23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I keep getting debt collection letters from " Portfolio Recovery '' and debtors, of multiple Collectors for the same debt ( s ) and I asked for a " signature agreement '' or original copy of the credit card or my " Special Fonts '' signed e-signature to prove these debts are " Not '' from the Identity Thieves, that Stole my personality and keep Selling my info and data over the internet. I received a normal monthly type " bill statement with my name typed onto a state and bill. The Thieves have that " personal Info '' same as these Debt Collectors. but, The Credit Agencies have alerted me many times, that my personal and info is being shared over the Dark web. I can't seem to get the help or verification of my " signature document '' from any of these Collectors and my cases just get closed as the debt collectors send you all at the Consumer Financial Protection Bureau ( CFPB ) and the credit agencies the same " statements '' with my personal name and address and then you all close the cases and so does the credit agencies. where is the " Reporting and Collecting Proof of signature Agreement???
Product: Credit reporting or other personal consumer reports

I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

We feel as though we are unjustifiably ignored and being held up with our mortgage refinancing at a lower rate. We have been approved and have provided all documentation requested. All communication has ceased unless we initiate contact regarding the status of our closing date.

Our original loan is with NewRez LLC c/o Shellpoint Mortgage Refinancing at 4 % interest rate plus PMI. We are in good standing, have excellent credit, & pay our mortgage on time. We selected NewRez for refinancing since they already have our loan. We felt the process would be a smooth transaction. 

Our refinance loan ref # XXXX was approved XX/XX/2020 with no PMI and 2.86 % interest rate. The process began XX/XX/2020 with a quote and a guarantee to beat competitors ' rates. Once we decided to eliminate competitors and stay with NewRez for the refinance loan, the process of closing has been delayed and conversations are non-existent. 

We are seeking a closing date with minimal fees or modifications to our current loan to provide elimination of PMI and reducing our rate to the promised rate.
Product: Mortgage

I refinanced my home with XXXX XXXX  on XX/XX/XXXX who told me at closing that they did not set up an escrow account and all I had to do was contact United Wholesale Mortgage after closing and have them set up the escrow account. On XX/XX/XXXX, I called UWM to set up the account, was told to email over several documents, which I sent all of them. They said it would take a couple weeks. I contacted UWM again when I did not receive anything. I was then told to upload them in their message center. I couldn't do this. I called again and was told no, I had to send them US mail. On another call, I was told they had my documents but no one had attached them to my account. Another call, I was told the same and this person assured me he attached them. Now I was given a work order date that it had to be completed by XX/XX/XXXX. More calls and online chats for over a week and nothing was being worked on it. I called again XX/XX/XXXX and was now told they were waiting for a Solid Waste bill. This was the first time I had heard of this and I'm not sure why they would need a Solid Waste Bill to pay taxes and insurance? I explained to him that I do not pay any solid waste. The HOA pays it all. He notated the account and told me to call back today ( XX/XX/XXXX ) and see if it was ok 'd. Today I receive another letter in the mail asking for the same original documents they received in XXXX. ( This has happened several times. ) I called back and was hung up on, then tried chat and was disconnected. I just spoke to another rep who said everything is still pending. I asked to speak with a supervisor for the 4th time and she said they will call in 48 hours. I have asked 3 times previously for a supervisor .... 2x no return call ... 1x they called and left a message with the only call back number being to call customer service. No return call. I just had to pay my real estate taxes myself as this has been tied up for the past 2-1/2 months. There is no interest on their part of setting up an escrow account. Customer service is horrible and no one seems to know what they are talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I attempted to utilize this card multiple times while on vacation in XXXX, only to be consistently declined. The contact number on the back of the card is non-functional when used internationally. Despite my efforts to resolve the issue through conference calls and discussions with third-party service providers, the situation only worsened. These individuals lack the authority to make decisions and are ineffective in resolving any issues. Communication with a company representative is severely hindered by their poor command of the English language. It is truly disgraceful to face rejection at restaurants, hotels, and stores due to this credit card. Not only did this card negatively impact my credit score upon acquisition, but it also proved useless in times of need. Such practices are unethical, as they mislead customers and unjustly affect their financial well-being.
Product: Checking or savings account

I tried to close my account with MACU. They stated I couldn't close it until the account was current. I put enough money in the account to cover the charges I made. The credit union kept posting payments to it, which resulted in multiple overdraft payments.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$2600.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$3000.00}. Please remove.
Product: Debt collection

After reviewing my latest credit report, I discovered several accounts that appear fraudulent and were added without my authorization. I request their immediate removal from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked with company Santander Consumer XX/XX/2023 and asked how was my car charged off. And how do i get the title. No one could answer i got transferred 3 different times. On XX/XX/2023 about XXXXXXXX XXXX  an unmarked tow truck with tinted windows no tag towed my car. They pulled at a store i go to regularly and used a clothes hanger to unlock my car doors because my alarm was going off. I feel this is very fraudulent. The lady at the store said they told her they where from XXXX XXXX XXXX XXXX. But when i look up company its a house and when i call phone number provided on the website it goes to a regular person phone instead of a business.I believe my car is stolen. I am going thru alot with my phone and cars being tracked and not by gps dealing with Santander consumer. Just that Saturday prior to XX/XX/2023 I received a letter from u all stating that my information was at risk. I also received a call from a debt consolidator stating i am in bankruptcy due to several fraudulent activities on my credit account. I dont know what to do at this point pls help!!
Product: Vehicle loan or lease

My family and I are going through a really difficult time, and dealing with XXXX XXXX XXXXas only made things worse. Ive been doing my best to make partial payments when I can, but my father recently suffered a XXXX XXXXXXXX, which has taken a huge toll on both me and my mother. He also has stage XXXX XXXX failure, and this vehicle is the only reliable transportation we have to get him to his necessary medical appointments. 

Despite explaining my situation, an employee told me to maybe " surrender the vehicle and find another means of transportation. '' Now, Ive received a notice stating that my car is up for repossession. This is devastating, and the lack of compassion from this company has made an already stressful situation even harder. Im reaching out because I need helpany advice or support would mean so much right now.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2021, I sent a letter to TRANSUNION to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX Collections that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.
Product: Money transfers

I received a phone call from XXXX stating that I owed $ XXXX dollars in outstanding taxes and that if I did not pay immediately that a warrant for my arrest was going to be issued. The person would not provide contact information. He forced me to remain on the phone. He wanted me to go to my local bank but they were closed, so he directed me to the closest Walmart. He then provided me instructions on who to send a Money gram to, XXXX XXXX, XXXX XXXX, NV. I sent them {$1000.00}. Through all of this the phone was on. The total call lasted XXXX hour and XXXX minutes. When I got home, I invested this further and realized this was an IRS scam. 
The same person called back this morning, from a different number XXXX, wanting more money. I hung up on them and they tried calling back XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. XXXX
Product: Checking or savings account

I get my SSI CHECK on the XXXX  of each month but wellsfargo keeps on giving me over draft fees like crazy. I have no beak on this they just dont care. I have no money left for the rest of the month and is not {$34.00} is {$35.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is being reported inaccurately. Specifically, there is a debt listed under WebBank that I do not own and that is not valid.

I believe my personal information has been misused, and this debt has been mistakenly associated with my name. I have reviewed my records and can confirm that I have no account, contract, or financial obligation with WebBank.

This incorrect information is causing harm to my credit score and could negatively impact my financial future. I respectfully request that you investigate this matter and ensure that the erroneous entry be deleted from my credit report as soon as possible. 
Please let me know what documentation or further steps are needed on my end to facilitate this process. I appreciate your prompt attention to this issue, and I look forward to your response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2024 Subject : Request for Removal of Closed Accounts from Credit Report Social Security Number : XXXX Date of XXXX Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or outdated information on my credit report. Upon reviewing my credit report, I have identified several closed accounts that I believe are being reported incorrectly or are no longer relevant. 


Inaccurate Reporting : The information related to this closed account is inaccurate and does not reflect my current credit status. The FCRA requires that only accurate and relevant information be reported. 

Outdated Information : This account has been closed for a significant period, and the continued reporting of this account negatively impacts my credit score. According to the FCRA, outdated or irrelevant accounts should be removed from my credit report. 

Action Requested : I kindly request that the closed accounts listed above be removed from my credit report across all major credit bureausXXXX XXXXXXXX, and Equifax. If this information can not be verified or corrected within 30 days, I request that it be permanently deleted from my credit file in accordance with the FCRA. 

Please provide me with a written confirmation once the investigation is complete and the requested changes have been made. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Last 4 Digits of SSN : XXXX
Product: Debt collection

LVNV Fundig and their collections partner, Resurgent Capital, have been receiving dispute requests for over six months and not taken them seriously.

My credit report has been recently pulled to find a new rental for my home in both XXXX and XXXX XXXX. I have immediately denied HOUSING in both cities becuase of credit card debt listed on my report that is : a ) several years old b ) settled and CURRENT c ) the result of medical bills Although I stated all these facts when I disputed my directly with both LVNV and Resurgent, all they did was " verify '' the accounts and not look into whether they were actually legal, or had any affect on my ability to pay rent and keep a roof over my head ( they do not ). 

As I said, all my debt is being serviced ( through XXXX ) and this account is CURRENT. 

I would like to add I never gave permission for any of my debt to be sold to a third party. Both LVNV and Resurgent have no legal standing to collect on my debt, let alone report it to the bureaus. When I requested it be removed, I was flatly told NO and to file suit if I had a problem. I do have a problem. My debt is serviced, current, and I am unable to provide basic needs due to nefarious and illegal reporting practices. 

My lease is up and my apartment building suffered an electrical fire on XX/XX/year>. I have to move. I work in a job where I am paid enough to cover rent for the properties I am applying for and I am about to befcome homeless becuase serviced debt remains on my reports and none of the bureaus, or the lenders directly are bothering to listen to me, or do their due diligence to help and allow me to move forward with my life. Housing is a basic human need and I am being denied it. Continuously. I have a perfectly reasonable credit score ( XXXX XXXX despite the nefarious reporting ) and years of flawless payment history, however, I can not RENT AN APARTMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
{$240.00} XXXX XXXX XXXX {$490.00} XXXX {$70.00} XXXX XXXX XXXX XXXX There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed and I was advised to inform you to update your records ... grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

Ive been trying to contact XXXX XXXX XXXX to settle a debt in the amount of {$4800.00}. I called numerous times on XX/XX/year> to see if I can settle the debt and get something in writing to show that the debt was settled. Nobody will direct me to someone where I can settle this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report was not created right on XX/XX/XXXX I sent all three credit reporting companies the copy of the bankruptcy and team mobile was added by the credit reporting companies still say I own XXXX XXXX XXXX the money under federal laws I don't.
Product: Credit card or prepaid card

On XX/XX/20 I found a swimming pool ladder on a website. The vendor was a company called XXXX. The purchase price XXXX. The product was being run through XXXX. I was given no purchase receipt or shipping information at the end of the transaction. On XX/XX/XXXX the amount changed to XXXX. I contacted Capitol one and reported as fraudulent charges. Capital one instructed me to close account to prevent this vendor from further charges. In XXXX of 2020 a fraud investigation was filed with Capitol one. I explained that no product was ever delivered to me. XXXX claims it was but no one could provide a tracking number or purchase receipt as requested. This was fraud from day one.