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

I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify a collection account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA.
Product: Debt collection

Account XXXX Date opened XX/XX/16 XXXX XXXX I have submitted an ftc form I called the credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the Equifax and XXXX but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXXXXXX 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 XXXXXXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a credit inquiry from my Experian credit report. The inquiry was from XXXXXXXX XXXX which I have never applied for before. Apparently, who ever stole my identity used a different address based off XXXX XXXX. I have never lived in XXXX XXXX, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.
Product: Mortgage

I had Citimortgage purchase my mortgage from my original mortgage company in XX/XX/XXXX I started paying and everything was going good in XX/XX/XXXX I lost my job do to my XXXX I still managed to make my payments even after they refused to help me, in XX/XX/XXXX my mother had XXXX by XX/XX/XXXX I tried to again get them to help and they again refused, in XX/XX/XXXX my mother who XXXX was diagnosed with XXXX and I was trying to cope and take XXXX again Citimortgage refused to help at one point in XX/XX/XXXX my grandpa died and they not only refused to help me all those times they harassed my tenants to the point on several occasions the payment was a day late or not even by the XX/XX/XXXX of the month and they had representatives at the door of the house at XXXX telling the tenant that I was not paying my mortgage and they would be evicted I lost good tenants because of Citimortgage I have been done so wrong by the company they have violated me so much and I am still blessed to have kept up with my payments There has been times I pay on time by the XX/XX/XXXX but their system reports it not paid I noticed a strong pattern of always posting a late payment here and there to keep me posted and deliberately hurt my credit so I wo n't be able to refinance since I owe XXXX and the house is worth over XXXX they want me to loose so they can cash in Please help I have requested all the errors to be fixed but they refuse I have a record of every payment and even if they are dead wrong they do n't fix the issue Please forward my complaint to any and all other governing agencies that can help Again because of XXXX it takes me a very long time to find help
Product: Debt collection

Trans-Continental Credit is in violation of Regulation F Their letter to me fails to disclose the last date the creditor sent me a notice and the amount due on the date of such notice.
Product: Credit card

Capital One advertises Cash rewards -- however and whenever you want themWith Capital One ( XXXX ) cash rewards, there 's no limit to how much you can earn and no minimum requirement on how much cash back you can redeem. Also, your cash rewards do n't expire and can come as a check, account credit, or gift card. However after reading Your No Hassle Rewards Program Terms & Conditions, consumers are subject to : We reserve the right to alter, change, or terminate this rewards program at any time without notice. Redemption values vary and are subject to change without notice.This is misleading and contrary to their term " NO HASSEL REWARDS '' and it should be disclosed or not allowed on their applications page!!!!!!!
Product: Mortgage

I am the sister and filing the complaint against the mortgage company for lack of corporation in filing for a loan modification for my sister. I have legal attorney and have provied at least XXXX applications for the loan modification. Every time I try to talk with the agent who is handling my sisters loan mod. I can not get to talk with them. I am referred and connected to another representative who just repeats the same information over and over again. I have submitted over XXXX inches of documents to the mortgage company, XXXX letters of hardship, income, tax records, bills, and profit & loss statements to the mortgage company. I feel for sure they are stalling and not providing information or help with this loan modification so that they XXXX foreclose on my sister 's house. We as her family can not address any of her other credit issues until we are able to address help with her mortgage. Her XXXX co-pays and doctors use up all of her money just to get medical help. We have tried to re-fi and paid a company Home Eguity {$500.00} which came to no end. They just used our money. The house did not appraise to help. I have also contacted NACA for help and they have supplied papers and phone calls to the mortgager with no help at the present. Together XXXX of us have been working with the mortgager for 3 months and supplied everything we were requested and still no loan modification. Neither the family nor my sister can afford an attorney. We have been trying to straighten out a very bad financial situation and will continue, we just need some corporation from the mortgager before we can address any other issue. My sister is on XXXX and can not speak well or deal well with financial matters at this time, she has just come from XXXX for most of her career. We are told by the mortgager every time we submit documents that they request, even if it is the same document they already have, we must wait 5 days before we know if they will take the information and do the modification or ask for more information. The same information has been submitted over and over again. By me and NACA and still now they say we must wait until XXXX XXXX, 2015. In the mean time they have turned my sister over to their collection department. No she may loose her home before we get a chance to settle any financial matters. She gets upset every time some XXXX calls and I am trying my very best to help prevent her home from foreclosure. So has NACA, but neither of us is having any luck in communicating with the mortgager.
Product: Credit reporting or other personal consumer reports

I have wrote multiple dispute letters to XXXX XXXX and XXXX that were sent out certified mail requesting a re-investigation of the following accounts in question : WELLS FARGO CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now I have tried to reach out to the creditors to dispute each balance before it was considered a charge off but I was unsuccessful. 
I have sent out multiple of these dispute letters to XXXX, XXXX and XXXX via certified mail requesting them to look into this account and to fix the incorrect information thats reporting, they have verified these accounts with inaccurate information to be correct that is a direct violation to multiple FCRA provisions.
Product: Credit card or prepaid card

This is incredible ... I'm a consumer of the worst bank in Puerto Rico and the worst mobile company too.

Look at this. A twice charge of what? In the same day.

Why this people is working ... if that's what can it be call. XXXX XXXX!  AND I TRIED TO REACH THEM BUT THEY NEVER, NEVER FIND MY INFORMATION.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a XXXX XXXX and as a result, the following account and inquiries have been made without my consent or authorization. I am requesting that these items be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate wasnt what it was supposed to be
Product: Debt collection

National Credit System never notified me of the debt or let me verify where this debt came from. I had to purchase a credit report to see where this claim is coming from. It claims the original lender was XXXX XXXX XXXX  XXXX but I moved out of that complex in XXXX of 2021 and did not have any balance with them whatsoever. I have attached the closing move out statement to prove I HAVE NO BALANCE WITH XXXX XXXX!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Experian is resulting to legal jargon in response to my request for a re-investigation of my disputes of account # XXXX as of today nothing in the reports have been changed even though you say they are updated in your latest communication. if your re-investigations and evidence into these disputes led you to believe all the information in XXXX XXXX  account reports herein are verified and accurate then please publish this as your response to my disputes. 15 USC 1681. Furthermore i formally request herein that i be made Privy pursuant to law ( FCRA } of any information that was filed by the XXXX XXXX to Experian in response to my disputes, please publish this info with the CFPB and mail a true copy to me at my address herein : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Responding to a request for a re-investigation by merely saying an account is updated and that you've contacted the XXXX XXXX XXXX, then publishing a copy of the process rules and definitions in your dispute center response page does not satisfy the requirements of 15 USC 1681 herein. Updating an account to no end is futile.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX 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 XXXX XXXXXXXX XXXX
Product: Checking or savings account

i was trying to zelle money before they developed the warning and after i mistaking zelle the money they said my money is gone and theres nothing they can do about it
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/20, I used my Simmons Bank credit card to make an online purchase a {$74.00} item from merchant named XXXX XXXX. 

On or about XX/XX/20, the item had not yet arrived and the seller had not responded to requests for an update, a complaint was filed with Simmons Bank. Case #  XXXX. 

Sometime near XX/XX/20, a letter was received from Simmons indicating they did not believe a billing error has occurred. This finding was based on tracking documentation - a copy of which they included with the letter. 

Upon receipt of XXXX letter and upon review of the documentation it was clear the shippers documentation indicated the item had been sent to an in XXXX, CA, the other side of the country from where I live. 

I called the dispute resolution department and provide documentation proving my shipping address was NOT XXXX and the supposedly the case was reopened. 

Several calls over several weeks asking for updates, etc. finally resulted in being told It is too late the case is closed!!! 

Attempting to escalate the issue, I requested to speak to a supervisor and was told that one was not available and I would be called. 

No call came and the next day a supervisor was still not available and I made an appointment to receive a call the next day. That call did not come and I called again. That call resulted in a promise that a supervisor would call before the end of the day. 

No return call has been received.
Product: Credit reporting or other personal consumer reports

Since XXXX of this year I have made multiple attempts to have the account status corrected on my credit report. I received a confirmation letter from the creditor that they have updated the credit bureaus and yet the information continues to appear on my report. Specifically account status reports 30 days late. I have never been late.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

XXXX, experian XXXX I tried to view my credit report using XXXX XXXXXXXX my Fico score is XXXX then says deceased or not enough information on file i called life lock who then said to reach out to these places and i did I haven t been able to fix this its been over a month also at this current time someone. Is pretending to be me trying to get pay day loans. Also my husbands and my personal info is on the dark web XXXX XXXX XXXX XXXX XXXX XXXX I can't login to my XXXX XXXX account due to a data breach. I just found out about the XXXX settlement my husband and my info impacted by these events. In having trouble getting any kind of help to restore identity and receive what us rightfully ours from the cases.
Product: Credit card or prepaid card

My discover credit card I had for a couple years now. However that account has always been in good standing and the late payment is really affecting my score major it has been there since years ago.
Product: Payday loan, title loan, personal loan, or advance loan

Service finance company , LLC, a division of truist bank, did conspire with window depot of XXXX ohio, to fraudulently sell me a replacement entrance door, with terms as listed : promotional finance arrangement of XXXX down, XXXX interest, XXXX payment until 12 months after date of completion. I was sold this arrangement by XXXX XXXX of window depot in my house in XXXX of XXXX. The installation was on XX/XX/XXXX. It was faulty and incomplete despite a contractual 1 day install. The finance company emailed me on XX/XX/XXXX stating a certificate of completion was sent by XXXX XXXX, and payment of XXXX will be released unless they hear from me. When I objected to the release of funds, Service finance changed the terms of the payment contract without my permission, to 13.99 % beginning in 90 days. This is despite Service finance, LLC approving me for 12 months deferred interest and payment for the identical entrance door, but with west shore homes. That finance deal was approved by Service finance , LLC 3 days prior to me canceling with west shore homes due to horrible online reviews. The contract with window depot was the identical door, and the identical terms that was signed only 3 days after canceling with west shore homes. The 2 different females spoke to from Service finance, llc retaliated because I refused to approve the certificate of completion. My terms of repayment were then illegally altered to reflect a 90 day deferral, with 13.99 % interest.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA XXXX ( XXXX XXXX. XXXX ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report. 
FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within XXXX  days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.
Product: Credit reporting or other personal consumer reports

Credit agency violated the fair credit reporting act 663, Credit agency continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the file to be removed. Credit agency continues to violate this as I have an open ongoing identity theft on my file. I have Credit agency credit freeze credit to lock creditors from reporting back onto my file. They are failing to block creditors from reappearing on my credit file. 
Identity theft case going on still
Product: Checking or savings account

By XXXX XXXX2018 Bank of America claiming to change my Account from eBanking Checking to what they Call Core Checking which i did n't sign up on
Product: Vehicle loan or lease

Account number XXXX Im writing regarding my mercedes account that displays online that i can not make the payment online i contacted them multiple times i emailed them to open the account to i can pay for my car. They gave me number of their fraud department that i tried to reach 11 times but no luck on XX/XX/XXXX i have a payment to make and they didnt send me paper bill and not letting me to pay the payment online either
Product: Mortgage

I have a loan with Ditech Financial the property need insurance which I provided by XXXX XXXX the problem is Ditech went on put insurance which take the mortgage too high for me to afford the mortgage. I send them the all the insurance information and have XXXX  XXXX company called and still Ditech refused to take the insurance off, my mortgage payment was {$890.00} now because they had insurance is now {$1100.00} which is way too much for me can you instruct me on my next step thank.