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

I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against XXXX, XXXX and Experian. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the XXXX, XXXX and Experian are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau Experian XXXX XXXX   {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX XX/XX/XXXX XXXX {$660.00} XXXXXXXX  INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XXXX XXXX {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian North Americas XXXX XXXX Vice President and associate general counsel XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$580.00} {$610.00} {$690.00} {$1200.00} XXXX XXXX XXXX {$900.00} {$920.00} {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX. 
{$3600.00} I am requesting these items be removed from my account immediately. My legal name is XXXX XXXX. I have asked for a validation/signature for accounts and none was provided and I requesting this items to be removed immediately.
Product: Debt collection

I received a bill in the mail from this company about an insurance bill they said I owed but, I dont have a outstanding bill with XXXX XXXX XXXX I sked them to verify the debt but they have not and this is being reported on my credit report. Please have this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Checking or savings account

In  XXXX  M  & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in  XXXX  apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Product: Debt collection

First Point Collection Resources entered information onto my credit report without sending a notification by mail giving me the option to verify the information and to dispute within 30 days. 
They are also calling me from a number that goes straight to voicemail, stating the hours in the recording, but when I call the number during business hours, the recording states that they are closed. 
The bogus number I have been receiving calls from is XXXX FIRSTPOINT COLL RESOURCES XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Product: Mortgage

I changed my banking apps and when I filled in the address for my mortgage company I used the address on the letter head not realizing it was different than the address on the payment slip. When I made my first two payments on XX/XX/XXXX and XX/XX/XXXX they were sent to the wrong place. The problem is they cashed the checks and never put them towards my account. I have sent copies of cashed checks, had a three way call with the mortgage company my bank and myself confirming the money had been transferred, and a letter written by my bank all confirming they had received the money. The payment on XX/XX/XXXX was for XXXX and the payment on XX/XX/XXXX was for XXXX
Product: Mortgage

I am glad that XXXX XXXX and Attorney XXXX XXXX acknowledge that I have filed four complaints already with this being the fifth one and yet even as of the time of writing this complaint they have yet to offer any assistance and have yet to amend the situation. As stated in my previous complaints I have approached XXXX not once but four times asking them if they could come up with a payment plan in regards to my mortgage and the arrears debt which I owe and at the time was only two missed payments to which they responded " we don't do payment plans and that it's either you pay the arrears or we will take your house away '' and also the other times I approached them over the same issue I was told the same response and I was also told " just walk away from the house and let us take the house and you and your son can go and get a fresh new start " XXXX 'S persistent pursuit of trying to foreclose on my home extends to their lawyer Attorney XXXX XXXX who right from the beginning when I first filed bankruptcy I received nothing but a bad attitude and threats from Attorney XXXX XXXX like '' no XXXX XXXX I don't do payment plans and you better pay the mortgage and the arrears debt otherwise I'm going to make sure that I take your house away '' even when the judge ordered both Attorney XXXX and I to talk to each other and work out some sort of payment plan Attorney XXXX immediately said in a rude manner '' I don't do payment plans and you should stop playing around and just pay what you owe XXXX XXXX '' and he was also taunting me saying " what go ahead XXXX XXXX you have something you want to say to me go ahead and say it because I don't give a XXXX about what you say only about you paying what you owe '' their attorney XXXX XXXX has never acted in any sort of professional manner the whole time i have been dealing with him and he has been nothing but a rude loud mouthed unprofessional arrogant person. XXXXXXXX XXXX  statement doesn't make any sense that I am keeping myself in debt when right from the beginning when I missed two payments only I went in as stated before and explained my financial situation to them to which I received the response I stated earlier and in previous complaints. I am willing and open to negotiating with XXXX in coming up with a reasonable resolution to the situation at hand.
Product: Vehicle loan or lease

I have XX/XX/year> and XX/XX/year> I've sent them legal tender to discharge debt Toyota is breaking many law violations and inferring with commerce and breaking UCC Laws that they are not following for instance I was told that a down payment was require and they violated usc 1692e I've asked Toyota to let me see the True Bill the haven't done that I've sent with my paper work and they disclosed a statement instead of letting me see what's going on the private side and they are not following the UCC laws. Also 15 USC Title 1 they violated that contract because they never disclose the contract to me just having me initial and signed so they also violated that law 39 USC 3001 that's another violation they broke where they are not allowed to send bills in the mail. We have the Bills of Exchange, they broke Negotiable Instrument Act of XXXX. I've asked Toyota to send me the contract and they refuse to do that 12 USC 1431 also shows banks don't have money to lend so where are they getting the money so I need that true Bill to see what going on.
Product: Credit card or prepaid card

Chase sent me several special offers that expired in XXXX. I checked one for XXXX XXXX ( XXXX XXXX XXXX ) and used it on XX/XX/XXXX. I receive no such credit ( which normally can be checked once the charge posts ). I have received multiple " run arounds '' rather than a normal response of " let 's fix and correct this ''
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

My mortgage was transferred to Select Portfolio Servicing ( SPS ) earlier this year. At the time we were behind a month, maybe two, but we had continued to make payments to keep it from falling further behind. During that time payments were applied within 24 hours. 

During the pandemic we asked per federal guidelines and from XXXX XXXX ( who guarantees our mortgage ) for a forbearance as our business had slowed drastically. SPS then sent us a letter stating we would have a balloon payment, in contradictions with guidance from the CARES Act and XXXX XXXX. 

During the forbearance period we continued to make payments to catch up our loan. In XX/XX/2020 we made two mortgage payments at one time, this is when problems began as it took numerous contacts to have SPS apply the payments. On XX/XX/XXXX we made another payment which has yet to be applied to our account. We have also made an additional payment on our account as of XX/XX/2020 which also still has not been applied. If all payments were applied we would be current in our mortgage at this point, we have made contact with SPS a minimum of 6 times via phone call or email to get this resolved. We continue to get excuses. 

SPS is also beginning to add inspection fees and other fees to our mortgage which is in violation of our mortgage agreement that was transferred to them this year. They can not change our legally signed loan document without our consent which they did not get. 

SPS also settled with the US Attorney 's office of Maryland and the FTC for this similar behavior but continues to abuse the people with the same tactics.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have filed last month, I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed. XXXX XXXX  XXXX  was sending me a letter of contract termination. we left on time of the contract end.
Product: Debt collection

My problem is that State Collection Services XXXX XXXX, Wisconsin has not deleted a medical collection from my credit report even though it has been proven that XXXX had covered the bill of {$8200.00} in full. I am 100 % XXXX and the hospital made a mistake, whereas they took the collection back from State Collection Services in XX/XX/2023. The problem I have is that State Collection Services had no right to report a debt that was not 100 % confirmed was a debt at all. XXXX XXXX XXXX has confirmed that they took the collection back and were discharging the collection altogether. The collection must be removed permanently!!!
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased winter coats through a XXXX vendor, XXXX. I dutifully returned the unwanted jackets on time and waited for over two months to get a response from the vendor. The vendor said they never received the returned merchandise and declined to refund my orders. The amount that I did not get a refund for was {$2100.00}. After being on hold with the vendor for hours and 10+ email exchanges, I finally handed this over to Chase Credit Card ( the card which I bought the coats with ) to handle the dispute, in XX/XX/XXXX. 

Immediately in XX/XX/XXXX, I was credited the {$2100.00} and was reassured by the Chase representative that there was nothing else I needed to do for this dispute. The representative suggested I gather all documentation/evidence just in case they needed further information for the investigation. In XXXX, I was getting calls from the dispute department and requested to send him all documents. I did everything as I was instructed, but later on found out that the investigation representative had no clue of what my case was, unable to reach him again, and the email address he told me to send my documents to was completely false. In XXXX, Chase card rebilled me for the {$2100.00} without any letters or explanation that is investigation did not go in my favor. 

Since I've had a long standing relationship with Chase Bank as a customer who pays the bills in full every single month, I paid for the rebill in XXXX and called to ask to open up another dispute with the same vendor. However, jumping hoops to reopen the dispute three times ( I could only open dispute through Chase secured messaging and faxing information ), they continued to say that this charge was valid. I was of course not getting answers from the vendor, XXXX, and Chase no longer was incentivized to solve my dispute since I've paid for the rebill. The final time I spoke with the Chase representative and asked him why their response letter said Chase would write a note to the credit bureaus that this was a dispute case, I found out that I did not actually have to pay for this bill if I didn't believe in it. At this point, I did not have an option to still get the refund and choose to " take a hit '' on my credit score. 

Chase gave me a very false sense of consumer protection by telling me that there was nothing to worry about since the beginning of the dispute. Not only did they not seriously assign a " dispute '' specialist to investigate the issue and actually read all of the documents I sent them ( my strongest proof is that the vendor signed received the returned package from USPS ), they did not tell me all my rights as their customer to not pay for something I did not believe in. 

Worst, today I looked through my XX/XX/XXXX statement to find that I was actually charged {$470.00} of interest because of the rebill of this {$2100.00} transaction. The sale representative I just called said that their data system is down and not able to answer my questions at this time.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out this loan to make a purchase with a company XXXXXXXX XXXX for {$730.00}. It was for a hand tooled custom pair of cowboy boots. I never received the boots. I reached out to XXXX XXXX several times but they kept saying it would be a bit longer and eventually stopped responding to me. Several XXXX  went by and I still never received my boots. 

I then filed a dispute with Affirm to cancel the loan because I never received my merchandise. I made this request on XX/XX/XXXX. 

XXXX then Affirm has made no efforts at all to resolve this matter. They have not proactively contacted or updated me XXXX single time on the status of my dispute. It has been well over XXXX XXXX since the dispute was received and I provided all XXXX XXXX with the merchant and all evidence that I had. 

Each time I reach out to Affirm they just say it is in process and advised that it won't be resolved for another XXXX XXXX XXXX XXXX. The number constantly changes. 

In my most recent call with them they advised me it could be another XXXX XXXX 

Meanwhile I'm showing past due and delinquent with Affirm because I'm not making payments on the loan. They don't allow me to make payments yet they still report me as delinquent. 

I'm extremely frustrated with this entire process and I'm considering taking legal action against Affirm if they do not resolve this dispute immediately and cancel this loan.
Product: Credit card or prepaid card

I had an Allegiant credit card through Bank of America for a couple of years that required an annual fee. On XX/XX/19 they closed my current account that had no balance that I recently had paid the entire balance. They had charged me this year 's annual fee ; so I asked for a return of the annual fee. They never responded.
Product: Mortgage

The Dispute That I have with Select Portfolio Servicing, Inc. ( SPS ), is that as the servicing Mortgage Company they have yet to provide me with Written Proof ( Copy of Title Deed, Sale or Property Transfer ), of the Property at XXXX XXXX XXXX, XXXX, GA XXXX ; SPS Account Number : XXXX. SPS disclosed the Name of a Bank to me in a letter dated XX/XX/XXXX, yet the XXXX XXXX County Tax Records, and the XXXX County Tax Assessors Office, records reflect as of today, XX/XX/XXXX, Parcel Number : XXXX XXXX XXXX, lists that property in my name with a " Fair Market Value '', of {$95000.00}. 

SPS has sent me more than thirty ( 30 ) letters since XX/XX/XXXX, first stating that they are/will be the Mortgage Servicing Company, and beginning XX/XX/XXXX, that I can/should began making Mortgage Payments to them instead of XXXX XXXX? 

I believe that the Law allows me to question a Creditor/Debt Collector, as to the Validity of any Debt? The home in question was transferred to XXXX XXXX  on XX/XX/XXXX, by participating in an On-Site Appraisal, arranged by XXXX XXXX, and after Joint Photos/Pictures were taken, the Keys were taken by the XXXX XXXX   Appraiser, and the Locks were changed, afterwards XXXX XXXX issued me an IRS Transfer/Abandonment XXXX Form, which has also been provided to SPS. 

SPS is fully aware that I am under Federal Bankruptcy Protection, and am not personally liable for the property, additionally, the Property Transfer back to XXXX XXXX is documented by the XXXX. SPS is outright attempting to intimidate me into making Mortgage Payments, which I believe to be in violation of the Law, therefore, I contacted the Bankruptcy Attorney that handled the bankruptcy and asked SPS to contact him, which they have not done. 

SPS 's latest attempt to punish me, came on yesterday, XX/XX/XXXX, when I was contacted by Text and Phone Call from XXXX XXXX XXXX in XXXX, GA. 

I contacted the Office of the Comptroller of the Currency, and received a letter from them dated, XX/XX/XXXX, and they told me to Submit a Complaint to CFPB, as you have jurisdiction for these matters, and to also contact the Georgia Department of Banking and Finance for assistance. 

I contacted the Georgia Department of Banking and Finance, and was told that the only way that they could/will assist is if my Complaint is referred from the CFPB to them. 

Can you please forward my Complaint to the Georgia Department of Banking and Finance.