23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I want to formally file a complaint regarding the handling of my mortgage account and the recent changes in payment policies by my mortgage servicer, which have placed me at risk of foreclosure despite my efforts to remain current. 
For the past two years, I have been making consistent monthly payments to prevent my mortgage from falling further behind and potentially going into foreclosure. Despite my efforts, I am now facing the threat of foreclosure due to unexpected changes in my mortgage servicer 's payment acceptance policy. 
I have been making monthly payments to keep my mortgage within 89 days past due, as advised by the servicer. I was assured that as long as I did not exceed 89 days past due, I could continue making payments and work towards catching up on my account. Additionally, I was informed that any late fees could be addressed later, once the account was brought current. However, on XX/XX/year>, I attempted to make my regular monthly payment and was informed that their policy had changed in XXXX. I was told that I now must make at least two payments at once, or my payment would not be accepted. This sudden change puts my account at 87 days past due, and without accepting my payment, it will exceed 90 days past due, triggering foreclosure proceedings. I was never informed of this change, despite having made payments in XXXX and XXXX. When I asked why I was not notified, one representative stated that the company is not required to inform me since my mortgage was past due, while another apologized for the oversight. A third representative attempted to locate documentation regarding the change but was unable to find any. 
This lack of communication and refusal to accept my payment leaves me feeling as though I am being intentionally pushed into foreclosure. I have expressed my willingness to continue making payments and even apply for assistance to bring my account current, yet I was denied any resolution. Instead, I was told that a representative would contact me next week, which will be too late to prevent foreclosure. 
I am requesting the following : 1. Investigation into the mortgage servicer 's sudden policy change and lack of notice provided to customers.

2. Immediate intervention to require the servicer to accept my payment and prevent foreclosure while I work to bring my account current.

3. Clarification regarding my rights as a consumer and available assistance programs to help resolve this issue.

This situation has caused me significant emotional distress, and I feel my attempts to responsibly manage my mortgage are being disregarded. I am hopeful for a prompt investigation and resolution to this matter to avoid the devastating outcome of foreclosure.

Thank you for your attention to this urgent issue. I look forward to hearing from you immediately to resolve this matter.
Product: Debt collection

Continue to get call regarding a payday loan debt which I never took out. They continue to harass despite a request for a validation of debt. They also have started calling my family
Product: Checking or savings account

I deposited a check from XXXX XXXX XXXX XXXX via mobile deposit to my credit karma account. After chatting with a representative and calling a supervisor I have been told my funds will not be available until XX/XX/XXXX which is a week after I deposited the check. On credit karmas website it states While deposited checks are generally available in your account the following business day for the first {$220.00} and the business day after that for the remaining balance, there are some exceptions. Several types of checks will be available in full the following business day, rather than only in part. 
Those checks include the following : Checks from the XXXXXXXX XXXX  XXXX orders Checks from the Federal Reserve XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX from state or local governments Cashier 's checks I have attached the information from the website and the correspondence email I received from XXXX a supervisor at credit karma. 

This is false information given to the consumer
Product: Credit reporting or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Medcredit it called a week ago for a debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX so I XXXX several version. Nothing in my state or area. Mostly in XXXX and nothing familiar to me. I called the number and told them I did not know XXXX XXXX XXXX. She said thank you and hung up. Odd I thought. 
Received another call - Came in with no caller ID, no number. Left similar automated message. I called back. Gave them my name and phone number. They started to ask for personal data. Address, date of birth... I said I was not comfortable supplying personal data and please let me know the location of XXXX XXXX XXXX because I have received nothing from them, no them or received anything from MediCredit. She refused to share any of that data without my personal data. I explained I do not know you, no caller ID and you could be anyone. Now I am calling them back with XXXX details from the phone they called. Seems that is all they should need. She refused to give me any further information. I again explained, I want to clear this matter up. She refused my request without giving them personal data. She refused to give me the business address, just a billinb address. I am stuck here with no resolution.
Product: Debt collection

I am trying to understand why is the loan in closed status on my consumer report then says current which is impacting my consumer report in a negative manner. The Dep of ed/advantage has already discharged the debt via 1099c. I am now demanding that Dept Of ed/aidvantage to properly remit 1099c so that I can properly file my taxes. I am demanding that the dep of ed/aidvantage send me a copy of the 1099c b for the debtor documentation because they have already transferred documentation over to the treasury. Also i am demanding that dep of ed /aidvantage contact all 3 consumer reporting agencies and update the status of my consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capitol Services L.P. is attempting to collect on an alleged debt on behalf of LVNV Funding LLC. LVNV Funding is reporting a charge off on my consumer report for the amount of {$630.00}. 

As defined by the IRS, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income AND File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of {$600.00} or more. 
They are also supposed to provide me with a copy of the 1099c form showing that the debt was charged off so I would be able to report the income on my taxes but I never received a 1099c from the alleged Original Creditor XXXX XXXX XXXX, Resurgent Capitol Services L.P or LVNV Funding .... 

The IRS also clearly states that a canceled debt or charge off is income, which is considered " ordinary income '' but is being reported as debt on my consumer report which is inaccurate and illegal. Pursuant to 15 USC 1681 s-2 states that Resurgent Capitol Services L.P. is a furnisher of information to a consumer reporting agency. and is prohibited by law to furnish inaccurate information. 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 the information is inaccurate. 

I demanded this information to be deleted from my consumer report but they are still reporting this without proof of my 1099c form.. From my understanding LVNV Funding LLC , Resurgent Capitol Services and XXXX XXXX XXXX are all under violation of the FDCPA and IRS.
Product: Prepaid card

American Express Serve locked my account in XXXX, 2024 and has refused to close my account or refund my balance despite XXXX phone calls XXXX letters and XXXX certified letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is i HAVE repeatedly asked for proof of claim or documentation for the alleged accounts on my credit report.

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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, which is {$1000.00} per violation and the state of OH, allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  is held liable as well for defamation and in the state of OH a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX ) citingXXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XX/XX/XXXX writ dism 'd w.o.j. ) I also believe that this business is not registered to operate in the state of OHIO.

I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting

Around the end of XXXX beginning of XXXX As all inquiries were removed from my TransUnion credit report. However upon rechecking my credit report I currently have multiple credit inquiries where there should only be XXXX that I recently acquired. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Product: Prepaid card

I spoke with XXXX at American Express gift card customer care at XXXX on XX/XX/year>. I explained that I received an {$800.00} American Express digital gift card from my employer. I've been trying to use it at online merchants that accept American Express, but the gift card hasn't worked at the majority of those merchants. XXXX advised that I can't attach my name and address to the card ( in a attempt to avoid getting flagged for fraud ), and AMEX can't mail a physical card to me. I'm unable to use hundreds of dollars where I need to use them, and their website falsely advertise that the gift cards can be used anywhere that accepts AMEX. Customer care can't offer me a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent a dispute to Experian credit reporting. That the account XXXX was intact being reported as inaccurate. The company first reported as inaccurate. Account was sold to a credit collections company who agreed once payment was rendered account would be deleted. Account no longer belonged to XXXX. XXXX now is reporting account on my credit report inaccurately. Experian has failed to provide proof of dispute results and how account information was verified. According to FCRA Once your debt has been sold to a debt purchaser you owe them the money, not the original creditor.The debt purchaser must follow the same rules as your original creditor when they collect the debt, and you keep all the same legal rights. Therefore XXXX is reporting this debt inaccurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letters have been sent requesting they be removed. I did not authorize them and the ones listed below do not belong to me.

XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public record listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Equifax failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute via CFPB portal notifying LEXISNEXIS of the inaccurate information being furnished on my consumer report as a result of identity theft. On XX/XX/XXXX LEXISNEXIS responded stating the inaccurate items would be suppressed and the other information in my dispute was not currently on my consumer report. After reviewing my most recent consumer report on XXXX  it reflects all of the inaccurate information I disputed is currently being furnished on my consumer report. LEXISNEXIS has breached their fiduciary duties for failing to remove the inaccurate information resulting from Identity Theft. Again, I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. Name ( s ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX  ; Address - XXXX XXXXXXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an multiple pull inquiry from a company that dropped my credit rating by an alarming amount so I disputed the duplicate inquiries and waited for the results. I have tried now for several weeks to get my free report to see if anything was adjusted and Transunion notified me that by my state law they could not charge me fr the report so as I was requesting the report they alerted me that they had adjusted the price to be in compliance. However, EVERY time I try to view the now FREE credit report, Transunion has some kind of error or page loading failure ... FOR WEEKS I HAVE BEEN TRYING! I am in the process of purchasing a house and getting credit for my business and now my score has plummeted from these duplicated inquiries on my file and I can not do anything about it thanks to the tricks Transunion uses so they don't lose a buck. It is not fair that these companies take control over a factor that essentially determines the fate of your every life decision and they still want more bleed you dry, don't follow mandated rules, yet they can drop or raise our scores decide what choices we will end up with in our lives whether it will destroy our lives or make it worth living is just at their discretion. If we try to fight for our right without paying them for accessing our own information, they just find another way around it because we can't truly prove that they are committing unlawful and unethical acts against us. So all we can do is cry and rant about it online in a complaint post. Its a sad world we live in.
Product: Vehicle loan or lease

I am a victim of a deceptive unfair trade practice of two car dealers and two banks who sold me vehicles with liens on each and made me liable for two car notes that exceeds my current income. Both vehicles were sold on an as is basis with over 100,000 miles and older models. Both dealers took down payments financing the vehicles for more than what they were worth. I was never shown these vehicles before any loans was finalized.
Product: Credit reporting or other personal consumer reports

The reason I am sending this complaint was to inform the XXXX and TransUnion Credit Bureaus that I am truly expecting that the Bureaus will fully remove these FRAUDULENT INQUIRIES within 15 days that I will be updating my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There are 8 commenity bank store accounts on my credit report. None of them are mine. I found out about this after a summons was sent to my house for two of the accounts that were purchases by XXXX XXXX. I responded to the summons saying these aren't mine and I've never been in a XXXX or Victorias Secret in my life which to this day is true. At the time a lien/judgement would have been devastating to the prospects of buying my first home but i didnt have the money to settle until a year later. The damage has been done and now I'm paying for it still. Despite these not being my accounts. 

I'm here asking the CFPB to help with this matter. 

Commenity is reporting 8 accounts on my credit reports. 2 were used by someone and the other 8 were never used but still remain on the report. I did not open, sign up for or use these accounts. 

XXXX Victorias Secret XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX During the lawsuit in 2018 I provided a response saying exactly this and what happened is they provided me with statements. But statements do not prove I didnt sign up for these accounts. I was told the burden of proof is on me. I was only made aware of these in 2018 when I was sued. The 6 other accounts show a perfect standing on my report but i want my report to be accurate. These are not my accounts.
Product: Credit reporting or other personal consumer reports

It has come to my attention that Transunion may have inaccurately reported information on my credit report, which has resulted in a violation of my rights. I am disappointed that the company has not properly addressed this issue, as it is a clear violation of metro 2 compliance standards. In light of the damages incurred and the emotional distress suffered, I am considering taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 near XXXX  I came across XXXX XXXX XXXX website. It said they can check your rate with no harm to your credit score. I submitted and not even two minutes passed before I received notification that my transunion score had change because of a hard inquiry from said company. I tried to phone them immediately but got recording they was closed. I phoned this morning to no avail can't get a human agent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

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

I have contacted XXXX XXXX Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a baby and I underwent hardship in my family life. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX XXXX XXXX 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 reportinn agency can not furnish a 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ITEMS HAVE BEEN DISMISSED AND SHOULD NOT HAVE APPEARED ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE AND HAVE THE DEROGATORY ITEM OFF MY CREDIT.
Product: Credit reporting or other personal consumer reports

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : XXXX account number XXXX