23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote John Gibson Auto, to let them know I recently noticed late payments on my account that I did not approve, also let them know I went over my contract and never opted in to anything to be reported. 15 USC 1681 stats a consumer reporting agency can not furnish an account without my written permission. 15 USC 1681 a # 2 consumer reports SHOULD NOT INCLUDE transactions or experiences between consumer and person making the report. Most importantly reporting an account as late that I never even receive statements for, because that would be mail fraud and they know all debts are an obligation of the UNITED STATES per HJR 192 of 1933. My car was paid in full when I signed my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX XXXX DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX TX XXXX  ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report that has been open for almost 4 years by XXXX XXXX for {$360.00}. I believe my identity may have been used to open this account and I have no knowledge of this account but it seems impossible to remove from my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Mortgage

My loan with this financial institution was paid in full on XX/XX/XXXX. I received an escrow refund, but they withheld an additional {$95.00}. When I contacted the financial institution, the representative had me on hold for 20 minutes to find answers, but no one was available. She received my contact information and promised that someone would return my call to address this matter and it never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has XXXX flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also Yes Online keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.
Product: Debt collection

I had a student loan back in 2002, was finally paid off XXXX and now I get a statement from XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called The Steve Peroutka Law Group , P.A XXXX Their infomation is- The Steve Peroutka Law Group , P.A XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX PhoneXXXXI thank you in advance for any help you can lend to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im on hold as we speak, after speaking to equifax several times regarding my disputes Due to Covid, I could not pay original credit company and I ask equifax to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Product: Credit card or prepaid card

This card is like the other. It was set up without my consent. My wife even made payments without knowing. 

CAPITAL ONE, N.A. #  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  , UT  XXXX 
  XXXX   XXXX  
Date Opened  XXXX   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ;   XXXX   from   XXXX   to   XXXX  
Credit Limit: Credit limit of  XXXX  from   XXXX   to  XX/XX/XXXX ;   XXXX   from   XXXX   to  XX/XX/XXXX 
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX    XXXX    XX/XX/XXXX   XX/XX/XXXX  1
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 120 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who m it may conc ern Good day i have a ongoing situation from  XXXX  of  2017  going on with Experian they refuse to delete collections off my report they keep returning as factual when i dispute them that is not fair to a person who is going thru identity theft i sent letter to them on  XXXX   XXXX ,  2017  as Certified mail and copy of my police report and i just keep getting the same response i also send letters to the collection companys and no reply how do you all verify this debt and i havent recieve no validation, this is preventing me to establish credit. And had to place a security freeze and fraud alert on my Credit Report The collections are :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   ( They are   XXXX   )  XXXX    XXXX   XXXX   Hard Inquirie is on there that i did not give no permission to run my report company name  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I requested Experian to remove unverified accounts listed on my credit report. They stated in writing that my accounts was listed as " verified '' accounts. The following accounts were " reported correctly '' I would like to know where are the documents that Experian used to verify these accounts? What is the name of the individual, their business address, and telephone number. However, Experian sent me a letter dated,  XXXX   XXXX ,  2017 , starting that they refuse to reinvestigate. Please have them remove all unverified accounts, or sent proof of validation.
Product: Mortgage

A company called Gregory Funding based in XXXX XXXX and XXXX, OR assumed the servicing of our loan XX/XX/2020. Ever since, we have been disputing their accuracy in our statements. For the past 20 months, I can document and verify 20 payments, yet they continue to claim we are behind on payments ( in default ) and claim we owe more than we should and have threatened us with foreclosure. Their own records, obtained from their website, shows they have not posted 3 payments, even though I have the cancelled checks and bank records to document those payments. We applied for a refinance loan with another institution and we were conditionally approved at a lower rate, saving us thousands of dollars. All of my credit reports from 8 credit reporting agencies list me as good to excellent, above 750. Gregory Funding took it among themselves to give the institution a " poor mortgage rating '' which cost us the refinance. We were denied the chance to refinance based on Gregory Funding 's false reporting us as poor " mortgage rating. '' We have voluminous documents sent to Gregory regarding their continual false accounting. I believe my last correspondence will explain it in more detail which will be sent as an attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 
1.XXXX XXXX  XX/XX/2020 2.XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, I called Equifax and faxed a dispute on my credit report letting them know that XXXX Master Card erroneously charged off a balance for which they refused to provide statements or communicate with me regarding the account balance and my obligation as a joint account holder on their Master Card. There is no reference in Equifax 's reply back to me that demonstrates XXXX master card provided written statements or letters noting my monthly balances. They proceeded to charge off the card without notifying me of my obligation or giving me any opportunity to make good or negotiate with them on any outstanding balance. I wrote them repeatedly that they are required to provide me with statements as an account holder, and they ignored my request. When I could not get statements after numerous months of paying in the dark, I just assumed the account was being recognized by XXXX as paid in full, so I sent a final payment and noted " paid in full '' on my check for safe measure. That check was cashed. I took this to be an agreement as a result. Though they had at this time hit my report with a " charge off '' without due process, I also had to pay taxes to make matters worse as they issued a 1099. 

I submitted to Equifax in my 2018 dispute a copy of the 1099 XXXX Master Card sent, along with my repeated letters requesting written statements and status of the account, and a copy of the cashed check that indicated " paid in full ''. 

As a result, I demand this be removed from my credit report today and not penalize me any longer for what has been customarily a seven year timeframe on " charge offs ''. This should not apply to me. Keeping this on my credit report has caused unfair hardship on me. Equifax as a result should remove this from my record for good this time.
Product: Debt collection

Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. 
Thanks you.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Mortgage

My House Primary Residence : XXXX XXXX XXXX XXXX, XXXX, MD XXXX PennyMac misinformed me that I can not re-instate my home mortgage or make payment on my past due account, # XXXX, despite Maryland law that provides me with the right to reinstate my loan by making past due payments at least one day prior to the foreclosure sale. I spoke with XXXX XXXX on XXXX XXXX, 2016. I asked for re- instatement of my loan, I was told that this was not an option because my account was in " foreclosure '' proceeding. Despite my willing and ability to bring my loan current, as a permanent loss mitigation option, and all my attempts to gain information to bring my account current, PennyMac has refused to assist, instead, I 've given the round around. Notices of foreclosure have not been given to me, instead I 've received letters to 'tenants '' from PennyMac. I learned on Friday, that PennyMac, has been sending personal and confidential correspondence to an incorrect address. I have told PennyMac that the address of the property is my primary residence. I have not received notices regarding foreclosure, and have been denied a legal right to reinstate my loan. Please help, all I 'm trying to do is bring my loan current!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection that was removed and my credit score should have gone up but it dropped by 50 pts instead. I have and excellent payment history and it should have increased significantly. I believe that Transuinion is purposely keeping my credit score down to keep me from obtaining credit that I should have access to
Product: Mortgage

After I filed initial complaint # XXXX on XX/XX/XXXX against XXXX XXXX XXXX XXXX company restricted my online access as well as that of the co-borrower, so we could not make payments. 

The company ( via XXXX who said he is a XXXX XXXX XXXXXXXX ) called me on XX/XX/XXXX and left a voicemail. I returned the call this morning ( XX/XX/XXXX ) and was on hold waiting for someone to answer for app. XXXX minutes. I later received a call from XXXX XXXX on XX/XX/XXXX ) to discuss the initial complaint, he advised he would be sending over information, which has not been received. I mentioned to XXXX that I and the co-borrower were unable to make a payment via our online accounts and he informed me that our access had been blocked by the company ; once I filed a complaint. I asked if this was company policy when someone files a complaint and he said he really didn't know. He placed me on hold and returned to the call and advised it was company policy. I asked him to send me a copy of the policy for my records and he then changed his statement and advised there was no policy to send. I informed him that this felt retaliatory in nature and that I would be filing a new complaint for the retaliation. XXXX then got very angry and said he would be disconnecting the call and said if I didn't want to make my mortgage payment over the phone he would just hang up. At this point my only option for making the mortgage payment was to do it over the phone as my entire account access was blocked. XXXX processed the payment ( or advised me that he did ) and then said if I wanted online access, I would have to register a brand new account. I no longer have online access and neither does the co-borrower on the loan. This company provides horrible customer service and retaliates against customers who file complaints with governing bodies- that seems like a huge XXXX XXXX issue that the CFPB should be investigating. Customers should be able to file complaints without fear of retaliation or fear of loss of access to their accounts, especially when it could mean the difference between making a mortgage payment and not being able to make a payment. This is gross conduct by Village Capital.
Product: Mortgage

My FHA loan through Wells Fargo has a mortgage insurance payment each month. I have lived in this house for almost nine years and requested to know the date that the mortgage insurance will end. About a month ago, I received a notice from the accessor that my home value has increased to $ XXXX. The value of the home has increased each year I have lived here since 2012. The original loan was for $ XXXX. I now owe a little over $ XXXX. I have called a few times to ask which loan-to-value ratio are they using - the bank 's value or XXXX XXXX accessor 's value. The only answer they will give me is that they can not discuss my account over the phone and will send me a letter explaining what I need to know. One agent told me she thought it was based on the original loan amount not the actual value of the house. Tonight 's phone call, the agent said that I may be able to escalate the issue to someone who will discuss it with me. But for now my escrow statement will include the PMI until I meet the removal requirements. That I needed to wait until after the next letter is sent then I could possibly get the new escrow report if necessary. Why can't they tell me the month and year the insurance will end? And why hasn't it ended already since I've paid more than the 8year requirement and the value of the house was high enough a few years ago? I feel like I'm getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted several breaches, including the Equifax data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.
Product: Debt collection

Company shares debt information to our bank for properties in which the bank had no interest, in effort to defame and or attack our character. We had attempted to set up payment agreement, with tax office which did not or was unwilling to make arrangements. We had paid XXXX on our debts. The bank was given personal debt and business debt information that was not related to them in any shape or form. 
The letter that was received by the bank also had a cc remark as to deceive the bank into thinking we received a copy of their letter, which was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX