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

I had a HELOC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called XXXX on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through XXXX, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called XXXX 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered XXXX reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called XXXX today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them ), but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that XXXX will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but XXXX has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I enrolled in a Debt Consolidation program with XXXX XXXX XXXX. There were 4 credit cards rolled into the program. Capital One & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with XXXX debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my Capital One Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of CAPITAL CREDIT CARDS When I tried contacting Capital One to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by CAPITAL ONE, nor XXXX XXXX XXXX of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, CAPITAL ONE told me to defer to XXXX. 

The same day, I contacted XXXX XXXX XXXX to try to clarify the situation. XXXX XXXX confirmed that the payments were being made to CAPITAL ONE on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, my husband and I had the pleasure of meeting with XXXX XXXX XXXX, a sales representative from XXXX XXXX, who sold us XXXX windows for our home. During our meeting, XXXX XXXX assured us that we were approved for a payment plan of {$190.00} per month with no interest for 18 months. In order to proceed, I signed a release for my credit report to be accessed. 

Unfortunately, due to technical difficulties with his device, XXXX XXXX was unable to provide us with any paperwork or contracts at the time. He assured us that XXXX would send us all the necessary documentation. However, despite my repeated attempts via phone calls and emails to XXXX XXXX, I have not received any response or the requested paperwork. 

To add to our frustration, on XX/XX/XXXX - XXXX, the windows were installed in our home, with the exception of a XXXX obscure window for our downstairs bathroom. Instead, a clear window was sent, contrary to XXXX XXXX 's promise of an obscure window. This discrepancy has yet to be rectified. 

Further complicating matters, on XX/XX/2023, I received a letter from Service Finance stating that a payment of {$380.00} was due on XX/XX/XXXX. This came as a surprise, as the agreed-upon terms were vastly different from what was stated in the letter. Upon contacting Service Finance, I discovered that a contract had been signed with my misspelled name and my husband 's name, outlining payment terms of {$380.00} at 17.99 % interest. I must emphasize that I had never seen nor agreed to these terms until XXXX XXXX XXXX from the complaint department at Service Finance sent me the contract. 

Despite XXXX XXXX 's efforts to contact XXXX. XXXX XXXX XXXX on my behalf, I have received paperwork on the windows but no communication or documentation from XXXX XXXX. Additionally, XXXX XXXX XXXX of XXXX XXXX XXXX has yet to respond to my inquiries regarding the fraudulent contract addendum and the promised corrections, as well as the installation of the bathroom window.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX {$6300.00}, XXXX XXXX  balance {$2900.00}, XXXX XXXX balance {$410.00}, XXXX  XXXX XXXX  balance {$920.00}, XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$160.00}, XXXX XXXX XXXX  balance {$770.00}, XXXX XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$190.00}, XXXX XXXX balance {$250.00}
Product: Vehicle loan or lease

On XX/XX/2020 my account with Gateway One Lending was closed. I have not received any kind of documentation on information as to who the loan sold to or who is servicing it now. I made a payment to Gateway One Lending for XXXX in the amount of {$500.00}. I was not aware the loan was no longer being serviced by them and unable to get ahold of anyone with the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX Subject : Immediate XXXX XXXX Compliance Dispute and Request for Deletion of Account # XXXX I am writing to demand the immediate correction and deletion of serious inaccuracies related to my account ( # XXXX ) across all major credit bureaus. These errors blatantly violate XXXX XXXX format standards and my rights under the Fair Credit Reporting Act ( FCRA ), specifically CFPB 1006.34 ( b ) ( 4 ), which requires accurate reporting. 

Specific Issues : Date Opened ( Field 10 ) : There are discrepancies between XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX that must be corrected immediately. 

Number of Months ( Terms ) ( Field 19 ) : XXXX and XXXX report " XXXX '' months, while XXXX reports " XXXX '' months. This significant inconsistency must be addressed without delay. 

High Credit ( Field 25 ) : Conflicting amounts of {$11000.00} on XXXX and XXXX versus {$11000.00} on XXXX must be rectified promptly to ensure accuracy. 

Date of Last Payment ( Field 26 ) and Date Last Active ( Field XXXX ) : Unacceptable variations among bureaus directly impact the accuracy of my credit report. 

These inaccuracies have a severe and detrimental impact on my creditworthiness. Therefore, under CFPB 1006.34 ( b ) ( 4 ), I request an immediate investigation and the deletion of this erroneous account information from all credit bureaus ' records. 

Failure to promptly delete this inaccurate information will compel me to escalate the matter, including filing complaints with regulatory agencies and pursuing legal action for non-compliance with FCRA regulations. 

Please provide written confirmation of the deletion and documentation verifying that the inaccurate information has been removed from all credit bureau records. 

Thank you for your immediate attention to this matter. I expect a response confirming the deletion within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I open checking and saving account in Jpmorgan case bank XXXX XXXX on XX/XX/2023 in order to receive fund from XXXX to pay wife and I XXXX XXXX  expense. 
After did a couple of transaction my account suddenly was locked and all the payment was stopped by bank, then someone from fraud depart said my account have unusually activity they need to close my account, then my account was close in XX/XX/XXXX, then they said they need to investigate, since then already over three months, during these time I try to explain the questions if necessary but they ignoredright now my money hold in the bank more than XXXX XXXX I need the money to pay medical expense, what should I do?
Product: Debt collection

Requested validation notice from the debt collector about my debt. Collector refused to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion about being a victim of there inquiry issue. I have inquiries on my report they added which isnt mine and they refuse to help me saying I wasnt a victim.TransUnion failed to follow the LEGAL procedure to add inquiries to my account.
Product: Credit reporting

I usually check my credit score with my credit card companies such as XXXX card, XXXX XXXX, and XXXX banking. My discrepancy is with Experian. I had an credit score with that Co.. of XXXX. That was a month ago. I have had no major changes to my credit, ... and have never been late, ... .but my credit score has dropped XXXX points and the company Experian won '' t give me a substantial reason as to why? I have had credit for over 20 years and have never gone over half my credit limit or come close to maxing any cards. Would you please look into this and give me a reasonable explanation? I understand that Experian was hacked not too long ago, ... .could this have any bearing as to why my score dropped XXXX points in a months time.? from XXXX to a XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

TrueAccord Corp is trying to collect a total of XXXX. I do not know what this is and I would like this removed.
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 times called my bank TD, asked for the wire instructions to have a wire sent to my account, they gave me the wrong information, a routing number which was not my routing number. It should have been their ABA number with specific information to credit my account. Never showed up, they said, oh well if its wrong we send it back to the sending bank, XXXX XXXX, the person who sent it is my son XXXX XXXX XXXX XXXX. 
XXXX said they never got the money back when they tried to recall it. TD says they dont have it and XXXX doesnt have it. {$8500.00} Because no one will me where the money is. My car was repossessed because I was not able to make the payments. Im out XXXX and my car. Really need this cleared up. TD gave me the wrong information and feel they have the money and wont give it to me. 

Call if needed, XXXX Respectfully, XXXX XXXX XXXX SSN is XXXX
Product: Debt collection

In XX/XX/XXXX sent a request for debt verification and a request to stop calling my home, cell and work. As of XX/XX/XXXX they have called 6 times, called my work and even called my XXXX year old mother saying they were searching for me. They are in violation of the FDCPA. 

The most difficult one is knowing the called my XXXX yr old mother worrying her as she thought I was missing. She has a XXXX XXXX and can be frail. This has physically hurt her with her XXXX XXXX and my XXXX is off the charts due to this violation.
Product: Mortgage

I have a letter from Select Portfolio Servicing stating that they are working on my file which indicate I have submitted paperwork for the short sale. My realtor has called several times as have I and they have not documented all calls. They were not really trying to work with us on this short sale. All request have been sent over. For them to verify that they rec 'd my paperwork and now say its not complete is ludicrous. 

I just wanted my investor to buy the home so I won't have a foreclosure on my record and the lender not have a property on hand both of us happy. I really need to move in some apartments that require I don't have a foreclosure on record. I have submitted all paperwork. 

The balance that they are saying I owe is XXXX more than over the balance. The balance is now XXXX and some and my balance was XXXX when I got behind. It does not take a scientist to know that whatever was added to my balance could not be this amount. When asked for an audit on my file I receive nothing because they said I have not paid Select Portfolio anything. They are correct with Select Portfolio. But I paid when it was with XXXX XXXX, XXXX XXXX and XXXX XXXX. So I was still suppose to this accounting information because it was TRANSFERRED TO THEM. I KNOW THAT XXXX XXXX INSURANCE HAVE PAID THEM FUNDS -- -- -- -- -- -- -- -- -- -- -THEREFORE THE BALANCE THAT THEY ARE STATING IS INCORRECT. THAT MAKES THIS LOAN A FRAUD -- -- -- -- -. 

What can be done to stop this foreclosure because that's the reason they are not working with me. The balances are wrong and I can't be approved if the totals that they are working with are not correct, the system will keep kicking them out. 

I have asked for an itemized statement in which I have not rec 'd will you help postphone this sale and get this information to me since they have not returned phonecalls or called the realtor since this process
Product: Credit reporting

Multiple disputes were initiated through the Equifax online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Equifax has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX is NOT my account 5 ) Medical XXXX is NOT my account 6 ) Medical XXXX is NOT my account 7 ) Medical XXXX is NOT my account 8 ) DOB XXXX is inaccurate The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, consider this a written request for Equifax to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to XXXX. I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to XXXX See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. As these accounts have ruined my credit worthiness, life, liberty and pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account : XXXX XXXX  XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX MXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home loan service company was XXXX XXXX  until XX/XX/XXXX. In XXXX they transferred my file to a new servicing company name is Selene Finance. 
XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. 
The Selene Finance has mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement & the extension letter are both attached ) and the loan been paid off before end of the may, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. 
I have called both XXXX & Selene and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. 
Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application.

I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP.

Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
Product: Debt collection

I want to file a complaint against Rocky Mountain Professional Solutions for a bill by XXXX and XXXX XXXX XXXX. In response to their billing notice, I disputed this bill and requested validation information which they have not provided. I believe this is related to an emergency room hospital visit, where I supplied my Medicare advantage insurance information. 
By letter, I have requested information about the name of the provider and contact information, date of service, services performed and insurance response. They have not responded. 
I have had continuous medical coverage for several years. The medical provider should have billed my insurance coverage and been compensated. The solution I seek is for me to pay the remainder of a bill following the insurance payment, without increased fees by the debt collector. They should have billed my Medicare advantage plan as required by law if they accept Medicare patients. They should have contacted me directly as they had my contact information and insurance information. 
I have contacted Rocky Mountain by letter, as did my father acting on my behalf when I was very sick. We have offered again to share my insurance information. I am totally XXXX and have no income other than my social security XXXX checks. 
Attached are copies of our letters and the XXXX billing notice. I never received any bills from XXXXXXXX XXXX XXXX nor, to the best of my knowledge, has my medical insurance. Rocky Mountain has never informed me of my right to dispute the bill, nor provided any information about the bill other than state it is from XXXXXXXX XXXX XXXXXXXX XXXX XXXX.