23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts 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 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: Debt collection

To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGEMENT LLC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGEMENT LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGEMENT LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGEMENT LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGEMENT LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGEMENT LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

THIS COMPLAINT IS AN EXTENSION TO A PREVIOUS COMPLAINT FILED REGARDING MY SHORT SALE WITH MY MORTGAGE COMPANY AND THERE NON COMMUNICATION WITH ME REGARDING THE PROCESS AND PROCEDURES FOR LOSS MITIGATION. MY COMPLAINT WAS NOT ANSWERED IN A SATISFACTORY MATTER BUT IT DID PROMPT THE COMPANY TO AT LEAST RETURN MY CALLS REGARDING MY SHORT SALE. I HAD BEEN TRYING TO SALE MY HOME WITH A REAL ESTATE AGENT AT NO PROFIT FOR 2 YEARS PRIOR TO APPLYING FOR A SHORT SALE WITH NO LUCK. AT THE TIME OF MY FIRST COMPLAINT I HAD A VERY GOOD OFFER FOR {$160000.00} AND MY PAYOFF FOR MY 1ST MORTGAGE WAS {$140000.00} WITH A 2ND MORTGAGE LIEN OF XXXX AND ANOTHER HEAT PUMP LIEN OF XXXX. I WAS NOT GETTING ANY RESPONSE FROM MY 1ST MORTGAGE COMPANY AT ALL REGARDING THE SHORT SALE. MYSELF AND MY REAL ESTATE AGENT WERE CALLING EVERYDAY. ALL OF OUR PAPERWORK WAS IN AND NO ONE WOULD RETURN OUR CALLS UNTIL I FILED THE COMPLAINT. ONCE THE COMPLAINT WAS FILED THEY RETURNED OUR CALLS BUT STILL DRUG OUT THE PROCESS AND WOULD NOT ACCEPT OUR OFFERS SO WE LOST OUR BUYERS. SINCE THAT OFFER WE HAVE NOT HAD ANYTHING CLOSE TO THAT OFFER AND NOW AGAIN THE MORTGAGE COMPANY WILL NOT RETURN ANY CALLS ON ANY OF THE SUBSEQUENT OFFERS AND EVERYONE SUBMITTING OFFERS ARE WALKING AWAY BECAUSE THEY DO NOT WANT TO WAIT WITH NO RESPONSE FROM MY MORTGAGE COMPANY. I AM NOT IN GOOD HEALTH AND CAN NOT HANDLE THE STRESS THAT THE MORTGAGE COMPANY IS PUTTING ME THROUGH FOR THE SHORT SALE OF MY HOME. I HAVE APPLIED FOR A DEED IN LIEU INSTEAD OF A SHORT SALE AND HAVE SUBMITTED ALL OF THE PAPERWORK THAT THEY HAVE ASKED OF ME. I NEED HELP TO GET THIS PROCESS COMPLETE AND I DEFINATELY NEED THE MORTGAGE COMPANY TO CONTACT ME BACK TO EXPLAIN THE PROCESS AND MOVE QUICKLY TO GET THIS APPROVED AND COMPLETED SINCE THEY HAVE CAUSED ME SO MUCH GRIEF WITH LITTLE TO NO ASSISTANCE IN REGARD TO THE PROCESS IN MY STATE. I FEEL THAT I HAVE LOST SEVERAL RESPECTABLE OFFERS ON THE SALE OF MY HOME DUE TO THE NEGLIGENCE OF THE MORTGAGE COMPANY AND THAT IT IS THE DUTY OF THE MORTGAGE COMPANY TO FOLLOW THROUGH AND WORK DILEGENTY TO APPROVE THE DEED IN LIEU SINCE THE OFFER OF XXXX WAS LOST DUE TO THEIR LACK OF WORK ETHIC IN THIS MATTER. ALSO ON MY LAST BILL THERE WERE CHARGES FOR " REPAIRS '' TO MY HOME THAT WERE EQUAL TO ALMOST {$500.00}. WHEN I CALLED TO INQUIRE ABOUT THESE CHARGES I WAS TOLD THAT IT WAS FOR WINTERING THE HOME, MOWING THE LAWNS AND RE-KEYING THE HOME. I EXPLAINED THAT THIS WAS NOT TRUE SINCE I WAS STILL PAYING THE WATER BILL, WATER STILL RUNNING THROUGOUT HOME, NEIGHBOR WAS MOWING LAWN AND REALTORS STILL SHOWING HOME WITH SAME KEY. THE CUSTOMER SERVICE DID NOT HAVE THE ANSWER FOR ME. VERY UNETHICAL. I NEED ANSWERS. ALSO THE MORTGAGE COMPANY TOLD POWER COMPANY BACK IN XXXX THAT MY HOME WAS IN FORECLOSURE AND THEY TOOK OVER MY POWER BILL. I FOUND THIS OUT WHEN I WENT TO PAY BILL. MY HOME IS NOT IN FORECLOSURE AND NOT EVEN PRE-FORECLOSURE. AGAIN, NO ANSWERS WHEN I ASKED MORTGAGE COMPANY ABOUT THIS!.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a listed accounts here : 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 XX/XX/XXXX Erroneous address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Erroneous Name ( XXXX ) : XXXX, XXXX, XXXX because laws said one name, one address and one email or birthday so there is two names in my consumer report so it has to be one got ta go so it can't be commons like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX XXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT EQUIFAX. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.
Product: Mortgage

I am refinancing my loan with TIAA Bank. They have had the loan for 15 years and I am just looking for a rate and term refi. In the 15 years I never had a late payment. 

The appraisal came in and I have a 60 % LTV, and a DTI of 30 %. They have taken about {$900.00} for fees and seems to have done everything they just keep stalling closing -- and they don't explain or respond to any emails. 

This feels like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting two different collections accounts as something different. They are listing themselves as a factoring company on one account and listed the account as open on another. They also stated that a payment was made in XX/XX/XXXX and a payment was NEVER made to this company. This is after I disputed the information with the credit bureas and they said every thing is correct. They continually change dates and remove accounts and put them back on a few months later. Now they are listing as factoring company and open accounts and they are both collection accounts.

XXXX XXXX XXXX XXXX SSN : XXX-XX-XXXX PORTFOLIO RECOV ASSOC XXXX XXXX Account Number XXXX  XXXX Account Type Factoring Company Collection Account Account Status Closed Open Payment Status Derogatory Account Balance {$570.00} {$570.00} Balance Date XX/XX/XXXXXX/XX/XXXX High Balance Business Type N/A N/A Classification Factoring Company Collection Account Company Sold to N/A N/A Date Opened XX/XX/XXXX XX/XX/XXXX Limit {$0.00} $ 0 Monthly Payment {$0.00} {$0.00} Percentage of Credit Used Terms N/A N/A Amount Past Due {$570.00} {$0.00} Responsibility Individual Individual Original Amount $ - - Original Creditor N/A N/A Date Last Reported XX/XX/XXXXXX/XX/XXXX Date of Last Payment XX/XX/XXXXXX/XX/XXXX Date Last Active XX/XX/XXXXXX/XX/XXXX Comments Seriously past due Dispute resolved ; date / assigned to customer disagrees attorney, collection agency, or credit grantor 's internal collection department Remarks Subscriber reports dispute resolved - consumer disagrees POR TFOLIO R ECOVER Y A XXXX Account Number XXXX -XXXXXXXXXXXXXX Account Type Open Account Account Status Unknown Payment Status Unknown Account Balance {$570.00} Balance DateXX/XX/XXXX High Balance {$570.00} Business Type N/A Classification Open Account Company Sold to N/A Date Opened XX/XX/XXXXLimit $ 0 Monthly Payment {$0.00} Percentage of Credit Used Terms N/A Amount Past Due {$570.00} Responsibility Individual Original Amount - - - Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX Comments Remarks COLLECTION ACCOUNT
Product: Debt collection

I received a second call today from a XXXX, claiming to work for Absolute Collections, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( information I got from their website ), and claiming to represent XXXX, a pay day-type lender located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( also website ). 
XXXX called on my cell personal cell, looking to collect on a loan supposedly made by XXXX to my wife, the repayment of which, after several delinquency charges, totaled several thousand dollars. My wife has never borrowed cash money ( other than as co-signer on our home mortgages ), and has never heard of XXXX. 
Neither my wife or I have ever received any money from XXXX, nor any written correspondence from XXXX or Absolute Collections. I dispute any claims they make.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019-XX/XX/2019 
XXXX XXXX  XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple errors on the payment history of XXXX of my accounts, specifically with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). The report falsely shows a late payment for XX/XX/2023 and XX/XX/2023, even though I paid on time, which is both misleading and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It is impossible for an account to be 120 days late XXXX consecutive months without a prior progression, proving this is an error that has not been properly investigated despite my repeated attempts to have it corrected. This inaccurate information is falsely manipulating my creditworthiness, harming my ability to obtain credit, and causing undue financial distress. The continued presence of this error after multiple investigations demonstrates a failure by Transunion to fulfill its legal obligations, and this neglect is directly damaging my financial reputation. I am demanding the immediate deletion of this account to rectify this egregious oversight and restore accuracy to my credit report. Thank you for resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Selene Finance. I have been trying to get the company to send XXXX the needed information so that XXXX  could actually close the account. I have had over 20 phone conversations with representatives and supervisors. I am constantly explaining the process of what I need them to do. I have been dealing with Selene Finance since XX/XX/XXXX. 
Selene Finance told me that they had sent XXXX  the information in XX/XX/XXXX. XXXX  said they did not receive any information from Selene Finance stating the account had been closed I asked could they resend the information and I was told no. I then asked could I get the information sent to me via email. I was told that email would take up to 7 days to get to me. They told me the only way I could get the information faster was through mail. I waited several days for the mail but never received anything. I called Selene and told them that I did not receive the letter. They found out that they sent it to the wrong address. They sent it to the property address and not the mailing address. This was upsetting because we have not owned the home since XX/XX/XXXX. After putting me on hold, they sent me the letter within a few minutes. This was upsetting because it is evident I could have received this email the same day I requested it. I asked them if they could send the information to XXXX  and was told I should send the letter they sent me over to XXXX  and that should take care of the issue. 
Selene Finance has constantly refused to send the document they sent me to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report from all three bureaus, including XXXX, XXXX and Experian I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX XXXX XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as XXXX, XXXX and Experian to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

XXXX XXXX is still reporting to Transunion and XXXX ( only these two ) an erroneous and inaccurate collections on my credit reports for a collection of {$310.00}. This debt is inaccurate and doesnt belong to me. XXXX agreed on the matter and verbally promised to remove the inaccurate collection from all three credit bureaus on XXXXXXXX XXXX via phone call from my XXXX XXXX XXXX phone number XXXX. Its still showing up on Transunion and XXXX Credit Reports. Please help me remove this from these two credit bureaus as this is impacting my ability to pursue job applications and further credit endeavors. XXXX adjustment, Transunion, and XXXX are not treating me fairly in my ability to pursue consumer credit. See below law. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX I keep getting calls from this number claiming I owe them money and are taking me to court. Ive NEVER taken out or received a pay day loan. They can not tell me when the loan was taken out ( XXXX ), how much its for, where it was secured. The current balance they claim is {$1000.00}. They sent me an email saying it was being dropped. Then a month later start up with the calls again.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding my consumer credit report. Upon reviewing the report, I have identified instances of late payments that have been reported without proper notice, as mandated by 15 U.S.C. 1666b. I would like to draw your attention to the following accounts that are reflecting late payments : XXXX. XXXX XXXX XXXX XXXX 30/60 days reporting XXXX. XXXX. XXXX XXXX Acct XXXX XXXX ] : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 30 days late XXXX. XXXX XXXX Acct XXXX 30 days XX/XX/XXXX XXXX. XXXX XXXX Acct XXXX XX/XX/2022 30 days According to 15 U.S.C. 1666b, consumers are entitled to receive notice of negative information being reported to a credit bureau before it is included in their credit report. In this case, I have not received any such notice, and the inclusion of these late payments on my credit report is a clear violation of my rights under this statute. I am formally requesting the following actions : 1. Immediate investigation into the lack of notice for the reported late payments. 2. Verification of compliance with 15 U.S.C. 1666b by the entities reporting this information. 3. removal of the late payments from my credit report. 

I expect a thorough and prompt resolution to this matter to ensure that my credit report accurately reflects my financial history and to prevent any undue harm to my creditworthiness. Please provide confirmation of the initiation of the investigation and an estimated timeline for resolution. Additionally, I request a free copy of my updated credit report upon the completion of the investigation. Your immediate attention to this issue is appreciated. Failure to address this matter within a reasonable timeframe may compel me to pursue legal remedies to protect my rights under federal law.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX Balance : {$820.00} XXXX  XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX the irs deposited my federal tax refund in local bank and the financial institution kept my return
Product: Mortgage

My loan was transferred to company.

Company issued two insurance escrow payments to incorrect address. I paid the insurance premiums myself for past two years and provided proof of payment.

Company support team members unable to offer assistance keep transferring me and providing no help. Opened 3 support tickets on website that the company closed with providing no help. I sent them proof of payment and requested this year to not send payment to insurance company. Still sent payment to wrong address/lost payment. 

XX/XX/XXXX {$580.00} insurance escrow mailed to unknown location XX/XX/XXXX {$540.00} insurance escrow mailed to unknown location Company transferred my mortgage to another lender providing no support. 

XXXX shows numerous complaints about company improperly managing escrow payments. https : XXXX