23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Friday XX/XX/XXXX National Enterprise Systems Called said they wanted me to call back that it is from a debt collector. on my home phone XX/XX/XXXX th same company called my cell phone using a faked number " XXXX XXXX XXXX '' They asked for two different family members who do not live at this address and I would not confirm if I was either of those people. XX/XX/XXXX Called again on my home phone again using a faked number " XXXX XXXX XXXX '' Again asked for family members that do not reside at this address. I would not confirm if I was either of them. The company is based in XXXX OH which is how I know its a faked number and the same woman is on the phone each time. Since the people they are trying to contact do not even live here and in the first call they left a message stating they are trying to collect a debt I assume they violated revealing debt to a third party.
Product: Mortgage

This is for a mortgage payment for Guaranteed Rate. 

On XX/XX/XXXX ( Sunday ) I made the payment {$1200.00} for XXXX payment via the online payment portal Guaranteed Rate sent to my email. The loan went through and system sent me an email immediately with the title of " Your one-time Payment to Rate has been initiated ''. 

On XX/XX/XXXX ( Monday ) I received an email with the title of " Your Payment Completion Email from Rate '' with a transaction confirmation number, the account number and the correct amount. 

On XX/XX/XXXX ( Tuesday ) my bank statement shows the transaction has been cleared. 

On XX/XX/XXXX ( Tuesday ) I received a call from Guaranteed Rate customer service ( XXXX ) that they didn't receive the payment. I immediately sent two emails to customer service email XXXX : ( 1 ) payment completion email from XX/XX/XXXX and ( 2 ) proof that the transaction has been cleared from my bank on XX/XX/XXXX. 

On XX/XX/XXXX ( Friday ) I contacted Guaranteed Rate customer service ( XXXX XXXX to check. The customer service employee said she can't find my email. After I insisted her checking for THREE times, she " magically '' found the first email ( payment completion email ), but can NOT find the proof of transaction. I sent the proof again immediately to the customer service email and was advised to call next Tuesday ( XX/XX/XXXX ) since the system has 48 hours business hour delay - this is insane. 

On XX/XX/XXXX ( Monday ) I received a call from Guaranteed Rate Collection Department ( XXXX ) with a message to call back. Then I called back the number and the employee said they need to collect the XXXX payment since they haven't received it. I repeated the whole story with dates and amounts, and asked how to solve this issue because I have done everything right and it is their responsibility to solve the issue, not calling me again and again. The employee answered they have reported this to internal research department, haven't received any update AND there is NO timeline when the research department provides an update. The employee said there is no way they can contact the research department - this is such a broken and customer UNFRIENDLY system. 

By this time, 4 weeks after I made XXXX payment, did nothing wrong and provided all the confirmation to Guaranteed Rate, they still can not locate my transaction and the issue is not resolved. AND my credit score is at risk due to Guaranteed Rate 's mistake. I have already spent more than 5 hours on with this issue. I do have a tight schedule and this is a total waste of my time.
Product: Credit reporting or other personal consumer reports

Experian is suppressing credit score as a means of punishment for disputes. When i go to the app the score says XXXX. The letter they mailed says my score is XXXX. When i go and apply for any credit they use my score from years ago of XXXX. When score is viewed on other credit monitoring apps they are reporting it as a XXXX. When called they claim issue is fixed as if the scores aren't accessible through other sources.
Product: Mortgage

Because of the pandemic, my husband and I are barely getting hours at work. We called the mortgage company ( Rushmore loan Management services ) to ask if they can put a hold or move the payments back, they refused and said that if they were to do so we would have to pay a lump sum after the 2-3months hold. The whole point is because of financial hardship we called, so how would we be able to pay that lump sum? We have friends and family members who use other mortgage companies that work with them. This is just a disgrace and very upsetting. We can not wait to switch to another company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft with a bankruptcy that should not be on my credit report, I was told by both companies that they get their information from XXXX XXXX, well XXXX XXXX did an investigation and ruled in my favor by removing the bankruptcy. Here 's the proof below.
Product: Credit reporting or other personal consumer reports

This is my numerous request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$47.00} XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts opened in my name where not made by me Accounts : XXXX XXXX- XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX- XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint with you about the incorrect reporting through XXXX and Wells Fargo. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. Wells Fargo is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with XXXX XXXX Both CRAs keep reporting an auto loan ( XXXX XXXX that was never late/paid on time ) they keep reporting a delinquent status on this account. But it has no late payments. I have tried to correct this account for 6 months. Initially, they removed the negative information and added it back to my account the next day. However, I am now still waiting for them to update this once again. I will attach proof of this information to this complaint. I have sent them bank statements and a letter from the creditor. I will enclose the valid letter from XXXX XXXX that was mailed to my address on XX/XX/2023. XX/XX/2023 XXXX representatives are not taking any action to fix this account. Transunion is not updating any information. It's an ongoing dispute process for months.
Product: Credit card or prepaid card

I opened the American Express Gold Delta credit card on XX/XX/2023. I was under the impression that I would receive the {$300.00} credit and bonus miles when I applied and got approved for said credit card. However, in XXXX I still hadnt received the offer. I called in XXXX and was told I would be updated on why the offer hasnt been applied yet. Then XXXX comes along and no response. I call American Express XXXX on XX/XX/2023 and was told I didnt receive the bonus offer, the bonus offer was declined. You could understand my frustration when I was told about this fraudulent act and lack of transparency. Why wasnt this told to me when I called the first time? Why wasnt I given the option to not continue the application when I first applied? I was transferred to a manger who said I was told I wouldnt get the offer during my application, however he wasnt there when I applied for the card. He claimed there was nothing he could due and its based on my history. He didnt have any concrete reason based on my history. Ive never had a late payment and Ive closed ONE card! I was there when I opened the card, and there was no pop-up about me not getting the offer otherwise I wouldnt have gotten the card or paid for a flight that wasnt worth the original price. As someone who has other American Express cards I was disgusted at how they treated their customer, a loyal one. Id also like to add about the manager claiming I got a pop up about this before the application went through, not only was he not there ( and was very dismissive, as if he was ) but others have mentioned they didnt get a pop-up as well ( Ill include it in my photo proof ). Im disappointed and would like for American Express to do a better job with being honest with their customers. Not only that but their communication skills were quite poor as I was told I would receive an update after I called the first time, only for me to have to call again because of the lack of an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, Experian and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Product: Mortgage

To Whom It May Concern : Specialized Loan Servicing ( SLS ) is using foreclosure as a tool to force us into paying them over XXXX XXXX dollars for a {$130000.00} loan. They are trying to collect on a XXXX XXXX Mortgage by using their lien against our house to pressure us to accept a predatory loan repayment plan. 

Their recent loan modification offer would allow us to end the foreclosure if we : XXXX ) Pay about {$40000.00} in cash up front XXXX ) Pay about {$400000.00} in monthly payments of {$790.00} for the next forty years XXXX ) Pay an additional {$32000.00} at the end of the forty year term We have already paid SLS about {$60000.00} from the time when they acquired the loan, so the total financial loss incurred by this {$13000.00} loan would be a little over half a XXXX dollars. 

SLS has accelerated this loan three times since XXXX ; but they waited until last year to follow through on the threat of foreclosure. 

We would like your agency to investigate the business practices of SLS since we are obviously not the only victims of their predatory schemes, and we would appreciate any assistance you can offer as we continue to fight against SLS and its abusive practices. 

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

XX/XX/202XXXX XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account from XXXX  # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These following accounts are reporting inaccurate information on my credit report and need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX   I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged onXX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XXXX  thru XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 
Please deleted the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX, XXXX, Equifax and they keep telling my FTC report is not a verified document from the FTC. They state that the federal trade commission said the document is not valid I want the item removed from from my credit report
Product: Checking or savings account

I signed the XXXX and Im still getting charged with overdraft fees. Caused account to be in the negative a huge number
Product: Credit reporting or other personal consumer reports

XXXXXXXXXXXX XXXX XXXX, transunion failure to provide evidence of thorough investigation while claiming the account is accurate violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which requires a reasonable investigation of disputes. Additionally, these actions may breach the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) .This is particularly concerning given the consumer financial protection bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) highlighting similar violation by XXXX, XXXX and Transunion. I urge the CFPB to ensure XXXX, XXXX and Transunion adheres to federal law and provides consumer with proper proof of investigation