23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2019 I called my mortgage company and asked how can I catch up with my mortgage? After trying to get me to pay some balloon payment for a year I told them I couldn't afford that. Mind you I'm only 2 months behind, then they suggested a loan modification. With no one completely explaining the matter to me and making it sound so simple I agreed. The company has been dragging me along for 3 and a half months. Now we are in foreclosure status and they had a sale date for next month but it was canceled. Everytime I call in which is 2 or 3 times daily I get a different reaction. They need this and they need that so I send it and 2 days later they need something else this has been going on for months now and is still happening until this day. Every representative tells you something different but no one solves the problem. This is the worse experience of my life been in my house 12 years with no issues until now can anyone tell me where this company came from.
Product: Debt collection

I have sent multiple letters to this deceptive collection agency and they have REFUSED to send me any proof of a debt ever existing that they have reported on my credit reports. they ask ME for proof which makes no sense at all! They are reporting an verifying unvalidated information on my credit reports. I have written letter after letter since XXXX 2015 with nothing other them them responding with their name, rank and social security number! I want billing records, a contract, not a paragraph telling me they own a debt without one bit of proof that they purchased any debt nor that the debt is mine in the first place.
Product: Vehicle loan or lease

NOTICE OF DEFAULT OPPORTUNITY TO CURE Date : XX/XX/XXXXXXXX  American Honda Financial Corp DBA To : Acura Financial Services XXXX XXXX XXXX XXXX GA XXXX Attn : Client Relations Manager Account Number XXXX Pursuant to the Uniform Commercial Codes for ex. UCC 3-603, 3-604, & Contract laws this is to inform you that you are in default of the above-referenced account number. 

Please be advised that I, XXXX XXXX  XXXX the holder of a certain promissory note/coupon dated XX/XX/XXXX, made by you in favor of me in the original principal amount of {$30000.00}. 

You are hereby notified that you have defaulted to honor the tender of payment that was sent to you in good faith, on XXXX XXXX XXXX XXXX  at XXXX XXXX Delivered on XX/XX/XXXX via registered mail to Honda Finance Exchange XXXX XXXX XXXX in the installment amount of {$30000.00} due on XX/XX/XXXX, & to Your Indenture Trustee at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  attn XXXX XXXX. Another Tender of payment was sent to Honda finance Exchange with overnight delivery attn to customer relations manager and a letter to the Indenture Trustee XXXX XXXX at XXXX XXXX  to Speed up the process for an illegal repossession, return of the vehicle & amount paid in full. Along with a 1099a that YOU AHFC accepted by returning the copy B. the debt is now discharged. 
You had to legal ground to give my information to my home to a non affiliated third party towing company. AHFC had no legal judicial warrants as well, such actions are in violation with the USC Laws, also unauthorized credit reporting Violating FCRA. also The Privacy Act of! 974. 

Due to the Arbitration laws being amended in XXXX, Arbitration is not mandatory yet still can be filed if no compliance has been made. 

Due to federal laws, UCC codes, and the UCCC Acura financial Services has been in direct violation of not honoring secured registered securities. Securities that were sent by XXXX XXXX XXXX as tender of payment.

I hereby make a demand on you for full payment of the entire balance due on said note, including interest accrued till date.

If the entire amount due is not credited to the account in full, on or before XX/XX/XXXX, I shall commence legal proceedings against you. In which case, you will be liable to pay costs of collection, including attorney 's fees, Arbitration fees, any and all court appearances. 

last but not least the contract that was sent to me is a fraudulent contract, the signatures were placed there i can tell because those are old signatures that the company stored, as a copy and paste. I have a copy of the contract, XXXX Replaced the signatures from electronic to a digital copy and paste and I can prove that as well. contract that I have from Acura of XXXX XXXX XXXX XXXX imports, has no signetures. Therefore shows proof that the contact was signed fraudulently. 

Truly XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is violating XXXX XXXX XXXX. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance
Product: Debt collection

Date opened : XX/XX/XXXX Amount : XXXX I contacted PROCOLLECT, INC. to see why and how they are on my credit and in collection when I never had a contract with them, and I also have a Judgement of Release from XXXX XXXX XXXX XXXX  on JXXXX XXXX XXXXXX/XX/XXXX, for owed rent and attorney fees. Also, these apartments were demolished, so accessing my ledger is very difficult. 

A judgment release, also known as a satisfaction of judgment, is a legal document that proves a debt has been paid in full. It is signed by the creditor and is final. Which I provided to PROCOLLECT , INC . 

They were also very rude when i spoke with them.
Product: Checking or savings account

I disputed a transaction Bank of America on XX/XX/2020 in the Amount of XXXX for a service with XXXX XXXX XXXX. This is what was sent below. My claim was denied on the basis of duplicate billing, however I am not sure which reasoning this best fits under. The service was clearly not as described. 

Dear Claims Department : I am submitting this statement to defend my claim # mentioned above. On XXXX, XXXX XXXX XXXX charged my account in the amount of XXXX. I have attached the invoice, highlighting the areas of my concerns, minutes quantity and message quantity. These were items that I WAS NOT suppose to be charged for according to the updated agreement signed. In the agreement attached, I have highlighted the area where it CLEARLY states that SMS and call minutes were included in the FLAT monthly charge of {$590.00}. 

This program is a " Done for you '' system, in which virtual assistants send out texts and calls on your behalf. ( highlighted in the agreement ) The client does not control the amount minutes/texts that are incoming or outgoing. 

Please review the portions of the contract highlighted along with the invoice. I am sure you will find that this is a clear discrepancy. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Product: Money transfer, virtual currency, or money service

For the last 7 weeks ( and counting ) I have been trying to connect my business bank account to my PayPal account. What should be a simple task has turned into a case of unfair treatment and targeted discrimination against me for reasons I am still not aware of. I have submitted the requested XXXX business verification documents as requested by PayPal 5 tims now and yet even today I am still getting emails from PayPal requesting I submit the exact same documents again. I have tried to resolve this through their online chat platform only to be bounced around to multiple people in the same conversation who either just give me generic information or do not respond to my requests. As their customer service call centre is not accepting any incoming calls due to the COVID pandemic ( which as a professional in the OHS and Risk field struggle to understand ) I have requested more than a few times for a senior manager to contact me direct via phone to hopefully resolve this issue. Documented evidence can be provided upon request.
Product: Mortgage

Was on active forbarence plan with flagstar called to request to come out and selected the option to put missed payments at back of loan in XXXX was told I would get a letter to except offer and not to pay at this time until after letter was received them today XX/XX/XXXX received letter from a different servicer sayin they own the loan and no offer of any type was reported
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report today, which left me shocked and confused. I routinely check my report without issues, but this time discrepancies appeared. Refreshing the page didnt resolve the matter. I demand that the documents I submitted be reviewed so I can stop worrying.
Product: Mortgage

In early XXXX of this year, I made an offer on a home and it was accepted. I worked with a loan officer named XXXX XXXX with Guaranteed Mortgage to obtain a mortgage for the house. The process was touch and go despite me being pre-qualified. XXXX had called and informed me that in order to get the home moan, I would need to ask my boss for a raise from $ XXXX to $ XXXX. I clarified with her that I needed assurance that it would work if I were to ask, and the home loan would be obtained. I also was informed that at the juncture of this communication, I could still get my XXXX back if I withdrew from the deal. XXXX called me back a little while later and informed me that she talked with the powers at be, and that I would be able to secure the loan. I asked my boss for the raise, he was kind enough to give it to me, and I continued cooperating with XXXX and guaranteed mortgage. Then less than a week before I was supposed to close on the house XXXX informed me that it wouldn't work despite entering into a verbal contract with me. At this point I was moving out of my rental, and instead of paying for lodging for a week, I was effectively homeless. I was later able to secure a loan through a different company, but because of XXXX and Guaranteed Mortgage 's deplorable malpractice, breech of contract, and what I believe to be discrimination, I had to pay for am additional month of lodging, eating out instead of cooking at home, and very narrowly avoided losing the opportunity to be a homeowner. I had a lawyer serve them with a specific performance letter, but they failed to heed that as well. Because of the additional loss of funds and the failure on their part, I think it'd only be fair for them to reimburse me in the amount of {$30000.00} for the previously mentioned expenses and failures.
Product: Credit card or prepaid card

I bout XXXX XXXX  online from XXXX for XXXX on the XX/XX/XXXX the funds came out of my account on XX/XX/XXXX for XXXX. I never did get the tires they were shipped XXXX tracking # XXXX they were delivered to the wrong address. I file a complaint XXXX XXXX They { XXXX } could no find my tires and has noted them as missing undelivered to me. Some one by the name of XXXX signed for the tires I dont know them and that is not my name. I called XXXX XXXX time they told me the order went out from a third party and they can not do a refund and that I would have to dispute it with my Bank. Called my bank opened a dispute on XX/XX/XXXX I was told me it could take up to XXXX days I am getting nowhere with this please help
Product: Credit reporting or other personal consumer reports

after various attempts i had some items removed off of my XXXX XXXX and TransUnion report. they were gone for some time and have recently appeared negatively impacting my credit score. there are also accounts showing different information. I've filed several complaints ; you can check my activity log and there you will also find the steps I have taken in the past the remedy the issue prior to this one. there is a lot of incorrect and misreported information and no company in question has submitted a wet signature, or produced documents to me that prove the items are actual. the following is from a previous complaint. the accounts involved are the same for this new complaint. ( ( in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN # and signature. INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : TRANSUNION 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 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 would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Thank you ) ) the following can be used to reference and locate previous evidence which in fact support the new claim XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration with the recent outcome of my second attempt to remove a fraudulent items from my credit report. Despite providing comprehensive documentation and evidence proving the fraudulent nature of the item, I have once again been met with a disappointing response from your agency. 

I submitted a formal request to investigate and remove the fraudulent entry on my credit report, which has been adversely affecting my credit score and financial credibility. I included detailed explanations, supporting documents, and any other pertinent information required to facilitate a thorough investigation. 

However, much to my dismay, I received a response indicating that the item in question was verified as accurate and would remain on my credit report. This response was deeply disheartening and failed to acknowledge the clear evidence I provided, demonstrating that the item was indeed fraudulent and should be removed immediately. 

Despite my efforts, I was once again met with the same dismissive response, with no meaningful explanation provided for the decision to uphold the fraudulent entry. 

This repeated failure to address and rectify the fraudulent items on my credit report has not only caused significant distress and inconvenience but has also undermined my trust in your agency 's ability to conduct fair and accurate investigations. As a consumer, I have the right to expect that credit reporting agencies uphold their responsibility to thoroughly investigate disputes and act in accordance with the law. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting that immediate action be taken to rectify this matter. Specifically, I demand that : The fraudulent items be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. I am asking for your assisstance to remove these fraud items in my credit file : 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 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

TEK COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research TEK COLLECT is a debt collector. They are falsely reporting to my credit! Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with TEK COLLECT. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95- 6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX