23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXXXXXX XXXX locked out the HomeOwner since XX/XX/XXXX ; The house wrongful Forclosure on XX/XX/XXXX ; XXXXXXXX XXXX   failed to provide Owership of the Note, Perfected Note Holder in Due Court of XXXX XXXX XXXX ; the Mortgage and the Note should be together in order to have standing to forclose. It is impossible to provide the Note and the Mortgage together because the Note had been converted permanently to a stock then sold in the New York Stock Exchange that create {$1.00} XXXX is Year XXXX ; So, XXXXXXXX XXXX could not forclose the XXXX XXXX house, therefore XXXX XXXX XXXX XXXX XXXX XXXX Tresspassing the XXXX XXXX house on XX/XX/XXXX ; and not the XXXX XXXX XXXX XXXX dumping the XXXX XXXX house on the street, there was citation # XXXX XXXX XXXX in the amount of XXXX to be paid and storage fee to be paid to XXXX XXXX XXXXXXXX in the amount of {$3700.00} upto XX/XX/XXXX which is tomorrow. 
XXXX XXXX also demand XXXX XXXX XXXX XXXX XXXX XXXX to surrender the house key by tomorrow ; in order XXXX XXXX could make the Damage Report to the Court of the house and personal belonging. XXXX XXXX paid the utilities bill until now, XXXX XXXX supposed to stay inside the house instead of stay outside the house. XXXX XXXX  torturing the XXXX XXXX XXXX since XX/XX/XXXX which almost 2 years living deadly ont he street like animal in the zoo. Thank you. XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 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: Mortgage

I opened I HELOC with US Bank in XXXX, CA, on XX/XX/XXXX. The account has an annual fee of {$90.00}, which according to the contract, is waived the first year and charged beginning on the first anniversary ( XX/XX/XXXX ) and each year thereafter. I closed the account on XX/XX/XXXX and I asked that the {$90.00} annual fee that was charged on XX/XX/XXXX ( 15 days earlier ), be refunded in full or at a prorated amount. I was told by XXXX at the XXXX XXXX branch of US Bank that the {$90.00} fee charged on XX/XX/XXXX was for the prior year ( XXXX ), the fee charged in XXXX was for XXXX, and the fee charged in XXXX was for XXXX. He told me the XXXX fee was not for the ensuing year, and therefore, he could not refund or waive that amount. This logic does not comport with the contract, which clearly states that the {$90.00} fee is waived ( not charged, omitted, etc. ) for the first year. I believe I am entitled to a full or prorated refund of {$90.00} since this fee applies to a period ( XX/XX/XXXX / XXXX ) during which I do not have a HELOC with US Bank.
Product: Debt collection

Sent mutliple letters and faxes to company as means for debt verification and have not been given a response back from them.     Company however is attempting to sue me.
Product: Debt collection

I paid the outstanding balance owed under AR Resources and would like the item to be removed from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments Ive attached the copy of my report to this complaint on the following dates ( XX/XX/24 ) Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
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 XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There was a date breach on Equifax exposed all my personal information to the public and my identity was used to make fraudulent transactions and it could be used for other purposes that I do not give permission to.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased my vehicle from Hyundai Motor Finance at the end of the lease. At the time of the sale I was living in Massachusetts. The sale price that I paid was {$11000.00} + {$1000.00} sales tax. When I finally received the title 3 years later in XXXX I had just moved to XXXX, Texas. Hyundai Motor Finance sent the original title signed over to me, not a new title in my name. 

In XXXX, I flew back to Massachusetts to transfer the title into my name. The Massachusetts XXXX stated that they had no record of the sales tax paid to them by Hyundai Motor Finance. I requested evidence of the sales tax payment from Hyundai Motor Finance in XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX ( four times ). On all occasions, I was told the evidence would be sent, but have not received anything. 

I am unable to transfer the title into my name and therefore have been unable to sell or trade in my car for several years. Hyundai Motor Finance negligence and misconduct has cost me thousands of dollars in travel to XXXX  from Texas as well as maintenance on my car that I can not sell or trade in.
Product: Credit reporting or other personal consumer reports

I Co-signed for My brother a XXXXXXXX XXXX XXXX in XXXX thru XXXX XXXX XXXX. In XXXX he got in trouble with the car and the car was impounded by police. The car was on police hold and could not be retrieved by myself. From XXXX until this very month XXXX  Has been reporting to the credit bureaus a late payment every single month. I contacted them on multiple occasions to ask why are they doing this and they stated that they dont sell there accounts to debt XXXX. In XXXX the car was sold to a new owner. If the car was sold XXXX  should not be reporting it as a late payment to my credit report. This completely violate my rights. The vechicle has since been sold twice. Under no circumstances should the account be reported as late payment every month.
Product: Mortgage

Rocket Mortgage XXXX is billing me {$180.00} for a lapse in insurance coverage that wouldve never happened if the Rocket Mortgage employee would have sent an email to insurance companys correct Email address. The employee did not follow up to see if the insurance company employee received the email ; however, If she would have, she would have learned that she had misspelled a name in the email address and the insurance company employee never received the email which resulted in the premium not being paid and a lapse in coverage. Ive spoke to a couple of employees with Rocket Mortgage who are unwilling to accept responsibility claiming that they did follow up with a phone call but the insurance companys phone system was out of order. The insurance company claims that their phone system has never been out of order. Once I was notified that my premium had not been paid, I am mediately got insurance. I believe that rocket mortgage should waive the {$180.00} for failure to communicate with the insurance company and myself prior to the policy lapsing. If Rocket Mortgage would have communicated this information in a timely manner, my policy would have never lapsed. Rocket mortgage claims that the insurance company should have had the proper information as to who the mortgage company was and they are responsible for the lapse in coverage. Either way, rocket mortgage is still trying to charge me for this epic failure.
Product: Mortgage

On XX/XX/XXXX I sent a check to SLS to pay down my line of credit. I sent it over night. It was for {$240000.00}. SLS received it on XX/XX/XXXX at noon. I called Tuesday XX/XX/XXXX XXXX to see why it was not posted. The rep for SLS said they received and sent it back. XXXX asked why? she said her supervisor said I sent it to the address for payoffs. I said on the back of the mortgage statement it says all payments mail and gives a po box . Right under it, it says overnight payments mailed and gives an address. It does not say anything about payoffs. No one from SLS called me, they just sent it back. I asked to speak to a supervisor and she said one would call within XXXX hours. no one called. I called today and they said someone would call me by Friday the XXXX. I am now going to pay them off. This is not how customers need to be treated. I think they should back my payment to Friday XX/XX/XXXX when received. I would be happy to send you a copy of my statement. I guess they make up the rules has they go along. I in good faith paid to send it overnight because I did not want it to get lost in the mail. Now I don't know where that large check is.
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have 10 fraudulent addresses I wont removed XXXX XXXX Bank - XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX 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

Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or removed.
Product: Credit reporting or other personal consumer reports

Equifax wont let creditors pull my credit report. I sent in documents to verify my identity and also I didnt put a freeze or fraud alert on my report.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First and for most, I verify that it is me disputing the information my credit report. The CFPB provides a service so that the private companies do not abuse consumers. I have a right to dispute through this portal to Experian and I have provided my credentials for proof of identity. 

I disputed some accounts on my experian report on XX/XX/2020. The letter is attached. I have yet to receive a response and it has been over 90 days. Please remove these accounts from my report as the investigation took longer than the time allotted by the FCRA. If you are claiming that accounts are verified. According to section 609 of the FCRA, you have to provide proof of that. Which you also failed to do.
Product: Credit reporting or other personal consumer reports

I obtained a credit card through XXXX XXXX back in XXXX of 2015. Subsequently after the XXXX layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ( {$850.00} ). Well for the past year and a half I have been battling with XXXX XXXX to correct my credit file. They reported a XXXX balance to XXXX credit agencies but left the {$850.00} balance on XXXX XXXX. After going around and around with different departments ( credit card, collections and branch offices ) It is still on my credit file as a derogatory balance of {$850.00}. I got in touch with an employee in their credit card collections dept which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory {$850.00} balance at XXXX XXXX which is incorrect as they did send the correct XXXX balance to XXXX and Equifax. Well I contacted them again and was able to speak with a Branch Mgr/XXXX  who actually responded to my emails/calls but unfortunately whatever was submitted from XXXX  XXXX ended up just placing the derogatory description back onto my credit file which dropped my score XXXX points. Then a month later I got an alert that XXXX  XXXX added the derogatory {$850.00} balance to Equifax. I now have XXXX bureaus reporting this and my score dropped another XXXX points for a total of XXXX points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the XXXX  and CFPB. I have my acct number and I monitor my credit through XXXX different vendors that can support this happened. Please help me rectify this situation.
Product: Credit reporting

Issue Incorrect information on credit " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

My consumer report is showing that my Navy Federal checking account contains inaccurate information due to fraud. I want a correction from the bank institution.
Product: Debt collection

I recently ran my credit and come to find that Barclays Bank is claiming that I owe a sum of {$620.00} to an account that is not mine. They are claiming I had used their credit card, made 3 payments and then let the account go into collections. Barclays Bank is claiming I opened this account XX/XX/2019. I have tried to reach Barclays several times, through different numbers found on their website with no luck of being able to talk to an actual person about this matter. This issue can be due to identity theft, mistaken identity, or fraud on Barclays behalf. I have tried to reach out to Barclays to see what bank account these " payments '' were given from, but again, it has been difficult to reach anyone at the bank. I have a perfect history of paying off my accounts, and can show proof of this if needed. I have absolutely no knowledge this account existed and have received absolutely no paper work, letters, e-mails, or phone calls regarding this supposed account. I have disputed on XXXX  concerning this matter, their findings of my dispute has been verified as accurate, which is considered to be completely false.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with XXXX XXXX XXXX.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX Date Opened XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

4 hard inquiries From XXXX XXXXXX/XX/XXXX 3 the last year : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I want to remove all.
Product: Credit card or prepaid card

Previous complaint submitted through your agency. ID # XXXX. 

Well 's Fargo credited a total of {$110.00} to my account on XX/XX/XXXX, but charged me {$71.00} for not paying the balance on my statement ( for XXXX ) I did not pay additional charges as these were the charges for late fees and interest that did NOT belong on the account. 

I spoke with representative XXXX, at Wells Fargo, this morning who says that the charge can not be reversed. To add insult to injury, if I were to pay the {$71.00} " other charge '' amount on the statement today, they would still add a {$40.00} late fee to my next statement for not including this amount in with my XXXX payment. I went over this with XXXX, via a telephone call that just ended minutes ago. She told me that if I logged in and paid this amount today, my next statement would be {$500.00}. ( My normal monthly payment of {$460.00} plus a {$40.00} late charge on a charge that wasn't supposed to be there in the first place ) What kind of interest or extortion is this with Wells Fargo? The late charges and interest were the error of Wells Fargo and now I am supposed to pay yet another ridiculous fee because the statement was already sent out? 

I want these charges removed from my account as this is fraudelent on their part. I had my windows replaced and have paid faithfully and on time every month. It is not right that they are charging me a fee on something that was their error.
Product: Credit card

I have a Barclays XXXX Extra points VISA card. When I purchase items, I accumulate points that can be redeemed for NFL merchandise. On XXXX/XXXX/15, I used their system to request a redemption for an XXXX XXXX NFL replica jersey. It told me that they would ship it to me in 3-5 business days. On XX/XX/XXXX, I tried ( in vain ) to contact them by phone at the customer service number. Their site showed the item as " located in inventory '' yet it was not shipped to me. I was passed from department to department, although nobody claimed to be able to help me with the issue. I finally emailed them asking what the delay was. Customer service emailed me back saying that they were looking into it and would get back to me via email with an update. I received additional emails from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that they were still " looking into it. '' On XX/XX/XXXX, they sent me an email advising me that they were cancelling my order and returning my points with no explanation or consideration on their part. I have since received XXXX more emails saying that they apologize and are forwarding my issue to a supervisor. I 'm not sure how to take this. What good is getting my points back if they ca n't fulfill orders on their end? I am totally frustrated that I ca n't speak to anyone at customer service, that their site still shows the item as " located in stock, '' that my item was never shipped, and that they have taken ZERO steps to make the situation right.