23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally, protected consumer rights to privacy And confidentiality under 15 USC 1681 Account name # 1234 account name # 1234 account name # 1234 account name # 1234 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 c ( 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 and crimes, which antedates the report by seven years 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 cost to believe that the right Solution Delete these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Evbyen though I have called the company aaboout adverse report on the credit bureaus records for XXXX and they have the records that my account was paid in full ( {$780.00} ) by XXXX ending in XXXX in XX/XX/XXXX, they now are reporting I have an account balance of over {$4000.00}. This account was closed at the time of the payoff. By the way, the product and services were inferior which is why I ended the business relationship in XXXX. I spoke to a XXXX after being transferred by XXXX at XXXX.The account was handled by XXXX XXXX which no longer handles XXXX collections . The account went to claim also collections because I was hospitalized.I am also countering a XXXX XXXX Walmart Credit card account XXXX with a {$500.00} limit which was paid off and account closed in XX/XX/XXXX. through XXXX XXXX XXXX. The confirmation number is XXXX through employeee XXXX XXXX. 

Please correct adverse credit report info. I am enclosing copies of the XXXX XXXX documents. There are no charge offs on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Credit reporting or other personal consumer reports

on all 3 of my credit reports XXXX  should be listed as paid off which I did on XX/XX/2024 and XXXX XXXX they got listed
Product: Debt collection

XXXX XXXX XXXX. Of XXXX, XXXX, XXXX. Filed false petition lying and is trying to obtain Default Judgment. Knowing she is participating in a conspiracy, aiding and abetting. XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. DID NOT PROVIDE TITLE IN 30 DAYS VEHICLE COULD NOT BE REGISTERED AND THEY SOLD VEHICLE KNOWING PROBLEMS WITH TITLE in Bad Faith. Sold vehicle that was dangerous to drive and a defective vehicle. She will be held accountable. Bar license complaint will be filed and I want her license to practice law revoked permanently and damages to be paid that I am entitled to. What is done in deception will be brought to light. You will also be facing several lawsuits here shortly in regards to this matter. You are a monster.
Product: Debt collection

I had cell phone service with XXXX they sold to XXXX. I was not able to get service with XXXX and XXXX told me to go back to them. I did this for 3 months before I went to XXXX  because I needed service. I tried XXXX again in XXXX and still didnt have service in my area. They let me out of my agreement and I went to a provider that works in my area. I tried to do what they wanted but they refused me service. I owe nothing and this date of XXXX is incorrect. 
Service was XXXX XXXX and I believe part of XXXX. XXXX we were on cricket. They keep changing the date to keep reporting it.
Product: Mortgage

I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have late payments from XXXX  credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly
Product: Credit reporting

I checked my credit on XXXX XXXX around XXXX XXXX, 2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Discover is overstating my current balance by {$130.00} and they should give me a refund. Please contact me via email with any questions.
Product: Mortgage

My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my XXXX  and experian that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account
Product: Debt collection

I have reached to XXXX  which is the original creditor and informed them the account is not correct they told me I would have to reach out to the collection agency XXXX have listed their self on my credit report listing three different thing one shows paid off and closed, one show charged off and one shoe as a collection for {$180.00} I have been fighting to get this unacceptable item removed off my report and no one have responded to the calls or 4 letters I have sent XXXX and lvnv funding I would like for this to be removed from my report
Product: Vehicle loan or lease

XX/XX/18 i purchased a Used XXXX XXXX from XXXX XXXX for {$19000.00} with a total Finance amount of {$23000.00} with Arivo Acceptance. 11 months into the 72 month contact, i lost my job and my father at the same time. I could not afford this vehicle anymore. I called them and explained, they offered absolutely no solution. I stopped driving the vehicle and requested they pick it up. It sold in auction for {$12000.00} and i had paid them {$5200.00} in payments. The won a civil suit and garnished my check. Taking another {$4300.00} in a matter of a few paychecks. This pushed me to the brink of becoming homeless. I did what i could to get them to stop the garnishment by making an agreement. With COVID, i was unable to meet that agreement and now they have garnished my check again. This could cause me and my family to live on the street. I guess my question is ... .how can any company force  someone to pay {$32000.00} for a vehicle that had a principal balance of {$23000.00}?? I would be in my XXXX month of a 72 month contract as of today. They have no desire to work anything out fairly and i am a victim of contractual law. I have all the documentation and facts to support everything i have written. I take accountability but there were circumstances that caused this to happen. But the reality is, if the contract was still valid, I would have around {$1500.00} left to pay on the principal balance and not even halfway through the contractual term of 72 months!!! Instead, my paychecks are being garnished, crippling my family in a pandemic for an additional {$9000.00} dollars. This is wrong and if it is allowed, i will make it my life goal to make sure this story becomes public knowledge.
Product: Mortgage

I received a request for payment on a loan from Specialized Loan Servicing hereinafter referred to as " SLS '', in XXXX, my wife actually made a payment being concerned about damaging my credit. Upon further digging/investigating I could not find the origin of this loan and promptly reached out to customer service with SLS. In XX/XX/XXXX I received the attached two documents from SLS and at point closed the file. Fast forward to XXXX and I began to receive notices of default from SLS ; I have made several attempts for SLS to update their records to no avail ; now they are sending me notices that I have requested a loss mitigation assistance and that they're either " reviewing '' my request or please to resubmit my request ; neither which I have ever done or made request to have done.
Product: Debt collection

XXXX, XXXX Account # XXXX Original Balance : {$10000.00} Current Principal : {$10000.00} Interest Due : {$0.00} Total Due : {$10000.00} I get this message from ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX Said I been in Florida and I rent unit and I dont pay,, on XX/XX/2021, then ask me to pay now,, I never been in Florida and how come someone uses my identity and rent,? And how they let him rent without paying This fraudulent confused,,
Product: Vehicle loan or lease

I had a vehicle Repossessed in XX/XX/XXXX for non payment had a XXXX lost XXXX in XXXX XXXX and could no XXXX XXXX the lending institution was Carvant Financial the account was closed in XX/XX/XXXX Shortly after I contacted the lender to make an offer of Compromise last month on this loan late payments were added to my credit report for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I contacted XXXX and XXXX to dispute the new late payments after the account was closed this issue remains unresolved so far XXXX has the correct data Can you please help me resolve this issue
Product: Mortgage

I received a letter from Freedom Mortgage dated XX/XX/XXXX stating that my PMI has been canceled/terminated and that my monthly mortgage payment will be reduced. I waited until XXXX and my payment had still not decreased. So I called them on XX/XX/XXXX and they advise that they show it has been removed and to wait until my XXXX statement. Then I called back on XX/XX/XXXX because once again my statement still shows the same amount due even though my PMI has been removed. I called customer service and they stated that because the amount was under {$50.00} that I would have to wait until XX/XX/XXXX when my escrow is reaccessed to show the new payment amount but that was all he could see. I requested to speaker with the escrow department. I was then transferred twice and hung up on as well. Then I called back and was advised that the escrow department was now closed and I would have to call back yet again. All I want is for my payment to reflect that the PMI has been removed.
Product: Credit reporting or other personal consumer reports

This company is continuing to violate my consumer rights by reporting inaccurate information about a closed account. The company that is reporting on my credit sold me a lemon car under the lemon law they sent me a letter of cancellation of debt but still trying to report negative information to the credit bureause about the debt which is another violation. I have proof to show the cancellation of debt in the description below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not legally investigated this collection item. The last reported date is XX/XX/2019. I have requested an investigation numerous times as this account is not mine and continues to show up on my credit report. All of this violates the FCRA.
Product: Mortgage

Midland mortgage miss manage my payments from XX/XX/XXXX though XX/XX/XXXX and SAYING MY HOUSE IS VACANT, now they are threatening to foreclose on my home, If I do n't send them XXXX by XX/XX/XXXX. I do n't owe them payments I mail those payment out to midland mortgage, THEY received the checks, and the checks cleared. I even fax them the copies of the checks. They are stressing me out and I get the run arounds when I call. ALSO no one could tell me were the money is. SINCE those checks cleared. RETURN THE MONEY. I think something FRAUDULENT is going on with Midland Mortgage and they should compensate ME IN THIS MATTER. ALSO ANOTHER MATTER YOU SHOULD LOOK INTO XXXX XXXX reason why, I had a claim on my house back in XX/XX/XXXX they found asbestos, THE CLAIMS adjuster recommend that I go with a company THAT DOES THAT TYPE OF WORK FOR THEM ALL THE TIME IN THESE CASES. THE NAME OF THE COMPANY IS XXXX XXXX XXXX. THEY LEFT MY HOUSE A MESS, DUST AND PARTICLES EVERYWHERE, THEY LEFT PIECES OF XXXX TILE ON THE FLOOR AND IN THE AIR DUCTS THEY DID NOT CLEAN THE FLOOR ADHESIVE CALLED XXXX XXXX INSTEAD THEY COVER IT UP WITH SOME KIND OF PAINT EXPOSE ME AND MY FAMILY AND MY FURNITURE TO XXXX WHEN THEY SAID THEY WERE FINISHED, SO WE CONTACT THE STATE TO INSPECT OUR HOME, THE FINDINGS WERE CONCLUSIVE, POSITIVE, XXXX IN THE HOUSE.WE HAD TO GET ANOTHER CLEANING CREW. WE BLAME XXXX XXXX. COMPANY FOR RECOMMEND US A CONTRACTOR THAT WAS UNSUITABLE TO DO THIS PARTICULAR TYPE OF JOB, EXPOSING US TO XXXX. THE CONTRACTOR RECEIVED TWO VIOLATIONS. SO WHY DID XXXX CLAIM ADJUSTOR AND XXXX XXXX XXXX CONTACTED MY MORTGAGE COMPANY TO RECEIVED A PAYMENT FOR A JOB THAT WAS N'T COMPLETE, BOTCHED UP, AND INCOMPETENTLY DONE, AND IN DANGER ME MY SON, MY FIANCE AND HIS SON WHICH PUT OUR LIFE IN DANGER BY INHALING PARTICLES OF XXXX IN OUR XXXX ALSO I RECEIVED A LETTER FROM MIDLAND MORTGAGE SAYING THAT XXXX ISSUED A CHECK IN MY NAME IN THE AMOUNT OF XXXX AND THAT MIDLAND WAS NOT TO BE INCLUDED AS A PAYEE WHICH I HAD NO KNOWLEDGE OF THIS CHECK I AM VERY CONCERN THAT THIS IS FRAUDULENT AND THAT I AM BEING SCAMED.CAN YOU PLEASE DIRECT ME TO THE RIGHT ATTORNEY, I NEED HELP
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have mortgage through XXXX. I was served foreclose papers and I called them hoping to resolve the issue. I can not refinance my credit is poor due to divorce. Their real estate support team put ne on on program. They said fee was {$1600.00} I paid {$2000.00} THE balance to go to mortgage pmt of XXXX in XXXX of 2015 I pai in XXXX XXXX in XXXX they are calling me telling me I am 3 months behind tried to explain but it 's just a call center and no one knows anything. I simply want this cleared up. My health is suffering
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent a small amount of crypto currency from the Coinbase exchange to my personal wallet. After a successful send, I then submitted a " Send '' request for the remaining balance but it was blocked by Coinbase for " Security Reasons ''. They said it would take an additional 6-7 days to complete the review after verifying my identity and jumping through hoops. Yesterday, they notified me that my account has now been further restricted. Now, " Buy '' and " Selling functions have been disabled. They also told me they will hold my crypto hostage until XXXX, for my protection, of course. This is STEALING, when someone takes your property without your permission. Please help!
Product: Mortgage

Carrington Mortgage kept sending me advertisements to access equity in my home- I don't want to access equity in my home nor will I be selling my property to the investors behind XXXX. I checked my payment history and it is all over the place. They reversed payments, then reapplied payments. I purchased my home using my VA loan back in 2018 and the balance is way higher than it was when I had a loan with XXXX - something is not right. 

XXXX  : XXXX XXXX XXXX XXXX and all it's affiliates are to cease and desist with their XXXX XXXX campaign under XXXX XXXX XXXX and stop targeting my property and attacking my finances. I am a Veteran and what has been done over the years is illegal, immoral and unconstitutional.
Product: Credit reporting, credit repair services, 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.

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 instructons 15 U.S.C 1681c. ( 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 by more than seven vears.

15 U.S.C. 1681s-2 ( AX1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Hello Im am XXXX XXXX SLS continues to harass me with incorrect and illegal information on my credit reports. I have called multiple times asking them to report correctly. I have filed multiple times with credit bureau XXXX to correct this they continue this complaint has already been repaired. SLS mortgage company puts late marks on my account ever month. They remove previous months at the end of month and add it to the next month even before due and in forbearance. They purposely dont report my payments to continue to bring my credit down. This is all after I turned them in for slow responses trying to reaffirm my loan. Now they have closed the account. 
I have no late payments on any of my accounts before and after my bankruptcy. 
Please help me correct this so I can refinance in XXXX to get away from this company. My payments are setup for the XXXX of each month due to being XXXX and only paid once a month. They were unwilling to me be my due date a few days. I have include statements with SLS payment when they pull the money. 

SLS mortgage company Account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Finance is reporting the same loan twice on my credit report. I have reported this to the credit bureau however Chase keeps verifying both accounts as valid. I have only had one Chase Auto finance loan but reporting the same loan twice with slightly different account numbers is not helping my credit. XXXX has listed one account # as XXXX and the other as account # XXXX. Chase Auto Finance needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked XXXX to reinvestigate.