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

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Vehicle loan or lease

Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Product: Debt collection

I recently pulled my reports and noticed accounts that I do not recognize. I disputed the account with XXXX. XXXX provided a statement from creditor claiming information is being reported correctly. However, it not. This account is showing opened in XX/XX/year> with it first becoming delinquent on XXXX of 2023. I have asked that it be deleted per FCRA as one it is not mine and two it is grossly incorrect. The company has provided false information to the bureau when asked to verify it.
Product: Credit reporting or other personal consumer reports

I know I only get a short summary.. XXXX XXXX XXXX XXXX had 3 loans of mine ; a debt consolidation personal loan, and refinanced auto loan, and a new auto loan. Times got tough, so I talked to them about this while I was still employed there. I was instructed in person, and via email ( written proof ) to not pay my personal loan and focus on the autos. Well, when I stopped paying my personal bill they put a lien on one of the autos I was going to sell and would have paid the loan off and then some. That was never disclosed to me, or even hinted at. The second auto loan was a voluntary repo, which I also have written proof of, before it was charged off. Not to mention, they kept reporting my account late for THREE YEARS before selling it to a debt collection agency and when I confronted them about this, they said " Our collection department has been really busy that's why it took so long '' ; its a tiny credit union, and no one is too busy to not sell it off for three years. They keep on disputing my disputes, and the credit agencies agree with them although all my personal documentation from them states otherwise. This will end in litigation if it does not get resolved, as this has effected my credit immensely. They incorrectly reported statuses, late dates, and waited three years to sell for a reason that's not true. I'd like proof of them being so overloaded it took them three years to sell it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit account shows incorrect information listed. This ACCOUNT is PAID in full. please REMOVE this account from my CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

I have disputed Fraud alert with XXXX, XXXX XXXX and Equifax on XX/XX/year> nothing was done the problem still exists and no proof have been given of this investigation. 
XXXXdept of ED showing late payment that incorrect. 
XXXX XXXX Fraudulent XXXX XXXX Fraudulent XXXX  XXXX  XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX Fraudulent XXXX, Equifax and XXXX XXXX has fail to fulfill its legal obligation under the fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reports, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. A late payment was reported to both my XXXX and Experian  credit files for the month of 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 a account without my written instructions 15 U.S.C 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: Debt collection

This is the second experience I am submitting a complaint about regarding this law firm. On XXXX XXXX, XXXX, my wife was home alone with our XXXX little kids and a man came to the door. Based on the appearance of the man, my wife did not answer the door. The man stood outside of the door for XXXX minutes yelling trying to get her to answer the door. Finally it appeared that the man left, so my wife went and got into our car with our kids only to find that the man was waiting at the end of our road. He followed my wife for XXXX miles to our bank. As my wife was in the drive thru at the bank the man jumped out of his truck and approached the vehicle. My wife pulled away and he ran back to his truck and followed her to our other bank and while she was in the drive thru at this bank he got out of his truck and approached the vehicle again. I was on the phone with her right before this and she was crying and very upset. I told her to hang up with me and call the police. 

Before she could pull away he jumped in front of our car to block her, she was on the phone with XXXX at this point and as he walked up to her window she showed him that she was on the phone with the police. He then lifted up the windshield wiper and stuck the documents on the windshield. All of this is on the banks surveillance cameras. 

I mention the surveillance cameras because the last complaint I submitted about this law firm was quickly dismissed. In the words of the owner of the company that delivered the documents last time after an escalated conversation with him, he said, " If you do n't have it on camera, there 's no proof we did anything wrong. '' This law firm response for my last complaint was completely false as they stated that all applicable laws were followed. If my wife and I are experiencing this type of harassment, I can guarantee that others in Utah are also experiencing this treatment.
Product: Credit card or prepaid card

This is related to a previous complaint request to Discover. Particularly in regards to my account XXXX. I appreciate the thorough response from Discover and want to point out an important issue for me, as a customer, and for others that may have this issue. When I enrolled in the payment program offered on the mobile site on XX/XX/25, the offer resembled an official payment plan. Theres no indication this could be anything else. The amount is generated by Discover to give payment options. I took the {$200.00}. I assumed the numbers were to keep the account from falling further delinquent. As you can see, the explanation from Discover is that {$210.00} would have been what was needed to keep from being reported as delinquent. Theres not one human being I could name that would allow their account that they are struggling to keep afloat fall into a delinquency over three dollars. I feel this was extremely misleading to me as a customer.
Product: Money transfer, virtual currency, or money service

I am writing to formally apologize express my concerns regarding zelles handling of disputes particularly in light of a recent incident CFPB lawsuit highlighting significant issues with the platform.
Product: Mortgage

I have an XXXX  XXXX with Loandepot. This consisted of the purchase cost of the property as well as a renovation budget. This renovation budget is being held in escrow by Loandepot with payments being drawn following the completion of work. Any remaining balance from the renovation budget would be applied to the principal due on the loan. 
However, the building burnt down leading to a total loss. This is outside the scope of the prior renovation budget in escrow. 
The problem is these funds are still with Loandepot and they require I keep making interest payments on the full balance including escrowed funds, pending their investigations. These investigations have no set timeline. I do not find this a fair deal as there is over XXXX XXXX XXXX dollars in escrow which if applied to my principal payment would offset my total interest payments on the mortgage. 
So far, discussions with Loandepot have not yielded anything.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to get credit. I understand that you will research these articles for me to ensure accuracy. Here is the article I ask you to verify as accurate : Experian : XXXX XXXX Equifax : XXXX XXXX TransUnion : XXXX XXXX
Product: Debt collection

XXXX XXXX sold debt that was part of identity theft to Velocity Investments. 

Velocity is still trying to collect debt Velocity is suing me right now. Please advise Velocity served my old neighbor and came to her home 3 times to serve me. This is harrasment. She told them XXXX XXXX doesn't live here they still left papers at her door step. She sent the papers back to law firm the next day They did not even have correct address
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau didnt provide the documents supporting accounts with XXXX, XXXX, XXXX, and XXXX. Also didnt provide documents of late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Also didnt provide proof accounts belong to me also.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XX/XX/XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XX/XX/XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XX/XX/XXXX say I have good credit. What the XXXX 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 XX/XX/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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

In XXXX, I sold my home in a short sale. The XXXX mortgage was through XXXX XXXX XXXX. The house sold, and XXXX released the lien. However, Nationstar picked up the XXXX mortgage shortly after the house sold. They came after me in XXXX, and at that point I spent a great deal of time collecting paperwork and sending them information showing the debt had been cancelled through the short sale. I received a letter from Nationstar in XXXX of XXXX saying that the lien was released prior to the transfer date and that the account was updated and closed. ( They also wrote that they would not report to the credit bureaus. ) I thought we were finished. However, in XXXX, I started to receive certified mail from Nationstar asking for the debt. When I redirected them to their own letter, they stopped sending me mail. However, now I am doing a refinance to save interest on my new house, and my lender cant help me until Nationstar sends me a letter of deletion. Ive been trying to get them to give me a letter of deletion for a month. I get the run around every time I call them, and talk to a new person every time who has no knowledge of my loan. They have lost XXXX of my faxes and XXXX email. They have kept me waiting on hold for 30 minutes at times, only to have the call dropped or to reroute me to where I began. They have never been able to give me a manager or a supervisor. They are always NOT at their desk or on another line. (??? ) I have spent hours ( and I truly mean hours ) of my time trying to talk to someone who can solve my problem, only to end up where I began. To say Im stressed about this is an understatement. Now my husbands car is damaged, and I need to buy a new one, but with my credit damaged by almost XXXX points, I cant try to get a car loan until this is resolved. Please help me. From what I can see online, I am one of many hundreds who have been treated this way. I have spent money on faxes that were never received. I have spent HOURS of my time waiting on hold, scanning, faxing, and emailing them. I am now a XXXX car family because I dont want to get a loan for a new car until my credit goes back up ( and Nationstar is what has damaged my credit ... when they went away in XXXX, my credit was good and we bought our current house. Now I cant even refinance my house until the derogatory information is removed from my credit. ( This is costing me approximately XXXX a month in higher interest fees and higher PMI fees. ) I am also incredibly stressed out and am taking time off work since I am a teacher and cant sit on hold during my business day. Please help me.
Product: Mortgage

SPS is in violation of CFBP rules, CA HBOR and RESPA guidelines. 

At issue is a short sale request that was submitted on XX/XX/18 and SPS refused to open the short sale request stating they need a package 60 days prior to a sale date. This is in direct violation of RESPA CFR Part 1024 ( Regulation X ) which clearly state lenders must review for any loss mitigation offers if the file is received within 37 days, excerpt below ; ( c ) Evaluation of loss mitigation applications - ( 1 ) Complete loss mitigation application. Except as provided in paragraph ( c ) ( 4 ) ( ii ) of this section, if a servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : ( i ) Evaluate the borrower for all loss mitigation options available to the borrower ; CA HBOR requires lenders and servers to help homeowners avoid foreclosure. By illegally demanding docs 60 days prior to a sale date when CA residents don't get 60 days notice of a sale date and it's a violation of RESPA guidelines then SPS is breaking CA HBOR laws.
Product: Credit reporting or other personal consumer reports

XXXX has failed to provide written proof that I was the one who opened these accounts below ; XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXXXXXX XXXX XXXX XXXX I continue to hear the same response - According to our research, these accounts are valid. That tells me nothing - where is the written proof I requested? Anyone can call and report something- where is your proof, my signature? They have failed to submit this to me!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with NetCredit ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading.

Details of the dispute are as follows : 1. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness.

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, XXXX, XXXX, and NetCredit take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Mortgage

This is my 5th complaint about Bank of America and my Home Equity. I have been dealing with BOA since XX/XX/XXXX because I was XXXX dollars behind in payments. I have been working with XXXX XXXX for months now. Ms. XXXX sent me a letter on XX/XX/XXXX saying to continue making the payment of {$380.00} ( I have enclosed this letter ). I simply can not continue to make two escrow  payments. I am reaching out to you for the 5th time because I am afraid BOA wants to take my home or continue to charge me outrageous fees. 

On XX/XX/XXXX. I received yet another XXXX shipment from BOA saying my modification had been approved ( I am enclosing these documents ) as well and my payment would be {$130.00}. 
Also, none of the payments I made has been applied to my account. I am against closing out this complaint. I don't trust BOA. This account is over 10 years old and my balance is more than my original loan amount.

This is a reference.

( This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. " I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Product: Consumer Loan

I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work.