23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There was a notice sent regarding the home being sent to foreclosure, but the letter only listed the date and time. The notice did not include an reinstatement amount. The reinstatement amount was sent on  XXXX / XXXX /   2017, less than 48 ho urs before the said foreclosure sale.
Product: Credit reporting or other personal consumer reports

This is a general issue. Credit reporting. It seems like within a day or two the credit agency can report you use of credit cards, and then lower your score. But when you pay off a card, it takes at least two month for the score to recover if at all. 
I have inquired and their answer is that they only report payments after the monthly update from the credit card company has verified it ; so why are they so fast to report charges that are not " verified? '' My score dropped over XXXX points in one month when my credit card usage went up while on a month long trip to XXXX in XXXX. I have now paid the cards off and yet my score remains down. In fact, TransUnion lowered my score another XXXX pt today yet I have paid in XXXX  of dollars over the past ten days. 
They seem to only want it one way. If they can not verify payments until the monthly credit company reports it " verified '' then they should not be allowed to post my charges, almost on a daily basis. This is very unfair.
Product: Debt collection

XXXX XXXX XXXX on behalf of Portfolio Recovery Associates LLC has filed a court civil suit against me on a debt that has not been validated. I am submitting this complaint against XXXX XXXX XXXX on behalf of Portfolio Recovery Associates LLC for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : This debt is required to be validated under the FDCPA ( 15 U.S.C.1692g ). the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : Under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. XXXX XXXX XXXX on behalf of Portfolio Recovery Associates LLC has not provided this. 3. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and under applicable state law Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX with XXXX XXXX. I have tried to access my funds and use my card to make purchases which resulted in it getting declined every time. I have no access to my funds and have tried to access the app that I use daily and it does n't work, I have also tried calling customer service and have not been able to get through in reaching someone to resolve the issue. It is very frustrating knowing I have money in my account that I need and do n't have any access to not knowing why. Please resolve this issue immediately.
Product: Checking or savings account

My bank, Albert, advertised a {$75.00} bonus for moving your qualifying direct deposit to their institution. I moved my direct deposit to my account and received the first deposit of {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX I messaged them regarding the bonus because I had not received it. They advised that it had not been automatically detected y their system but not to worry it could be done manually. They requested a copy of my paystub, at which time I informed them it was a benefit deposit but that I did have proof. I sent them a copy of my benefits verification and was told to expect the deposit any day. 
On XX/XX/XXXX, after still not receiving the bonus, I reached out to their support team once again. I told them of the previous conversation and once again sent my benefits verification letter. They responded and told me my deposit did not qualify because it was benefits and not from am employer. I screenshot the terms and sent that along with a statement that it clearly states benefits do qualify but that short-term benefits do not. My benefits have been ongoing since 2002. They repeated their previous claim that mine did not qualify because it was not from an employer. They advised me to sign up for a new account and bring my direct deposit and then I will get the bonus. I told them I would be filing a complaint. Some days later it crossed my mind to check under the option to automatically connect and transfer my direct deposit and see if Social Security was an offered option. It turned out it in fact was as well as SSI being one. Still I am being denied the bonus.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures. 

This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my credit score and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.
Product: Vehicle loan or lease

On XX/XX/2022 Brigecrest illegally hired a third party company to repo my vehicle violating 15U.S.CODE 6802 which is against the law.
Product: Vehicle loan or lease

I have a lease agreement with Lone Mountain Cresco Capital Inc, lease # XXXX since XXXX. I missed my payment due to some hardship which i was in communcation with them. However, I told them I will be able to make payment on XX/XX/XXXX but they wanted me to make the payment on the XX/XX/XXXX but did not have money on Friday and I told them. On the XX/XX/XXXX that I was going to make the payment, I called and emailed Lone Mountain Cresco Capital Inc, but nobody answered me. On the same day monday XX/XX/XXXX the truck was toll out from the shop where it was getting fix and my machenic called me to inform me. I called Lone Mountain Cresco Capital Inc and was told I have 10 days to send my final payment but they did not send me my fianl bill and no one is answerring when I called and emailed to verify the final bill. It have been XXXX  days today since they sent me the termination email. On XX/XX/XXXX, I got a call from Lone Mountain Cresco Capital Inc that, they will not give me back the truck and I need to come get my personal items that was in the truck ( VIN : XXXX ).
Product: Mortgage

When I closed on my home in 2015, I was made to understand that I have 1 month of payment free. I mistakenly made a payment in the month I was supposed to get for free. The bank that my loan was transferred to, Wells Fargo, has been harassing me since 2015 that I am owing them. Sometime, XX/XX/XXXX or XX/XX/2015, I got a letter from Wells Fargo not to make a payment in a certain month. I took this letter to Wells Fargo and they took it from me and never returned it back to me. Since then, I have researched, through Wells Fargo Home Mortgage experts, and they found out that I actually made an extra payment in 2015 and it was credited to an escrow account. Recently, they reported me to Credit Bureau and this has been negatively affecting my credit score. They have also been but extra payment defaults against me. Please I need your urgent intervention for this unwarranted harassment.
Product: Credit card

The XXXX dispute form is throwing an erroneous bug ( " The date doesn't look right. Please double check and enter a valid date using the following pattern ( mm/dd/yyyy ). " ), despite using their calendar pop-out. Error atttached. 

Description : XXXX XXXX XXXX XXXX Dc Location : XXXX, United States Date : XX/XX/2023 Transaction amount : XXXX} Dispute amount : XXXX Shown in the XXXX XXXX XXXX ( aka XXXX ) account summary attached, both my credit card ( {XXXX bill amount plus XXXX credit card convenience fee ) and ACH ( {XXXX  withdrawal ; proof attached ) was charged ( bill attached ). I have already filed complaints with XXXX  ( attached ) and the Public Service Commission of the District of Columbia ( attached ), though ( till now ) no resolution has been reached yet with XXXX through either organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though Im ( the living human ) and not ( the entity person ) responsible for the debt claimed below, I have made several attempts in XXXX to offset the debt the accounts claim I owe. All of the accounts refuse to accept the payments I sent them to offset the debt and thus credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894. 

Also, using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts in question are below : XXXX XXXX XXXX - {$1400.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX- {$29000.00} XXXXXXXX XXXX XXXX {$5500.00} XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX {$14000.00} XXXX - {$6200.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX- {$3300.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information.

Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information. 
XXXX XXXX information with actual knowledge of errors A person shall not furnish any information relating to a 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

Could you please assist me with an erroneous account showing on my credit report? This has been affecting my reputation, and I urgently need your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

I paid my XXXX XXXXXXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX identified by the Account Number : XXXX.
Product: Mortgage

I am writing to formally submit a claim against Guild Mortgage Company for deceptive practices that have caused me significant financial loss. I seek to hold your company accountable for the mistake made on your end, which ultimately led to my submission of earnest money for a transaction that was unable to close.

As a direct result of your company 's error, I lost a total of {$10000.00}. This includes {$7000.00} in earnest money, the cost of a home inspection fee, and hotel fees. These losses have placed a considerable financial burden on me, and I believe the actions of your company were a contributing factor to this unfortunate outcome.

I would appreciate your prompt attention to this matter and a resolution that reflects the damage caused by this situation. I request compensation for the full amount of my losses, as well as a formal acknowledgment of the mistake on your part.

Thank you for your immediate attention to this claim. I look forward to hearing from you soon.
Product: Debt collection

I have been contacted several times by an automated call asked for someone who does not live with me and whom I do not know. Most calls went to my answering machine, but when I was at home I answered, waited on hold for a representative and explained that I did n't know who this person was that they were looking for and to please stop calling my house. I was assured several times that I would n't receive anymore calls, but they keep coming. Yesterday a message was on the machine from XXXX, who in a very threatening voice said that his company had spent enough time and ( money or energy? ) and that it was time to take care of it. I again called back this morning to tell XXXX he has the wrong number, instead I get another lady that said that she would remove my phone number. When I asked for a manager, she said she was a manager. When I asked for the business license number she refused to give it to me - she said that she had already given me the name of the company " Direct Recovery '' and that she did n't need to give me any more information. They are the ones who wo n't stop calling me and now it has escalated from automated calls to a person making threatening calls. Do I need to be worried that they can find my address too???
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Experian and XXXX XXXX disputing an account they are reporting on my credit report, I asked for proof/verification, copy of the contract or signature of the account, none of which was provided, this is not my account and I would like them to provide me with proof of this unverified account and why they are reporting this on my credit report.
Product: Mortgage

I had a 10 year fix that was going to adjust I had written Chase about this and requested a modification for months I tried to communicate with Chase Lending dept via telephone and letters stating I will not be able to support this load once it adjust, in time a letter was sent stating because of my on time payment history they could not help me. XXXX day in XXXX of 2012 I receive a call for Chase lending dept saying they were going to fix my loan I was surprised the man I spoke with told me I had 24 hr to accept this offer, I then asked him was going to be through the Government Program Call Harp I ask him if my mortgage would be reduced he did not respond the more question I asked him about this he made it quite clear that if I did not accept the deal it would be off, so I agreed to it. He came back with a 30 year fix at 4.5 % and reduced my mortgage by {$5.00}. just recently another bank offered to refinance my loan and they asked me about the Harp program and they said I qualify for it and while processing the paper work an issue came up which disqualified me, it was because Chase did a refinance and not the Harp program I belief this was because they wanted to the amount of dollars coming in now I can not get into the Harp program or refinance a a lower Interest rate they should have done the Harp program for me and my family. 
I would like for Chase to Modify my loan and reduce my Interest rate I tried to call and my number must be on a list because every time I call I get a recording that say 's we can not process you call at this time, I 've also mention about the XXXX XXXX dollars they were supposed to use to help out their customer and guess what they know nothing about this I would like some assistance from Chase to set me up in the Harp Program and reduce my payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX  XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,