was due and if I just paid the payment they would lower the rate. I hung up on them they called me back told me they were a different company approved by my bank to help lower my interest rate they keep asking me to give them card numbers and I refused multiple times and finally had to just hang up on them. The number XXXX XXXX XXXX from XXXX XXXX. Second call came from blocked number
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to honor and investigate my requests. Instead, Transunion claims that a third party has created and sent the investigation request ( s ) on my behalf. ( see samples attached ) It is known to the public that Transunion has been sending out genetic letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information they provided.

Such action is illegal, as each dispute and challenge must be addressed individually and on its own merits. The letters I sent were created using software available to everyone. ( opensource ) Transunion is violating 15 U.S. Code 5 1681i, which states they must process consumer letters on time based on the assumption that help from a third party may be available. It should not be a legal exception. I authorize any letters they've received with my name on them.

Either my advisors or I wrote them with my full knowledge and consent. I know that no law says I need to provide a Power of Attorney to delay processing letters from a consumer. 

TRANSUNION, PLEASE QUIT DELAYING MY INVESTIGATION REQUESTS IN ACCORDANCE WITH THE LAW
Product: Checking or savings account

The company dont review the attached letter I receive from them. They sent a letter advertising that the charge of overdraft is {$0.00}. They are rascals. Are thefting money from my account before sending a letter advertising that the charge is {$0.00}. They sended a letter without descriptions of the charges. Charged are described as balance cobrado a poor quality statement. Transactions undescribed. A XXXX of response have made these rascals. Read my evidende. Rascals.
Product: Mortgage

Many, many, many times have I requested to have my home appraised for the current market value and to then have PMI removed. I made these requests starting last XXXX, XXXX, XXXX, several requests in XXXX, XXXX and XXXX. I also filed several complaints following my requests with CFPB because Shellpoint Mortgage XXXX REFUSED to advance my request, challenge it as I did, in writing and by phone ( as per Caliber 's guidelines who held the note on my mortgage ). I was told SEVERAL times by Shellpoint supervisors to whom my request and concerns were escalated on the phone, that they would contact the Shellpoint 'PMI ' department and a supervisor there would initiate steps, and also email me the form, for what would have been either an independent appraisal or a BPO, which I would have to pay for.m I never received the forms, or an email. Instead I received declines on all my requests that were based on the new, increased market value of my home ( per market survey data in XXXX ). So EVERY SINGLE REQUEST THAT I MADE SHOULD HAVE MOVED FORWARD UNDER CALIBER HOME LOANS. The most recent response to my CFPB complaint from Shellpoint XXXX, detailing all of this, tells me now that as per XXXX, the new 'indentured trustee ' of my mortgage is XXXX XXXX ( as of XX/XX/2023 ) and the guidelines that they use are XXXX and -- the increased value based on extensive renovations that I undertook do NOT apply or provide eligibility for PMI removal. HOWEVER - EVERY SINGLE REQUEST I MADE WAS WITHIN THE TIMEFRAME THAT, CALIBER HOME LOANS HELD MY MORTGAGE and SHELLPOINT FAILED TO HONOR THOSE REQUESTS, or MOVE THEM FORWARD, CAUSING DELAY AFTER DELAY for MONTHS. And now this agent who responds to these CFPB complaints tries to tell me the new owner/indentured trustee, does not hold the the FNMA guidelines for PMI removal. Well WHAT ABOUT THE 7 MONTHS WITHIN WHICH I MADE THE REQUESTS AND WHEN THE FNMA GUIDELINES DID APPLY SINCE CALIBER WAS THE MORTGAGE OWNER AND FNMA backed my mortgage?? LOOK AT THE CALLS/REQUEST I MADE AND THE TIMELINES- THIS IS A FRAUD AND A SHAM, DECEITFUL AND UNETHICAL THAT SHELLPOINT HAS NOT FOLLOWED THROUGH ON ANY REQUEST I MADE FOR AN INDEPENDENT APPRAISAL TO THEN DETERMINE VALUE AND PMI REMOVAL THE ENTIRE TIME THEY 'PROVIDED SERVICE ' on behalf of XXXX Shellpoint needs to rewind the tapes and listen to all of my recorded calls with their operators and supervisors requesting PMI removal and next steps. Just like when Shellpoint took over servicing of my loan they screwed up my mortagge amount and began charging me for an icnreased mortage that I never took out. It took XXXX MONTHS + to get that resolved due to the inept staff and SHELLPOINT NOT HONORING OR PAYING ATTENTION TO THE MORTGAGE AMOUNT OR THE DEFERMENT AGREEMENT IN PLACE WITH CALIBER.
Product: Debt collection

CBS ( debt collector ) is charging a 35 % collection fee that is prohibited in the State of Tennessee. Tenn.Code Ann. XXXX " Collecting or attempting to collect from the debtor any fee, commission or other compensation not provided by law for collection services rendered to a client ... '' XXXX XXXX XXXX XXXX XXXX ( creditor ) has assured me that they are not trying to collect interest or any other fees, only the amount owed ( {$8600.00} ). I have asked CBS to itemize the {$3000.00} in writing and they refer me back to XXXX XXXX XXXX XXXX XXXX and to my original agreement. The original agreement allows the bank to collect interest, attorney and court fees to the extent the law will allow. Section 808 ( 1 ) of the FDPCA allowed the addition of collection fees when " such amount is expressly authorized by the agreement creating the debt or permitted by law. '' I have spoke with XXXX XXXX regarding the {$3000.00} who advised me that is it a 35 % collection fee of the balance owed ( {$8600.00} ). 
This collection agency has had all the information needed to collect on this account. This account was referred to them in XXXX of 2012, and they have not attempted to collect this debt. The {$3000.00} is a collection fee charged by CBS not XXXX XXXX XXXX XXXX union and these fees where not agreed upon at the time the debt was acquired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got Robbed in tennese XXXX XXXX in my house and i have lost every thing including my credit cards and documents a d certificares and id proofs so depending on that some one tried to apply for credit cards on my name and ssn and they we rejected the application by companies and i have lost my credit score completely and my credit is locked and i cant even apply for any loans or credit cards due to this issue please clear my profile and make my credit to lool good. 
No actions taken by banks and credit card company and fruad applied new credit cards recently. 

I am attaching my police report number -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : [ Account XXXX ] XXXX  XXXX [ Account XXXX ] XXXX XXXXXXXX [ Account XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my XXXX XXXX without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a XXXX XXXX XXXX  can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no XXXX XXXX XXXX may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified these disputed items, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX XXXX NOR THEIR CLIENT has this account number attached to THIS ADDRESS! With a signed contract that bears my signature. And they are electing to leave this error ON my report.
Product: Debt collection

I disputed this account with Transunion and it was not investigated properly
Product: Credit reporting or other personal consumer reports

I submitted a dispute for items showing on credit report. I explain that I was under invest for data breach and sent me a refund check and some items needed to be removed. We went over the items and its still on there
Product: Debt collection

TRANSWORLD SYSTEMS INC has tanked my credit with their derogatory mark, yet have not tried to contact me properly. Constant phone calls with no messages left. I do not answer numbers I do not recognize, so I send them to my voicemail. No letters in the mail either. Only way I tied them to the debt I have been disputing with my light company was when they tanked my credit with their derogatory mark on my credit which I monitor. 
I have also reported them to my light company to let them know that who they contracted for debt collection, is practicing deceptively.
Product: Vehicle loan or lease

I contacted the lender Exeter Finance in regards to auto sales fraud perpetrated on me by a local dealership called XXXX XXXX XXXX in XXXX Oklahoma. I made numerous calls in regards to the lender and made multiple requests to rectify the situation due to being sold a vehicle that had severe leaks they did not disclose to me prior to the purchase of the vehicle. When I notified them of the situation I asked if they could delay payment for a month. Then I asked and demanded to cancel the contract. They have offered me no relief in a situation beyond my control due to the actions of the dealership. So I forwarded them and the dealership a final demand letter with documentation that shows the dealership not only not disclose the defects that were major they then fabricated a report that claimed there were no leaks 7 days after purchase and a service appointment but that the vehicle sustained severe hail damage by a hailstorm on the XXXX of XXXX while it was on their lot again due to the leaks being discovered by a third party inspection after they reported no leaks were there on the service call on the XXXX of XXXX. 
The third party inspection was done three days later. They had the vehicle from XX/XX/year> to finally address the leaks that weren't disclosed during purchase. They kept the vehicle for 20 days before they returned it for repairs that only required several hours to do. But while in possession of the dealership while they procrastinated fixing the vehicle due to the undisclosed leaks and or perpetrated auto fraud. I had asked for assistance with my contract and was told it was reported I was retired. I told them I didn't report I was retired. I was denied my requests for any assistance on the loan be it modifying payments or even cancellation of the loan on the XXXX of XX/XX/year>. The dealership had parked the vehicle at a different unsecured location other than where I took it to them for service on the XXXX of XXXX. I removed my insurance while the vehicle was in their care at the XXXX service center XXXX blocks away. And that's where it sustained a full impact of a hailstorm on the XXXX of XX/XX/year>. Both the dealership and the finance company have refunded to have the vehicle assessed by their insurance companies and the dealership tried to get me to file a claim on the vehicle after I told them that I had removed my coverage while it was in their care. I have submitted documentation in a final demand letter fom both the dealership and the finance company and let them know I plan to file a claim. 
I may have left somethings out but I'm very exhausted from this and it's very stressful.
Product: Payday loan, title loan, or personal loan

Hello, Today I received a phone call and two emails from a company called " XXXX '' indicating that a {$1300.00} loan had been taken out in my name. I called the company back and I spoke with a person named XXXX XXXX the person who called me was named XXXX XXXX. I asked XXXX to STOP the loan, and any funds transfer, as I have never applied for a loan with this company. XXXX was unable to assist me and said I should file a police report instead. 

I have never applied for a loan with this company. The Loan Agreement Number is XXXX. 

This company seems to have my name, email address, and phone number. 

I never borrowed {$1300.00} and I do not know where this money is going, nor do I understand why XXXX was not willing to STOP the loan from moving forward. 

Can you please help me with this? 

Their phone number is ( XXXX ) XXXX. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

in XXXX of XXXX  i made a purchase at XXXX and then got in the mail a denial letter for a credit card application i never applied for. the bank being Comenity XXXX XXXX. XX/XX/. this was done without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a few months of paying it off, they stopped taking my payments from my account. I attempted to contact them multiple times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received multiple complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX  about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using one of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXX, XXXX  is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed multiple disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past 3 years but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.
Product: Mortgage

My mortgage servicer changed to SPS in XXXX and there have been nothing but problems ever since. 

They do n't process my payments correctly They printing erroneous statements They refuse to answer questions They refuse to XXXX me the record of my past payments. .. 
Now, they are illegally changing the interest rate and payment amount every month when that is allowable only once per year ... .. 

It 's outrageous!!!! 

I 'm XXXX. Never missed payment in 16 years. 
I want them fired ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan that has been closed. Ive called and disputed directly with XXXX  and Transunion, but they won't comply or respond to my letters.
Product: Mortgage

My name is XXXX XXXX. 
My mortgage servicer is United Wholesale Mortgage. 
My property address is : XXXX XXXX XXXX XXXX XXXX, Florida. 
My loan number is : XXXX United Wholesale Mortgage failed to give me 45 days time period to purchase wind insurance. 
As per federal law United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. 

They have purchased insurance ( XXXXXXXX XXXX ) and charged my escrow account. 
The period covered of their purchased insurance ( as per evidence on file ) is XX/XX/2022 to XX/XX/2022. 
The amount they charged for the insurance is : {$1500.00} I am asking them to refund the full amount since the proof of insurance was delivered to them as they also mentioned in a letter I received and they have failed to respect the 45 days period of time. 
I didn't receive the refund from United Wholesale Mortgage even if I persistently request it and notified the company. 

Please see attachments.