23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I have had problems with my current lender for over a year now and have reported these issues to your agency multiple times. 
My lender, XXXX is completely unethical and uncooperative. 
We are in the final stages of refinancing our home with a new lender but are unable to close due to Citadels refusal to communicate the right information with the new mortgage company. 
This is our second attempt at refinancing our house. The first one also didn't close due to the exact same issues. 
Moreover, Citadel has the audacity to not credit our monthly mortgage payments and hold the funds in a suspense account, and not report our payments as current to the credit agencies. 
I have called and emailed their representative multiple times but have not heard back. 
We are in dire need of help. 
Please be so kind and look into these practices. 
Thank you very much. 
With best wishes, XXXX XXXX
Product: Debt collection

I have received several bills from professional claims bureau with no explanation of what they are about. I have asked for an itemized bill several times to no avail.
Product: Debt collection

I have Contacted the the following Companies only to be lied to, they play Hot Potato with the alleged Debt ( XXXX XXXX XXXX a division of XXXX XXXX, XXXX ( XXXX ), Ocwen Financial Corporation? ( Ocwen Loan Servicing, LLC ) and Now PHH Mortgage services ( hereinafter " PHH MS '' ) They change phone numbers and account numbers even property addresses now as the following Reply in exhibit was supplied by PHH Mortgage to the CFPB .When I contacted the following Number ( XXXX ) XXXX ext XXXX a person claiming to be XXXX XXXX XXXX answered I asked in what country he was in, He said XXXX .Now why is my personal identification, social security, address allowed to leave the United States of America ? I have no business with any Foreign companies so why is my Identity allowed to be Stolen and used in another Country? 
They said I had a Loan with a property address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX, when I contacted XXXX XXXX XXXX he said he would look into it and submit a complaint so it could be investigated he would get back to me in 10 Days. 
That was over two months ago after repeated calls and messages still No Answer.
Product: Credit reporting or other personal consumer reports

I am unable to obtain my consumer report from credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

On my job for employment is wrong. The company they have for my current employment I haven't work there in 13 yrs. Iam currently employed by XXXX XXXX where I've been since XX/XX/2008.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX about a Care Credit account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid Synchrony about {$60.00} on this account this month. Synchrony never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. Synchrony has all this negative information reflected on my credit reports. I need this resolved right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Product: Credit reporting or other personal consumer reports

The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over 4 months and this account remains. Please see the attached response from the company and please proceed with sending the credit adjustment to the credit bureaus to remove the late payments for account XXXX XXXX
Product: Credit reporting 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 this account 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX US DEPT ED, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX US DEPT ED, Account # XXXX US DEPT OF EDXXXX XXXX Account # XXXX US DEPT OF EDXXXX XXXX Account # XXXX DPT EDXXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX XXXX Account XXXX XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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, credit repair services, or other personal consumer reports

In XXXX of 2021 someone filed a fraudulant claim with Ohio Unemployment. There was also two charges on my checking account to The XXXX XXXX XXXX. I have already resolved that issue with my bank. I retrieved my credit report and there were a few soft inquiries in XXXX that I did not request. One was Progrexion and another one was XXXX in XXXX, Ohio.
Product: Debt collection

Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with NTL RECOVERY AGENCY XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are reporting an inaccurate account in the amount of {$890.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XX/XX/scrub> 2025, and in XXXX of 2025. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX, Experian and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Stellarfinance Inc has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This serves as a follow-up to my recent complaint. I have also enclosed my recently filed FTC report # XXXX. Once again, I seek your assistance in removing these fraudulent items : -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit?
Product: Debt collection

I checked my credit report and this Capital One credit loan is on it, which I have no knowledge of.
Product: Debt collection

I contacted XXXX about an unauthorized account on my report. I asked for it to be deleted and they assured me the account is mine without any investigation or proof of contract the original agreement. No action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XX/XX/2023 XXXX Bank XX/XX/2023
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 confidentially under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  KY ) Account # XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX  Account # : XXXX Account Name XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Throughout the life of the loan they have been either applied all of my payments or a majority of the payments to interest and not the principal therefore creating an excessive interest amount collection for the life of the loan and not what the contracts states I would be charged
Product: Credit reporting or other personal consumer reports

Experience has failed to Fulfill as legal obligations Under fair credit reporting act ( FCRA ) To conduct a reinvestigation Oh disputed information On my credit report Leaving inaccurate or unverifiable Accounts unresolved. The Customer financial protection bureau Has recently filed a lawsuit against experience Alleging systematic issues Such as failing to forward customer Private evidence to Furniture is accepting unreliable Responses And failing to adequately notify Customers of disputed responses. These failures align with my experience Work experience has neither corrected nor removed The disputed items despite the evidence I have provided Causing ongoing harm to microwave standing. I'm requesting immediate corrective action to remove XXXX disputed accounts As experience in action violates federal law And my right to ask a customer.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

Please see attached. 

Hello, My name is XXXX XXXX. I want to dispute some inquiries on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account : XXXX 15 USC 1592 C states that if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease further communication with the consumer with respect to such debt. Furthermore, I am indigent.

For validation purposes, I am requesting a copy of the original contract bearing my signature, payment history from the original creditor, the name and the address of the original creditor, and proof that National Credit Systems has been assigned or owns this debt. 
There has never been a transaction between this creditor and I. There has also never been a financial transaction between me and the apartment complex. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account : XXXX For validation purposes, I am requesting a copy of the original contract bearing my signature, a payment history from the original creditor, the name and the address of the original creditor, and proof that XXXX XXXX XXXX has been assigned or owns this debt. 

XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Account : This fee is written as a charge-off on my credit report. That means that the creditor wrote this fee off on their taxes a profit loss. For validation purposes, I request the 1099c I did not receive from XXXX XXXX. Also, I am requesting a copy of the original contract bearing my signature, payment history from the original creditor, the name and the address of the original creditor, and proof that XXXX XXXX has been assigned or owns this debt.
Product: Debt collection

identity theft that has occurred under my name On XX/XX/year>, I was contacted by Procollect Inc who informed me that a lease agreement had been signed for an apartment located in Louisiana with a past due balance of {$1300.00}. I was shocked to learn that this lease had been opened in my name without my knowledge or consent. 
I have never authorized, applied for, or signed any lease for this property, and it is clear that my personal information was used fraudulently. Upon discovering this, I immediately contacted Procollect to dispute the lease, explaining that my identity had been stolen. Additionally, I reached out to the credit bureaus to place a fraud alert on my credit file and began the process of addressing the impact on my credit score.

As a direct result of this unauthorized lease, my credit score has dropped by XXXX points. This situation has caused significant emotional distress, financial strain, and a substantial loss of time and effort on my part.I am requesting your immediate assistance in resolving this matter. It is imperative that the fraudulent lease be removed from my record, and that my credit score be restored to reflect the true, accurate information. 

I look forward to your prompt response and action on this matter.
Product: Credit reporting or other personal consumer reports

Early warning systems is reporting an account that is not mine with BXXXX XXXX XXXX XXXX XXXX, similar account number but I do not bank with that organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I received a XXXX for XXXX on a purchase money 2nd a HELOC. The loan was originally originated with Washington Mutual. Chase improperly foreclosed on the loan and was sued by state and and federal law enforcement officials. It was a class action lawsuit from the XXXX XXXX settlement fund. Chase plead guilty and settled and I received compensation. See attached documents that validate. 
I should have NOT received this XXXX form. I need Chase to retract this form and send me documentation to show that they removed or are in the process of correcting with IRS.This is causing me financial harm as a taxable event.