23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing ( SPS ) received a Request for Mortgage Assistance ( RMA ) from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. The RMA required my first payment in XX/XX/XXXX in the amount of XXXX, I made the payment, but could not pay any other bills, the second payment was in XXXX in the amount of XXXX the principal. When I tried to make the third payment SPS closed my access to the customer portal and I could not make any other payments, SPS immediately forwarded my property to the foreclosing attorney. They scheduled the foreclosure for XX/XX/XXXX. I told them the XXXX was too high and I needed them to give me a more affordable payment plan. Instead they sent me a repayment plan for XXXX more than what I was paying this is bad faith, unfair dealing and unconscionable contract. I have received ( XXXX ) foreclosure notices and a higher monthly mortgage payment. I know that SPS can give me a more affordable in-house mortgage. 
I have conveyed to SPS, that I do not desire to lose my home of XXXX years. And for this reason I am in need of your assistance in getting a stop to the foreclosure and affordable monthly payment. 

I went into the notices in the customer portal and found a notice where SPS stopped all further Foreclosure proceedings, until further notice. But I still do not have an affordable monthly house payment. My house payment was only XXXX, now they have it at XXXX two-thousand dollar per month increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my experion credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called XXXX XXXX XXXX after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from XXXX XXXX XXXX that says to call the credit bureaus! XXXX XXXX XXXX  reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..
Product: Mortgage

In 2004 we refinanced our home with XXXX XXXX XXXX dba XXXX XXXX XXXX. The note and deed of trust were immediately purchased by XXXX XXXX. The total amount of the loan was {$310000.00}. 

We have been paying on this loan but apparently XXXX XXXX   never received the payments so we have requested an accounting to be done on the loan and are waiting. Please see attached request for leave from the XXXX Circuit Federal Court of Appeals. 

We expect to see all books and documents regarding this loan.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payments XXXX XXXX Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX account ( # XXXX ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on Equifax and XX/XX/XXXX ( 30 days late ) on both XXXX and XXXX. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX Equifax : 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 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ). 
Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency. 
If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account. 
Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I've subscribed to XXXX grocery for years. Chose 2 % groceries reward. Only get 1 %. US Bank says it's merchant 's fault. Says up to merchant to say it's for groceries. US Bank 's own website says XXXX qualifies for grocery rewards. I think people are owed millions in rewards they are not getting no matter if it's US Bank 's fault or the merchants. 

I even asked US Bank what would happen if I bought groceries from XXXX XXXX and they said they wouldn't know until after I made a purchase to see how the merchant described my purchase. Ridiculous! 

People are getting screwed and I'm surprised a law firm has not started a class action over this.
Product: Debt collection

Hi ERC / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice of a cyber-security breach from Equifax. I following a step-by-step instructional to see if I was a potential victim of the security breach and the result returned a true response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.
Product: Student loan

I 've never been approached with any options to lower my payments or interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, equifax, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Product: Debt collection

Try to pay it but sent to collections Account number XXXX Collection opened XX/XX/XXXX Account type Open account Balance Loan Amount {$94.00} - Payment Info Original loan amount - Balance {$94.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

I currently have a section 8 tenant which the government deposit the rent into a cashpay account. While trying to long into the account it requested the email attached to this account and it provide a email that I did not authorize. I tried on several occasion to address it to the Bank of America customer service to why this email was attached to my account and they can supply an answer and I was given many people to speak to with no answer. The question was why did my own private account have an unauthorized email to answer my personal information.,
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the equifax data breach I want these items deleted from my credit report effective immediately iam attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal accounts from my credit report
Product: Vehicle loan or lease

Global Lending Services is reporting inaccurate information to the credit bureaus. This erroneous information is costing me time, money and energy to correct. This account has always been paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a online application for a line of credit with XXXX XXXX I did not receive any confirmation of my application I called XXXX XXXX I called the company and they could not find my application in thier system even after taking my SS # and date of birth. 
I then get an email that I was turned down for a loan that was never processed in the system and they did some kind of verification through Clarity Services in Florida they refused to give me a credit report. The information on the email just said " Hi '' and that I was turned down due to bad credit income not in good standing and many collections. Since this Clarity Services was suppose to be a Experian subsidiary when I checked my report with Experian which I do often due to a " paid '' account I have with them none of this negative information is true and the they had not check my information the company XXXX  still could not find me in their system and the report was very inaccurate. After looking up XXXX they have a " F '' on XXXX  and a rating of 1. on XXXX XXXX  I want this company to not only send me a report but also explain how you gon na send me a email on a non existent application. I do not need my credit damaged by a false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the XXXX XXXX reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting 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 ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I, XXXX XXXX XXXX was approved for a vehicle loan with my bank ( USAA ) and it was transferred to a dealership that was found online in XXXX   and USAA stated " they looked up their dealer license and was recognized by the DMV '' I am an XXXX XXXX military member living in XXXX  XXXX. on the XXXX of XXXX was the last I had heard from XXXX XXXX ( the dealer ) as he stated " the transport vehicle had a flat tire and I am figuring out the status myself '' I since then his phone number has been disconnected. and I have not received a vehicle, USAA did not receive a title and USAA said that " we are sorry but you are stuck with the loan ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NEVER LATE ON THIS ACCOUNT!!
Product: Debt collection

TODAYS DATE : XX/XX/XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month XXXX XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX   who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from XXXX XXXX XXXX XXXX XXXX for {$1400.00}, XXXX XXXX   hasn't even validated nor responded to my initial dispute from XX/XX/XXXX2017. As you can see, they won't respond to the XXXX XXXX XXXX of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the GAP insurance purchased at the time of the vehicle purchase on XX/XX/2019. The GAP insurance was refunded at a prorated amount due to the cancellation of the contract as a result of Exeter and their unwarranted repossession. It is obvious that either the selling dealership or Exeter has failed to include the GAP insurance refund in the so-called unpaid balance following the auctioning of my XXXX. The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.