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

The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.
Product: Credit reporting or other personal consumer reports

I received my credit report in XX/XX/year> from XXXX, XXXX and Equifax and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to XXXX, XXXX or Equifax to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain a copy of my free credit report online from Equifax and XXXX in XXXX 2017. I was instructed by the two companies to complete a form and the credit file would be released. I followed the instruction and both companies have n't honored my request. 

Equifax wants to charge me {$11.00} to get a free annual credit report. XXXX stated they were n't able to honor my request because I did n't provide sufficient identification information to verify my identity or the information provided was n't legible. I disagreed with XXXX. I provided the information ( electric bill ) that was request. 

It would be greatly appreciated if you could assist me with obtaining a free credit report form both companies.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, and XXXX of 2019. 

I never gave XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wil
lful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/2023 I have tried to contact them numerous of times and no response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a fraudulent vehicle purchase and loan agreement associated with my name and personal information. On XX/XX/XXXX, a XXXX XXXX XXXX was reportedly purchased at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX under my name and with financing provided by Credit Acceptance Corporation. However, I did not sign for this loan nor was I present at the time of the transaction. 

To clarify, I did not authorize the purchase or loan and did not physically sign any documentation for the vehicle. I have never been to the dealership, nor have I interacted with the seller, XXXX XXXX, at any point in time. Upon contacting XXXX XXXX regarding this issue, I was given the run-around and directed to speak with the owner, who has failed to provide a resolution. As a result, I have also contacted Credit Acceptance Corporation, submitted an identity theft report, and requested an investigation, but was informed that there was nothing they could do to resolve the matter. 

This situation clearly constitutes identity theft and fraud, as someone else used my personal information without my consent to procure the vehicle and loan. The actions of the dealership and any individuals involved in this fraudulent transaction are unlawful and a violation of my rights under both federal and state law.

I request that you immediately investigate this matter and take the following actions : 1. Provide a full investigation into this fraudulent loan and the circumstances surrounding the vehicle purchase.

2. Cancel the loan associated with the fraudulent transaction and remove any associated negative credit reporting resulting from this matter.

3. Provide written confirmation that no further action will be taken regarding the loan under my name, and that my credit report will be cleared of any fraudulent accounts.

4. Initiate legal action if necessary against the individuals responsible for this identity theft and fraud, including the dealership and any employees or agents who facilitated the transaction.

This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws governing identity theft and fraud. Under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), the use of someone elses personal information without consent is a federal offense. I am entitled to dispute this fraudulent transaction and request that any associated debts be nullified as I have not authorized them in any way.

I kindly request that you treat this matter with urgency and provide me with an update on the status of your investigation at your earliest convenience. Please confirm in writing that this fraudulent loan will be removed from my records.

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Mortgage

I am utilizing Pulte Mortgage to purchase a new house in XXXX, NC and I am providing 20 % down for the loan. I am a XXXX employee that works for a company that does not have a dedicated office within the city that I reside. Pulte Mortgage has requested proof of employment and a copy of my pay stub so that my 'income ' can be utilized as part of qualification for the mortgage. Through my company 's HR department, I have provided to Pulte Mortgage a means to verify my employment and income ( which also includes copies of my pay stubs with my North Carolina address ). Pulte Mortgage has stated that since I am a XXXX employee, in a city where there is no dedicated company office, that they also require a letter from my company, on company letter head that indicates that I have been given permission to work XXXX in North Carolina. My HR department has indicated that this does not follow their standard employment and income verification process and as such can not be provided. I have requested from Pulte Mortgage a copy where this letter of XXXX employment would be a requirement for consideration of my 'income ' within the mortgage/loan process. Pulte Mortgage denied this request and indicated they are following XXXX guidelines ( even though this is not a XXXX loan ) and that they are using a Third Party for the loan. I would like documentation from Pulte Mortgage as to why the information that my employer provides to verify employment and income would not meet the Pulte Mortgage loan requirements to utilize my 'income ' as part of the mortgage/loan process. I would also like documentation from Pulte Mortgage as to why a letter on my employers letter head is required to prove I have been given permission to work XXXX, in a city with no dedicated office so that my 'income ' can be considered in the mortgage/loan process. Lastly, I could not find any documentation on line where XXXX specifically requests a letter for XXXX ' employees from their employers stating that they have been given permission to work XXXX in a state where there is no dedicated office. If this is a XXXX requirement, I 'd like to have a copy of this documentation and I 'd also like to understand how Pulte Mortgage can request this if I am not utilizing XXXX for the loan.
Product: Mortgage

Synovus Bank Mortgage I have a 30 yr fixed mortgage. I have an escrow that pays only for property tax. My issue is the escrow account transparency and audit request. Last year my mortgage payment was {$2100.00}. Beginning of the year it is {$3600.00}. Past month was {$3200.00}. Now this upcoming is {$3700.00}. My principal is {$650.00}. Interest is {$1200.00} and my property tax this year ( $ XXXX = $ XXXX ). So my monthly payment should be {$2300.00}. But its not. My property tax year 2021 was {$7000.00}. My escrow account to date paid is {$15000.00}. They even request a {$1500.00} underage payment to my escrow that I paid. I have communicated to the lead for Synovus mortgage over past two weeks and no resolution. I have tried emailing the CEO XXXX XXXX today for response. Please help me resolve the escrow mess. Thank you. 

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

A thief broke into my house & stole a lot of my personal information. I have now been seeing a lot of request to open accounts in my name that I have not requested & had no knowledge. This information is not factual but Fraud. Please delete this information.
Product: Credit card

In XX/XX/XXXX I made three promotional purchases using my BestBuy store card issued by CitiBank. The promotions had zero interest for 12 months if the promotional balances were paid by the expiration of the promotion ( XX/XX/XXXX ). Since that time I have made regular, non-promotional purchases that are subject to interest charges. In an effort to pay down my promotional balances before the 12 month expiration, I made extra payments exceeding the minimum payment due on the monthly statement. The order in which Citi applies extra payments is at Citi 's discretion, a term which is buried deep within the terms and conditions of the card and not prominently disclosed. The cardholder must call Citi every month to ask that extra payments be applied towards promotional balances. with wait times to talk to a representative often exceeding 30 minutes. This misleading practice is a way for Citi to entice cardholders to make promotional purchases that will never be paid prior to expiration of the promotional period if the cardholder carries a non-promotional balance. This is a deceptive and misleading practice that is harmful to cardholders who believe they are getting a good deal with no interest for a set period.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some accounts showing on my credit report I have attached supporting documents delete account immediately
Product: Checking or savings account

I filed a chapter XXXX bankruptcy a stay was put in place Chase was informed of the BK and stated they did n't do anything special for BK and did n't have a department. They are still took all of my check for fees and over drafts and still continue to collected from those fees I tried to dispute the charges and they told me I was to late but I had been reaching out trying to get this care for and no one could help I went in the branch and everyone was clueless and I am out of XXXX in fees and charges that they would n't allow me to dipute I had be calling they would allow me to close the account becaue it was overdrawn I have 2 accounts with them my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX . 
XXXX, AZ XXXX
Product: Debt collection

dismissed bankruptsy too many errors causing major problems delete off my account XXXX  has deleted
Product: Mortgage

My complaint is against Flagstar Mortgage. Their address is XXXX XXXX XXXX, XXXX Arizona. XXXX. 

My house burned down on XX/XX/XXXX. All of my insurance proceeds were given to Flagstar.

At the time of the fire, I owed less that {$350000.00} on my house. The insurance proceeds were more than that, I don't remember the exact amount. I signed a PROPOSAL with a contractor and sent them the information they requested, including the contractor 's licensing information, etc. This proposal was not a firm contract. An amount of {$120000.00} ( rounded off figure ) was sent to the contractor in XX/XX/XXXX. At that time, the contractor had not even set foot on my property. No work was ever done by this contractor. To make a long story short, the contractor filed bankruptcy, did not complete any of the houses he started, and charged me {$24000.00} for " overhead expenses '' when a final contract had never been signed. I sent a letter of termination to this contractor in XX/XX/XXXX.

I signed a new contractor with a different contractor in XX/XX/XXXX. Despite the fact that this contractor gave me specific amounts of money due at various times, Flagstar will not give them money that they are owed. I have given my contractor approximately {$300000.00} of my own money to keep them up-to-date on my contracted payment schedule. My contractor has done well over the amount of work that the mortgage company holds, yet they will not release funds that my contractor is due. The value of my property alone is worth well over what they ever held, as it is prime real estate on 6+acres.

In addition to this, Flagstar has never paid me any interest on the money they are holding in my investment account. I would think that I should be due interest, as well as interest on the money that they erroneously sent to my original contractor, who did nothing. I do not have a specified person to communicate with through Flagstar. They have a " bank '' of people manning the phones, and almost every time I try to speak to them about anything, I spend over an hour trying to get an answer. I have documented these calls, and I would estimate that over the course of the 2-1/2 years, I have spent over 100 hours on the phone trying to get answers to my questions. Their system is definitely flawed. I have written them letters and received no response.
What I would like is for the money that is due to my contractor to be released. I have been without a house for over two years, and I want this house to be finished. I have never missed a payment, and now I am paying for the house that is yet to. be completed as well as rent. I really need to get this house finished, and I feel that Flagstar is delaying that from happening. I also think that they should be responsible for the amount that I did not get back from the original contractor. By the way, the original contractor NEVER asked them for that money. Flagstar sent it to them without even being asked. This is another factor that I have tried to discuss with Flagstar to no avail.
Product: Credit card

I have noticed the fraud transactions on my account and I called them. They just issued me new card and didnt take any action for this fraud transaction or didnt even refund it. And after that they havent warn me or announced me for interest and member fees they charged. Since my account balance was high because of fraud usage I cant effort to pay them back all of this thats why I called them and requested them to close account. They just closed my account on last month XX/XX/year> and now they send me the statement with new balance which including {$190.00} transactions which I didnt use. Today ( XX/XX/year>, XXXX ) I called them they just only keep transferring me for XXXX and XXXX. I requested them to take interpretar they didn't even provide me. Then I requested them to speak slow since I can not understand everything what they said. But they are not helping me that. I felt really discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001
Product: Mortgage

I am submitting this complaint in response to Shellpoint Mortgage Servicings reply to my original complaint ( CFPB # XXXX ), which I believe was inaccurate and incomplete. Shellpoint failed to provide regular mortgage statements or communication for over a decade, preventing me from addressing the loan. They now demand a {$36000.00} down payment while I am in an active XXXX XXXX XXXXankruptcy, which is inappropriate and legally questionable. I was never given a fair opportunity to resolve this loan, which could have been paid off had I been properly notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX monitoring revealed that US Bank had opened an account for us. We have no relationship with US Bank, and XXXX told us to call them. When we did we were brushed aside as needing to call their fraud department. The representative, supposedly a " banker '', refused to take our information and phone number and have someone contact us. 

When we called a local phone # for US Bank in XXXX VA, we were told by a XXXX XXXX there to " XXXX for fraud contact information for US Bank '', that she evidently would not lift a finger to help. 

I will attach a file of the notification from XXXX, below.
Product: Debt collection

Iam not reliable for this debt with GENESIS CREDIT MANAGEMENT company I do not have a CONTRACT with XXXX XXXX XXXX company.They did not provide me with original CONTRACT as I requested I demand this correction on my credit report this account be removed from my credit report from XXXX and XXXX accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to kick off XX/XX/2024, spoke with that XXXX ask them if they can remove the account because you're reporting that the account is open in the account is not open and she said that they couldn't do to certain laws and rules and regulations was up to them to report the accuracy and I told her that is not accurate, and your study reporting You just reported XX/XX/2024 on this account Are you reporting on a closed account and not to mention that you can't get in touch with these people You can only get in touch with them through email The phone number is not correct You can't speak to a lot person and the address sends mail back