23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, I initiated a rental agreement with the Homeowner to utilize the backyard for a community garden project in the XXXX of XXXX. XXXX, I began renting the home from the Homeowner on a month to month basis with the common interest of making needed repairs on the property. XXXX XXXX, I was contact by the Homeowner that the property was in foreclosure which was owned by XXXX Bank at the time. In early XXXX, the property was auctioned off to XXXX XXXX. In late XXXX, I attempted to purchase the home from XXXX XXXX and was denied a mortgage. In XXXX, my son, XXXX XXXX who is a veteran, attempted to purchase the home along with his wife and he was told that he did not have sufficient income and he was not approved. He had sufficient income and sound credit when he applied. Eviction proceedings were initiated at that time. Late XXXX, I gave a check in eviction court to XXXX XXXX for the amount of {$80000.00} certified funds and I was told in court that the price was {$390000.00} and that my offer would not be granted. After that court hearing, I had the property appraised showing that the property was only valued at {$70000.00}. My offer was for {$80000.00}, {$10000.00} more than what the property was appraised at the time. The property was then listed on HUBZU.com for {$85000.00}. I have submitted offers to at minimum XXXX auctions on line, I have remained the highest bidder in the last several auctions and my offer has yet to be accepted. At this point, the lender seeks to evict me and my family from the property. I live in the home with my XXXX year old mother who is a recent XXXX and I have made every effort to remain in place and satisfy the debt of the lender who refuses to work with me on any resolution. 
There has been significant confusion of who OWNS the property and who can accept or reject my offers to keep the home. The property located directly north of the home was sold for {$71000.00} which further demonstrates that this property is not worth the requested {$390000.00} of the lender. 
The appraisal of the property cost {$300.00} to verify that all information stated is true and verified.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX  XXXX  ) ( XXXX )
Product: Credit reporting

I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 67 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX CREDIT CARD Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : # # # # # # XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent investigation from Experian and XXXX to remove inaccurate account is showing again the same issue of reporting information hurting my credit score with information from the same furnisher. 
I have the letter from Experian and XXXX that clearly show the inaccurate information and this account must be deleted from my credit reporr. 
The Experian own investigation show the same issue over and over. 
I will attach the document sent to me by Experian dated XX/XX/2018. And copy of data from the XXXX web page. previously I contacted Experian and XXXX with ceritfied mail and notarized letter but simply ignore my request and verify their own mistake. 
XXXX XXXX bank account appear as charge off with a monthly balance, inaccuate high balance, inaccurate open date, .. Same furnisher and not accurate information from Experian Vs XXXX.
Product: Checking or savings account

Capital One has illegal, in effect seized my assets ( over XXXX worth ) and barred me from accessing my money in three different accounts ; primary 360 checking, ( {$1000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : Primary 360 Money Market ( {$40000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : 1 Year CD ( {$10000.00} as of XX/XX/2019, under account Number XXXX ) I have hired an attorney to sue this entity for fraud, illegal seizure of assets, and contacted the FDIC to file a complaint for the same as above.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XX/XX/XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXX/XX/XXXXXXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00}XX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$100.00} XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as described : 15 U.S.C. 1681 section 602A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( a ) : 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 The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I, the consumer of the report Transunion is improperly reporting on, contacted the company for a second time. I informed them that their investigation results were invalid and inaccurate. I informed Transunion, I never gave them authority to acquire or furnish any of my non public financial information. In a letter dated XX/XX/XXXX sent certified ( USPS Certification # XXXX XXXX XXXX XXXX XXXX ) I requested that my consumer report be updated and consist of accurate information. My initial dispute, dated XX/XX/XXXX sent certified ( USPS Certification # XXXX XXXX XXXX XXXX XXXX ), was returned as verified, which I did not ask for verification, however, since they claimed this to be verified, as per the CFPB, and FCRA, they must provide me with method of verification, who verified this information and it must be done within 30 days. These are clear violations of Federal Law and my federally protected consumer rights.
Product: Debt collection

On Monday XX/XX/XXXX, my wife XXXX received a call from a representative at Midland Credit Management ( legal account number XXXX for {$1900.00} ). She tried a payment arrangement that would have worked but could not come to an agreement. The MCM representative was asking for " {$200.00} the first month, and {$100.00} each month after. '' That is an obscenely high amount with our family 's budget. I tried calling at XXXX this same day and was met with similar resistance. I recommended {$19.00} a month as that was the previous payment arrangement and the last payment made was in XXXX. We are not hiding from this debt but it would be in the Midland Credit Management 's best interest to agree to our payments of {$19.00} a month. Why? In the state of Florida there is a head of household exemption. This debt is solely my wife XXXX 's responsibility. I work too but this is not my debt. That being said, she is eligible for this exemption and here 's why : she provides more than 50 % support for our XXXX XXXX and makes less than net income of {$750.00} a month. Can we come to an agreement that {$19.00} a month is more preferable then no money? XXXX/mo versus XXXX/mo? All we want is piece of mind, no more calls, and no surprise Writ of Garnishment/frozen assets. I've provided links/sources for your education. 

XXXX  : //XXXX.XXXX/XXXX-XXXX-XXXX-XXXX/ XXXX : XXXX
Product: Debt collection

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit as described in ( XXXX XXXX XXXX ) and was extended credit in a consumer credit sale, they are now claiming that they originated the credit I extended to them in which constitutes fraud, The alleged transaction included a finance charge ( sum of all charges ) and the finance charge includes insurance in which this organization did not include my insurance and my finance charge pursuant to federal law ( XXXX XXXX XXXX ) they have committed fraud and several violations of the XXXX and XXXX. 
They are now threatening and harassing me for an alleged debt that they claim I owe I never received a material disclosure of any of the information that was supposed to be provided to me, they have taken an unfair, unscrupulous advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous, false allegations on my consumer report. 
They act as if they are unaware of what I am requesting or that the law does not apply to them and Ive included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law. Their willful non-compliance has damage my reputation as well as my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through XXXX  and Equifax and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX   XXXX  failed to pay bills as required and or help get this off my credit report and denied a loan request based in part for the denial, until they did n't pay the bills from bill pay did the problems I had these accounts when I joined the credit union and the approved  XXXX  loans and at that time they was none issue. As of todays date they still not paying bills on time as agreed.
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies stating that the investigation of these accounts was completed, verified, and updated. However, my credit report still contains multiple inaccuracies. 

Under XXXX XXXX. XXXX ( XXXX ) concerning the XXXX of XXXX, I am entitled to understand the verification process conducted by your agency. I request a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations and updates, my credit report continues to reflect discrepancies. I request the removal of these inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681 ( a ) ( 4 ) my rights of privacy has been violated and this has been quite cumbersome due to all of this that is on this consumer report that is under my name Per 15 USC 1681 ( b ) I did not and would never give permission to put anything negative on anything belonging to me a consumer report of any sort would not should not be used for negativity you never had any permission from me which is to be in place and I never would have given permission for such allegations and negative reporting of any sort per 15 USC 1681 b ( a ) ( 2 ) per 15 USC 1692 ( f ) Per 15 USC 1681n The only Name is By : XXXX XXXX XXXX XXXX XXXX That should be on my consumer report and the only phone number is XXXX XXXX XXXX that should be on my consumer report and the only address that should be on my is XXXX XXXX XXXX XXXX XXXX county near District Of Columbia DC XXXX consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to all Credit Reporting Companies ( XXXX, Experian, and XXXX ) that XXXX  Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Product: Credit reporting or other personal consumer reports

The collection thats reported on my credit report does not belong to me. This is fraud and I ask that this debt be removed from my credit report as soon as possible.
Product: Mortgage

Cross Country Mortgage erroneously paid the wrong insurance company out of my escrow account in XXXX of XXXX. Cross Country paid XXXX XXXX $ XXXX.I realized what happened when XXXX XXXX , my current insurance company, threatened to drop our coverage if they didn't receive payment in XXXX of XXXX. XXXX XXXX was then paid {$1400.00} out of my escrow account in XX/XX/year>. Cross Country then performed an escrow analysis and determined my escrow was underfunded and increased our monthly payment by {$130.00} I have since been back in forth with Cross Country, XXXX, XXXX XXXX, XXXX XXXX trying to get this money refunded. I want the money refunded into my escrow account. 

I have called and spent many hours on the phone since XX/XX/year>. It is now mid XXXX and no one can give me any indication of when this money will be returned. It's hard enough to get someone on the phone as their system is so automated. However, when I do finally get through to someone it's not the right department and they have to transfer me and I have to wait again. I have since asked for a call back from a senior rep or supervisor and never received a call. No one cares to follow through and actually make any progress on this issue.
Product: Credit reporting or other personal consumer reports

I WROTE EXPERAIN A VALIDATION LETTER FOR LATE PAYMENTS ON MY CREDIT for XXXX, XXXX, XXXX AND XX/XX/ 2023. 
IM CLEARLY UPSET TO FIND XXXX LATE PAYMENTS IN A ROW WHICH LEAVE MY CREDIT DAMAGES CANT GET ANOTHER CAR BECAUSE OF FALSE LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

I asked the Credit Bureaus to a proper verification of my credit report ; in reference to a dispute of some problems I was having with some creditors. They concluded that every thing was verified. Upon further research conducted by myself I found inaccuracies involving my credit report even they conducted their through research. This information can be found in all three credit Bureaus reports previously filed to your in my last CFPB complaint filed under # XXXX, XXXX, XXXX. The dates, amounts owed and statue of terms of the debts are of question. also. 
. 
In accordance to the fair credit reporting act convergent the above Bureaus/Creditors has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section States 602 A Section 2 ; also states a consumer reporting agency can not furnish a account without written permission.
Product: Payday loan, title loan, or personal loan

I closed the account but it says on my credit report I was late on a payment when I was not
Product: Debt collection

KAY JEWELERSis violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' KAY JEWELERS failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. KAY JEWELERS is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and hurting me both financially and mentally.
Product: Mortgage

In XX/XX/XXXX Roundpoint lending raised my mortgage by {$200.00}, without notice. Upon contacting them they said my local taxes had increased. After contacting my county treasurer I realized they had made an error in the calculation. After notifying Roundpoint it took 4 months for my payment to be lowered back to what it should have been. 

At the end of XX/XX/XXXX ( I was out of town and didn't receive the letter until early XXXX ) I received a letter from my insurance company stating that my insurance had been canceled because of non-payment. I contact Roundpoint and they said I didn't have an escrow account. I have spent 4+ hours on the phone with them, but they still won't reinstate my escrow account with taxes and insurance and can't explain what happened. 

When I call the call is dropped or I'm put on hold for hours. Also all the direct lines I have been given no long work.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft while I was XXXX  from XX/XX/XXXX, XXXX XXXX, XXXX. Legal documents have been given to support this claim that this occurred as a result of identity theft/fraud while I was XXXX.
Product: Debt collection

I was called by a collection agency ( Account Discover Systems ) regarding someone else 's debt. I instructed them not to call my number and the representative I spoke with got rude with me. I asked for her to stop calling my number with regards to the person 's debt, and she still insisted on getting smart with me.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXXXXXX on XX/XX/2024 about a automobile loan I have paid off, that wasnt reported as charge off as the credit bureau is reporting that the account is listed in charge off with a balance the account # XXXX I informed XXXX XXXX the credit bureau are reporting this account as listed as charge off with a balance, I spoke to XXXX XXXXXXXX employees XXXX and XXXX they both informed me that this account wasnt reported as charge off with a balance but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex System is reporting information on my report that was not initiated by me and I did not apply for credit. There is an account from XXXX XXXX bank being reported on my report and I have called XXXX XXXX bank, left messages and no one has returned my call. Chex System is continuing reporting this account. 

Also, there are inquires showing on my report that wasn't made by me and I'm asking Chex System to delete these inquires. 

There is also two accounts being reported by XXXX  XXXX  XXXX. Both accounts is showing the Closure Status date as XX/XX/2021 which is incorrect. Also, the state for these accounts is blank and being reported in error. I would like both these accounts deleted from my report as Chex System is reporting these two accounts inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX is still showing that I have loans with them, and I do not. 

My loans were transferred to another servicer, XXXX, and consolidated. The loans were paid off through the consolidation. They show {$0.00} on XXXX  and the department of Ed sites. 

I have no loans with XXXX. In fact, I cant even login into XXXX because I literally dont have an account with them. 

I have disputed the reporting 3 times. The second time they changed the report to show about half the loans as closed and {$0.00} balance.

I think they are trying to keep the door open for collections on forgiven loans, and I refuse to be enslaved by a private corporation. 

XXXX and the reporting agencies must change my report to accurately reflect that these loans have been paid off because according to the Department of Ed, I owe {$0.00}. 
As such, XXXX and the credit reporting agencies are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am deeply curious of how my outcome for this complaint has turned. Your company has responded to my request of removal of these inaccuracies and they are still reporting these accounts. It has deeply affected my credit standing and it stresses me out.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was targeted by an employment scam involving a fraudulent job offer impersonating the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). The scammer used the email XXXX and claimed to represent XXXX XXXX XXXX, who could be contacted at XXXX ( XXXX ) XXXX. After several email and text exchanges, I was hired and instructed to deposit a check they provided and use the funds to purchase office supplies. 

The check appeared to clear temporarily, but it was later placed on hold. Believing the check was legitimate, I sent two payments via XXXX to XXXX XXXX ( XXXX ) under the pretense that I would be reimbursed : XXXX. {$950.00} on XX/XX/year>, for a laptop. 
XXXX. {$600.00} ( Payment ID : XXXX ) on XX/XX/year>, for additional office supplies. 

When I realized the job offer was fraudulent and the check was fake, I immediately contacted Chase Bank to report the scam and provided evidence, including emails, texts, and payment details. However, Chase denied my fraud claim and refused to recover the funds. XXXX has also not assisted in addressing this issue. 

I am requesting a thorough investigation into these transactions, as the funds were sent under false pretenses as part of a larger fraudulent scheme. This incident has caused a total financial loss of {$1500.00}.