23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items in my file that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My initial closing date was Friday XX/XX/2022 which was known since day one.  XXXX XX/XX/2022 my loan processing analyst states the earliest they could close is Wed XX/XX/2022. Friday XX/XX/2022 at XXXX I receive an email from XXXX XXXX XXXX that closing will be at XXXX on Monday XX/XX/2022. I received no notification from my lender, nothing about requesting to change the date or asking to change the date. At this point this also means theres not enough time to receive the closing disclosure document in the required XXXX business days so that I can review it. Also means I had to pool all my money into one account prior to when I anticipated to do so, so that I could send over the wire to the title company. I called my loan officer to see if he could forward me the documents so that I could review them. He for some reason thinks its a joke and starts laughing saying ill get everything. I let him know that I dont have access to the email that I have on the application and that I need the documents to be sent to another email. He assures me that when all the documents come in that XXXX send them to my email address. I am currently out of the country so am XXXX hours ahead of the loan processing department and have not received a single document. I have had other issues with this process so I am not fully confident that what is in the documents even are the same as when I received the loan estimate. Since the closing date was changed t XXXX on a Friday before the closing date there was no way to receive the closing document within the REQUIRED time frame. I still have not received the documents thus I can not sign them let alone read them. This entire process through this bank has been ridiculous.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many reports concerning this organization and this issue that it makes your agency appear to be impotent and incapable of doing anything at all. Quite frankly a quick read, rite and file! Dispute Result- XXXX XX/XX/2019 Member IDXXXX. This is a major impact to us financially I and my wife. Although attempting through letter and On Line Multiple times- telephone and fax we can not get through via any medium they provide. Wrong numbers, Emails that do not work and Computer access that fails and the reports remain incorrect. While negatives are reported immediately and even if wrong it takes months to remove or repair [ as this report is witness to ] Their safety valve of they only report contact the creditors is confirmed within this report by the fact the creditors do not respond quickly and have no need to. The fact they never respond to the inquiry of offshore processing of citizen information is of itself a confirmation of who they are and your lack of concern and or ability to act is of itself and by a opinion a great charade. Balances when wrong reported immediately while latest balances take months an paid accounts even longer. The attempt by opinion to deliberate keep us indentured producing less than favorable credit scores and higher interest rates. The so called security free a farce and lie by their own words. Do we expect anything from your organization- NO- " you shall know them by their fruits '' and the both of you and the others who called themselves reporting agencies or Consumer Protection mere labels. If this any honor or credibility please have the reports updated correctly or develop legislation to inhibit slow response by the creditor and non immediate updates so the reports are maintained real time! So much for the good the decent and the honorable!
Product: Debt collection

I was sent a letter from Transworld Systems Indicating that I owed them over XXXX from XXXX. However I am in good standing with XXXX and after checking my account on XXXX 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to Transworld Systems was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that's not mine which is showing on my credit report.
Product: Credit card or prepaid card

Citibank fraudulently closed case # XXXX by claiming a third party was involved. They knew I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of Account XXXX XXXX on my credit report. As per 15 U.S. Code 1681s2, a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX has repeatedly reported false, misleading, and inaccurate information regarding this account, despite multiple dispute attempts on my end. I have repeatedly disputed this information, yet XXXX XXXX XXXX XXXX has continued to furnish knowingly inaccurate data to the credit bureaus. Failure to correct inaccurate information after being notified constitutes willful non-compliance with 15 U.S.C. 1681s-2 ( b ) and subjects XXXX XXXX XXXX XXXX XXXX legal liability. Immediate Action Demanded : Immediately cease furnishing inaccurate information to any credit reporting agencies ( XXXX, Equifax, XXXX ). Remove this account entirely from my credit report due to repeated violations of the FCRA. Provide written confirmation of the removal within 15 days of receiving this letter. Cease and desist all further reporting of this inaccurate information to consumer reporting agencies. Failure to comply will result in legal action against XXXX XXXX XXXX XXXX for FCRA violations, including but not limited to : Willful non-compliance with 15 U.S.C. 1681s-2 Knowingly furnishing false information to credit bureaus Defamation of credit character Damage to my creditworthiness due to misreporting If corrective action is not taken I will escalate this matter to the the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal remedies for damages incurred due to your unlawful reporting practices. This letter serves as final notice before legal action is taken. I expect full compliance immediately
Product: Credit reporting or other personal consumer reports

It has come to my attention that you CHASE Bank ( Person ) are reporting my transactions with your company to the consumer report. You CHASE Bank ( Person ) have reported a transaction on account ending in XXXX on this day XXXX, XXXX XX/XX/XXXX between I XXXX XXXX the ( Consumer ) and your self CHASE Bank ( Person ) and according to the Fair Credit Reporting Act 15 U.S. Code 1681a. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The term in the consumer report does not include reports containing information solely as to transactions. The transaction history between myself XXXX XXXX the ( Consumer ) and you CHASE Bank ( Person ) is excluded from the consumer report.
Product: Debt collection

XXXX XXXX  RELENTLESSLY SENDS MY INFORMATION ( PHONE NUMBER EMAIL ETC ) TO COLLECTION AGENCIES WITH FALSE DEBT. DOESNT MATCH MY NAME OR MY SOCIAL SECURITY NUMBER. IVE FILED FRAUD CASES WITH THEM AND TOLD THEY WERE RESOLVED. JUST THIS WEEK I GOT ANOTHER EMAILS FROM ANOTHER COLLECTION COMPANY SAYING I OWE {$830.00} ON A CREDIT CARD IVE NEVER HAD WITH THE WRONG NAME AND WRONG SOCIAL SECURITY NUMBER. THEY HAVE DONE THIS 3 TIMES NOW. IVE FILED FRAUD REPORTS WITH THEM XXXX  WITH THE FTC ABOUT THIS AND THEY CONTINUE TO DO IT. THEY DESTROYED MY CREDIT WITH IT LAST YEAR AND ARE ATTEMPTING AGAIN. I DONT HAVE ANY CREDIT WITH XXXX. THE 2 I DID HAVE ARE PAID AND CLOSED BY CONSUMER YET, THEY CREATE FALSE ACCOUNTS WITH DIFFERENT MERCHANTS UNDER MY LAST NAME EMAIL AND PHONE NUMBER.
Product: Debt collection

I purchased merchandise from XXXX XXXX  on their credit card, I thought. This was in XX/XX/XXXX. On XX/XX/XXXX I came down with very bad case of the XXXX. Missed time from work. My merchandise was no more than eighty dollars. However, the XXXX stayed with me with severe pain which I am still having even after 5 months. At this time I did not make a payment which I agree was wrong. However I started getting calls from a XXXX XXXX. They would call XXXX XXXX. until XXXX XXXX every hour, 7 days a week. This has been going on for months. I was going through bills which I had not paid. I found XXXX XXXX bill and made the check out for {$32.00} payable to XXXX XXXX which I mailed on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX  and they connected me to XXXX XXXX, because it was their card. I was not aware of this. So to this day XXXX XXXX said the check was not made out right. Should read XXXX XXXX XXXX XXXX   they have not cashed it. I did send another payment of {$37.00} dollars. They say I owe {$220.00} dollars. I feel XXXX XXXX   deceived me not telling me that the card was through XXXX XXXX. I offered to settle for {$120.00}. No response from either XXXX or XXXX XXXX. No checks were cashed and are sending negative reports to the Credit Bureau, saying no response.

Thank you for any help.

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

On XX/XX/year> I received notification from my creditors credit monitoring service that there were hard inquires on my credit report that I did not initiate. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries and information.
Product: Debt collection

I was notified by a Title Company at the time of sale for my home that there was a XXXX placed on my home by Portfolio Recovery Associates , LLC. The collection company was owed {$1000.00} plus cost and interest after a ruling in the XXXX XXXX XXXX XXXX XXXX ruled in their favor. Case # XXXX on XX/XX/XXXX. The person responsible for this debt has the same spelling of both their first and last name as mine and resided in the state of Arizona. I was living in the state of Illinois until XXXX, and had no involvement with this incident. Upon discovering the XXXX  that was placed on my home, I reached out to Portfolio Recovery Associates. They could not locate me based upon my date of birth, social security number because I do not exist in their system due to the fact that they are dealing with another individual. They transferred me to several representatives who stated that they could not assist me as I did not have an account with them. I provided them with an address that the Title company listed as to where the person who is responsible for this debt resides. That information allowed them to locate this case and they stated that it was another individual who has the same spelling of their first and last name, but different middle names along with date of birth, and social security numbers. When requesting that they remove this XXXX on my residence as the debt is not mine and should therefore not be associated with my property, they informed me that they would review this case and make a decision though they could not provide details as the account does not belong to me. I would like this addressed and have this XXXX removed immediately as I have provided the appropriate information and they are fully aware that the case is not with me, but with another individual.
Product: Credit card

On XX/XX/XXXX I purchase a first class airline ticket to XXXX returning on XXXXXXXX XXXX On XX/XX/XXXX XXXX XXXX canceled all flights due to a technical/ computer system issue. Since there are not many flights out of XXXX each day, they rebooked me for XXXX night, and I returned the day after XXXX on XX/XX/XXXX. I missed XXXX with my family, and my XXXX XXXX XXXX daughter had to wait for me to return to open gifts. I requested a credit or refund with XXXX XXXX and they declined. I submitted the dispute with Goldman Sachs ( Apple credit card ) and they also declined. I did not receive the service I paid for. I was forced to fly back on the evening of XXXX, or pay a much higher fare to get home on XXXX eve as it would be a same day purchase. Nothing was offered by the airline or the credit card company and I am being forced to pay {$2100.00} A second, unrelated charge dispute was declined for a transaction on XX/XX/XXXX. I was erroneously charged for valet parking when I self parked the vehicle. The amount charged doesn't even match the valet rates posted by the hotel. It was XXXX XXXX, and the transaction dispute amount is {$110.00} On XX/XX/XXXX I submitted a third dispute for XXXX  ( a shoe and apparel online store ) because I purchased a pair of shoes, and they were shipped from XXXX ( which is notorious for fake merchandise ) even when my XXXX  profile explicitly states I will only accept shoes shipped from within the XXXX. I disputed the amount with Goldman Sachs and they declined the dispute and I was forced to pay {$230.00} On XX/XX/XXXX I booked a hotel room in XXXX through XXXXXXXX XXXXXXXX  for {$750.00}. I planned a trip to XXXX  as my two brothers live there and I visit regularly. During this visit to XXXX I was planning to visit XXXX and stay in a hotel. As I was flying to XXXX, I noticed I did not have my passport... I forgot it at home. I immediately called XXXX XXXX  to alert them of the situation, and the fact I could not enter the country since I did not have my passport. I asked them to cancel the room, before the service date and they declined. I submitted a dispute to Goldman Sachs for the {$750.00} since I was unable to enter the country and obviously can not honor the hotel reservation. They declined once again. 

Every dispute I filed with them, they declined and I never spoke to a human being live -- even though I requested to several times. I have been forced to pay {$3200.00} for servies/ products that were not received as expected ... or even the flat out error for parking at the XXXX XXXX I saw Goldman was recently fined over $ XXXX for declining disputes. I need your help.
Product: Debt collection

I initiated a phone call the ATG credit to resolve a debt. They explained to me on XXXX occasions that they would be recording the phone calls. I expressed to them that I too was recording the phone call for my purposes. They immediately got angered and told me that according to the FDCPA I was NOT allowed to record them. I tried to explain to them that the Federal law states that one-party phone calls are authorized by federal law and they hung up on me. I have also just filed a complaint with the XXXX minutes before this complaint. If they wo n't communicate with me and they will not send me the documents how am I supposed to resolve this debt? They would not send me any documents because they claim they already did. I explained that i have not received them. I asked for E-mails but they will not send them unless they have a credit card number or back check number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX*Balance : {$6000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/year> to XX/XX/year> to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/year> to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the debt.
Product: Credit reporting or other personal consumer reports

My credit report shows an inquiry from XXXX ( XXXX ) XXXX dated XX/XX/year>. I called on XX/XX/year>, and they stated they had no record of this inquiry. They advised me to contact TransUnion, which I did on XX/XX/year>. TransUnion told me to contact the Federal Trade Commission. When I contacted the Federal Trade Commission, they advised me to contact the CFPB. I did not submit a credit request to this company.
Product: Payday loan, title loan, personal loan, or advance loan

Brigit notified I had a {$200.00} advance loan and I was late paying for it back. I tried to respond via email advising the company of fraud. However, I can't seem to get anyone to respond. I constantly receive emails of late payments, but I am trying to let the them know that I closed my bank account due to my personal bank and information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters in XX/XX/2021 regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Mortgage

My loan was sold to Bayview Loan Servicing in XX/XX/XXXX. I was not notified by XXXX XXXX XXXX. My mortgage payments were coming back. Finally in XXXX I found out about Bayview. I was having trouble making my payments after XX/XX/XXXX. They offered a home loan mod. They told me not to make payments. After six months I was sent an approval package with instructions to pay the XXXX month to fund the new modification. But it had no disclosures in it. i.e. interest rate, balloon payment etc. They said I had to pay the first month by a certain date. and after that I would receive all the detail of the loan. I had the package reviewed. It was described as " Predatory Lending Practices ''. I was advised not to sign it. 
- I contacted Bayview and requested a " Deed in Lieu of '' - We started the process in XX/XX/XXXX. 
- I have not lived in the house for quite some time but have had to keep the house up and pay large electric bills for the pool as part of our agreement for me to get a Deed in Lieu. Still they did nothing- In XX/XX/XXXX, they said they were in negotiations with the XXXX lien hold for a settlement- They never return phone calls or emails. Once they said they had an agreement with the XXXX lien holder and then they didn't- Today, XX/XX/XXXX I find out from the XXXX lien holder that they never contacted them and if they had it would only take them 2-3 days to approve it- Something is n't right here. A hidden agenda. They wo n't do what they promised even though I have fulfilled my obligation, contacted the XXXX lien holder myself to get them the information they needed, yet they still are doing nothing. 
- I had to get them to hire a company to look after the house as I can not afford to take care of it anymore. They did, they broke into the house leaving damage and frightening the neighborhood. Police were called. They never even informed me they were doing this. I would have just met them at the house and opened the door for XXXX sake. 
- From the beginning with Bayview it has been predatory lending, lack of transparency or disclosure and a total disregard for others. I understand the latter means nothing to the banking industry anymore but certainly the aforementioned disregard for the law should bring someone some attention. 

All that I am asking is to receive my " Deed in Lieu of '' and the reimbursement they promised me for my expenses. I need this matter concluded with my name off of the house so that I can move forward. I am supposed to move for work but can not due to this issue still looming. I am in threat of losing my job because I wo n't relocate until this is resolved. 

Thank you,