23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I received a call from XXXX XXXX from National Credit Systems about a collection attempt from a past due rent amount that included other charges for XXXX. 
Through our conversation she was very argumentative and asked for a payment today. I told her I do not get paid until Thursday and I could not afford to make a payment until then. At the beginning of the call she made reference that they would report to my credit report if they did not receive payment. Towards the end of the call I asked directly if it was going to be reported to my credit report today and she said yes and I said so there is nothing I can do and she no... I then repeated that she has said at the beginning of the call that it would be reported if I didn't make payment and then she replied yes that is correct but you are not making payment. Then she back tracked and said she never said she threatened to report to my credit. She also called me in XXXX and I remember that I was busy trying to get my daughter ready for a funeral ( her grandfather had just passed away ) and I told her she called at a bad time and her first words were you don't even have time if it has to do with your credit report? LISTEN TO THE RECORDINGS!!!! I am not ok with the threats of using my credit report. She is also consistently insuating that I am lieing about what I am disputing and I do not appreciate someone who was not there to even try and discuss the issue at hand. When I asked to speak to someone above her she told me she is the person that handles the escalations and did not allow me to speak to anyone. I even tried to talk to her more calmly and she still went back to trying to argue the situation. Please do not allow this person to continue to treat people this way. Its not how you handle situations and you definalty do not threaten someone's credit report!!!! Again listen to the recordings!!!!
Product: Mortgage

I WAS STRUGGLING TO PAY MY MORTGAGE AND WANTED TO REFINANCE MY HOUSE SO I CALLED MY MORTGAGE MONEY SOURCE AND THEY TEFERRED ME TO XXXX TO TEFINANCE MY HOSE. I WAS BOUNCED FROM ONE PERSON TO ANOTHER. I WAS NOT UPDATED ON MY STSTUS. I HAD EMAILED AND CALLED XXXX AND THEY DID NOT AS NSWER ME. I WAS TOLD TO SKIP A LAYMENT AND I HAVE IT IN WRITING AND I WAS REPORTED TO MY CREDIT AS LATE PAYMENTS WHICH I WASNT CCX AS BLE TO REFINANCE MY HOUSE AFTER I SPENT MONEY ON FIXING MY HOUSE AND PAYING FOR MY SPPRSISAL FEES. I AM SO UNSATISFIED. CAN I DIVORCE MY MORTGAGE COMPANY? I WAS GIVEN OPTIONS BUT IT WASN'T HELPFUL AT ALL IT WOULD MAKE MY MONTHLY PAYMENTS {$800.00} HIGHER WHICH I WAS ALRESDY STRUGGLING TO MAKE MY MONTHLY PAYMENTS AS IT IS. I SM GOING THROUGH FINANCISL DIFFICULTIES AND I NEED AS BETTER OPTTION. I AM NOW 2 MONTHS BEHIND. ON TOP OF THE AUTOMATIVE SYSTEM XXXX IT TAKES ME 30 MINUTES TO GET TO A PERSON.I NEED A NEW MORTGAGE COMPANY BUT I AM LSTE SO I AM STUCK WITH THEM.
Product: Money transfer, virtual currency, or money service

Transfer of funds being delayed for XXXX day. excessive fees are being charged, {$1000.00} transfer fee per account. The bank in involved is Key Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions Credit Karma has told me I was approved for loans or credit cards. And I wasnt. Some hard hits got in my credit and dropped my score that kept me from ascertaining financing. With then hurt my credit more. Some were hitting my bureau without my consent. As a result my credit has been repeatedly negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently within a XXXX XXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( Trans Union, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not accurate it states I was 60 days late when it was in fact paid on time the consumer reporting agencies need to report accounts accurately I have attached a copy of my report to this complaint Im now requesting you to investigate this account and update these payments to paid on time immediately thank you for your prompt attention
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit card

They asked me if I wanted a credit card after I opened an account I replied I dont know. So they where waiting and the system was down and she said she would try it later but she didnt without contacting me I feel I should have been there while she was doing it and now hits on my credit
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, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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

I reviewed my credit reports and have noticed that Equifax is reporting a balance for XXXX of {$8500.00} but XXXX is reporting a balance of {$9200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

A person called my x-father-in-law 's home several times looking for me. They left a message on his home phone stating that it was very important that they speak with me and would he give me the message. They said they were calling from " XXXX XXXXXXXX XXXX '' and to call them back at XXXX. They also left a number, an account number maybe, of XXXX. The person who left the message was very bad English and it was difficult to get this information. Please note that I have never given my x-father-in-laws name or number to anyone as a reference so they had to look me up online to see people associated with me in my lifetime. I called on the weekend with no-answer. I just called again and the person who answered the phone didn't even give the name of the company, I had to ask him for it. The way that he answered the phone and conducted himself was very suspicious ; not like a legitimate company. 
He said it was XXXX XXXXXXXX. Then I asked him who was XXXX XXXXXXXX and he said it's a compliance company. Then I asked what kind of company it was and he said it was a legal firm and that one of their legal representatives must have tried to contact me. He did have my date of birth on record and didn't ask for my social security number - I wouldn't have given it to them anyway. He then said he would get someone to speak with me and left me on hold for quite some time so since I'm at work, I hung up. I see online that many people have been contacted by an F & M Capital and they have used abusive language and/or tried to collect what appears to be fraudulent funds from individuals. I think may be linked to a previous complaint of mine to CFPB for XXXX who stopped calling me after you got involved. If this company says that they are attempting to collect on behalf of XXXX XXXX XXXX, who I placed with a debt settlement company several years ago, that is a lie because I've contact XXXX twice and they are not collecting anything from me, do not know who these other people are and do not care.
Product: Credit reporting or other personal consumer reports

Experian did not respond within 15days of receiving letter i mailed certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation Please mail me the proof of your investigation and proof that this debt collector has a legal right to report or delete this account. 

XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

XXXX XXXX XXXX  with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

XXXX XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

I began taking control of my financial matters and pulled my credit report. After careful review it was determined that I had been a victim of identity theft. Listed on my report was a collection charge in the amount of {$1700.00}. Immediately I contacted XXXX to inquire about the said charges and any details that could be shared. As it turns out I 've never lived in the state of CT at anytime in my life at either address that XXXX csr provided. Secondly I contacted the credit collection agency as well, informing them of the fraudulent activity. The collection agency indicated the would send a investigative packet out to me to complete. I did offer them a copy of my lease which clearly indicates my residence for the ladt 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( XXXX ), XX/XX/2015 ( Equifax )
Product: Mortgage

I contacted XXXX XXXX  to advise them I was affected by the Covid Pandemic and was told I would be able to suspend my payments under the Cares Act. They sold my mortgage immediately to XXXX XXXX - My acct number with them is XXXX Both on XX/XX/XXXX, XX/XX/XXXX and again today- i was given the run around. 
I contacted them also and was sent to the collection department. I emailed them at XXXX - SUBJECT LINE - NOTICE OF DISPUTE ERROR CORRECTION NEEDED ACCT XXXX XXXX XXXX In XXXX, XXXX and XXXX and XXXX - and again today- I notified my former mortgage company, XXXX XXXX  that I needed to suspend my mortgage payments under the COVID CARES ACT. Now I am getting letter of FORECLOSURE which after speaking several people I know that this cant be correct. PLEASE help me COVID has ruined my life and now you are trying to take my house when I was assured I could get relief under the CARES ACT. My employer was sold after XXXX and my income and life have been affected and I need help. 

I've call their Customer Service - ( XXXX ) XXXX I spoke with XXXX who advised me that he would get this addressed and again I have received a notice of foreclosure! 

My email address is XXXX My Home Address is - XXXX XXXX XXXX, XXXX MD XXXX My cellphone - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home with XXXX XXXX XXXX which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submission, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX, which mandates a responsible investigation of disputes. Furthermore, XXXX  actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceedings I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Dates XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit 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 to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
Product: Debt collection

QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Product: Mortgage

SLS Select loan servicing used erroneous income for my loan modification. It 's been over XXXX years since they have had my file and I believe they just rolled the dice, picked a number out of a hat and walla! a loan mod that reflects an income of over XXXX dollars. I do not make XXXX dollars a month and never have! I am appalled at their conduct and request a thorough investigation on their sloppy underwriting and mis handling of my file. There is a sale date set for XXXX XXXX 2015 and I am very worried in that, they way they underwrite/ handle files, will cause me to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me.

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Credit card

I've always made sure payments on this account are made promptly, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to XXXX XXXX XXXX - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.