23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We put our house on the market XXXX XXXX 2014 for $ XXXX within a week we were told greentree wanted $ XXXX. we signed all the paperwork. we submitted everything as it was given to us within XXXX hours.We received a letter dated XXXX XXXX stating " you can not be involved in an account modification and a short sale where an offer has been submitted, accepted, accepted, approved and is pending closing, or a deed- in - lieu where the deed has been executed and the related documents are being finalised '' greentree repeated thisXXXX times in the letter. I think a reasonable person has an expectation of a closing being imminent. The closing was set by our lawyer for XXXX XXXX. XXXX kept asking information which had been submitted. They never asked for an appraisal until XX/XX/XXXX. They did not allow a closing until XXXX XXXX. I believe they do not act professionally or with the custom in mind. I truly believe they just did not care about performing their duties in a professional and prompt manner. I had a contact person but when I kept calling they transferred me to a line that was an answering machine. no one ever returned my calls. 
I expected my credit to drop, but what is hurting me now is that they are showing late payments, which if they did there job promply and professionally we would have closed by XXXX XXXX 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent a question letter to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATTN : Midland Credit Management XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation To whom this may concern, I am writing to formally dispute the debt referenced by the account number [ XXXX ], which your agency is currently attempting to collect. I believe this information is inaccurate and must be corrected. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of the debt. Specifically, I ask that you supply a copy of the signed contract or agreement. Please include a copy of my signature, as I have no recollection of agreeing to such terms or entering into any agreement with your agency. I have already requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : Midland Credit ManagementXXXX XXXX Account Number : XXXX Amount : {$790.00} I request a thorough investigation of this account and a correction of the information on my credit report.

Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account.

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANA Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dispute my credit report, there was many discrepencies post on XXXX XXXX site bothe with transunion and XXXX. I disputed some items on transunion side of credit karma then went to post disputes on XXXX  site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX XXXX  pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using credit karma site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX XXXX TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, FIRST INV SERVICING CO FIRST INVESTORS SERVICING CO7, 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 an account without my written instructions. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that FIRST INVESTORS SERVICING INC has reported this account as a charge-off and that First INVESTORS was obligated to send me a 1099C form. I have called First Investors Servicing Co and have written them several times to no avail Has this company sent me this documentation?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account : XXXX Acct : XXXX
Product: Money transfer, virtual currency, or money service

I sent a wire transfer of {$5000.00} to Coinbase onXX/XX/XXXX. They reversed the wire three days later (XX/XX/XXXX ) due to a name mismatch. The money never made it back to my account. I sent several emails, one 7 days after the notice, another one after 14 days, and recently one after 16 days. All I got in response is " Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' They have still not reversed the wire. I called their bank and they said the money is in Coinbase 's  account. As of now I have still not received my money back.
Product: Mortgage

I paid a payment on or around XX/XX/XXXX. I waited for it to be applied so I could create a repayment plan. I noticed that the payment was not applied the next week. I called on or around XX/XX/XXXX and was told it would not be applied until I made an additional payment, which was not what I was told in XXXX. In XXXX the person I spoke with told me to make a payment in XXXX and then set up a repayment plan for the late payments. Now Ive gone past the date on the demand letter without a plan because they refused to set it up without a second payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get gas service to my new home on XX/XX/2020. I called XXXX, my gas company and they told me they have to do a credit check through Experion. I was informed my credit check account is locked and they can not turn on my gas. It is winter time! I tried to contact Experion via the phone but you can not reach anyone and their website will not let me file an email request to unblock my account. FTC requires I be allowed to fix a problem over the phone with credit bureaus in one hour.

I am freezing with my wife and children in my home do to a bogus account lock and there is no way to correct this issue via phone or email. Experion is in total control of financial future and heat in my home. Yet they provide no means to remedy their errors!
Product: Vehicle loan or lease

TransUnion has not updated my car payments as current since XX/XX/XXXX all payments has been paid on time am
d I have all statements as proof as no late fee 's or payments received to XXXX XXXX XXXX. When talking to XXXX XXXX XXXX  has stated to me they report every month and it seems Transunion does not correctly update information to this account as current and paid and its been 3 months and no payment update.
Product: Credit card or prepaid card

In XXXX of 2020, I noticed fraudulent charges on my Capital One Venture card. They told me they would mail me a new credit card within 5-7 business days. A new card never arrived, but I did receive mobile alerts telling me that new fraudulent charges were coming though anyway -- even though this new card was not in my possession. When a new credit card arrived ( 2nd attempt ), I received new fraudulent charges. Capital One shut down that card and sent me another ( 3rd attempt ). Same thing happened again -- more fraudulent charges. I have since received a 4th card, that continues to have fraudulent charges on it. It appears Capital One, in conjunction with Visa, are giving my new credit card number out to merchants -- something that occurs with automatic/recurring billing. The problem is that I don't use my Capital One Venture card for anything " recurring. '' It's a card that I use to make store purchases, gas purchases, etc. -- they are " one off '' purchases. 

I have asked them to stop giving my new credit card information away, but they refuse. They just keep trying to send me a new credit card each time. I believe my information was compromised during their recent data breach, and I don't believe they are doing anything to rectify it. I continually have to reach out to their customer support team and re-explain my problem, which takes hours out of my day each time ( hold time, re-explanation, escalations to supervisors, etc. ). 

This is a recurring issue that has been going on for 4 months, with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute regarding an account on my credit report and identity theft and the said information ( achieve personal loan ) was blocked. Enclosed is a credit report sent to me on XX/XX/XXXX without disputed information on it ). On XX/XX/XXXX I pulled my credits report again and said disputes information ( achieve personal loan ) was inserted back on my credit report without my knowledge or being notified as required under 15 USC 1681i ( 5 ) ( B ) ( ii ) and ( B ) ( iii ), ( i ) ( III ) ( II ). Experian has violated my rights the FCRA on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called transunion to dispute inquiries on credit report. I was told to contact the companies. I contacted  two companies that basically gave me the same response : contact the credit bureaus have no process to   change credit reports! I am  XXXX  and not very say with computers. I attempted again to get assistance from transUnion with no avail ... contact the companies. I do not know what else to do. I have several inquiries that did not have my permission to pull my credit.  XXXX   XXXX ,  XXXX  and  XXXX  are the only companies given my permission. I was very specific with not running my credit!
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. 

Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : BRIGHT Account Name : 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

I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.
Product: Debt collection

On or about XX/XX/XXXX received letter from Southwest Credit stating that my account had been placed with them for collection from XXXX for the amount of {$720.00}, but would settle for 65 % of that amount. Also, it had the 30-day notice on this letter for proof of debt. On XX/XX/XXXX I sent out a letter to Southwest Credit requesting validation of debt. 

On or about XX/XX/XXXX received reply to letter requesting validation of debt. All they had sent be were copies of bills from XXXX from XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent another letter to Southwest Credit stating that the information they had sent was not viable evidence and requested because it did not have my signature. I also requested information on each person that had personally verified this alleged account, so I could inquire how they were able to verify without proving proof bearing my signature. I also stated that according to FCT opinion letter from Attorney XXXX XXXX XXXX stating that a printout of a bill or itemized document does not constitute verification. 

On or about XXXX XX/XX/XXXX received the reply from Southwest Credit where they sent the same copies of bills from XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent out a final goodwill request for validation of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

On XX/XX/XXXX received a response from Southwest Credit stating that that they were unable to begin an investigation because they feel that my dispute was deemed to be frivolous or unsubstantiated because : 1. The dispute is substantially the same as a dispute previously received 2. The dispute was reasonably determined to have been prepared by a credit repair organization.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries.

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This is not a legitimate debt. I have repeatedly attempted to contact the office claiming I owe them money. The office does n't exist. Now, CMRE Financial Services is calling me to collect on this debt that is not legitimate. I tried to explain that to them and asked for my number to be removed from their call list. They refuse to give me any information about where they got the information. I told them I needed it to add to the police report for a stolen identity case and they still refused to give it to me until I confirmed my SSN and birthday. I refused for fear that they too would use my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, Experian, XXXX Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Product: Debt collection

Synchrony Bank, through attorney XXXX XXXX XXXX, have attempted to fraudulently collect on a debt collection case ( XXXX ) that was previously dismissed on XX/XX/XXXX ( with a court notice dated XX/XX/XXXX sent out to all parties ) by filing for new motions for default judgements on XX/XX/XXXX. 

The creditor violated the FDCPA by improperly and deceptively attempting to collect on a dismissed case ; and their actions have been misleading, harassing, and often in violation of fair debt collection laws. 

Please review these statutes. 

XXXX - False, Deceptive, or Misleading Representations XXXX - Unfair or Unconscionable Means to Collect a Debt XXXX - Harassment or Abuse XXXX - Communication in Connection with Debt Collection This could also constitute an abuse of process, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right. 

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  performed an unsolicited off-cycle bureau report on XX/XX/2023, which inaccurately showed a balance of {$1700.00} and a {$2000.00} credit limit ( 77 % utilization ). As a result, my Fair Isaac Corporation ( FICO ) score dropped by XXXX points with Equifax and XXXX points with XXXX. I contacted XXXX Bank on XX/XX/2023, and spoke with a supervisor who assured me they would submit a correction to the credit bureaus. 

After XXXX received and disseminated the correction, confirmed through my paid myFico subscription, my FICO score experienced XXXX point increase, returning it back to its initial benchmark on XX/XX/2023. However, Equifax who received the correction XX/XX/2023, allegedly providing the Fair Isaac Corporation with an update XX/XX/2023, has been unable or unwilling to address the lack of redress to the XXXX point drop in FICO score. 

On XX/XX/2023, I reached out to two myFICO representatives and three Equifax agents, but none of them were able to explain who is responsible for correcting the score. Furthermore, I have been unable to obtain any definitive information regarding the formal practices and policies governing the scoring algorithm 's handling of changes to previous inputs in order to minimize consumer harm.
Product: Debt collection

Portfolio Recov Assoc, is attempting to collect a debt for a loan. I have never had any communications, verbal / written with firm. I have never taken or received any loan, signed any contract with this firm. 

Amt : {$1600.00} Portfolio Recov Assoc XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX account # XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX 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. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.

Because of the violation i would like the following accounts in violation of the