23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Trying to refinance primary mortgage. We have requested demands on at least seven different occasions and the servicing company will not send a demand therefore I can not refinance to a lower interest rate I am near my the end of my rate lock. I need assistance getting the demand from the servicer, I have tried elevated requests to no avail.
Product: Credit reporting or other personal consumer reports

my account EXPERIAN was never late i had exceptional payment with history with XXXX XXXXXXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized
by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Debt collection

Diversified Consultants Inc. is reporting to the credit bureaus that I owe for an unverified debt that I 'm not responsible for. This debt does not belong to me and has created stress.
Product: Credit reporting or other personal consumer reports

I had a chase credit card in XXXX, after multiple cards that werent mine I closed the account paid the account in full at the beginning of XXXX. XXXX of XXXX i received a notice from the XXXX XXXX court system of having to go to court. So after a few months i provided all the information to the XXXX XXXX court judge. When the hearing date was set the chase bank attorneys failed to appear. Therefore the Judge dismissed the case. And the evidence I had was accurate. I had a XXXX balance, this is still on my credit report and I would like it removed
Product: Mortgage

I sold my home and closed on XX/XX/XXXX. The escrow amount sent to me in check form was XXXX. This check was deposited and came back as insufficient funds. 
Ditech is the Mortgage company who I had my mortgage loan through. 
When I called they said that they would issue a new check. 

I have called several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and they always tell me an excuse. Either they duplicated it and it was cancelled, that it may have been lost in the mail and we will issue another one, the first reason was that too many checks were being processed and that it was mailed late and now no reason, we will call you back. So I wait. My wife has also spoke with two different managers to try and resolve the problem and they keep giving us excuses. 

When I call they tell me they will send a new check and one never arrives. I have asked for it to be overnighted and still no check. I have also asked on XX/XX/XXXX to wire funds into my checking account and they told me they could not do that. 
I am getting no where quick and now we are heading into XXXX, over 3 months of trying to get my escrow balance from them and I am getting the run around. They are rude and make excuses every time I call.
Product: Consumer Loan

- On XXXX XXXX, 2017, I mailed a cashiers check, along with a letter indicating that it was to payoff my account ending # XXXX with Synchrony Bank. 
- On XXXX XXXX, 2017, I received a call from my bank stating that they just received a call from a XXXX XXXX in Maryland who received a letter from Synchrony Bank and my check. He stated when he contacted Synchrony Bank not knowing what the check was for, he was told to contact the bank the check was drawn on. 
- I immediately contacted Synchrony Bank upset that they would send out my payoff check and information out to someone I did n't even know. The customer service rep insisted that they would never do that, and that I must 've sent the check to XXXX XXXX. After 32 minutes of going back and forth, and the customer service rep not acknowledging that this was an issue as far as securing my personal information, insinuating that this was my fault and I should make a payment online and denying that this would even happen, I gave up and ended the conversation. I felt that the customer service rep was handling this as if I were lying based on the fact he could n't even realize that his explanation did n't make sense. 
- On XXXX XXXX, my bank received the check back from XXXX XXXX along with the original letter from Synchrony Bank. I 'm grateful that he was nice enough to send it back so I could then deposit it in my account and payoff the account online. Mind you, I sent this payment on XXXX XXXX, and because of their lack of prudent procedures, and disregard for customer information, this account was delayed in being paid off by almost a month ( I made a monthly payment in between all of this so I would not be late on any payments ) I do n't know what angered me more, what they did, or the treatment I received from customer service. Either way, both are unacceptable in my eyes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

DEPT OF ED/XXXX DEPT OF ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX - XX/XX/XXXX - XXXX XXXX has changed or modified the opening account date several times since the date of the first delinquency which was XX/XX/XXXX. The date opened states that it was opened XX/XX/XXXX but attached is evidence to the contrary stating that the account had already been closed since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX has changed or modified the opening account date several times since XXXX ; the date of the first delinquency is also obsolete as I was on active duty orders and deployed and was not able to attend.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX My phone numbers XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXXXXXX Account Number : XXXX Reported By : EXPERIAN Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being and I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the account ( s ) listed below be removed. 

According to 15 US 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these inaccurate accounts. 

Account Name & Number : XXXX XXXX # XXXX .....
Product: Debt collection

I terminated my account with XXXX XX/XX/2021. I paid off phones and then changed carriers. I then was provided XXXX shipping labels by XXXX  for two signal boosters and one warranty issued phone. I sent back the three items with the shipping labels provided. All tracking numbers sow that the equipment was received by XXXX and signed off by a XXXX employee when it was received. Despite this fact and my providing these tracking numbers to XXXX they continued to try to collect the debt which was not owed in the amount of {$690.00}. After 10 plus calls and 15 hours on the phone with off shore XXXX employees I could never get them to admit they received the equipment and that their employees either lost or stole the items. I was told that they were opening an investigation or that they were escalating it to a manger. Nothing ever changed. They then sent my account to a collections agency by the name of Amsher Collection Services. I disputed the claim with Amsher Collection Services but they said that XXXX verified the account. An Amsher Representative told me that as long as I paid something like installments on the debt that it would not be reported to my credit. Come to find out that they lied and it was reported to my credit. This was not a valid debt and the proof provided to both XXXX an Amsher clearly show this is not a true debt. The both received the copies of the XXXX tracking numbers that show the equipment was received. They are both in violation of state and federal law for attempting to collect an invalid debt, threatening credit reporting and misinformation. They have destroyed my credit by reporting a false debt.
Product: Debt collection

On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX case numberXXXX XXXX-was paid in full in the amount of {$3700.00} on XXXX XXXX, 2017. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. Account # XXXX-Account XXXX Account representative XXXX XXXX stating that I owe XXXX XXXX XXXX {$3000.00} even though the balance of {$3700.00} is paid in full on XXXX XXXX, 2017. On XXXX XXXX, 2017 the Superior court of XXXX XXXX Acknowledgement Satisfaction of Judgement that the balance to XXXX is paid in full. Therefore, this debt should be removed from all Credit Bureaus XXXX, XXXX and XXXX
Product: Consumer Loan

I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.
Product: Debt collection

This company purchsed unverified and or fraudulent debt for collection with no valid contract or means of validation which is in violation of FDCPA, FCRA and Consumer protection Laws.
Product: Credit reporting 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. 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 XXXX XXXX XXXX XXXX and list of Inquiries 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: Debt collection

Back in XX/XX/2023 I filed bankruptcy XXXX  XXXX and then shortly after around XX/XX/2023 I was contacted by a person claiming to be a law firm and demanded me to pay {$1200.00} to them for a debt from a agency that I supposedly borrowed money from ( such as a payday loan ). I then checked my email on XX/XX/2023 to find that I now have 9 email from them stating to either pay or they will prosecute me for a lot of charges I know nothing about. I advised them during the first phone call I have filed bankruptcy so my debt would be discharged. I am concerned that who ever this company is has stolen my information which is a concern that this company knew my social security number, drivers license number, and my date of birth, email, phone number. All of my personal information including my old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  xxxxxxx XXXX I completed the Student Loan Rehabilitation Program so this account should NOT be reporting any LATE payments. Correct or delete the account right away!
Product: Vehicle loan or lease

Like millions of Americans I was impacted by the pandemic. First by having XXXX twice XXXX, XXXX, XXXX and XX/XX/XXXX ( long Covid ) then by job loss, Spouse XXXX and vehicle maintenance. This issue have total devastated me. I have tried diligently to recover however on XXXX XXXX I was faced with a {$10000.00} car bill attached that added insult to injury on a two year old vehicle XXXX XXXX XXXX I have called every month since then asking for payment extension since my vehicle had been down since XX/XX/XXXX. Unfortunately, the reps at capital one have been unable to help me. 



I am not try to neglect my obligation. Im only requesting modification of my car loan to place the passed due amount to the back of the loan or a payment plan and the recent negative credit history kindly restored. I am able to make the current payment just like last month just not the pass due. 


I begging for leniency in this matter.
Product: Student loan

I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I purchased a service using my debit card through PNC bank. This service was never performed so I reported the unauthorized charge to PNC. PNC then accepted fraudulent evidence to clear the purchase authorization and avoid returning my money. To this day I have not received what I paid for.
Product: Checking or savings account

On XX/XX/2024 I tried to open a basic checking account with Capital One but was denied and without even waiting for a response from the bank, I am 100 % certain it was because of some bogus " deposit score '' calculated by XXXX XXXX since this exact same thing happened to me XXXX years ago. I make over XXXX XXXXXXXX, my current XXXX score is over XXXX, i.e., EXCELLENT, and I have NEVER had a delinquent bank account. The account I tried to open is a deposit account and there is no justification whatsoever to be denied based upon my income and credit score, not some arbitrary " deposit score '' assigned by an unaccountable and UNREACHABLE agency ( I repeatedly tried to speak with someone in charge at XXXX XXXX XXXX years ago to no avail ). These consumer reporting companies ( NOT credit reporting agencies ) need to be held to much higher standards. 

I'm not going to waste my time speaking to a useless front line Capital One rep who won't be able to resolve this. Someone in a position of authority needs to call me, look at my overall financial profile, and open this account.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Roundpoint mortgage servicing corporation obtained the mortgage I closed with XXXX XXXX on XX/XX/2018. This loan includes an escrow requirement for property taxes. On XX/XX/2018, I provided XXXX XXXX with a letter from the county indicating that I owed no property taxes for XX/XX/XXXX. I asked XXXX XXXX to remove the property tax escrow from my mortgage payment. They indicated they had sold the loan and could not do anything and I should contact the new owner of the loan, but they couldn't give me the new owner 's contact info until XX/XX/2018.

On XX/XX/2018, I was notified that the owner of my loan was now Roundpoint mortgage servicing corporation. I immediately provided XXXX   with the letter from the county indicating I owed no property taxes for XX/XX/XXXX and asked them to remove the property tax escrow requirement from my loan and to apply the XX/XX/XXXX property tax I already paid to my loan balance. XXXX notified me that they received my request and would contact me by XX/XX/2018. I never heard from them. They sent me a letter saying that the escrow could not be eliminated since I owed escrow payments for insurance and for PMI payments. I notified XXXX that I did not request the elimination of the escrow, only the removal of the property tax component. I spoke with a supervisor at XXXX who guaranteed me that my issue would be resolved by XX/XX/2018, and she guaranteed me a call on XX/XX/2018, to verify the resolution. I have not heard from XXXX and my account still shows the payment required for the property tax escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX ACCOUNT # XXXX THIS ITEM HAS UNVERIFIED ACCOUNT. THERE HAS BEEN NO COPY OF ANY ORGINAL DOCUMENTATION THAT IS REQUIRED UNDER SECTION 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.
Product: Credit reporting

XXXX XXXX is reporting the account inaccurately. This account has not been a collection account as I have paid this account every quarter per loan agreement. This account should not have a 30-day late showing. This account has displayed inaccurate information for more than 8 months which is a violation of my FCRA rights. I informed XXXX back in XXXX that the account was wrong ( see attached ) yet NO ACTION was taken on the account by either XXXX or XXXX.