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

XX/XX/2022-XXXX XXXX refused to issue me his last name or company identification number. This is a financial company that refuses to help in any manner. The company stated that I had no outstanding Loan with this company, and all my payments were on time and completed paid off. I haven't used this company in XXXX to XXXX years. I stated that my credit is showing delinquent payments, closed and paid off. This is negatively affecting my credit score and i need to remove it. I also let them know I was going to dispute this and already know they will try to answer back, so can we resolve this issue, or issue me a memo type of a letter to send into the credit burros letting them know I do not owe anything, I have not been behind on payments, and the account is completely closed. Even if they would do a total deletion that would be fine, they told me contact my credit burros. This company is listing false items on credit reports and I need this repaired immediately.
Product: Mortgage

I refinanced in XXXX to get rid of a predatory lender and servicer Chase, who was guilty of criminal usury. At closing in XXXX the new lender XXXX assigned the new loan to XXXX XXXX. XXXX XXXX failed to record assignment per Florida state XXXX. In XXXX XXXX XXXX assigned to XXXX and failed to record assignment from XXXX XXXX to XXXX. House got robbed filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX XXXX assigned to XXXX and recorded a defective assignment. In XXXX XXXX changed their name to XXXX cause they got in trouble with the Federal Reserve and had to pay {$63.00} XXXX to borrowers who were harmed. Found this out this year in XXXX. XXXX had my wrong address. In XXXX XXXX sold to XXXX XXXX XXXX improperly defective assignments and notes. XXXX does not have standing but trying to foreclose. Sued XXXX and XXXX XXXX in XXXX got default judgement. would like to get paid out of the {$63.00} XXXX for borrows who have been harmed. please. assist XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Product: Checking or savings account

I caught a ride to the store and left my card by accident and someone got access to it and spent almost XXXX
Product: Credit reporting or other personal consumer reports

Trans union, XXXX, XXXX, and XXXX XXXX XXXX XXXX is reporting me being 30 days late on my personal loan with XXXX XXXX XXXX XXXX in XX/XX/year>. However I evidence to prove that this information is inaccurate. Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit report and score. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold all parties accountable for their failure to adhere to the fair credit reporting practices. Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. Thank you for your prompt attention to this matter.
Product: Mortgage

United Wholesale Mortgage - Two recent payments that have fallen on weekend dates have been submitted BEFORE the agreed upon date set up by us. The representative tried to say it was our bank, XXXX, that was doing this. I have worked prior in the mortgage industry and know this is not the case. The representative disagreed with me. I stated that if it happened again I would file a complaint with the CFPB. The next payment falling on a weekend, same thing occurred.
Product: Debt collection

For many years I have been receiving daily calls from Portfolio Recovery, despite having informed them they have the wrong number and I am not the person they're looking for, and repeatedly asking them to remove my phone number from any accounts or lists they may have on file. Although I have received a variety of responses from the caller ( from courteous to incredulous to rude ), they have yet to remove my number from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Bank of American accounts totaling over {$30000.00} have been opened in my name. Bank of America keeps checking my credit account with the three major credit agencies, resulting in a decrease in my credit score from XXXX just a few months ago to XXXX points currently. I have tried to correct this with Bank of America but to no avail. My address is and has been for the past XXXX years been in XXXX. Whoever has opened this accounts in my name lives in XXXXXXXX XXXX. a place I have never been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : Experian and XXXX XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : Experian shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, Experian representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.
Product: Credit reporting or other personal consumer reports

For some reason my credit report from XXXX by Willams and Fudge was marked for collection with an amount of {$2400.00}. However the orginal creditor XXXX XXXX XXXX XXXX has already canceled the debt that was owed? Attached to this compliant is my Copy B form from the XXXX XXXX recieved on XX/XX/2024 from XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit report act ( FCRA ) to conduct a reasonable reinvestigation od disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, acce0ting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided causing harm to my credit standing. I am requiring immediate corrective action to remove or amend the disputed account an Experians inactions violates federal law and rights as a consumer therof.
Product: Vehicle loan or lease

On XX/XX/2022, I received a bill from Ally Auto Financial stating that I owe {$630.00}. When I receive a bill I normally remit the coupon and send it back but also when I look at my contract I notice there's no relationship between me and Ally. The contract is between XXXX and Ally. After I remit the bill and send it back to Ally the refused to accept the remittance coupon unless they are made in certified funds such as a cashier 's check, money order or payment through a third party such as XXXX XXXX or money gram. I sent a Conditional Acceptance stating the laws on what are certified funds according to XXXX XXXX. They restricted my account & marked it as fraud. According to the laws when they refuse the remittance coupon that is considered a discharge to the extent of the mount of the tender of the obligation. I received notice on my Credit Report that there are 2 late payments. Which I never gave them permission to report my information.
Product: Credit reporting or other personal consumer reports

The company sold to other lenders as well as XXXX who the loan lender was from the start to much of my information is out here, information is making my credit ability look awful These companies.are doing what ever they want with my information it is affecting my credit score every thing dealing with my credit report
Product: Vehicle loan or lease

I paid in full on XXXX XXXX and they tell us that they going to send the tittle but we only received a congratulations letter and retail installment sale contract, then we go to dmv they said that they send them a letter since XX/XX/2020 ask them for lien release but Hyundai Financial never response so we call several times ask for lien release a least to get our title from dvm but nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXX RE : FRAUD RE : EXTORTION RE : XXXX RE : PROOF OF CLAIM RE : GRAMM LEACH BLILEY ACT RE : BILLING ERROR RESOLUTION RE : REINVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF XXXXXXXX XXXX/Federally Protected Consumer to TRANSUNION, XXXX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. Send proof of your FRAUDULENT Authority and Power of Attorney to sell, report, share, transfer, and store my personal information, my financial information, and the right to speak for me on my behalf. HOW CAN SOMEONE WHO CAN NOT SPEAK, SPEAK FOR ME? TRANSUNION AND CODEFENDANTS/CLIENTS HAVE NO VOICE AS MINORS/CORPORATIONS. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is NOT being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report.

I have reason to believe Transunion and your codefendants/clients are using unlawful extortionate means by furnishing this transaction that should have been exempt from furnishing negative information they are not REQUIRED to furnish as a means to coerce me to pay on an extension of credit. ON WHOS AUTHORITY DO YOU HAVE TO COMMIT FRAUD ON MY NAME? MY LAWFUL CONSENT IS REQUIRED AND I NEVER GAVE YOU MY LAWFUL CONSENT. 

Transunion was previously asked to do a reasonable investigation into the above-listed accounts. Transunion was also asked to send several documents after their investigation. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV, CARBON COPIES, AND FROZEN SCANS, AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF FROM YOUR INVESTIGATIONS WHAT PROCEDURES WERE USED IN YOUR INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3300.00}
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the company named above are company who charged my account with fraudulent charged since its opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a physical letter to XXXX, Equifax and XXXX XXXX informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from Equifax or XXXX.
Product: Debt collection

XXXX XXXX XXXX  XX/XX/XXXX As well as over 40 hard inquiries. I have been disputing for fraud for several months and the services keep adding the listing back to my report. The inquiries are hurting my credit. I have called the inquired places several times and they say they can not assist me because I dont have an account for them to look up my info. I am getting very frustrated because I did not approve any of the above dating back to XXXX to XXXX.
Product: Debt collection

I checked my credit and saw an account from Southwest Credit Systems for XXXX in the amount of {$640.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.
Product: Mortgage

I have repeatedly requested that Shellpoint Mortgage Servicing/NewRez document and support their poor accounting and junk fees that exist on my mortgage. I have cancelled checks from XX/XX/XXXX ( now ) until the present that show and support my claims that my home was not ever in foreclosure in XX/XX/XXXX & XX/XX/XXXX and they charge me junk fees and record bogus charges throughout these years for this. I have cancelled checks showing the payments from XX/XX/XXXX to the present for mortgage payments and they do not even come close to the ridiculous records that Shellpoint Mortgage has even when they were not servicing the loan. 
For example : In XX/XX/XXXX XXXX  XXXX XXXX was servicing my loan and I had an interest only mortgage. XXXX  XXXX XXXX 's accounting sheets accurately report my payment, escrow payment and interest payments, and principal balance on each date. These are matched on Shellpoint Mortgage Servicing 's records until XX/XX/XXXX, where they begin to charge me fees and increase the Principal Balance of my loan BEFORE they ever even start servicing my loan! The balance begins to go up and never stops! They have the audacity to begin violating RESPA before they ever even own the loan! 
This continues on the balance sheet and the loan is sold to XXXX XXXX yet they do not know exactly WHEN they take over Servicing the loan because they are so corrupt. I file a complaint with the AZ DFI and they response that they start Servicing the loan, " On or around XX/XX/XXXX '', but oops, it is in XX/XX/XXXX according to all actual records! Why? Because I begin questioning their accounting ( XXXX XXXX at the time ) and they must have gotten worried and paid someone to record the Deed transfer in XX/XX/XXXX but forgot about this I guess? Who knows but the CFPB doesn't want to do anything about it. They just keep on closing my complaints. ) I make payments on time to my mortgage throughout XX/XX/XXXX and XX/XX/XXXX and their records, try as we could, can not match the dates the checks were cashed by them and when they were paid and they will not correct their errors and remove them from my account. Their only interest is foreclosing on my house and in order for me to stop them from doing this I had no choice but to file for an injunction against them in court. This madness has to stop and I will keep filing complaints until it does. 
The letter sent to me by them in response to me complaints says, " You have a right to request documentation supporting that no error has occurred '' yet they refuse to supply documentation and just keep on sending the same documents that show that multiple errors HAVE occurred and writing lies and no one at the CFPB looks at them. I had no idea that our tax dollars were going to an online blog and no one even works here! I need to get a job here so I can have the health benefits too because they are doing a better job investigating these predators at the other agencies. DO YOUR JOB AND GO AFTER THESE CROOKS OR JUST MAKE THEM DOCUMENT EVERY SINGLE LINE ITEM ON THE MORTGAGE STATEMENT WITH FACTS, INVOICES, AND PROOF JUST LIKE YOU ARE FORCING THE CONSUMER TO DO IN ORDER TO GET SOME RELIEF.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were Verified Come with the receipts, or be quick to delete.
Product: Credit reporting or other personal consumer reports

Amex has been reporting an account to my credit for a long time. It was not until this year that I was made aware of it being in Identity Theft issue. I have and will attache the police report the FTC report and proof of my ID. I have called Amex and they told me that this was a company account and that they have me listed as the owner, I was not nor have I ever been the owner of any company. I have only ever gotten XXXX pice of mail from them and that was after I started the ID theft claim. I have given them all the of the attached reports but they dont care. They have responded the the credit agencies that they show payments on the account made from a chase account. I have not do not will not bank with XXXX bank. someone stole me information and used it and now Amex wants me to pay it. I can not keep getting denied for credit because of this account reporting negative on my credit.
Product: Student loan

I paid EdFinancial, my XXXX Loan Servicer, my payment due amount of XXXX on XX/XX/2023 and XX/XX/2023. To date, those payments have not been applied. 

I provided proof of payment on or about XX/XX/2023 for the XX/XX/2023 payment, and then proof for both payments again on or about XX/XX/2023. 

Both payments were debited from my bank account as expected.

I've received no correspondence from them on the matter, other than a 30 past due notice, which is false.
Product: Checking or savings account

I had a fraud discrepancy with Bank of America in the beginning of 2019 ; I went to the bank for help but they shut my account down and marked it on my XXXX XXXX as fraud. Now I tried speaking to them but only could help if I currently have an account.