23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I inherited several rental properties when my father died. All of these assets transferred to a trust, of which I am the trustee, when he passed. I qualified as executor of his estate. 

At this time I inherited a mortgage that was originally provided by XXXX XXXX XXXX In early XX/XX/XXXX XXXX XXXX XXXX  sold my mortgage to a company called Select Portfolio Servicing ( SPS ). Since XXXX XXXX I have been trying to gain access to this mortgage and account information. I have called and emailed SPS numerous times over the past months, providing any documents/information requested. I provided my letter of qualification as executor, my father 's death certificate, a copy of the signed trust, a copy of the signed will, and a certification of trust. SPS still insisted I send them a deed showing that the property had transferred to the trust, even though the property transferred to the trust when the will was recorded with the city. My lawyer drafted a deed of confirmation which we then recorded with the city and I sent the recorded copy of the deed of confirmation to SPS. At this point, SPS still insisted I could not be authorized to access the loan until I provided them with a " re-recorded deed showing the property had transferred to the trust. '' This is a document that does not exist. I have spoken with my lawyer throughout this whole process, and he has determined that at this point, given all of the information I have provided for SPS and the fact that they are requesting something that simply does not exist, that the only way forward is to file a lawsuit against them, as they are denying me access to this debt I owe, as executor of my father 's estate and trustee of his trust. I would very much like to not have to do that. 

As of today, Thursday XX/XX/XXXX, SPS has still not given me access to this mortgage. They are preventing me from acting in my role as executor of my father 's estate. They won't give me the account number or any other information regarding the loan. As a result, I am unable to make payments, and have been unable to make payments for months. Furthermore, I am in the process of selling this property, and without access to the mortgage account, I can not get a payoff quote.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

This evening, I found unauthorized inquiries on my credit report, and Im completely baffled as to why. When I checked my credit report as usual, there were discrepancies that came out of nowhere. I even refreshed my browser to see if it was a mistake, but the inquiries persisted. Im requesting that my submitted documents be carefully examined so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items there to be inaccurate. 

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in reference to a charge-off account # XXXX with PNC Bank.I am currently on XXXX XXXX and have been since XXXX XXXX relative whom I put in charge to handle my affairs was denied twice in a PNC branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to PNC Bank several times about the issue with no response.I also requested my account be placed on " military hold '' .Subsequently PNC Bank reported my account as a charge-off to all 3 credit bureaus XXXX, XXXX, AND XXXX spoke with PNC Bank service members escalation group case manager.I submitted my military orders and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 109XXXX C cancellation of debt as PNC Bank has received a tax benefit for said debt, but failed to send me a 1099-C which is required by law.I have also disputed this with XXXX, XXXX AND XXXX. Instead of PNC correcting the account or removing it, PNC Bank updated the balance amount with XXXX.
Product: Vehicle loan or lease

I am being charged an Interest Rate of 20.90 % by EXETER FINANCE LLC IN XXXX OH XXXX Purchase Date was XX/XX/23 I understand in my State of North Carolina the highest interest rate allowable by law is 16 %... I am a senior citizen living on a fixed income. I feel this XXXX is breaking the law, and taking advantage of certain people.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with total visa. I paid this account in full and closed it with a representative on the phone. A few days after total visa billed me for a annual fee knowing that the account was closed and never used since the date it was closed.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. Total visa continues to bill me violating my rights as a federally protected consumer.Total Visa is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Total Visa continue to negatively impact on my consumer credit report.

I did not give Total Visa DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). Furthermore, Total Visa has been in receipt of my certified letter containing a affidavit of truth, cease and decease, a debt validation and a invoice for payment. Its has been more than 30 day with no response which means they have defaulted my affidavit.
Product: Consumer Loan

I have had an auto loan with Ally Financial since XX/XX/XXXX. 
Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day. 
According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Product: Credit reporting or other personal consumer reports

Unknown inquires including a few companies I already had an account with. Looks like someone stole my mail and has been trying to open accounts. 

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: Student loan

on XX/XX/2019 we recieved a letter stating my student loans would be consolidated on XX/XX/2019 and the first payment would be due in 60 ( about ) does not mean 30 days. Today they suddenly changed the terms without our knowledge and want it due on XX/XX/XXXX. I called and spoke with someone a couple weeks ago and he assured me it would be XX/XX/XXXX. They only called me a liar and said it was XX/XX/XXXX when I have documentation first payment will be in XX/XX/XXXX. They are practicing illegal loan terms and need to be investigated. I will be getting a lawyer. The loan is XXXX a month for 30 years.
Product: Credit reporting or other personal consumer reports

It is my sworn statement that the below listed account is not mine and needs to be marked for identity theft and deleted immediately as I did not originate this account. Pursuant to 15 USC 1681c-2 please delete this fraudulent account. XXXX XXXX XXXX XXXX SEE ATTACHED IDENTITY THEFT REPORT. 

That fact that this account was verified is ridiculous and your agency may be setting itself up for a lawsuit. This is a fraudulent account that I never created. According to the FCRA, more specifically 15 USC 1681i, a REAL re-investigation must be performed immediately and this needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX, Equifax, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX  for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Product: Money transfer, virtual currency, or money service

I planned on leasing an apartment with a seller through paypal and when it came to complete the transaction the seller failed to provide their services. I contacted XXXX to get a refund and they refused. I also contacted my bank, Wells Fargo, and they were unable to help me get as well. In fact, Wells Fargo was belligerent and rude, but would not let me speak to a supervisor or reimburse me for the money spent. Decent banks don't fight you on an obvious case of fraud.
Product: Debt collection

PLEASE SEE ATTACHED : NOW RESOLVED BY DATA FURNISHER A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. 

Additionally, a cease and desist any and all activities related to the use and disclosure of my consumer information, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. As a federally protected consumer, I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given XXXX XXXX under the provisions of 15 U.S.C. 6802.
Product: Credit card

Applied for Citi Diamond Preferred Credit Card. Got approved. 
Was surprised to see being assigned the highest APR possible, because my credit is excellent ( XXXX, XXXX, normal range is XXXX -XXXX ). Called Citi to inquire why the highest APR was allocated?. Also, inquired what was the formula and what credit score was required to get the lowest APR. XXXX nor supervisor could answer. Indicated there is nobody in the whole company that knows how APR is calculated. 

This is both false and deceptive, because Citi represents that the APR is based on your credit scores. However, they are - either uniformly assigning highest APR regardless of your credit score OR using discriminatory ( racial, nationality, sex, etc. ) criteria to assign highest APR 's to certain groups regardless of credit scores.
Product: Credit card

I have requested a copy of account details for this account with Target National Bank. Target states they sold my credit account along with all account details. Target is not reporting my full account details on my credit report and are violating my Fair Credit Reporting rights. I am requesting verification of account billing and payment history details. I have contacted XXXX XXXX the company Target says they sold the account to and they said they too have no records for this account and no longer have the account. I would like the account information deleted and removed unless Target can provide documents to prove the facts they are reporting to all XXXX credit bureaus
Product: Debt collection

PlusFour has Damaged Credit On ERRONEOUS Information. 
I've NEVER RESISED OR VISITED STATE OF NEVADA. I'm In XXXX XXXX. 
Even XXXX XXXX XXXX Have VERIFIED AND CLEARED MY NAME From NEVADA ERRONEOUS Info.i DEMAND PLUS FOUR DO THE SAME. I've XXXX RESIDENCE HISTORY In Nevada EVER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I've noticed several accounts that doesn't belong to me. These accounts are negatively affecting my credit score which has a negative impact on my living.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : Also States that a Consumer Reporting Agency can not furnish a account without my written instructions
Product: Debt collection

I opened a CFPB complaint ( XXXX ) stipulating *specifically and only* that LVNV/Resurgent admitted *on a recorded line* that they did not and could verify that I ever agreed to open an account with the original creditor, and instead only had account statements from after the falsely opened account. 

Their " response '' was to completely ignore that and then send the statements from after the card was opened, intentionally ignoring the actual substance of the complaint. 

The complaint should not have been closed, because it very clearly objectively had not even been addressed, let alone resolved.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of all unauthorized accounts and inaccurate information from my credit report. These accounts and records were not authorized by me, and their presence is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). If these inaccuracies are not corrected immediately, I will take further action to ensure my credit report reflects only accurate and verifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax are reporting false information. 

The accounts that are open by FRAUD a XXXX XXXX XXXXXXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on Equifax XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX bank XXXX with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to access my credit report for XXXX online through annualcreditreport, or directly through XXXX website. I have sent XXXX   notices for 9 months verifying my identity. I set up an online account it constantly says contact XXXX customer service. I have done so over the past three months as well by phone and have been told it has been forward to the technical department, nothing has been done, nor has it been corrected. I can not access my credit report online to verify corrections to my credit reports, the credit bureaus have not sent me a hard copy of my credit report.
Product: Credit reporting

XXXX is a fraudulent identity theft account also is a copy of my police report number is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim. 
Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported. 
XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXX XXXXs platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/19 Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.