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

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since approximately XX/XX/2018, i have attempted to receive my free annual credit report from Equifax. Whenever I attempt to login, I get an error message stating that the information I entered does not match what Equifax has on file. After about a week of this occurring, I contacted Equifax 's consumer assistance line. The agent who I spoke with stated that they were having an update and that's why I'm unable to sign in to receive my report. Ok, fair enough. I ask to be sent a report. The absent states she can not do that as their computers are updating as well. Odd, but I accept it. Over the course of the next 2 months attempting to access my free report ( legal right ), I am denied each time with an update being the reason everytime. One day, XX/XX/XXXX ir so, as I'm speaking to an agent in the fraud department- how a fraud alert was requested by me I'll never know, as I still haven't received a report from Equifax . I digress. I explain my frustrations of a two month update. The agent confirmed my suspicion. There's no way that Equifax could run a two month long update and still operate. He has no idea why they were lying. He verifies my identity, removes the fraud alert, and proceeds to confirm my current and previous addresses with me, checking for spelling as well. I attempt to log in. To no avail. Despite my persistence, I am unable to access my report. This past week, I have discovered the reason. Equifax keeps changing my address despite the TWO address verifications I sent in. Equifax is denying me my right to my free report.
Product: Mortgage

XXXX XXXX XXXX XXXX / PHH Mortgage Services, chooses not to look into loan errors affecting my loan assistance request. This loan servicer is not treating me fairly but opts to foreclose on me, yet my household income is currently stable and adequate to save my home.

1. Part of the reason my loan modification was denied, is because this servicer has incorrect data input on my loan file.

2. This servicer also did not calculate my income correctly during the loan review.

3. This servicer is keeping the foreclosure saledate active, as they will not bother to look into the other claims in my appeal request. Its seems much easier for this servicer to foreclose on me, than investigating my loan file or analyze it appropriately for a possible home retention plan. 

The circumstances that led to my default were inevitable and are behind me at this present time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX All these accounts has violated my rights. 

15 U.S.C 1681 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 with 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate XXXX account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 15 U.S.C 1681 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my XXXX  to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.
Product: Credit card

App stated I had {$1000.00} worth of purchase power. attempted to use less than {$350.00} and was declined
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Product: Mortgage

XX/XX/XXXX I was approved at XXXX % for refinancing my loan after the Covid relief period had ended. I was on diplomatic mission with the XXXX XXXX XXXX in XXXX XXXX. I was unable, after four attempts, to notarize the loan docs and return them to Freedom Mortgage within the 14 day period due to the fact that it took 14+ for the mail to arrive. During XXXX I requested more than 20 times by phone that the docs not to be mailed as it took 14 days to receive mail in XXXX XXXX XXXX More than 20 times i was assured they would contact me and send by email so i could sign and notarize and return. This never happened. After one year of trying my loan was cancelled and was told the program for Covid no longer existed. During XXXX a new loan could not be approved on time as it was always delay due to documents expired before the loan could be reviewed. Today, XXXX, after not having a loan for 3 years, a loan was approved at XXXX percent with a monthly mortgage payment {$1200.00} above the original loan that Freedom Mortgage purposely refused to receive from a disabled veteran, serving his country in harms way in the XXXX XXXX, in order to increase the loan percentage rate.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items off my credit report : XXXX : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX {$2200.00} XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2200.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Mortgage

My mortage company has sent me three annual escrow analysis statements all three times increasing my monthly mortage payments. If this is suppose to be an annual occurrence why has it occurred three times in one year? I've called multiple times and can't get a resolution or can anyone tell me if this will keep happing more then once a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the repXXXX told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company consumer portfolio service
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX Reported Late payments on my XXXX XXXX Account on XXXX. XXXX also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act XXXX has violated my rights. Under 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 reporting agency can not furnish a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I settled my Capital One account and it should be reporting as a XXXX balance. 
2. I filed a dispute with XXXX and within three days of the dispute XXXX reported the account as " verified '' with an outstanding debt of {$2500.00}. 
3. Either Capital One or XXXX failed to fully investigate the status of the account in a manner consistent with the FCRA. 
4. Either Capital One or XXXX has reported this account as closed on my consumer reports, but XXXX shows that the balance has been reported for 55 months as part of my credit utilization. 
5. Therefore, the credit bureau shows my utilization as 27 % while XXXX shows my credit utilization as 170 % due to the manner in which Capital One and/or the credit bureaus report the account through their internal systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, Transunion, XXXX, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my report.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX XXXX XXXX XXXX sales representative, XXXX XXXX, contacted me via email regarding a XXXX XXXX XXXX XXXX. I submitted a accurate application hours before being contacted, so I responded asking if my application got approved. XXXX responded that employment information and income were missing. I replied that I dont work and only get XXXX, and that I can put {$5000.00} down payment. XXXX responded asking how much I get paid monthly. I replied clearly that I get paid {$1200.00} monthly. Minutes later, multiple application were submitted to multiple lendersincluding XXXX XXXX XXXX and XXXX XXXX Autoand he messaged me Great news, my manager was able to get an approval for you. However, I was made aware that the applications submitted to lenders had inflated income and the approval were based on fraudulent information submitted by XXXX XXXX XXXX. XXXX XXXX XXXX committed fraud on car loan application to get me approved for a loan to close a sale that might have otherwise not have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

DataVerify was used by my mortgage lender to pull a Borrower Profile Report. 

DataVerify reported that I had a foreclosure on a past home of mine on XX/XX/15. I pulled the record in question from the XXXX XXXX XXXX NY clerk and the filing in question was a deed transfer. NOT a foreclosure. 

DataVerify NEVER looked at the document to see what it was and inaccurately reported the information.
Product: Student loan

I am owed a student loan refund from Mohela. It has been over 90 days which is what they stated the time frame would be in the letter I received. I keep getting emails from Mohela stating that they first have to verify my physical address. When I go on their website there is nowhere to verify address. I have mailed them back 2 letters specifically to verify my address... I still keep getting emails. I have tried to call them numerous times and each time the wait/hold time is SEVERAL HOURS. I have stayed on hold for the duration, only to be disconnected by their representatives. I requested several call-backs through their automated system and never have I received a call back. This is unacceptable business and shady to say the least.
Product: Debt collection

This company COMMONWEALTH FINANCIAL IS REPORTING ON MY CREDIT REPORT AS A COLLECTION I HAVE NO IDEA WHO THEY ARE. I HAVE NOT DONE BUSINESS WITH THEM BEFORE. THIS IS A FRAUDULENT ACCOUNT OPENED UNDER MY NAME.
Product: Debt collection

ORGINAL CFPB # XXXX THE FOLLOWING IS THE ORIGINAL LETTER THAT WAS SENT TO THE SO CALL COLLECTION AGENCY THE ORGINAL DEBTOR IS STATING THEY NO LONGER HAVE THE DEBT OR THE NEVER EXISTED. I DIDNT RECEIVE MY XXXX FOR TAX PURPOSE STATING THAT I OWED ANY DEBT. 

XX/XX/year> CREDIT COLLECTION SERVICE XXXX CCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX WHOM THIS XXXX CONCERN, I HAVE RECENTLY PULLED MY CREDIT REPORT AND NOTICED THAT THERE IS A COLLECTION LISTING FROM YOUR AGENCY. I HAVE NEVER BEEN NOTIFIED OF THIS COLLECTION ACTION OR THAT I OWED THE DEBT. THIS LETTER IS TO INFORM YOU THAT I HAVE THE RIGHT TO REQUEST A VALIDATION OF THIS DEBT AND YOUR ABILITY TO COLLECT THIS MONEY FROM ME BY PROVIDING THE ORIGINAL WRITTEN AGREEMENT. I ASK THAT YOU PROVE THAT I AM INDED THE PARTY WHO IS CONTRACTUALLY BOUND TO PAY OFF THIS DEBT OR STOP COLLETION ACTIVITY AND REMOVE IT ALL TOGETHER. PLEASE ATTACH COPIES OF THE FOLLOWING DOCUMENTS : PURCHASE AND/OR AGREEMENT THAT YOU HAVE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. AGREEMENT THAT BEARS WET SIGNATURE OF THE ALLEGED DEBTOR WITH PROMISES TO PAY THE ORIGINAL CREDITOR. COMPLETE PAYMENT HISTORY ON THIS ACCOUNT, TO PROVE THAT THE AMOUNT YOU WISH TO COLLECT IS CORRECT. I HOPE YOUR LEGAL STAFF WILL AGREE THAT NONCOMPLIANCE WITH THIS REQUEST WILL RESULT IN SERIOUS LEGAL TROUBLE FOR YOUR COMPANY.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to apprise you of the ongoing issue stemming from my previous report concerning identity theft. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items identified in an identity theft report, particularly in my case with reference # XXXX. Enclosed, please find the attached documents supporting the removal of erroneous information and inquiries erroneously posted on my reports. The following is a list of items that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Midland Credit Management has taken legal action to garnishment my wages after I contacted them to make a payment arrangement. Due to Covid exposure I was unable to make a court on XX/XX/2021. I believe the amount is XXXX. I do not have funds at this time to have payments deducted but willing to make payment arrangement. I've been contacting them to stop this action. No result
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/XXXX
Product: Student loan

Enrolled in paperless billing. Was not billed nor called. Was only notified when my payment was 60 days past due. Brought account current immediately ; reported as delinquent to credit bureau one month later. Second issue with this loan servicer in one year. Difficult to reach the right people to speak with. Reps insist they can help and refuse to place you on the line with a supervisor. Will claim they spoke with one on your behalf. Should have paid closer attention when doing my research about ACS Education. My other loans are serviced by XXXX XXXX never had a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cling to sending plentiful sets of letters to Equifax so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. 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 Equifax 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 emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX
Product: Debt collection

I sent a letter to Progressive Managment Systems to validate this debt and to also see any HIPAA authorization forms. This company failed to properly validate this debt or send me any HIPAA authorization forms. They also disclosed personal medical information that was not authorized by me. I never had any contract with this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a mortgage refinance with XXXX XXXX  XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX XXXX  decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to Chase and a mortgage appeared in my personal Chase account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX XXXX  within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both Chase and XXXX XXXX  to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for Chase to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both Chase and XXXX XXXX  that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.
Product: Debt collection

I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please
Product: Credit card

I Purchased a purse from XXXX on my barclays XXXX card. this item was not what I expected so it was returned and the company claims they recieved a empty box. I had no idea I needed how that happen when i dropped the item off at the drop off station it was weighed and sealed I have proof of that and the company keeps denieing my dispute.The item was XXXX. I am out of the money on something that i never even got to use this is very upsetting. I have proof it was dropped off and weighed but the company shows the box empty this is very upsetting and I can belive something can not be done.The company and barclays refused a refund XXXX refund denied again. Im told i should of took a picture of the item before i sent it how am i supposed to know this would happen.