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

I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXXfrom my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXXand will continue to make payments until the entire loan has been paid off. Recently TransUnion and XXXX   show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with XXXX they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
Product: Debt collection

XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Experian, and XXXX consistently reponds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts reported inaccurate. 
Chapter 7 Bankruptcy Case number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated     XXXX   XXXX   XXXX      . I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. I 've made a request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General   XXXX   XXXX   are still not in place even thoug h TWO  YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I pay regularly my monthly mortgage payment by check. In XX/XX/XXXX I applied for automatic ACH payment ( ln #  XXXX ). The confirmation was not forthcoming in XXXX thru XX/XX/XXXX. To avoid late penalty for XX/XX/XXXX, I sent a check to pay XX/XX/XXXX with a written note/warning " please do not double pay my XX/XX/XXXX payment, I applied for automatic " ACH '' payment " and confirmation of effectivity is not forthcoming. The lender received my XXXX check, ignored the warning not to double pay my XX/XX/XXXX mortgage, cashed the check. The lender accessed my bank money without my permission and maliciously for their advantage. The lender maliciously knew that my XX/XX/XXXX loan payment was already paid from a confirmation in their system, nevertheless cashed the check, applied such money to next month ( XX/XX/XXXX ) payment. I did not authoriz

e Sunwest Mortagge to cash that check. Lender staff ignored that warning and cashed. Unfortunately the check did not go thru but nevertheless lender and its staff accessed customer bank account in excess of my authority. For this reason, it is clear enough Sunwest Mortgage violated the trust I put on them so far as accessing my bank money without my permission. That is abuse of authority to collect mortgage payment ( as they already received my mortgage XX/XX/XXXX payment ) more than what they are entitled to. Imagine, Sunwest Mortgage collect and access maliciously any customer bank money as much as they can at any moments time and customers do not know of such activity until the customer receives a bank statement. For this reason, my bank charged me {$29.00} for that returned check for which I was asking Sunwest Mortgage to return/refund that money. I sent Sunwest Mortgage a bank statement that showed my bank charged {$29.00} but refused to refund.

I am filing this complaint so the public will be warned of this unscropolous activity of Sunwest Mortgage. I would like the lender borrowers to be aware of this lender activity. I also want the government monitoring agency to be aware of this kind of activity by this lender and to stop it now.
Product: Credit reporting or other personal consumer reports

Experian has failed t o fullfil its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestogation pof disputed information on my credit report, leaving inaccuracies or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting reliable responses, and failing to adequately notify consumers of dispute the outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items dispute the evidence. I provided, causing action to remove or amend the disputed accounts, as Experian 's inaction voilates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing an unverified bankruptcy with Experian in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Experian credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my Lexis Nexis consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Experian had not conducted a proper investigation into my dispute. According to my Lexis Nexis report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same XXXX XXXX report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Experian once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages XXXX and XXXX from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Experian is continuing to report unverified information on my credit report. I would like the item deleted immediately because Experian refuses to conduct a proper investigation into this matter.
Product: Mortgage

On XX/XX/XXXX, I was instructed by an online operator to file a escrow waiver because I was having trouble with my escrow account being overvalued. I initially ask for a reanalysis of my escrow account, but the Valon Mortgage agent stated I must pay {$720.00} to generate a reanalysis. I did this. Then, I was told by another operator, XXXX ( XXXX ), that I had to submit a request for a waiver. So I submitted a waiver. I have been denied three times for a waiver by Valon Agent XXXX, because XXXX says my LTV isn't below 80 %. This is false. My original home value is listed on their site as {$160000.00}, and my current Loan balance is {$120000.00}. When you equate LTV using the numbers listed on the website, my mortgage qualifies as being below the standard 80 %. This company will not honor, the rules and amounts listed on my account to correctly equate LTV, to approve my escrow waiver. This has been ongoing for about 3 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Screening, Is reporting information I never permitted them to do so. This is a violation of HIPPA as well as State and Federal Laws. They have caused me housing on several occasions and even after reaching out. They still report information to rental agencies. Fringing on my rights to happiness, life, and more. 

This is not to mention TransUnion Credit Reporting Agency doing so, as well. I did not permit them to report on my behalf. Causing denials and harm to my rights for freedom, life, and happiness. It is illegal to report any negative information, report without consent, provide any information to anyone without my consent, report without my consent, and more. 

Both Entities continue to do so, I am going to apply for another unit, to prove their disregard for the law. Causing me issues with housing, happiness, credit, and more.
Product: Credit card or prepaid card

I have a XXXX branded credit card with Comenity ( Bread XXXX ). For almost XXXX weeks now, you can not login and can not call them to make payments. Sometimes their easy pay system works to pay bills, which I think I did successfully. 

My issue now is that I can't call to cancel the card. They hang up the phones instantly. Their XXXX support says to call but it does not work. Many can not use their cards or even report a stolen card or fraud. 

This company has been extremely negligent and poses a huge security concern to many Americans. They need to be investigated.
Product: Mortgage

To Whom It May Concern, The response from Selene is filled with inaccuracies that can be irrefutably disproven through call logs, emails, and financial records. Despite Selenes policy requiring callback requests instead of live managerial access, my numerous requests went unanswered, with no explanations provided. Selene claims the XXXX payoff was inaccurate due to an XXXX late payment ; however, bank statements confirm the payment cleared without return. Their customer service representatives demonstrated a lack of basic mortgage knowledge, failing to distinguish between a principal balance and a payoff balance. I stressed the urgency of the situation from my first call, following an unexplained XXXX hold on my payment, which documentation can substantiate. Selene falsely claimed the payoff was short, though the Title company sent the full amount based on Selenes own documentation. The unexplained {$1600.00} discrepancy remains unjustified, as my consistent {$2300.00} monthly payments were never missed. Furthermore, Selene misidentified the Title company and falsely claimed they attempted contact, despite my documented call history ( attached, showing the call duration ) and their call recordings. The XXXX payoff included an unjustifiable {$6000.00} increase, which is impossible without a negative amortization loan not applicable in my case. The original payoff amount was accurate and the funds should have been accepted. Federal law mandates that lenders accept any payment sent, not return it, a fact verified by my attorney. Selene must legally issue a refund of the excessive $ XXXX principal paid, along with the XXXX  escrow overage amount of {$770.00} and the current amount in the monthly escrow reserves at the time of the XXXX payoff. Selenes persistent falsehoods and mishandling of my account highlight systemic issues that demand regulatory attention! This matter will be pursued not only for my resolution but to protect other consumers from similar exploitation and will continue to be pursued to the full extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to log in to have a credit freeze temporarily removed Experian is not helping resolve the issue
Product: Mortgage

Still waiting on Chase to complete any of their 'promised ' actions. 

My taxes are still up paid. I have 13 phone call requests into Chase now since XX/XX/2021 to do any of the following : 1. Pay the taxes for my property that are now 1 year over due. These funds have been provided to them ( all onetime ) each month via my mortgage payments and have been escrowed for this purpose. 
2. Explain to me why they have made payments from my account that have not been received the XXXXXXXX XXXX XXXXXXXX ( yet have been deducted in my account causing a deficiency in funds in my escrow ) - I was told two weeks ago this info would be sent to me as it couldn't be provided via phone. No info has been sent. And based on a call today none has been sent to date.

3. Why I am getting refunds in my account for payments that have not been sent by the City.
Product: Credit reporting or other personal consumer reports

ive sent multiple letters to Experian, XXXX, & XXXX None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and do not receive mail here. Someone has opened an account with my information and has used this address, i would like this address removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX  RE : XXXX XXXXand for Removal of Adverse Credit Information Under XXXX U.S.C. XXXX To Whom It May Concern, I am submitting this formal demand under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ) for the removal of adverse information from my credit report, as it pertains to my status as a recognized victim of human trafficking. Enclosed, you will find a certified transcript from the XXXX XXXX XXXX XXXX XXXX XXXX ( Case XXXX. XXXX ), unequivocally affirming my victim status. 
The court findings confirm the following : 1. Recognition as a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These circumstances are explicitly documented in the transcript ( Pages 2022 ). 
2. Court Ruling : The Honorable Judge 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 stated : 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 section XXXX ( Page 44 ). 
XXXX. Impact on XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, forcing actions that have unfairly affected my credit history. As established during testimony, my choices and financial dealings during this time were made under duress ( Pages 18-20, 39 ). 
Despite previously submitting this certified documentation, your response indicates a failure to comply with federal law. XXXX U.S.C. XXXX requires credit reporting agencies to block information resulting from a consumers status as a XXXX XXXX upon submission of official documentation. This court-certified transcript fully satisfies the statutory requirement. 
Demands : I request : 1. The immediate removal or blocking of any credit report information derived from actions while under duress due to trafficking. 
a ) XXXX XXXX XXXX ( XXXX ) Collection account b ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX d ) XXXX XXXX XXXX XXXX ) XXXX XXXX  ) XXXX XXXX XXXX ) Correct XXXX XXXX XXXX this was paid in full in good standing 2. Confirmation of compliance within 3 days as required by law. 
Enclosures : 1. Court-certified transcript ( XXXX XXXX. XXXX ). 
2. Supporting documentation, including testimony of coercion and ruling details. 
Should you fail to comply, I will escalate this matter through legal and regulatory channels, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and initiating appropriate legal action. 
Please confirm receipt of this demand and notify me of your actions to comply within the specified timeframe. 
Sincerely, XXXX XXXX
Product: Debt collection

I continuously received phone calls from Macys that exceed 4 times a day to my primary number. I had already advised the debt collector of max 3 times of day, they advise they use a dialer system and no way to know how many times they call. I filed formal complaint and evidence of phone records via fax on XX/XX/XXXX to fax provided ( XXXX ) XXXX and mailed a physical copy to the XXXX XXXX provided. I waited 15 days for a response were i called and made contact with a manager ID XXXX advised complaints received we receive a phone call from department that handle that part. I continue to wait for a response and on XX/XX/XXXX i received a call from the lead investigator XXXX XXXX and claims he had 15 days to respond since it was just provided to him. I allowed the additional 15 days to expire and still no answer to my complaint, i called again on XX/XX/XXXX ( XXXX ) XXXX and was advised XXXX XXXX not available and will contact me within 24-72 hrs. I fell this now gross negligence on the part of the investigator and Macys. I requested for all negative and derogatory reporting to my credit be removed while this investigation is on going, several violations could be happening and on going do to the system of debt dialer system that is being used to collect this debt. 

Example of a violations XX/XX/XXXX XXXX incoming XXXX 2. incoming XXXX 3. incoming XXXX XXXX. Incoming XXXX
Product: Credit reporting or other personal consumer reports

Today I got an inquiry that I didnt give consent credit card company my consumer rights by using credit card as defined in 15 USC 1602 ( L ) and it was unauthorized by consumer as defined in 15 USC 1602 ( p ).
Product: Credit reporting or other personal consumer reports

In accordance to 15 U.S. Code 6802 I am officially Opting out of all Credit reporting from the following companies This notice to all Creditors of accounts shall now serve as official Notice a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 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 Are now put on notice to Never Report any type of information to Credit reporting agencies With the law as my supporting documentation