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

I've applied to XXXX different jobs. All of them unfortunately use a company called XXXX. I've never had a background check take longer than XXXX. Nor have I ever failed XXXX. We are at a month and a half for the first XXXX jobs. XXXX of the XXXX jobs are at a month or more. They are outright blocking my ability to gain employment at this point. I've contacted them repeatedly and all i get is boiler plate responses. They tell me there's nothing more i can do. I've contacted the companies offering to pay for a background check of their choosing. All they say is i have to wait for XXXX. They only go back 7 years, I don't even have a speeding ticket in the period. Nothing is out of country or out of state, there is no factor that would cause a complication. The following dates are when I applied and to who. I keep applying to more and more jobs because they wont complete the previous jobs background check but then the next job also uses them. I'm XXXX 's in debt to friends and family because i was outright facing homelessness because of this and i made that very clear to XXXX. I literally begged them and all i got again was sorry we cant even give you a completion time frame. I also want to make XXXX thing epically clear. I would be homeless right now this second because of them if i didn't have friends and family to rely on. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX Spark - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Ive had my mortgage for over XXXX years. Ive never had a 30 day late payment with XXXX, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to XXXX XXXX  along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to XXXX XXXX  for an escalation solution to no avail. Ive been in contact with XXXX XXXX  in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a XXXX XXXX XXXX XXXX and Im at risk of losing my entire business over this matter. I lost XXXX points on my credit score and without the proper credit score Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States Lender XXXX  ID : XXXX
Product: Debt collection

I have constantly attempted to remove a debit that I do not owe. I have recurved countless harassing phone calls and threats from the debit collector. I want this account removed from all credit bureaus my credit before I seek legal help for personal damages.
Product: Mortgage

The mortgage company PHH Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has entered the home, without permission, of a deceased owner while we are processing the estate. WE notified them of the owners death and sent them a copy of the death certificate In XXXX. the owner died XXXX XXXXthey told us we had 6 months to gt the property listed for sale or get a contract on the property. They entered the home after 4 months and put locks on the doors to we can finish processing the estate. They said we had to prove we are trying to sell the house by proving we have a realtors contract or for sale signs up. I told them yes we will do that by the time our 6 months is up. they said we only have 5 months to do that, I said okay but its only been 4 months and you locked the house up! They are a call center in XXXX. they hang up on me won't send documents proving they have the right to enter the house now. I requested the forms needed to request an extension and they said they would considering offering that after I prove that the house is listed for sale. What are my options? I'm going to call the police about the trespassing. What can I do about this harassment?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX XXXX  and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my XXXX  has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent for these companies to use my credit
Product: Credit reporting or other personal consumer reports

I received your response with your dispute results and I need to know WHY these accounts is still remaining and you are claiming it have been verified. That's impossible because this both accounts are duplicate accounts that are reporting the same account number but different balances! so it is impossible they verified it with you. You are still reporting errors : METHOD OF VERIFICATION REASON : This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. 
METHOD OF VERIFICATION REASON : Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 
Account Name : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Account Number : NOT PROVIDED How can this be?! Please explain to me how your agency has " so-called '' verified these accounts? I'm allowed to ask and you're REQUIRED to answer. So how did you do it?! Who did you talk to in the creditor 's office? Did you send them the information about the account that I sent in? How did you send it to them? Did you fax it, did you mail it, did you use the same mailing address and/or telephone. 

number listed on the credit report that I have ... what did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that it's been verified? The FCRA says that you have to tell me this within 15 days if I ask pursuant to 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure. And please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS '' on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting

The following inquiries were removed from my transunion report but reinserted without any notification to me. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Bank account or service

I have been using chase online bill pay to submit rent payments to my landlord for over XXXX years. XX/XX/XXXX my landlord told me that he has not received my check ( i had set it to autopay with my bank ) I contacted chase and asked them what happened to the check, they told me that it was cashed by someone on XX/XX/XXXX. I sent this information to my landlord and proof of an image and he said that he has not cashed it and it seems like someone stole the check. 
I contacted chase and opened a claim immediately, chase asked me to send in a notarized for with all the information and once I did that they would start working on the claim. I sent all the paperwork in and called up chase claims, they told me that it would take a minimum of XXXX and they are doing me a courtesy by filling a claim and they will try and help out, but they can not guarantee anything. My issue is that chase printed out the check and mailed it, they said that it has already been cashed, but they do not have any information on what bank it has been cashed with. They are holding onto my funds for XXXX days and my landlord wants another rent check. My rent is pretty high and I do not wish to use my savings for this. Why is the bank taking this long to solve a claim? How was the check encashed when by someone else when it was not in their name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$100.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX date of closure XXXX, amount {$490.00} amount {$15.00} XXXX date XXXX closure XX/XX/2023 {$89.00} XXXX employees XXXX of maryland XXXX {$6400.00} XXXX XX/XX/2023 XXXX on, XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that from an alleged identity theft, not later than 4 business day after the date of receipt.

Under 15 U.S. Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my right.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy pursuant to 15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.You are required to do what i am asking and block these transactions from being reported to my consumer report Within 4 DAYS from the date of the receipt of above notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting

Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

An Initial 90 day Security Alert has been added to your personal credit report. This message, which will expire after 90 days, alerts credit grantors to verify your identification in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 
For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, XXXX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

I DID NOT ASK YOU TO PLACE A SECRITY ALERT ON MY REPORT I AKED YOU TO STOP PLACING IT ON MY REPORT AND DO YOUR JOB XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Remove ALL ALERTS FROM MY CREIT REPORT DO NOT PLACE THEM ON MY REPORT AT ALL
Product: Vehicle loan or lease

I had asked for a payoff quote which I received and within 2 days of the quote sent a cashiers check with the payoff amount. That check cleared XX/XX/XXXX. I have been attempting to reach motoXXXX/motolease for a month via email and phone calls. I only get a automated response saying all their reps are busy and to leave a call back number. I still have not received any communication from them. Also they keep processing payments when the loan has already been paid off. I have attached the cashiers check that they processed and have blocked them from processing payments from my account.
Product: Debt collection

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
Product: Credit card or prepaid card

I mailed Synchrony Bank / XXXX XXXX XXXX an FTC Identity Theft Report on XX/XX/2018 and received a letter back from them denying my fraud claim due to " Customer benefited from use of card/participated in the purchases ''. I did not make any purchases from Synchrony XXXX XXXX XXXX XXXX. Why haven't I received a detailed investigation? I received one single sheet of paper denying my fraud claim without a proper investigation. 
An address was listed on this account that has not or ever been my home address. I am demanding a proper investigation and demand a detailed investigation be mailed to me.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have filed Disputes with XXXX XXXX and they keep telling it is reported correctly, I have a copy of discharge from Court as well list of creditors which show collection agency being notified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX  & Equifax ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS ( DUE TO COVID 60 ), I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60DAY DEMAND XX/XX/2021
Product: Mortgage

I called for a forebearance in XX/XX/XXXX due to hurricane Ida. Our area was heavily impacted and a lot of repairs we had to do ourselves immediately coming back to home. I was told I could have a 6 month forebearance starting XX/XX/XXXX and then it could be extended after 6 months for a total of 12 months. This loan was a balloon payment loan and this was discussed during the call. However, I was reassured I would have 12 months total to get finances on track. On XX/XX/XXXX I called mr cooper because I knew I only had 1 additional month in first f months of the forebearance and wanted to get a head start on getting my extension in place while I had the time because I work long hours. At this time the lady I spoke with reassured me again that I could extend the forebearance for an additional 6 months but that I was calling too early to call back on XX/XX/XXXX and at that time I could extend from XXXX - XXXX. XX/XX/XXXX I called mortgage company to extend my forebearance and was told I could not do it bc the loan had matured. When the forebearance started in XX/XX/XXXX the loan had matured that month and no one ever advised me of this. Had I known this I would have made other arrangements to pay and not wasted time thinking I at least had another 6 months to get my affairs in order. So I asked for a modification and was told the lenders did not do modifications that I could do a short sale. I was unable to XXXX bc they incorrectly flagged my credit report to XXXX that I was 120days late on my mortgage in XX/XX/XXXX. Which is not true. I also disputed this with XXXX. My first mortgage is current this is my second mortgage. My complaint is not only did 1 representative advise me with incorrect information but 2 did. This is not my fault I did my part by remaining in touch with the mortgage company only to be told incorrect information. Now they are threatening to foreclose on my property for XXXX balloon payment with no other options due XX/XX/XXXX. Mr cooper is the most unorganized predatory, unorganized, undertrained lender who lie to consumers then take their property. Oh and they dont put anything in writing when I asked for something in writing. Please advise
Product: Credit card

Filed a complaint about Amex telling me on XXXX different occasions that I was eligible for XXXX point offer. I told Amex to check their phone recordings in XXXX XXXX and XXXX XXXX XXXX and they said they were not available. CFPB notified Amex about my complaint and they sent me a letter. The letter states that they did review the phone listings and the representatives did not inform me of my eligibility. So XXXX lies XXXX they were not available and XXXX if available there would support my case. Amex includes a general phone number for some not involved and ca n't really respond. I asked the general rep. to request the consumer advocates dept.. for the transcripts of my call on XXXX XXXX to employee XXXX. Its a nice smoke screen that most people would just give up. They made a mistake and at least I want an apology