23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

The company ( XXXX XXXX XXXX XXXX ) doesn't allocate my monthly payments to my creditors. I have to pay {$560.00} a month and so far, I paid {$10000.00}. Mostly, it went to the law group. I feel I'm being milked dry. The underwriter didn't explain to me that the lawyers take XXXX XXXX Sometimes, the monthly payment goes to them. My money goes into a " pot '' the bank is XXXX XXXX I'm tired of not having money and my bank account at the end of the month is negative. It has taken a toll on myself, my marriage and my family.
Product: Mortgage

I was sent loss mitigation paper work and I had them notarized and submitted. Essex mortgage contacted me and told me they were not accepted and I needed to resubmit them. I spoke with someone on XX/XX/XXXX. Explaining to him my situation and that I would not be home until XX/XX/XXXX to receive the new documents and I was not in range of a printer to print the documents from my email. He stated there were no worries because my first payment on this loss mitigation agreement wasnt due until XX/XX/XXXX so as long as they were returned before then we are in the clear. Now today XX/XX/XXXX one week later I have people harassing me about these papers as if I dont already have enough going on. Not to mention I have a family member checking our mail back at home and the documents have yet to be sent to my address. There is absolutely no communication within Essex mortgage. Absolutely nobody truly cares what youre going through. I was told I wouldnt be harassed over these documents and not to add this to my stress Im already facing. Yet, here I am receiving collection calls. From someone very rude I might add.
Product: Credit reporting or other personal consumer reports

Please examine all the enclosed documents as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined XXXX of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XX/XX/XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XX/XX/XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XX/XX/XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX ) XXXX or my cell phone logs ( XXXX ) XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a Federal Law Enforcement Officer, they have committed a Felony under 18 USC 1001. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and XXXX concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is illegally reporting my bankruptcy on credit report without my consent. I calllex the US bankruptcy court in XXXX. And they stated that, They do not share your personal information. Or do they report to the credit Bureau.
Product: Checking or savings account

Bank of America closed all my accounts after 12 years as I was a victim of account takeover and identity theft. They did not give me much information only that they received a letter from another bank that a wire that I initiated was not valid but it was valid. I believe I may also have a charged off account with them. I would like to work with Bank of America to get me a checking account with them since I will be initiating a mortgage with them also and you can get a lot of relationship bonuses. I don't think it's fair to shut down my accounts as risky when I am the victim and was hoping to discuss how we could fix this XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another  loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Product: Credit card or prepaid card

On or around XXXX of 2023 I paid XXXX dollars to this company after I had paid them out in full a few months earlier. I was shocked to see that I was being charged the XXXX dollars because I had not used the credit card since long before I paid it off. I later found out that this card had been attached to my XXXX account somehow. I immediately removed it from the account and I was so upset about it that I decided to pay them in full and never use the card again. Until this day I have not used the card, but they're saying that I owe them more money. I asked them to give me some transactions of what I had made. He said they were for XXXX. I had no transactions on my XXXX account showing anything relating to that card.
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent accounts on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please see my Identity Theft report and documents in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to XXXX and XXXX XXXX XXXX one month and the second month I got XXXX by a XXXX. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

The loan documents the company sent me have a creation date in the margin that is long after the loan. Clearly these are not the original loan documents as the rate of interest was changed and there are no terms and conditions. Clearly these documents are fraudulent. I want the electronically confirmed copy of the originals which is required by law. 
They have obviously chosen to ignore this fact in my previous complaint.
Product: Credit reporting or other personal consumer reports

dated : XX/XX/XXXX XXXX the FCRA ( Fair Credit Reporting Act ) as a federally protected consumer. I am now opting out of " any and all " authorization. I the consumer may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802-6805, Privacy Act

Of 1974. Also in violation of : 15 USC 1681 Permissible Purposes - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. - In other words meaning ( I ) the consumer have to first and foremost give written signature/consent to rightfully endorse.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting this letter to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I've disputed these accounts multiple times between XX/XX/XXXX and XX/XX/XXXX. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent info to all 3 credit bureaus on a bank of america mortgage and they was all deleted around XX/XX/XXXX or XXXX but in late XXXX it was added back on to my credit and i didnt get an explanation why it was added back, i called all three credit bureaus and they gave me all the same answer, i must reach out to bank of america, i called 4 different numbers on it and all said they do not see a mortgage that i have, so they gave me a number to bank of america fraud XXXX it doesnt answer it goes to an answering service that take your statement, i sent mail to them stating i need the reason why you added a mortgage back to my credit and no answers back but a generic later stating they are working on what i need but no info on what info they have to add it back to my credit, so im writing you all because this is ( 1 ) Defamation on me and my credit ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Reporting ACT, on all 3 of my bureaus as inaccurate about the bank of america account, they all have different amounts, closing dates, and 30 60 90 days late is different on all 3 bureaus, and by law it has to be removed for inaccurate information, i want it done immediately
Product: Money transfer, virtual currency, or money service

I was scammed for {$260000.00} Wire Transfers initiated from XXXX to XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX ). 

I filed a complaint to FBI ( IC3 ), FTC, Law Enforcement ( Sheriff ), NCDOJ, FINRA, SEC, and to all the Wires initiated banks and beneficiary banks for investigation and recovery. 

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
Product: Credit reporting or other personal consumer reports

Didn't receive enough information to verify the debt Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b ( 2 ). Company has also NO Permission to REPORT ANYTHING using my info pursuant to 15 USC 1681 4
Product: Debt collection

LVNV FUNDING LLC on behalf of XXXX XXXX is attempting to collect money I do not owe ... I received merchandise that was broken, missing parts, and looked to be used ; merchandise was returned to XXXX yet my account was never credited for the return ... I've made many attempts to contact XXXX & XXXX to resolve the issue but they are unattainable, with Customer Service being non-existent... I am not, will not, absolutely won't pay a dime I do not owe and fully intend to pursue legal action if these three companies ( XXXX*LVNV FUNDING LLC ) can not resolve an issue not created by me... I've attempted to find legitimacy in LVNV FUNDING LLC that proves they even have the legal right to do business such as they are, but that was to no avail so I have no idea who these people are who have my information ... Bottom line I DO NOT OWE SO I WILL NOT PAY ...
Product: Credit reporting or other personal consumer reports

The following fraudulent accounts were opened in my name without my authorization : 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 These accounts are being reported by TransUnion, Equifax, and Experian, despite their obligation to ensure accurate reporting. I request that the CFPB demand the credit reporting agencies immediately investigate and remove/block these items from my credit file within the FCRA-mandated four ( 4 ) business days. 

Under the Fair Credit Reporting Act ( FCRA ), I request that the CFPB immediately demand the credit reporting agencies remove these accounts from my credit reports within four ( 4 ) business days. These accounts are fraudulent, and their presence is negatively impacting my credit standing. 

I have attached my FTC Identity Theft Report and supporting documentation for your review. I urge the CFPB to intervene and ensure that TransUnion, Equifax, and Experian comply with the law by removing these unauthorized accounts promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection accounts with Equifax for several attempts, to no avail XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
Product: Credit card or prepaid card

I was traveling in XXXX used capital one card at lot of places and my card got stolen and saw few fraud transaction which I reported and capital one denied the claim without any investigation. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount of Charge {$38.00} {$68.00} {$4.00} {$2300.00} {$4.00} {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XXXX 2019. The 30-day late payment is for annual fee which I was not aware I had to pay. On XXXX statement it said that I have a past due of {$40.00} because of an annual fee. First Barclays bank was supposed to be making auto payments regarding my account ( XXXX ). Second, I have a {$30000.00} credit limit with Barclays which I dont even use so that means it was not a money issue but a bank error. Third it is an annual fee which I was not even aware I was paying. I was aware of this incident because I was informed by my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$15000.00} deposit for the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XXXX at XXXX am get and spoke with XXXX XXXX in the XXXX Special Handling department. I advised XXXX that due to a glitch in Transunion 's system in XXXX of XXXX and XXXX XXXX I had inquires to be removed and added back without a 5 day written notice as federal law requires. XXXX refused to remove the hard inquires from my credit file permanently and stated that they do not have to provide written notice when adding them back. This is causing an undue hardship as it caused my credit score to drop drastically do to their glitch. I feel that I am continuing to victimized by Transunion due to their negligence. Please help me get this resolved and those inquires removed.
Product: Debt collection

caller asked wife for XXXX XXXX, she asked if they had his address, man said yes that he mailed something and this is why he was calling. She told him to not call, he said he would call back and hung up on her. he called right back, she did not answer and he did not leave a message. While filling this out he called again, did not leave a message. That is 3 calls in 5 minutes.