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

{$390.00} I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged charge off information. XXXX XXXX XXXX  has never proved this debt belong to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but XXXX  and Transunion continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX XXXX, sold a defective couch to me. While speaking with the manager he agree to take the couch back, replace it with a new one, then close the account With remaining in good standing on my credit report. However, due to covid19 the manager wasnt able to pick up the couch right away. I received a notice that  my credit score had dropped 40 points and when I called XXXX XXXX XXXX, they informed that it was a mistake. Due to lack of communication in the store, one of them associates made the decision to mark the payment as late until the store was able to pick the couch up. The fact that a damaged couch was sold to me and they didnt pick it up right away is not my fault. The manager apologized for all the trouble and said he doesnt know how to go back and fix the negative mark on my account but he did pick the couch up. Id be happy to get the store manager on a conference call so that this information is proven to be accurate.
Product: Credit reporting or other personal consumer reports

Dear CFOB, I am writing to formally dispute the following item ( s ) on my credit report with Experian, XXXX and XXXX, as I believe the information provided is inaccurate and was willfully misreported or mishandled, violating my rights under Section 1681o of the Fair Credit Reporting. If you do not correct the information, I will pursue further legal actions, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Experian XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX. 

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

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violation of my federally protected consumer rights.
Product: Debt collection

Bank of America 's Collections Unit sent a NOTICE OF INTENT TO FORECLOSE ( NOI ) letter dated XXXX XXXX, 2017. They are trying to foreclose on my property.
Product: Debt collection

An automated machine keeps calling to saying it is calling to collect a debt for " XXXX XXXX ''. A person by that name never has lived here.
Product: Payday loan, title loan, or personal loan

A few years ago i submitted my information to affirm. On XX/XX/XXXX i tried to open an account snd their system says i already have an account. When i contacted support they said they were unable to update any of my information if i dont remember or have access to my old cell phone number. 

At this point i just want my information deleted from their database. 
I never received a loan and since i cant access the account someone else may have access.
Product: Mortgage

On XX/XX/2020, I closed on a refinance of my existing mortgage. The previous mortgage company is PHH Mortgage Services, XXXX. XXXX XXXX, XXXX. XXXX, NJ XXXX. On or around XX/XX/2020, I received a check from PHH for the escrow balance of {$2200.00}. When I tried to deposit the check in my account, the teller told me I couldn't because my deceased husband 's name was included with mine in the 'Pay to the Order of ' section. I contacted PHH and followed their instructions for getting a check for deposit that had only my name on it. On XXXX XXXX, I sent the Research Department a death certificate and an explanation of the problem as per their instructions. On XX/XX/XXXX I received a letter from PHH saying they received my request and had updated my loan information. A letter dated XX/XX/XXXX from PHH arrived stating again that they removed XXXX 's name and that they issued a check on the XXXX. A check arrived dated the XXXX which still had XXXX 's name on it so I could not deposit it. I called PHH right away and explained the situation. From mid XXXX until now I have talked to PHH representatives at least a dozen times and am always told that all they can do is enter in my comments and their request for a check to be issued to me in my name only. The support people say that neither they or I can contact the Research Department directly. My demands for resolution were placed in the hands of a " escalation team ' member who calls me weekly to tell that the issue is under review. Her number is XXXX ext XXXX.
Product: Money transfer, virtual currency, or money service

The date in question is XX/XX/XXXX, and the XXXX XXXX, MI resident apart of the Scam that was allowed by XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX. 

XXXX item # XXXX PayPal Email ID XXXX - XXXX   Details : On XX/XX/XXXX an XXXX  transaction for {$470.00} took place for a clothing garment. Upon receipt of the item, XXXX XXXX XXXX a complaint with XXXX/paypal stating his package was empty/never arrived, despite tracking information showing otherwise as well as my prior XXXX/paypal record 's having not 1 blemish for years of transactions. 

The buyer disputed his transaction with his card issuer, which immediately sided with him, prompting paypal to open an investigation and leech funds from my account to give back to the buyer. This is not normal consumer practice. At no time in my life have I ever bought an Item then scammed the store or the seller back for the money as well. This is NOT acceptable
Product: Credit reporting

I have XXXX via the state of Georgia on my TransUnion credit report. I have attached documents that provide proof that the following should be deleted from my report.
Product: Credit card

I was sent a text message by Concora Credit asking me whether or not a purchase was fraudulent or not. And the text asked me to reply with a Y or N. I replied with a N. Then an immediate text was sent requesting me to call the fraud prevention department at XXXX. I proceeded to call the number. When I called the number to confirm the charge was indeed a good charge for my online fax service that Ive been using for sometime now, I was told I could not make any online foreign purchases from this card. I asked could I be sent documentation stating that this was indeed their policy and I was told no because it was proprietary information. This is absurd! A customer should be made aware of things they can or can not do with a credit card and this company needs to be investigated asap!
Product: Credit reporting or other personal consumer reports

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX  Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account in my credit report that is about seven years old and dont belong to me showing. Late payments every months the account was previously disputed and removed but for some reason was reinstated in my credit report I asked Experian to stop reporting this account in the late payment status since that is hurting my credit report month by month I asked Experian to provide me with the way they had verified this account however they had no do so
Product: Mortgage

I've been working with XXXX XXXX, manager at Navy Federal mortgage department. I informed my loan officer from the start that I will not have an impound account on the loan. I was informed by XXXX XXXX ( loan officer ) that my loan will not have an impound account as I requested. I was informed by XXXX XXXX that my loan was approved yesterday. When I informed XXXX that I informed XXXX of the impound account she became combative and aggressive and lied to me stating to bad. Unless you have a higher credit score and put 20 % down payment, Navy Federal requires an impound account on VA loan. I informed XXXX that requesting 20 % down on VA loan in order to cancel out an impound account is illegal and against VA guidelines. I asked XXXX XXXX to provide me documentation of this on VA loans. She stated thats an internal document and I will not be able to review the document. I explained to XXXX XXXX, that the VA loan department nor Navy Federal requires this as you can see in my last VA loan with Navy Federal. XXXX XXXX responded threatening me that she will close out my loan. I stated that I do not give her permission. She responded too bad. This is extreme maltreatment of a Navy Federal employee to a Navy Federal Member and needs to be address immediately. XXXX war veterans do not deserve this. Navy Federal employees involved contacts : XXXX XXXX ( Manager loan origination ) XXXX XXXX email : XXXX XXXX XXXX ( loan officer ) XXXX XXXX email : XXXX XXXX
Product: Debt collection

A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18,
imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.
Product: Debt collection

This is to lodge a complaint about XXXX XXXX XXXX, attempting to bill me for services not received on a day that I was not at or in their hospital by creating a nonexistent account number and attaching it to my name for no services mentioned. XXXX is attempting to extort payment from me for the exact amount previously paid by me for services rendered during my actual stays in hospital. I have the receipt. A call to the debt collection agency resulted in my being told that a different department would call me back. That has not happened. I have submitted a previous complaint about this same company to the FTC, XX/XX/2022, for the same reason. The complaint was also registered with the local police department. 
The name of the debt collection company is Medicredit , Inc. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report, and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing but they are reporting inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Included in Bankruptcy When the bankruptcy was filed, the above accounts were part of that bankruptcy filing. Please fix, correct, and update my credit report. If the furnisher comes back and verify that the item should be outside of the bankruptcy, let me know so that I contact that furnisher and hold them accountable for reporting inaccurate information to you and the other three bureau. I know that you company will do the right thing and fixed the inaccurate account listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

I have made 14 payments to my mortgage company, Cornerstone. All 14 payments were made out to Cornerstone, sent to the same address, and have all cleared. Cornerstone shows only 13 payments. I've supplied the proofs of payment on every single payment. The payment that is missing is the one I paid on XX/XX/2020 for {$2900.00}. I've contacted XXXX XXXX, Sr. Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc. for help. She says in her research, the missing payment was found but told me no more except to call XXXX for more information. In calling that number, I spoke to XXXX who has no record of the missing payment. As well, my on-line payment history with Cornerstone 's website does not show the missing payment. I have paid Cornerstone {$2900.00} which they have kept without crediting my account and now the representative is claiming the problem is solved despite all evidence showing that nothing was solved. 

This is the contact information for XXXX : XXXX XXXX XXXX Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc . 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CITIBANK CBNA has been reporting late on my XXXX report. I have disputed this information with XXXX and CITIBANK CBNA. Both have sent me a letter with little information as to why, letters have just stated that this information is valid and it will remain on my credit file. As to FCRA law UNDER 15 USC 1681 ( A ) ( 6 ) ( B ) ( III ) I am entitled to receive written validity of this 'late payment reported ' - I am requesting validity and accuracy of this investigation in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Depsite having a XXXX credit score, no evictions no collections. This company reported that I had negative items on my file resulting in a denial of service ( XXXX XXXX XXXX ). 

I want a copy and i want items corrected.
Product: Credit reporting or other personal consumer reports

I am writing to address a persistent issue regarding the account labeled " XXXX XXXX XXXX '' on my credit report, which has been repeatedly deleted and re-reported by Experian. This erroneous reporting is negatively impacting my credit, as the account does not belong to me, and I have not authorized its inclusion on my credit file. I must stress that the continued deletion and re-reporting of this account by Experian is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports. In this case, Experian 's actions are not in alignment with this requirement. Attached you will also find my ID as a proof of my Identity.
Product: Credit card

Having ongoing issues with Amazon thru Syncrony. Had an issue where I had to change my bank account a year ago due to my wallet being stolen. Went on immediately and entered in new account information for payment. Set up automatic withdrawals from the new account. Old account still available as a drop down, but take caution in always picking the right account for payment. Have gotten multiple calls from collections department at least 4 of the past 10 months. Synchrony will continue to ignore my chosen payment of new account, will charge old account and get bounceback from bank because that was closed in XXXX of last year. Ive called, gone on live chat and have gotten no assistance from synchrony. They regularly hang up on me or disconnect the live chat, making me have to start over. Ive spent hours and hours trying to get this resolved with no luck. Just days ago, I spoke to them, paid my balance of XXXX bucks in full ( w/ new account ) made sure that my auto payments came from the correct account and still got an email today saying they were contacting me about failure to pay. The absolute worst customer service ever- but the more alarming part if they continuously ignore payment agreements and charge any account they want. Then will charge my late fees on my account. Such a scam, do not do business with synchrony!!!
Product: Payday loan, title loan, or personal loan

I opened a loan with Springleaf financial in XXXX at the XXXX XXXX Branch on XXXX XXXX califonia the payments were XXXX for four years the loan was to mature on XX/XX/XXXX I made several late pmnts however their was period of time where payments got lost especially in XXXX when Springleaf sold to one main financial I had a gentleman XXXX XXXX re amortize and fix my loan and they said my loan would be paid in full XX/XX/XXXX as per the agreement In XX/XX/XXXX they told me the loan matured but I still owed XXXX because of all the payments going to interest I have tried to resolve and no luck They then forced me into my first 30 day delinquency in over a year by demanding I set up post dated checks when the date came and I needed to change the date by one day they wouldn't let me and instead forced me into a bounced check and fees and now they dinged my credit report I dint think I will ever get this loan paid off I have aid them XXXX as of date
Product: Checking or savings account

Offer clearly states Bonus will be deposited within 45 days of deposit verification. Deposit verification of {$3000.00} cash took place on XXXX when the account was opened and all other stipulations/qualifications to receive the {$500.00} bonus were met. On XXXX, which was the XXXX day since XXXX, the bonus had not been deposited so I contacted the person at the bank who had opened the account, XXXX XXXX. She forwarded my complaint to her superiors and then called me back the following Monday saying that they said 1st 60 days must pass before the " within 45 days '' takes effect. I told XXXX that that was not what the fine print said. She agreed so she resubmitted the inquiry to her superiors. A few days later she called me and said they were not going to deposit any bonus until 45 days after the 60 days were met. 

This is in violation of the attached mailing I received from USBank. This constitutes consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/2017    I sent certified correspondence to Transunion  LLC , ( it was signed for on  X/X/2017    ) regarding information placed on my credit repo rt, ( Illinois Federal Court " Bankruptcy '' and Will Recorder of Deeds " Tax Lien '' ) I requested that t hey VALIDATE the information, because the parties stated above mailed me letters stating that they DO NOT report to credit bureaus ( documentation was included in my initial dispute and uploaded in my complaint also ) .I requested that if the information placed on my report could not be VALIDATED I would like the information permanently removed from my report record, they responded to my request with a letter stating that it was VERIFIED and will remain on my report. I would like this matter re investigated.     enclosed is correspondence I am sending to Transunion to have my cas e re inv estigated along with my complaint to CFPB, a copy of the letter stating " verified '' fr om ( Transunion ) as well  as verification that  XXXX  has Deleted the Will Recorder of Deeds " Tax Lien '' from My credit report.