23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In  XXXX  of   XXXX   we found out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made 2 payments to  XXXX  at this time.  XXXX  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the major  Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /  XXXX   making  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't askin g for anything other than help with Credit Reporting Companies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experience had my date of birth as XXXX I was born in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed I had unauthorized fraudulent inquiries. I sent letters to XXXX and TransUnion with a FTC report attached but they did not remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my Experian report. Yes these inquiries were made by me. However, the first one was supposed to fall off XX/XX/XXXX and still remains. Also the other two is due to fall of XX/XX/XXXX and XX/XX/XXXX.

1 ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX  ) XXXX 3 ) XXXXXX/XX/XXXXXX/XX/XXXX-Removal date Credit Card - Finance Company XXXX XXXX XXXX  XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Checking or savings account

I have not been receiving important deposits into my account. Firstly my ex husband pays me child support every week with XXXX XXXX partnered with Suntrust and many other banks ), and I never had to do anything to receive the money. For the past XXXX weeks XXXX has texted me saying that my ex sent me payments and to receive them. They are not showing up on XXXX and I havent received any payments for XXXX weeks. Also the IRS sent my tax refund XX/XX/XXXX and it as supposed to deposit by the XXXX. I called suntrust the XXXX and they apparently dont even see the deposit. I think suntrust is intercepting these important deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I applied for a Lowes credit card through Synchrony Bank. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.
Product: Credit reporting or other personal consumer reports

Company was suppose to deleted they report off my credit report and never was removed, I sent in dispute letter and asking them to remove from credit report and after I settled the payment in the company and had proof of receipt they still garnished my paycheck after full payment was received, that caused me pain and suffering and a total hit to my credit report. So they was taking money out of my paycheck after they got paid they remaining balance. I sent dispute letter to equifax over a 60 days ago and never received of status of this account that was reporting inaccurately and wrong.
Product: Debt collection

CBA of GA sent me a letter about a debt that was not mine. It was for utility services at a previous address more than a year after I had moved and purchased my current home. I sent them a dispute letter and documentation. They sent the same bill back. I called them and was told " We don't care if it's you or not it's going on your credit. '' I contacted the utility directly and provided the documentation that proved it was not my service. The utility company zero 'd the account. Not only did CBA of GA not provide the information requested and validate the date, but then they also put on my credit report across all three organizations that I had an installment account with them and owe {$0.00}. I have never had an installment account with them and obviously never owed them anything. They have refused to remove or talk to me about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

XXXX called out of the blue and threatened to sue me for " attempt to defraud '', have me arrested, and have my driver 's license suspended if I did n't give them {$200.00} for a 9-year-old invalid debt immediately. As you can image, I was scared & complied. 

After researching the company ( they do n't even have a permanent address ), I realized I 'd been defrauded. 

XXXX
Product: Student loan

I previously filed a complaint last year to explain the harassment my mother and I were receiving from a Navient. I never received the email with their reply. I did n't know they had replied till I finally logged into the site and saw that the case had closed. I do n't have many hours in the day to take care of things like this. Also, at the time in which the reply occurred I had to switch offices increasing my commute by XXXX minutes each way. I do n't know why, but gmail did not determine that the email was important, so I must have just missed it. I actually thought I was going to receive a call, not an email. 

My mother is still getting calls from Navient from multiple numbers with many different area codes, which she tries to block but they keep popping up like a hydra. They are still emailing both of us. They threatened to go to legal if we did not make on time payments for three months. They said at that point they would take the black mark off our credit reports, now they 've changed their terms stating that they wo n't show us as current till I agree to a payment plan which, unbeknowst is now XXXX dollars a month higher for the life of the loan to pay off the meager XXXX or so I was considered behind on. It was my mother that agreed to the XXXX payments over the phone in desperation because she 's afraid they wo n't get a mortgage now that they are trying to sell their home. Her panic caused me to panic and we 've almost made the third payment. This month they called my mother and changed the terms ... as far as I understand it. I never agreed to any of this, but I gave my mother money pay for what she thought was going to help us. I 'm XXXX myself with overtime to pay this. I ca n't keep doing this and my circumstances have changed. They refuse to take a financial statement from me. I was told in a very snide way that this was my last chance. They are demanding far more than I can afford. The rep was dismissive about my financial situation and refused to listen to me at all. In fact, I have n't spoken to one rep there that did n't over inflate how much money I supposedly had leftover to give them, and now I 'm in a new apartment with much higher expenses. I do n't know what to do.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was approved on a vehicle from XXXX and I wanted to call to finish my verification. I got to question # XXXX and the young lady stated what was my previous address? I was stumped because I never put any down at anytime for my life! So it threw me off and I admit the lady just was doing her job but since I couldnt provide XXXX my chances on financing a vehicle could not happen for another 6 months now and I just thought that XXXX XXXX because of mistakes in the systems and wanted to see if this could help me out in anyway possible.
Product: Credit card or prepaid card

I have American Express XXXX XXXX XXXX credit card and American Express XXXX XXXX   Surpass credit card. I got an promotion offer from American Express on both of the cards to add authorized cardmembers to my account and earn points. The offer details are : XXXX  card : earn XXXX bonus XXXX for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. XXXX card : earn XXXX bonus XXXX XXXX points for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. 

I added 4 additional card members to both of my XXXX and XXXX card back in XX/XX/2017, and all of them completed the spending requirements. But till now, I only got XXXX bonus XXXX, and XXXX bonus XXXX points. I should be getting XXXX more Starpoints and XXXX more XXXX XXXX points from this promotion offer. 

I have called American Express multiple times ( 10+ times ) and every time the customer service told me that I should get those bonus points in 2 weeks, in 6 weeks, or a supervisor will call me to resolve the issue. But it's been 6 months now, and I still haven't got the bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing TransUnion for a couple years now. I've been disputing the same information with no real results. TransUnion has completed many of my disputes and returned most of the information as verified. I no longer have access to the older dispute as per a block on TransUnion, but I have the emails containing confirmation numbers of the previous disputes. The biggest issues is reporting charge-off for accounts completely paid through insurance companies on-time and reporting late payments when I submit disputes for those accounts. I contact every creditor on my credit file myself to complete my own investigation of these " verified '' accounts. When I attempt to verify with these creditor and collections company, they request I give them sensitive information like DOB, social and address, information these companies should already have on file since TransUnion verified, but this information should also be attached to the name and account number available via my credit report. A majority of the companies listed on file as well as collections company can not verify the information with the account numbers listed on my file, which I should be able to under the FRCA and FDCA. Additionally, collections accounts have been reaged and/or resold with no indication of that on my credit as well. Some accounts either do not have account numbers or the account numbers are inaccurate when used to contact collectors. I also request information from medical companies listed on my credit report and requested verification of the account. These collectors had access to Medical History and documentation without a signature and date authorizing any release of any files. This is a violation of my rights under HIPAA. These collectors should not have any information on my medical history. TransUnion, therefore, is sharing unauthorized information with unauthorized third parties. Collections account have been reaged to this year, even though they've been disputed and each time it's disputed the open date changes. Some accounts do not have the full payment history from the time of opening the account until it was closed. TransUnion has also readd debt, with no letter within 5 days. Additionally, those accounts were disputed and deleted with reason ( inaccuracies and lack of verification ). Due to the lack of integrity in TransUnion investigation methods, my credit has continued to take a hit each month on account that are inaccurate. TransUnion has also blocked me from seeing my dispute results and seeing my credit file directly with them. When I request to see my credit, I get sent to a 3rd party page. Additionally, I have requested original signed contract with many of these credits and each has sent statements. None has been able to send verification of contracts with these creditors. TransUnion is not doing a proper independent investigation of these disputes. Any information provided by third- party databases is not an independent investigation with Transunion and the original creditor or collectors with the appropriate verification of debt.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not recognize this debt because I have never had XXXX service, I have explained this to XXXX  when I saw it on my report and they said they could do nothing I had to pay it even though I told them i have no knowledge of the debt. They sold the debt to Jefferson capital systems # XXXX service in 2023 and I have explained the same thing to them that this is not my debt I have never had this service and they are still reporting negatively on my credit report ( this debt is now XXXX yrs old ) which is affect my live in a bad way can I please have help with this matter thank you
Product: Mortgage

-- SPS ignores and creates artificial errors on fully completed loss mitigations applications in order to circumvent Dual Tracking laws that prevent foreclosure process while a complete loss mitigation application is under review. Attached correspondence from SPS stating that loss mitigation documents have missing signatures or have incomplete pages while copy of loss mitigation application and supporting documentations ( also attached ) show no missing signatures and all pages complete ( no missing portions of pages ). Violation to CA CC 2923. 
-- Attached letter from SPS confirms SPS received complete loan application on XX/XX/XXXX but failed to process the documents provided evidenced by SPS reference to documents being received on XX/XX/XXXX while the mailing confirmed SPS received on XX/XX/XXXX. SPS not properly processing documentation submitted by Borrower resulting in SPS denial of complete loss mitigation application due to negligence and unfair business practices. Violation to CA BPC 17200.
Product: Vehicle loan or lease

The company states I failed to pay my XXXX payment. I sent the proof of payment to them on XXXX. Payment cleared my bank on XXXX. Company picked up the car on XXXX. I called to request info and was told I would be given a call back. No one called me back. When I called on XXXX I was told I could not retreive the vehicle. I was told I could get my belongings and given a number to call and make an appointment. Meridian Buyers Group XXXX TN, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit services are reporting different account histories. TransUnion is reporting from XX/XX/XXXX to current, while XXXX is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. XXXX  is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while TransUnion is less days late. XXXX said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.
Product: Debt collection

I had a car loan with XXXX  my car was totaled my insurance paid debt then the finance company sold car and never put that money towards loan then charged it off claimed that charge off to the government got credit for it and sold the loan in which has reported wrong amount owed as has falsely reported this debt on my report as a new debt I am not in contract with Jefferson Capital nor have I ever signed an agreement to them that makes me obligated to pay any amounts of money this goes against my fair credit it rights any I would like it removed immediately from all my credit reports.
Product: Debt collection

I did not receive any mail from the company and as of XXXX still have not received any mail of summons for garnishment. I had to request documents from my employer on XXXX to find out who was garnishing me. I did not comply to any terms given nor have I been to court to comply with anything.