23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 items 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 items. 

XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents
Product: Debt collection

I've asked them to not call relatives about the debt collection. They continue to call relatives.
Product: Mortgage

to whom it XXXX concern, im writting to you becusae my mortgage company ( select portfolio servicing ) is taking advantage of me. 
select portfolio servicing sent me a letter letting me know that they are adjusting my interest rate from 5.125 % to 20 % becuase my account shows behind. 
i was very surprised since all my mortgage payment are always made on time and plus i have every single cancelled check showing select portfolio servicing cashed my check. 
select portfolio servicing told me that they apologize but since the account was transfer from the previous services ( 6 months ago ) they never recieved the complete details of my accont and it was their mistake. 
select portfolio servicing also told in the mean time i had no option and to pay the new monthly mortgage payment based on 20 % interest rate until they clarified the mistake made by select portfolio servicing and the previous services. 

i am so upset about select portfolio servicing response considering select portfolio servicing made the mistake and it is unnaceptable that select portfolio servicing is taking advantage of me. 

please any help will be very appreciated it since next month my payment will increase 4 times from the original amount and i dont beleive this is fair since it is select portfolio servicing mistake when my mortgage got transfer to select portfolio servicing. 

thank you
Product: Credit reporting

I have submitted XXXX accounts to Equifax with my police report and notarizes affidavit and will not remove the accounts off my credit. XXXX and XXXX have removed. Equifax will not.
Product: Debt collection

Absolute Resolutions Investment LLC has threatening to sue me for the amount of {$2200.00} that was already sent to A 3rd Party Collection Agency. According to FDCPA these actions are in Violation.
Product: Checking or savings account

My husband and I both were depositors with Capital One for years and never knew they had a higher paying account. Due to this I removed our savings from them last year and transferred to where we would receive some interest. It was only after that I saw information that they had higher interest 360 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and XXXX XXXX XXXX Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, TX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was scammed by a person named XXXX XXXX who was working at a XXXX XXXX store in XXXX XXXX Florida on or about XXXX of 2013. He promised to provide me with home wireless phone service and wireless internet service. He asked if I had a home security system and I told him yes.He gave me a box with the system. I gave him over {$400.00} total. The system did not work. I was without phone service for about 3 weeks. After contacting him many times I learned this system would not work with my wireless security system. He came to my house and messed with my security system and XXXX XXXX XXXX phone box and took a picture of my XXXX form that was laying on my desk. I returned all equipment and received a receipt. I had NO service at all from this source. He did not refund my money. I have gotten a bill for {$480.00} from XXXX. I have talked to XXXX representatives 3 times and told the account with XXXX would be closed or did not exist. Now I find that an account has been reported to a collection agency and listed as deliquent account with at least Experion. This was a fraudulent transaction from the start as I am sure this person knew his service would not work with my security system. He scammed me out of several hundred $ and is now trying to get more. I will make a report to the local sheriff office and I have again contacted XXXX who said they would investigate again. Meanwhile the false report is still on my credit report. I am a XXXX XXXX XXXX XXXX woman who has no one else to depend on.I do have documents to support the money I gave this person and XXXX can verify the lenght of time I was without phone service.
Product: Mortgage

XX/XX/2018, Im still trying to contact Bayview Loan Servicing so they can update my account..No one will answer the phone or return my call. All the lies and scamming, guess they dont want to talk to me. YES, Bayview Loan Servicing Approved and Executed my Loan Modification, but XXXX XXXX continue to send me harassing letters about foreclosure, claiming they didnt receive my last trial modification payment. I have provided proof that Bayview Loan Servicing received the last trial Modification Payment. They are so INCOMPETENT there. Im NOT Sure if the employees there have high school education, especially XXXX, she is so dense. My account need to be updated. When my attorney finishes with these crooks they will be sorry! I have a contract signed, approved and executed by Bayview Loan Servicing saying I didnt need to do anything else. I received instructions where to send the new modification payments. I have already sent XXXX XXXX my 1st Loan Modification Payment so I dont know what XXXX XXXX is talking about. She is a big liar, trying to scam more money out of me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a CFPB Complaint I am submitting regarding the Fraudulent accounts and information I found being reported on my Credit File. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPOT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX  Balance XXXX {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX  Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that you are expected to comply with the Fair Credit Reporting Act section 605b and remove the disputed items within the time allowed by law, so please do so.
Product: Mortgage

XX/XX/XXXX We purchased a home in Maryland as a short sale. In our HUD 1 it shows that the seller had two loans with 2 separate loan numbers. We received letters from the sellers mortgage company they accepted our offer, and we proceeded with the sale. 
Fast forward to XX/XX/XXXX we were selling our home and had a ratified contract, when 2 days before our scheduled closing on XX/XX/XXXX our buyers title company tells us there is a lien in the amount of $ XXXX outstanding on our home from the previous seller, and no title company will close the deal unless we assume responsibility. Our mortgage company XXXX XXXX XXXX XXXX basically does not wish to help because we did not have title insurance, and they can not file a claim because technically the loan does not exist. The previous sellers mortgage company was Freemont Investments, they went bankrupt, re-emerged as another company and eventually sold to Ocwen. Ocwen will not give anything in writing because they state there is no loan or lien, and flat refuse to provide anything to XXXX XXXX, the current company trying to close this new sale. To further complicate the matter Freemont Investments went out of business, and as said now is Ocwen, who refuses to assist in any way. The previous owners title company also went out of business and our title company we used, which was affiliated with XXXX XXXX XXXX XXXX, also went out of business. Now, we are being told that nobody can help us and the only two options we have are to either assume the $ XXXX debt that shows was paid off of on HUD1, or wait another 8 years for the $ XXXX non-existing loan that was already paid off to fall off of the records. As of XX/XX/XXXX our buyer is requesting to walk away, and this leaves us with a mortgage to a house we can not sell because Ocwen refuses to do the research and give us the release on something that was paid for on our HUD1. Basically, in a nutshell, Freemont Investments only released one of the two liens but received payment for both loand per our HUD1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXX/DEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Mortgage

My name is XXXX XXXX and I was a mortgage lender for Sun West Mortgage. I recently have decided to leave that company for being predigest most of my clients. Recently I have had plenty of clients submit a loan application through Sun West. I have been originating for over 3 years at several companies. At this point I have never had so many issues to be able to provide a pre-approval for my clients. I have attached a loan application on 1 of my clients along with all the conditions and the XXXX findings giving us an approval. They refuse to provide a pre-approval letter to my clients. I have had situations where I have had to request 24 months of paychecks from my clients. My clients have provided that, and they will still not provide a pre-approval letter. This is ongoing w/Sun West . I am currently no longer with them. I have another file currently with them, XXXX XXXX has sent in all the conditions as well and they had not sent the file into the VA for review. They have discriminated against all my clients, even the Veterans I serve. Sun West has help back a lot of preapprovals from my clients after running their credit and submitting all the needed documents and they refuse to pre-approval any of my clients. They have violated so may laws in the mortgage industry. They discriminate and should not be servicing loans. They only provide preapproval letters to those they THINK is worthy. Regarding wither the client is truly approved or not. They set up files so that files for clients do not get qualified. XXXX is a VA file and they sent it to the VA with a 50.5 % DTI knowing it will not work. They refuse to let the client know why and how to help them qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX  {$410.00} 4 ) XXXX XXXX  XXXX XXXX  {$4000.00} 5 ) Dept of ED/XXXX  {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX  {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance : - Late/Closed XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : - Chargeoff XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX CARD Date of Inquiry XX/XX/XXXX XXXX CARD Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, A credit reporting agency, has not been properly updating the reporting models accurately to reflect payments made to the lenders and dates of paid off accounts that should have a XXXX balances. 
When I brought this to their attention they stated they would contact the reporting agency/lender and dispute the oversite. However, while on the phone the dispute department agent verified their were different amounts on my report that I was not seeing on my membership account. So I asked how will Experian address that? He answered it would have to be the fault of the reporting agency. 
Obviously there is a glitch in there system that shows several banks have not updated since XXXX, NOT. My proof is I have 2 accounts by the same bank and XXXX said the report all on the same day not one on XX/XX/XXXX and the other on XX/XX/XXXX. 
The agent agreed that there is something disputable. How often am I paying more interest because these reporting agencies are publishing the wrong incorrect balances and paid off balances.
Product: Debt collection

I am receiving emails from Portfolio Recovery Services for a Debt they claim I owe to them. Subject : Request for Debt Validation and Assignment Contract Accounts : XXXX XXXX Dear PORTFOLIO RECOV ASSOC, I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I have the right to request the following information regarding the alleged debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is currently owed.

3. Verification of the debt or a copy of a judgment against me ( if applicable ).

4. Proof that the debt has been assigned to your agency.

To comply with my request, please provide me with the assignment contract or any relevant documentation that proves the debt was legitimately assigned to your agency. If you are unable to provide this validation and the assignment contract, I request that you cease all reporting of this debt to the credit bureaus and discontinue any further collection efforts.

Please send me confirmation in writing that my request has been fulfilled and that you have ceased reporting this debt. I appreciate your prompt attention to this matter and expect your response within 30 days.

Thank you for your cooperation. 

Sincerely, XXXX XXXX,
Product: Credit reporting 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year> XXXX 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 XXXX 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

The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( 4 ) XXXX   XXXX ( XXXX ) ( 5 ) XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Equifax is fraudulently reporting an account which has fully been paid off on my credit report. XXXX XXXX  for {$130.00} has been paid but they fraudulently refuse to remove it in violation of my rights. fraudulent company XXXX XXXX  is hurt I didn't pay them and paid original creditor iinstead. 
XXXX and XXXX have removed it
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I'm writing this with a heavy heart and a sense of frustration, having recently discovered multiple inaccuracies in my credit report. I carefully reviewed my report, a copy of which I recently obtained, and it was disturbing to discover that it was riddled with errors.

It's like reading a book about your life and discovering parts you don't remember living. It's unsettling and, to be honest, annoying to have your financial narrative misrepresented. It's like having a blemish on an otherwise flawless record that shouldn't be there.

The uneasiness I feel knowing there are erroneous facts on my credit report is difficult to put into words. It's not a pleasant sensation ; it's a little uncomfortable and, to be honest, more than a little frustrating. Every mistake, no matter how little, adds to the discomfort.

Although I am not a legal expert, I am aware that conflicts like mine are normally investigated and resolved within a fair time frame - approximately 30 days or so. As a result, I'm praying against hope that this will also be the case in my instance.

Finally, I'd want to convey my appreciation in expectation of your swift action on this situation. It is my honest desire that these inaccuracies, which appear on my financial record, will be addressed and repaired as soon as possible. I eagerly await your response at your earliest leisure.

Thank you for your consideration and patience in this critical subject.