23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : Error Resolution Notice under 12 C.F.R. XXXX Loan # XXXX Dear Cardinal Financial Company , Limited Partnership : I am writing to request correction regarding an error with the mortgage on our property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, After XXXX exhaustive and failed attempts to resolve my concerns directly with your customer service team @ ( XXXX ) XXXX, I am now reaching out through this error resolution notice to secure a resolution. 

On XX/XX/year>, I contacted the above-referenced customer service line requesting support with identifying the status of a property tax bill due on XX/XX/year>, that the XXXX XXXX XXXX had not received. I had previously spoken with the XXXX XXXX XXXX department, and they confirmed that the only payment received was check # XXXX, sent by me on XX/XX/year>, and deposited to the tax account on XX/XX/year>. 

Your customer service representative confirmed that a payment had been sent on XX/XX/year>, and suggested I wait a couple of days and then call back to see if the payment had been posted. On XX/XX/year>, I contacted the XXXX XXXX tax department again, where they reviewed my account and assured me that no payment had been received from the mortgage lender. The tax representative assured me that payment processing is typically completed in 5-7 days, and they are not experiencing any delays in processing payments or addressing inbound mail. 

I immediately contacted your team again, requesting help identifying where the check had been sent, whether it was cashed, and whether your team could issue a stop payment and re-issue it. The representative repeated what was on the screen, informing me, Cardinal did their part, and sent payment. She indicated there was No way to confirm the check had been cashed, and issuing a stop payment was impossible. 

While I understand that checks get lost in the mail, I find it difficult to believe your company has no recourse when the intended recipient does not receive payments. If I had not made my initial tax payment on XX/XX/year>, my account would now be deemed past due ; sharing this dilemma with your team has resulted in zero effort to investigate or resolve the issue. 

My loan process with XXXX XXXX and his team was straightforward and seamless ; XXXX demonstrated exceptional communication throughout the funding process and helped navigate the entire process with a tone of professionalism ; this experience resulted in XXXX and his team earning multiple five-star reviews on various social media sites. 

The lack of transparency from your customer service team surrounding my tax liability payment leads me to question the accuracy of processing my year-to-date mortgage payments ( which appear to be overpaid ) and escrow account balance. 

Your support in resolving this would be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX,, XXXX 
Experian.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.
Product: Debt collection

Called threatening to pick my vehicle. Told me I need to make someone loan money in order to become current. 

Did not ask me no information. Told my information to a family member that called from my phone number. Did not ask any info to verify if it was myself. 

These people are very very very rude and not professional. 
MEI AUTO FINANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

the Experian credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX emailed me on XX/XX/year>, Hey XXXX, your WELLS FARGO needs some attention. I am disappointed with WELLS FARGO stating that I have a CARD SERVICE ACCOUNT needs attention. I HAVE NEVER HAD A CARD SERVICE ACCOUNT FOR A LATE PAYMENT. IT WAS ADDED TO YOUR ACCOUNT FROM WELLS FARGO. I WISH THAT WELLS FARGO WILL GET ALL THEIR INFORMATION CORRECTLY. WHY ARE THEY DOING THIS TO ME? THE ONLY CARD I HAVE EVER HAD WAS A DEBIT CARD. I DO NOT KNOW WHERE WELLS FARGO GOT CARD SERVICE ACCOUNT FROM. I RECEIVED THIS EMAIL FROM XXXX XXXX DATED XX/XX/year>. I JUST SAW IT TODAY XX/XX/year>. THEY SAID IT WAS AN UPDATE : LATE PAYMENT REPOTED TO XXXX. I HAVE NEVER HAD A WELLS FARGO CARD SERVICE ACCOUNT. THANK YOU. HAVE A BLESSED DAY. JUST LETTING YOU KNOW WHAT WELLS FARGO IS STILL DOING TO US. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with Victoria Secret for years. There is a negative remark on my report from a time I went into the store to make my payment, as I was cashing out. The clerk said her computers were messing up, but assured me it went through. I believed her. I just went to apply for a vehicle last week, and it's still there. I have called and talked to many supervisors and they said they can't help me. Look at my history with them, NO LATE PAYMENTS. This was not my fault
Product: Credit reporting or other personal consumer reports

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established Metro 2 data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX  Late Payment {$1800.00} XXXX XXXXXXXX XXXX  Late Payment {$8800.00} XXXX XXXX XXXX XXXX  XXXX Late Payment {$600.00} XXXX XXXX XXXX Collection {$2400.00} XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXXXXXX Charge-off {$3100.00} XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 and XX/XX/20 Equifax processed/ran 2 fraudulent credit inquiries made by XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with Equifax and XXXX since XX/XX/20. I had informed both of them that I do no business with XXXX - no account, credit card, loan or anything. 
My Equifax communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create Equifax account to review their outcome online but called and was informed the XXXX inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by Equifax - again listing the XXXX listed above. XX/XX/20 I called Equifax and was given information on how to file a complaint with Equifax. 
My XXXX communications via telephone started XX/XX/20. I made on-going telephone calls for days to XXXX and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called XXXX Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...
Product: Debt collection

This debt does not belong to me. I've stated this more than once with XXXX XXXX XXXX XXXX. Now it seems that this new company is also trying to collect on something that's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 CREDCO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. We have already disputed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information via experian upload more than two months ago.I am writing to dispute the following information that appears on my Experian consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I've attached the documents with this complaint.
Product: Debt collection

After repeatedly receiving harassing phone calls from Agent Heard at Professional Debt Mediation Inc, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, Professional Debt Mediation Inc , received a notarized XXXX, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Certified Mail. ( See attached documents ) Per the XXXX, PDM had 21 days to respond with a completed notarized XXXX XXXX XXXX. As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from PDM. This was the remedy provided to PDM and they have failed to perform. I will be sending out a Notice of XXXX to PDM executives within the next 48 hours. All XXXX XXXX XXXX XXXX XXXX were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter requesting proof of inaccurate accounts that were claimed to be verified by this company. It has been almost 2 months and I still haven't received a response. The fcra gives 15 days for the requested info to be provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when Equifax reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of it.
Product: Payday loan, title loan, or personal loan

I got a high interest loan. I wanted to cancel it within the two days but am having trouble contacting anyone. I have sent multiple contact us emails through the website. I intially told the representative I get paid on the XXXX and XXXX. They tried to take out the money on the XXXX. The man on the phone said they had to take it out early due to South Carolina state laws. He refused to take extra money out so I could get this paid off early. The number given goes only to him. He is very mean and rude. I tried another number they gave me which has a recording that says it is an attempt to collect a debt but noone answers. I finally sent an email saying I revoked their authorization to take money out until I could talk to someone to straighten things out and they took out money anyways. I have no idea what to do. Because they won't take extra out and I can't work something out with them to take it out on my paydays I would literllay be paying this off forever.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Accounts : ( XXXX XXXX XXXX ) # XXXX XXXX date XX/XX/XXXX. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wrong addresses on file. 
Remove both XXXX XXXX XXXXXXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and their accomplice XXXX XXXX  have zero regard for the law contained in the fcra. 
the accompanying attachments fully explain the uncontrovertible, unconscionable regard for damage inflicted time and again with more than 15 verified disputes on the attached account. 
the account is fraudulent. 
the account is duplicated with two different account numbers. 
the account has been disputed 15 times and never certified. 
the account has no regard for accuracy. 
the balance unpaid was created by the creditor ... see balance history, it is not factual or accurate or even possible to occur as reported ... it is impossible for the reported balances to happen the way the bank states in any case..it is more than likely computer or operator error. 
no one has looked at the obvious face of the record in 15 disputes. 
it seems as if there is no way this false reporting could hurt me more ... as a single not duplicated item its a loss of creditworthiness in the realm of 40 fico points but transunion has decided to publish the same account with two different account numbers and two different payment histories and all other info the same amounts, dates of opening etcetera to damage me more severely so that i not just have one serious derogatory but two of them on an otherwise perfect credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : JPMCB in the amount of {$42000.00} XXXX  XXXX XXXX in the amount of {$22000.00} XXXX Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 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 an account without my written instructions.

15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I just want to make sure that it is a legitimate debt collecting company. I paid them {$610.00}. there name is " XXXXXXXX XXXX '' Address & telephone number : XXXX XXXX XXXX XXXX XXXX, CA XXXX TEL : XXXX I paid them because they threaten to sue me and garnish my wages so I was afraid. I have tried to look for myself to make sure that it is not a scam and I am hoping that it is not but I want to make sure please. Thank you for your help with this matter. 

Sincerly, XXXX
Product: Checking or savings account

Back in XXXX BBVA ( bbvausa.com ) made the decision to shut down Simple Bank ( simple.com ) and transition all of its customers to BBVA instead. The transition was supposed to have taken place on XX/XX/XXXX, however since BBVA shut down the Simple app many customers ( myself included ) have had no access to our accounts and have been unable to register for access through BBVA and have been unable to contact BBVA in any way. 

I tried multiple times yesterday to contact BBVA by phone however their phone line just lead to an automated recording saying they were having difficulties and then hung up on you. BBVA stated multiple times on XXXX yesterday that the issue should be resolved however I am still unable to gain access to my account. Around XXXX last night BBVA made a statement on XXXX that there would be another customer support line setup for Simple customers to call on Sunday for help. I have attempted to call that line multiple times this morning only to be met with silence followed by the call disconnecting XXXX XXXX  : XXXX ). Others who have actually had someone answer the line have been hung up on after stating they were Simple customers XXXX XXXX  : XXXX ). And numerous others have stated that after calling the service representatives either laughed at them XXXX XXXX  : XXXX ) or pretended to not hear them XXXX XXXX  : XXXX ) and then hung up. 

You can find many more examples by just searching for replies to BBVA_USA 's XXXX account : XXXX  : XXXX  XXXX & XXXX & XXXX BBVA has also been repeatedly hiding any replies to their posts stating that the information they're providing is demonstrably untrue : XXXX  : XXXX XXXX  : XXXX As of XXXX on XX/XX/XXXX. Two days after the transition I still have no access to my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was reviewing my credit reports. XXXX, Equifax and XXXX. 

I noticed that on XX/XX/XXXX there was a hard inquiry on my credit reports from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I knew that I did not have nor did I attempt to obtain any creditcard from XXXX. 

I called XXXX at XXXX and spoke to them two times which is their fraud department. The fraud department checked my concern about someone applying for credit against my name, first and last name, date of birth, social security number and each time could not find any attempt to obtain credit with that information or any active account. 

I explained to them that the acocunt was listed on my credit reports, experian, equifax and transunion XX/XX/XXXX. The Fraud department stated they can't report to have it removed from my credit report because they do not show any active account or any attempt that I have even tried to apply for credit via my social security number, date of birth, first name last name, etc. 

I then called the credit reporting agency equifax who states that ikea need to tell them to remove it they just can't remove something. I explained to them what XXXX services said then the guy told me I have to file an FTC report so they can remove it from my credit report. 

I just want all of my credit reports updated to have this hard inquiry removed asap! ~