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

I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. I previously sent certified mail requesting verification and validation of this account ; however, I have not received any response or documentation from your agency. I am now formally requesting clarification regarding the ownership of this account, as it appears to be pursued under different names, moving from primary ownership to trust and now to Sunrise. This raises significant concerns about the legitimacy of your collection efforts and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I also request validation and a detailed description of the procedures used in your investigations along the documents completed after the investigation. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to send me this documentation within 15 days. If you are unable to provide the necessary verification, I expect the account to be deleted from my credit report. I urge you to address this matter as soon as possible and look forward to your prompt response.
Product: Vehicle loan or lease

Interest rate is high Ive had the Loan with XXXX XXXX since XX/XX/year> and still paying same amount
Product: Mortgage

I received a letter from United Wholesale Mortgage on XX/XX/2020. This letter advised me of transfer of servicing to XXXX XXXX. I havent received any notification from XXXX XXXX. This is in violation of the notification process. I have a VA loan that has never been delinquent. In this letter it advises me that transfer will be effective XX/XX/2020. I normally make payment on the last day of the month and am concerned that when I make payment to UWM that the XXXX payment will get lost in transfer making my new account with XXXX XXXX. Late. I have done research on XXXX XXXX. They have the worst rating of service in the Mortgage industry and have hundreds of complaints that have given me concern. As a Veteran Consumer it is absolutely the worst fear I have to lose my excellent payment record. 

This company XXXX XXXX must be investigated for all the difficulties that have been complained about.
Product: Debt collection

I recently had a phone line added to my house. Immediately after being installed we began getting calls from Navient. After repeatedly calling them and asking them to stop and that I am not the person they are trying to call I keep getting contacted. Now they are using a private caller ID instead of Navient. Problem has been so bad that I had to disconnect phone so it does not wake up my kids every night.
Product: Mortgage

The XXXX XXXX said that they were changing their name and the Lady name XXXX XXXX didn't take our payment because she specified that they were changing names and to pay our rent to the new company would be accepting our payment but when the new company took over we end up being late to the new company but it was the XXXX lady fault so i just moved out because i could pay no double rent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX card violations attached XXXX   taking more than 30 days engage in unfair, deceptive, abusive, or other practices that violate the statute. FDCPA 814, 15 U.S.C. 1692l. Under the FTC Act, the FTC may investigate and take law enforcement action against entities that, in connection with collecting on debts, engage in unfair or deceptive acts and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit reporting

XXXX, XXXX and XXXX were all previously deleted and then reinserted into my file.
Product: Credit reporting or other personal consumer reports

Covington credit $ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX $ XXXX XXXX $ XXXX.These accounts do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : On or about XX/XX/2022, I sent a dispute letter ( see attached ) to Experian requesting they delete certain items and send me an updated credit report reflecting that, those items where deleted. On or about XX/XX/2022, Experian responded in a letter ( attached ) an XXXX the bankruptcy was verified and refused to remove the erroneous bankruptcy and refused to provide me with an update credit report showing the bankruptcy was removed. I am being harmed by Experian 's actions and I requesting immediate assistance before this causes me irreparable harm. 

On or about XX/XX/2022, I sent a dispute letter to XXXX and requested they remove the erroneous bankruptcy and other false reporting items. XXXX REMOVED the bankruptcy and corrected other various as requested. The bankruptcy court DID NOT verify a bankruptcy with XXXX, however Experian is ALLEGING that the bankruptcy court verified the bankruptcy with their agency and refuse to supply me with the verifiable proof.
Product: Credit reporting or other personal consumer reports

inquiries from experian and XXXX i did not authorize global lendng service XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Seterus, Inc filed a false report with the XXXX major credit bureaus indicating that my XXXX 2015 mortgage was late when in fact they received the total loan payoff on XXXX XXXX, 2015. It should be noted that late fees are not assessed until the XXXX of each as per the terms and conditions of our contract. I am unable to secure a mortgage for my new home because of their actions.
Product: Debt collection

I continue to receive phone calls that are automated requests seeking debt collection for my sister. My sister does not live with me in  XXXX , TX. I initially passed this information along to the collection agency, but they have n't stopped calling me. The latest phone call was today,  XXXX   XXXX ,   XXXX  , and I receive about  XXXX  calls a week unless I call back to complain. Then they do n't call me for another  XXXX  weeks before it 's   XXXX   times a week until I call them back, repeat and do it again.     The phone number calling me is  XXXX   XXXX . The lawyer in charge of this account is named  XXXX   XXXX . He is a smarmy  XXXX  who thinks that since an automated system is calling me, and not  XXXX   XXXX  himself, that he should n't respond to my requests that he stop harassing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX & XXXX XX/XX/year> Dear Sir/Madam, I am writing to dispute the validity of the debt you are attempting to collect from me. I am aware that under the Fair Debt Collection Practices Act ( 15 USC 6801 ), I have the right to request validation of the debt and to dispute any inaccuracies. I am also aware that under the same act, debt collectors are required to provide me with certain information regarding the debt.

I have not received any verification of this debt from your agency, nor have I been provided with any documentation proving that I owe this debt. Furthermore, I have not been provided with the required notice of my rights under the Fair Debt Collection Practices Act, as mandated by law ( 15 USC 6802 ). 

I am requesting that you cease all collection activities until you can provide me with the necessary verification of the debt and documentation proving that I owe this debt. Failure to comply with these requests will result in further legal action being taken against your agency. 

I expect a prompt response to this letter and a resolution to this matter. Please provide me with the requested documentation within XXXX days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a FHA mortgage. I applied for a CARES ACT COVID-19 Deferment sbd was approved by Arvest Bank . I also applied for an extension. Arvest Bank reported my account as being delinquent to XXXX despite the CARES Act prohibiting the negative reporting. They will not remove the negative rating from my credit file.
Product: Money transfer, virtual currency, or money service

I had a wire transfer done to a bank in XXXX ... It has been 21 days and the money has not made it into the account.. My bank just gives me excuse after excuse ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. XXXX, Transunion, XXXX and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.
Product: Payday loan, title loan, or personal loan

I recently filed a complaint against XXXX after attempting to resolve a balance owed after spending and extended amount of time in a XXXX XXXX XXXX. I called the company multiple times to attempt to resolve the past due amount with no response from the company. The day after I filed a complaint I received an email stating that XXXX sold the loan to Crown Asset Management on XX/XX/XXXX. I attempted to contact Crown Asset Management on two occasions and was not able to get anyone on the phone or a return phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would like to be added to the XXXX XXXX XXXX action suit. I have been charged continuously on overdraft fees and return check fees and I don't write checks. If the system is updated at the time of the debit this wouldn't occur.
Product: Credit card

I can't believe you guys are taking advantage of me. I AM EXTREMELY UPSET The credit bureaus have not responded back to me about my investigation. This is a Very Serious Matter. On XX/XX/XXXX and XX/XX/XXXX I Disputed the accounts and on XX/XX/year> I filed Complaint Number XXXX with the CFPB about inaccurate, unverifiable and fraudulent accounts that are reporting to my Credit Report. I've done XXXX disputes with them and consistently have been ignored and made to feel as if my situation doesn't warrant the same treatment as others. 

I need these accounts that aren't mine to be removed from my credit report immediately! It's been more than 30 days and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I provided in my letters I am asking you to DELETE expeditiously or I will have to file Litigation due to the stress that has been caused to me. 

Attached is a copy of my DL, SS Card, Utility Bill, Notarized Identity Theft Affidavit, Police Report, and Notarized Affidavit of Truth. 

I also submitted this letter to my State Attorney General Office and XXXX XXXX XXXX XXXX and by Certified Mail to your Registered Agent to have confirmation of proof of delivery.
Product: Mortgage

The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. 

Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. 


On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? 
Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. 

From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. 

Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. XXXX of : XXXX XXXX XXXX, XXXX of : XXXX XXXX and another of : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of DisputeXXXX Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Product: Mortgage

My mortgage payment is fully amortize. taxes and insurance included in payment. Year after year the lender disburses the payment for the property taxes and for the fire insurance. These payments are collected from me every month and are placed in an escrow account. However, this year, I received a phone call from XXXX XXXXXXXX XXXX stating they had not received the payment from Select Portofolio Servicing. Before the insurance expired and due the the failure of Select Portofolio Servicing in making the payment, I went on line and made the payment directly to California XXXX plan. 
Now i received a bill from and insurance company called XXXX XXXX XXXX XXXX for {$1000.00} dollars that was placed by Select Portofolio Servicing. 
This is dishonest and unacceptable. NOT ONLY SELECT PORTOFOLIO SERVICING FAILED TO MAKE THE PAYMENT BUT THEY NOW PLACED A COMPANY WITHOUT THE NECESSITY WHEN I MADE THE PAYMENT DIRECTLY TO CXXXX XXXX XXXX DUE TO THEIR FAILURE TO PAY THE INSURANCE COMPANY.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) protects consumers by regulating how credit reporting agencies ( CRAs ) collect and use personal information. CRAs include credit bureaus, medical information companies, and tenant screening services. The FCRA also gives consumers certain rights, such as : Limited access Only people or companies with a specific purpose can access your credit report.

Dispute resolution Credit bureaus must investigate disputed information and correct or delete inaccurate information within 30 days.

Free copies You are entitled to at least one free copy of your credit report each year. 
Data security CRAs must follow " reasonable procedures '' to protect the confidentiality of your information. This includes data security, use limitations, and requirements for data destruction. 
Notification You have the right to be notified if a financial institution plans to submit negative information to a CRA. 15 usc 1692g dispute debt claim 15 usc 1692a-n fair debt collection act. Privacy Act of 1974. 18 usc 241 rights under color of the law.TILA LAW -This law requires a creditor to disclose certain information in writing regarding the terms of a credit transaction. The two main types of TILA violations that can provide relief to borrowers when a creditor doesn't adhere to the law are violations for damages and violations that allow rescission. Which I have rescinded this contract and my signature if there is 1 I didn't sign it the company forge my signature.