23daVinci/CFPB_Complaints huggingface dataset:
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 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep reporting incorrect data on my credit reports. they are reporting addresses that are fraudulent.
Product: Debt collection

Medicredit debt recovery company has contacted me regarding a debt owed from XXXX XXXX XXXX XXXX. Medicredit has failed to provide a debt validation letter in writing, and their right to collect on behalf of XXXX XXXX XXXX XXXX. I have requested this information in writing and they denied my request for information over the phone. Additionally, I have never received any mail correspondence on this debt. I requested that a supervisor return my call to discuss this account on XX/XX/XXXX, and have yet to receive a call back. Medicredit also tried to say that I attempted to pay the account off via credit card but the card was declined for unknown reasons. I never authorized such a transaction nor can they provide documentation that I did. I want this resolved as quickly as possible because I am fearful that they will negatively impact my credit report.
Product: Credit reporting or other personal consumer reports

I have ask numerous occasions ( 6 ) for this attempt to collect debt investigated. This is a blantant attempt is totally against my rights under FCRA. Which is recking havac on my credit report.
Product: Mortgage

On XX/XX/XXXX, SLS received money from XXXX XXXX  Housing Assistance Fund in the amount of {$40000.00}. 

My first complaint is that the amount paid to SLS included money for 3 monthly payments going forward but SLS only applied money to 2 months going forward. 

My Second complaint is that I was charged over {$3500.00} in late fees, legal fees and property maintenance, valuations and other fees. Because of SLS 's errors, I shouldn't have been placed in foreclosure and charged fees. 

I should not have been placed in foreclosure or charged fees for 2 reasons : 1. Even though my dad had asked, SLS, many times to correct the account title to show my name so that I may get correspondence, SLS representatives confirmed that they received our requests but completely ignored us. Because I wasn't getting correspondence from SLS, I didn't know our home was going into foreclosure until XXXX, when XXXX notified me that my homeowners insurance was being cancelled. I had to ask them to research why it was being cancelled and after researching they found out that it was being cancelled because our home was in foreclosure. 

2. The government requires that the account is frozen when the servicer is made aware of the HAF application. The first time, SLS was made aware of our application was in XX/XX/XXXX. Unfortunately, XXXX ( SLS HAF dept ) lied about knowing that we had applied for the funds. I'm providing proof that I notified SLS about our application in XXXX and XX/XX/XXXX, but the house was still placed in foreclosure. I called XXXX several times to explain the situation, but he never mentioned that we were in danger of going into foreclosure. XXXX is unprofessional, vindictive and condescending, he lied about so many things and never documented our conversations in my file. 

I'm also including proof of some of the requests to correct the account title as well as proof that the account wasn't corrected until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 
"
Product: Debt collection

A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX XXXX bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax to have a collection account that does not belong to me removed. I believe that they did not investigate this matter properly because it was removed from my other credit reports immediately. I received an email from Equifax stating that the dispute was complete and it wo n't even allow me to see the information.
Product: Debt collection

This company has repeatedly broken the law contacting me illegally sending me mail and email about this fraudulent account that's not my I already submitted a police report FCT And now I'm attaching a cease and desist letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account ending in # XXXX, has violated my right. 

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

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had XXXX - XXXX different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter XXXX ), that HSBC submitted {$30000.00} in back payments, late fees, interest, and legal charges. When I contacted them, they stated that we were actually never approved for the initial modification loan. This was a new loan officer. I asked how we had been paying the modification amount for 2yrs, without any contact via phone or mail, as they had all of our current contact info. To this day he still has n't answered that question. Now they are offering us another modification loan, including the extra {$30000.00}, making our mortgage payment more than it was when we XXXX got our fixed rate. We 're being punished due to someone on their end dropping the ball on our XXXX modification loan. Our modification amount went from {$1000.00} to {$1600.00} a month. Our home is only worth {$160000.00}, but now we owe {$220000.00} after we have been paying mortgage for over 11yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.
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. 
XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, has violated my rights. 


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: Payday loan, title loan, or personal loan

I am being harrassed on a daily basis. Company in question is calling and harrassing me and my coworkers and family at my job. Which has almost caused me to lose my job.
Product: Student loan

Repeated calling and getting hung up on. They text and email you to call them. Reps hang up when it's not what the company wants to hear.no real attempt at helping or listening to customer concerns.
Product: Credit card

I took out an account with care credit which is managed by synchrony bank and they charged me an large amount of introduction that took me well over the amount that they loaned me. To date I've payed them close to XXXX for XXXX in credit I borrowed to get XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX  accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Product: Bank account or service

My insurance company XXXX sent me a payment for {$450.00} on XXXX XXXX, 2015 through Bank of America 's Mobile Transfer service. Bank of America sent me a text message the same day saying they had received the payment and would credit my account. They still have n't done that. When I called them, they said they have no record of the transaction.
Product: Checking or savings account

We were scammed out of {$36000.00}, contacted Wells Fargo and reported fraud, however investigator indicated that there was nothing they can do about my situation regardless of pleading with them that we do not have a relationship with XXXX XXXX and we have not benefited from any services they provide. My checks were deposited into a Wells Fargo Account. I've been a customer of Wells Fargo for over 30 years, they know I do not have such relationship, they should have flagged the checks and allowed us to proceed with fraud, but they refuse to do so.
Product: Credit card or prepaid card

XXXX XXXX account gas card. had the card and stopped using the card because of job lose. they wont work with me and is selling the account to other companies and they are trying to get me to pay it. i cant pay it i had to stop working and am on a fixed income,
Product: Debt collection

I settled a collection with DIVERSIFIED CONSULTANTS INC. At the time of payment, the representative agreed to " Pay to remove from credit ''. I have disputed this with the credit bureaus, but DIVERSIFIED CONSULTANTS INC continues to report it. I believe this is unfair since I agreed to pay for them to remove.
Product: Mortgage

Mr. Cooper is claiming my escrow account is $ XXXX short while also having $ XXXX currently in the account. Furthermore their " analysis '' shows they expect some fictional HOI company to bill them a phantom {$1700.00} two months in the past. Either their analysts think people carry dual HOI policies or their letter of " analysis '' is misleading. Furthermore, while in the middle of a servicing transfer from their subservicer back to in house servicing ( something I have gathered from their XXXX letters, XXXX emails, and XXXX random email saying everything was wrong ) they are changing their policy to require two months of escrow padding. While permissible under RESPA, this is absolutely poor timing as they don't even know what they are sending out in terms of servicing transfer letters. Now, while they don't even know what to do with the transfer, they expect their consumers to understand and follow which loan numbers are actually associated with the escrow account they are referencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters of XX/XX/2023. I told the credit bureaus to investigate every piece of on the accounts I have listed below also I have attached the original dispute letters I sent out as well as the tracking numbers. In accordance with the fair credit reporting act. They stated my accounts were verified how is this possible, if they did not do a proper investigation according to the law on my account, and which I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds under the law for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. Also, they have my sisters name on my report. How could they have possibly done a thorough investigation? 

Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account number - XXXX Account name - XXXX XXXX XXXX Account number XXXX Tracking numbers- XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ) XXXX XXXX XXXX XXXX XXXX XXXX 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX bank and the credit bureaus are XXXX.
Product: Debt collection

company has written account as charge off in the amount of {$640.00}. contacted company to have the 1099-c forum sent to me company refused. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law. 

I am also requesting that the company send me the " ORIGINAL '' contract copy with my signature I am also requesting that this company send a copy of the payment history, as well as the " ORIGINAL ' address of the " ORIGINAL '' creditor and I am also asking for proof of collection authorization.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing you to bring to your attention a few discrepancies in my credit report that i am sure requires your immediate investigation as my information has been stolen and use to open a number of fraudulent accounts and loans in my name. Additionally these fraudulent accounts has been causing me severe emotional stress as i am currently in the process of buying a home for me and my family. I kindly request a thorough investigation into these matters and removal of all inaccurate information on my credit report. I understand that the Fair Credit Act ( FCRA ) mandates that the Information on my credit report be accurate and verified. I have reach out to my creditors who have informed me they have no knowledge or evidence of credit associated with them. 
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Product: Mortgage

My grandmother-in-law ( " grandma '' ) unfortunately has a reverse mortgage on her primary address. My grandmother is originally from the XXXX and English is her second language and is XXXX years old. 

In XX/XX/XXXX, my Grandma 's home was foreclosed and sold. Ever since her husband had XXXX, she did not understand how to get her own home insurance, therefore XXXX XXXX who held her Reverse Mortgage would force place home insurance on her property. Grandma did n't understand how the payments would work and would eventually get them paid late. Unfortunately, the XX/XX/XXXX amount of {$2100.00} was never paid and XXXX foreclosed. Grandma had the unfortunate event of having the new owner come to her house which confused her greatly. This is where she got me involved to see if I could help. Through a month of phone calls and pleading, XXXX was able to contact the new owner of the home and get the sale of the home reverse and the rescinded the foreclosure. 

In XX/XX/XXXX, it was time for the next year 's of insurance to be paid. Grandma made the {$2000.00} payment in XX/XX/XXXX or XX/XX/XXXXto pay for the full year of home insurance. No monthly payment option was available. 

In XX/XX/XXXX I was contacted and informed that her maximum claim amount was going to be reached and that her reverse mortgage was going to be transferred to H.U.D. for servicing. This could only happen after she obtains her own home insurance. 

In XX/XX/XXXX, we were able to secure new home insurance for grandma 's home and had to pay a full that new premium for her own insurance. We contact XXXX XXXX and informed us that grandma was due a {$1100.00} refund for the original forced place insurance. 

Since XX/XX/XXXX, we have continually contacted XXXX XXXX and they have not been able to inform us why grandma 's check has not been sent to her. They continually tell us that they are researching this with never an answer. We are now in XX/XX/XXXX and I have contacted them for three straight days and they still can not provide us an answer. 

Grandma is on a fixed income and desperately needs those funds returned.