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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX 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: Mortgage

I am trying to save my home from Foreclosure, but Nationstar is still just giving me the run-a-round and I am requesting that the CFPB take a more active role in forcing Nationstar to treat me fairly. I have an FHA loan. My income was reduced due to a reduction of income even though Nationstar claims that they want to help me, that 's the exact opposite of what they do. First, I have submitted a request for mortgage assistance and all of the documents that have been requested. However, Nationstar continues to lose my documents and keeps asking me for the same documents over and over again. How can they lose them? I fax them, and I get a confirmation. I have them emailed, and we get a confirmation ... What can I do if they keep losing what I send them!? 2nd, I 'm told that XXXX XXXX at XXXX ext XXXX is my relationship manager, and single point of contact. However, When I call this number, she is never available and I have yet to receive a call back. Also, when I speak with someone else, I always get different information and most of them are rude. Third, I received court documents to attend a foreclosure hearing. It is my understanding that when Nationstar is working on helping my save my home, then they should stop all efforts to foreclose on my home! I feel that Nationstar is purposefully treating me unfairly. They received $ XXXX dollars from tax payers to bail them out, and they continue to just jerk homeowners around. As I research Nationstar online, I see that they have been fined a lot for misconduct on the way the treat homeowners. Please help me NOT become one of their statistics. I want to save my home. I 've researched the public information on FHA loans and I qualify for help. Please help me get treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Self Lender via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by Self Financial on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. Self Financial was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  I XXXX Balance : {$4900.00} XXXX XXXX  XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

I am grievance with Paypal, the California-based money transfer company. 

They seized my money - and I took the legal route by going to the XXXX XXXX XXXX to settle that dispute. 
But I discovered the disaster that Paypal claims in the user agreement between us - that it stipulates that any dispute be resolved through arbitration. It did not specify a specific arbitration center to be resorted to. Therefore, the arbitration center can not start looking into the dispute unless Paypal agreed to be the arbitration center. 
I wrote to the legal department with them repeatedly, but he did not even reply to my letters, so that he missed the opportunity to resort to the arbitration center. 
According to the photos sent, the executive section of Paypal asks me to write to the legal department, but the legal department for more than a month has not answered. 
Paypal didn't just take over my money. 
Rather, Paypal is committing a bigger crime, which is that it puts in place a usage agreement that prevents clients from gaining access to legal action against it. 

You should review Paypal 's usage agreement and oblige it to specify a specific arbitration center to which clients can resort to when there is a dispute with it, not that it depends on her approval, and of course it will not answer anyone. 

I want PayPal 's legal department to write to the XXXX XXXX XXXX to agree to arbitration between us.
Product: Debt collection

On XX/XX/year>, I submitted a complaint regarding a debt dispute with Genesis Credit Management ( Complaint ID : XXXX ). On XX/XX/year>, the Company responded that it is still working on my issue. Despite the ongoing investigation efforts, Genesis proceeded to report my illegitimate debt to all XXXX major credit reporting agencies ( i.e., XXXX, XXXX, and XXXX ) just XXXX days later on XX/XX/year>. This resulted in credit scores for myself and my partner decreasing by more than XXXX points. 

Previously, during a recorded call with XXXX at Genesis, he threatened me by saying that not paying the debt may lead to a lower credit score, which would restrain us from moving elsewhere for the near future. The Company has absolute disregard for fair debt collection practices and the rule of law and is now actively harming my physical and financial freedom and security.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}
Product: Mortgage

AmeriHome Mortgage company bought my mortgage from another company almost a year ago. In XXXX of this year I got a notice saying I owed {$990.00} in shortage. 
The shortage had to do with property insurance increase. I switched insurance companies that was {$620.00} a year less. 
Instead of my mortgage payment go down it went up to {$1300.00} The first insure reimbursed me {$1700.00} which I gave to AmeriHome Mortgage Co. to apply escrow. 
Now my mortgage payment went up from {$1500.00} to {$1700.00} in XX/XX/XXXX and will go up again starting XXXX to {$1700.00} a month. 
I was told because they paid the second insurance for the year also. 
The first insurance was paid on XX/XX/XXXX and cancelled on XX/XX/XXXX which equalled 5 months leaving 7 months for the new insurance to cover not XXXX mire months. 
The AmeriHome mortgage received {$1700.00} refund of what they paid the first ins. company. They want me to pay 2 months of escrow in advance by XX/XX/XXXX or my mortgage payment will be an additional payment of {$190.00} to my existing payment of {$1500.00} a month making it {$1700.00} in XX/XX/XXXX and in XX/XX/XXXX payment will increase again to {$1700.00} for 12 months unless I pay {$1300.00} by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously breaks the law. They have repeatedly violated my rights as a consumer. When speaking with their staff I can never get anything resolved. Their staff is rude and I've been hung up on twice. I've made multiple attempts to correct my report. I've spoken with countless people. I've been a victim of identity theft and may still be. In XXXX I found out that I had debt in my name from prior years dating back to XXXX. I was XXXX years old in XXXX. As a result, my credit has been affected. However, I've done my part to correct my reports. Yet, there are several accounts that do not belong on my credit. I have disputed and have not got the results and it's not fair. Not only have I been a target of an identity thief but Experian 's carelessness and negligence have made matters worst. Their negligence has adversely affected my creditworthiness and is causing me financial injury. Experian never insured the accuracy of these accounts and refuse to conduct a lawful investigation. My right to an accurate credit report has been violated. My right to privacy has been violated. These aren't the only violations. There are millions of people who are suffering from incorrect information being furnished to their reports. According to the XXXX XXXX XXXX, XXXX, and many other sources. I am one of the many. Please help me address this. Thanks for providing a place to share and hold these parties responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER THE LAST 4 MONTHS HAVE SENT EMAIL SENT FAX OVER TO EQUIFAX NO REPONSE BACK PLEASE FIX THESE I HAVE CREDIT AND SENT OVER TO YOU WITH DRIVERS LICENCSE AND SOCIAL SEC CARD PLUS 18 PAGES OF DOCUMNETS ITS ME HAVE CREDIT WITH XXXX  AND XXXX,,, IM IN THE MIDDLE OF BUYNG A HOME THIS IS STOPING ME TO GET IT IF THERE ANY FREEZE AND FRAUD PLEASE REMOVE THEM ASAP EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach or fraud. Additionally, I request verifiable proof, including my signature or electronic signature, to validate these actions. 

This letter is sent directly by me, not a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these actions breach Section 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from a data breach or fraud, and Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes for consumer reports.

I have reached out to the companies involved and confirmed that these actions were initiated without compliant validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and likely the result of a data breach or unauthorized reporting of my consumer information by creditors or third-party data furnishers.
Product: Consumer Loan

On XX/XX/XXXX I opened a car loan with Santander and it became delinquent around XX/XX/XXXX ... I requested for it to be repossessed in XX/XX/XXXX. Now Santander Consumer Usa the loan servicer keeps changing the date of 1st delinquency on my credit report every year and adjusting the deletion date. It should have been deleted XX/XX/XXXX. Everytime I request the info from Santander and credit bureaus they say it can not be verified and Santander wont give me any verification of the loan. Today, reported the first day of delinquency is XX/XX/XXXX, which is inaccurate. I need this to be verified and deleted. I have requested several times for this to be verified and corrected but to no avail. Santander Consumer USA has committed fraud against me by changing the dates on the documents everytime I disputed it with the credit bureaus and the amount due.
Product: Credit card or prepaid card

XXXX XXXX 2020 I tried to purchase flowers for my sister in XXXX ( I live in XXXX ). I failed to immediately notice the text message and email requesting verification of the purchase. When I responded Yes to the text message it was too late and the purchase did not go through. I called customer service and provided ID information requested and was told to try the purchase again. It failed again. I was then told my account was now restricted and I would need to take certain steps to clear the account. 

This required me to scan my driver 's license and upload it to a Capital One site. I did so. I was told it would be 7-10 business days to verify my ID. I called on XX/XX/XXXX to confirm all was well with the review and to find out how I would receive communication on the status of the review. At that time I was informed there was an issue with the quality of the scan of the barcode ( actually think it is an optical character ) on the back of the ID. If I would be willing to send the back of the ID again I could receive an expedited review. I did so and was informed that the quality was still lacking. 

At this time I requested information as to another means to clear up the matter or another point of contact to register a plea for support. I was provided with neither, other than getting a new license or providing a passport as alternate ID. My only passport is expired and a new license is not an option. 

On XX/XX/XXXX I called to inquire as to how I would receive formal notification of the status of the review. I was informed there would be not written notice of the review, but if I wanted to try XXXX more time to provide the image of the back of the ID they would try to scan it again. There was some thought I did not capture all of the ID on my second effort. Note that was not relayed to me on the call of XX/XX/XXXX. 

I provided a third image of the back of the ID, it was still lacking in quality for the reader. I offered to take the ID to a Capital One Bank branch so they could review it in person, but was told that was not an option. I again requested a means to register a formal request for help and some means to resolve this issue. When I was told their was no means for doing this other than speaking with a manager, I requested that opportunity. 

I spoke with a manager and was again told there was no way for me to resolve this without a new license ( again, not a reasonable request in the midst of a pandemic and MVA branches closed to all but essential services ) or a passport of which I have an expired one, but not current. She said she would register a complaint for me. I accepted the offer but told her honestly I expected nothing would come of it, as Capital One has not initiated any communication with me since this started. She further informed me the restriction does not prevent me from paying the balance on the card with my money, but the $ XXXX dollars in my reward account may not be applied to that balance. 

Please note at no time in establishing this account did I ever need to take these steps to prove my identity.
Product: Credit reporting or other personal consumer reports

A bankruptcy has shown upon the consumer report, XXXX, TransUnion XXXX XXXX currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO BANKRUPTCY COURTS REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to remove.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately. Experian has claimed that the information was verified yet the information needed to open an account was leaked through their data breach and they are literally reporting inaccurate info. I need my personal consumer report, my privacy protected and the violations to Stop! I have written and sent in all the document to support the deletions.
Product: Debt collection

I called Penncredit.com about a debt they are claiming that I owe. The two women that I spoke to were extremely rude and tried to interrogate me as if that was their job they are far from an attorney. And even with an attorney there is limits. They try to tell me that I did not need to file an dispute that I either was going to pay or I was and obviously I'm not going to pay something and that I do not owe. She would not accept the fact that I would dispute it so I asked to talk to her supervisor or that I would hang up on her and call back she transferred me to someone that was surprisingly even more rude than she was and yet this woman calls herself a supervisor. She also tried to give me the third degree which she crossed the line as they're only supposed to legally tell me that there is a debt and if I want to dispute it or pay for it. Not give me the third degree I told her that I dispute it she wanted to know why which is also not up to her to ask she is just there too process the paperwork I told her that I wanted paperwork to show that I actually I went and she told me that she wasn't going to send it that I only was supposed to pay it or not pay it The letter states that there is an option to ask for a dispute on there or to dispute the amount
Product: Debt collection

forced disconnect of phone/ip line from XXXX has been force collecting since, thru ch XXXX keep reselling the debt and re age the account. refuses to work with XXXX. XXXX refuses to take action and keeps dropping my claims for XXXX reasons.
Product: Credit reporting or other personal consumer reports

This XXXX account was on my report through XXXX XXXX for over XXXX years in which they were unable to provide me with verification and proof that this debt belonged to me after many attempts over XXXX  years. They have sold the debt which is not proof is mine to trans world XXXX which started reporting to XXXX XX/XX/23. Transworld had not attempted to contact me, did not send me any information in an attempt to verify this unlawful debt at anytime. This is not my debt, and they are outside the statute of limitations to report this to on my credit report and it needs to be removed immediately
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing 5 fraudulent accounts as well as 3 fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Act # XXXXXXXX XXXX act # XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions