23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/16 I submitted an offer to purchase a short sale property serviced by Select Portfolio Servicing. There seem to be numerous delays by the servicer in review of the short sale that I would like to have investigated. After my offer was submitted, a BPO was not ordered until XXXX/XXXX/16. Results of the BPO were not processed until XXXX/XXXX/16 at which time a counter offer was requested. An updated purchase contract/counter offer was given to the servicer immediately and it took until XXXX/XXXX/16 to get a final approval even though there was no other negotiating. I immediately completed an application with a lender, ordered and paid for an appraisal and inspection. A title search by my lender showed there was an outstanding XXXX lien on the property. Negotiations with the XXXX lien began on XXXX/XXXX/16 and ended on XXXX/XXXX/16 with them requesting a $ XXXX settlement. The selling agent immediately went back to Select Portfolio Servicing on XXXX/XXXX/16 to get an updated approval including the $ XXXX settlement to the XXXX lien and it took SPS until XXXX/XXXX/16 to order the BPO again as the first XXXX had expired. I understand BPOs are only valid for 90 days, however I do n't understand the delays with ordering the BPOs and providing approval documentation. I unfortunately am now at jeopardy of losing {$600.00} for the appraisal I obtained if we do not close by XXXX/XXXX/16 since appraisals are also only valid for 90 days. I am hoping they will rush this second review, but am not hopeful. The purpose of my complaint is to obtain confirmation that SPS has maintained compliance with CFPB regulations and required timelines in review of this short sale.
Product: Debt collection

Tried to dispute debt that I have no knowledge of with XXXX. XXXXXXXX XXXX  XXXX dollars XXXX. Portfolio recovery XXXX, XXXX XXXX Failed to remove
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX {$800.00} ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX  {$28000.00}
Product: Credit reporting or other personal consumer reports

I need your help addressing the inaccurate account listed on my credit report. This matter has negatively impacted my reputation as a customer, and I am requesting your assistance in removing these incorrectly reported accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} XXXX XXXX ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report. It has been well over ( 30 ) thirty days and I have not received any investigation results.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, ( XXXX XXXX XXXX XXXX Original Creditor : XXXX ) ) has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

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 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX  Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : 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 


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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with XXXX XXXX  for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX  was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX XXXX, TransUnion XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXX XXXX insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
Product: Checking or savings account

On XX/XX/XXXX I was trying to access my account online but it kept giving me error message, so I call bank of America to let them know what's going on after I with XXXX employees and verified by all of them I'm pretty irritated, I ask XXXX was the name, is it necessary to go through all of this, all I wanted to do was get into my account online. 
She continues to ask questions and says I can't verify you, I asked why, she answers for security reasons I'm not able to tell you. I said let me speak to her supervisor and when the supervisor gets on the phone she tells me that my account has been blocked because she was not able to verify me and in order to get it unlocked I have to go into the bank to get verified. I asked her if she couldn't block it since she verified me too she said no she wasn't able to do that I told her that's a lie she says I am not lying so she's straight lied to me. Why do they have the ability to block accounts and when they get mad it's revenge for them to do that, they're not doing it for security reasons because if they were doing it for security reasons and I would have gotten phone calls letting me know that somebody's trying to get into my account but that is not what happens not at Bank of America
Product: Credit reporting or other personal consumer reports

There are XXXX last payments on my credit report from Upstart that should not be in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to reiterate my concerns regarding discrepancies in my recent credit report obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, it is imperative for credit reporting agencies to furnish accurate and up-to-date information to consumers. 

Upon a careful review of my credit report, I have identified several instances where the dates associated with various credit accounts do not align with my records and the information provided by the respective creditors. Specifically : The " Last Payment '' information for my account appears to be inaccurate. 
I am also unsure about the meaning of the " Creditor Remarks '' on my XXXX report. Please provide clarification on this matter. 
I had initially brought these concerns to your attention with the expectation that corrective measures would be taken promptly. Regrettably, your response indicated a disagreement with my observations. As a consumer, it is my right under the FCRA to have accurate information in my credit report, and I find it necessary to emphasize the importance of rectifying these discrepancies. 

This serves as a final notice and an opportunity for Kikoff to address and correct the inaccuracies in my credit report. Failure to take corrective action will leave me with no alternative but to pursue civil and criminal liability under 15 USC 1681n, which allows for penalties of {$1000.00} per violation. I am giving Kikoff one last chance to rectify these discrepancies and provide a written confirmation of the actions taken. 

I request your prompt attention to this matter and a comprehensive response outlining the steps taken to correct the inaccuracies. Additionally, please provide an updated copy of my credit report reflecting these corrections.
Product: Mortgage

Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. I have a payoff quote issued by this company on XX/XX/18 that clearly states that the amount of {$60000.00} for the pay off was good through XX/XX/18. However, upon selling the property they told the titling company a completely different figure, {$61000.00} that was {$730.00} higher than this quote. They are refusing to honor their quote. Spoke to XXXX at the escalation department. Additionally, they claim that they may take up to 30 business days to process the payoff ; however, their quote has language stating that any over-payments will be disbursed no later than 20 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXt # 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, Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed COMENITYBANK/COMENITY CARD Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX  XXXX Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I sent a letter for experian to investigate this account on my consumer report. they sent me a email telling me to check my account for dispute update and they stated account been VERIFIED. I never got a letter in the mail from them. I Sent another letter with tracking usps XXXX on XX/XX/22 asking them re-investigated and tell me The names and business addresses of each individual with whom you verified the information with. Also The date you contacted the individual furnisher of information and The method of communication you used to verify the information. Experian violated my rights more then twice. Under 15 usc 1681b i never gave written instruction to put this account on my consumer right.15 usc 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY. Under 15 usc 1681 ( a ) ( D ) ( 2 ) ( a ) ( iiii ) Experian was not fair they did not contact me asking me if this debt was mines. This is Fraud i did not tell you to put this on my CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. XXXX XXXX {$410.00} Was paid and they are reporting inaccurate information.

XXXX XXXX account is reporting wrong information. I would like it removed!

XXXX XXXX XXXX Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information.

XXXX XXXX is reporting inaccurate information. I want this removed from my report. XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report.

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report.

XXXX XXXX is reporting inaccurate information. I want this removed from my report.

XXXX is reporting inaccurate information. I want this removed from my report.

XXXX XXXX XXXX  Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. XXXX XXXX is reporting inaccurate information. I want this removed from my report.
Product: Debt collection

I correctly received XXXX XXXX XXXX in XX/XX/XXXX. I did not ever receive a bill from the company. I never received a phone or notice of attempt to collect or anything related to the bill. I only ever received a debt collection notice XX/XX/XXXX from a debt collection company -- Iquanitfied management services XXXX. I emailed Iquantified management service on XX/XX/XXXX and did not hear back from them. XXXX XXXX ( XXXX XXXX XXXX ) will not reply to me now that the debt was turned over to collections. 
I had several medical procedures in the XXXX XXXX period of time of which I paid each and every one of them within 30 days of the first billing. Had I received a bill, I would have gladly paid. I am XXXX XXXX XXXX and never not paid a bill in my life. This is truly a XXXX. I was never, not once, contacted or even sent a bill. I thought you had to send a bill multiple times or multiple attempts to collect. The first thing I ever received was a debt collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 My most recent Experian Credit Report shows that's I have : 66 charge offs!!! 
and 40 hard inquiries!!! 
Remove XXXX XXXX XXXX immediately. It is a fraudulent loan and is not mine. FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax regarding, regarding reporting a XXXX XXXX account on my credit file I have asked for a full investigation and to update me on the status of the investigation I have not got a update on the investigation. this account information is incorrect and should not be reporting on my credit file.
Product: Debt collection

I have received multiple phone calls from the company asking for someone named XXXX. I have told them multiple times that that is not me, but they will not listen. I have told them to stop calling me and they refuse to mark down that they have the incorrect number, stating that in the state of Georgia will not allow them to take down anything that I am saying in regards to the account.
Product: Debt collection

XX/XX/XXXX To whom it may concern : Re Account number XXXX On XX/XX/XXXX, I pulled my credit report on XXXX  and discovered that this account was reporting as Included in Bankruptcy with a Transfer or Sold status. On XX/XX/XXXX I disputed this account with XXXX  in order to correct the Transferred or sold status notation. A Discharged debt can not be sold or transferred per the FCRA, and the US bankruptcy rules, and must reflect the correct account status, Included in bankruptcy. On XX/XX/XXXX, I was alerted that this account had an Updated status as Transferred or Sold, without any notation that is was discharged in bankruptcy. XXXX  stated that this account has been verified per my dispute according to XXXX. It was updated with erroneous information on my credit report, and the date of last active or last reported, did not change, which would indicate that the account was in dispute. Nor did the the account show it was under investigation. On XX/XX/XXXX that I sent a certified letter to XXXX XXXX XXXX XXXX, advising them of their disregard in reporting accurate information to the credit bureaus, and Demanded its correction and or Deletion :. As of XX/XX/XXXX, XXXX has not responded to any of my disputes or letters sent to them. This blatant disregard of the fair credit reporting act, is destroying my credit profile, and creating denials of new credit. This debt was discharged in Bankruptcy court on XX/XX/XXXX, and under the fair credit reporting act it must show accurate or be deleted in its entirety. XXXX  is reporting this account as Discharged in bankruptcy. The last active status matches my bankruptcy filing date as XX/XX/XXXX, but the account is showing a Date of last payment on XX/XX/XXXX, which is four years past my discharge date. This also falls under the same guidelines as above. XXXX, was served with the same court information as the other creditors in my petition, and are blatantly disregarding the Rules of bankruptcy. It is now my understanding that this account has been sold to a company named Unifund. Please note : Any collection attempt on a discharged debt is a violation of federal law.
Product: Mortgage

Years of being mentally and financially abuse through ongoing impediments to pay my mortgage ; retaliation for speaking out against servicers ' action and for seeking assistance