23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from XXXX on XXXX XXXX claiming to be a process server that was going to serve me for a debt I owed and to provide XXXX forms of ID. If I had any questions to please call an XXXX phone number. When I called the number I was told that they were an arbitration group working with the state to work with me prior to going to court. If I could pay {$800.00} now ( over {$500.00} more than I had taken a loan for ) they would place a stop order on the summons and I would n't have to appear in court. I panicked and agreed to a payment arrangement under the assumption that this was actually a company working with the state dept. However, I did some research later in the day when I realized that the charge was coming from a Delray Capital and not the arbitration group they claimed to be. Also in the email they sent to me after the agreement was in place I saw at the bottom of the very official looking letter that it was actually a collection agency. I had been lied to multiple times in order to scare me into paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( XXXX XXXX XXXX  ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that XXXX XXXX XXXX  were no longer collecting on this account.
Product: Mortgage

My loan XXXX, his processor and myself have made multiple request for a payoff of my current principle mortgage balance from my current mortgage lender " Bayview Mortgage ''. and they refuse to send me, my loan XXXX or his loan processor a copy of the payoff letter. They have delayed my refinance for a month now causing me financial loss! 
Please intervene asap so I can refinance my mortgage and save money!
Product: Credit reporting or other personal consumer reports

This is my 10th requests 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 XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : Attention : Credit Department : Creditor 's Address : This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Line Item : Made by : Made on : Made with : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that

you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I r
equest that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Sincerely, Name : Address : DOB : SSN :
Product: Mortgage

My wife and I filed a complaint with you on X/XX/2017 complaint # XXXX. We are not sure if we are not speaking clearing or no one is listening. Our issue is that over the last 2 1/2 years we have filled out the same extensive loan modification forms. For one reason or another we have been told that form was missing something or the period was in the wrong place. For whatever unbelievable reason we have to fill out the same forms 12 times. We will not do it anymore. We sent our complaint only to have Bank of America send another site of forms with the same exact information. This matter is not closed. Bank of America has DONE NOTHIING!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened a mortgage loan on an investment property which SHOULD'VE been under my XXXX 's credit report and not my own. My XXXX  is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my XXXX when we signed the loan documents. Before signing documents, I confirmed with my loan XXXX that I was only signing on the XXXX 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the XXXX is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the XXXX to show that I have the right to act as the signer on the XXXX 's behalf, and the loan disclosure and documents which shows that the XXXX is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the XXXX. They do not allow the XXXX  entities to be the official signer of documents.
Product: Credit reporting or other personal consumer reports

Account Name : SYNCB/PPC Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX and the major credit bureaus XXXX, XXXX XXXX and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation.

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

Equifax currently has a promotional block on my credit report that I would like remove so that I can accurately monitor my score.
Product: Credit card

I would like to bring to someone 's attention a scam being perpetrated by Synchrony Financial. In my case the bank requires payment by the XXXX of the month. I receive my paycheck on the first of the month and pay my bills at that time. As a result, on several occasions, I paid my bill before receiving the hard copy of the bill from XXXX. This has caused my account to accrue late payments ( for early payment ). How can someone receive a late payment for paying early? 

As a result, I contacted the bank and was advised that the bank 's computer system does not have the capability to accept payments between the XXXX the XXXX and apply these payments to the current month. As a result, a late fee is applied. I was advised to make payment after the XXXX and before the XXXX ( due date ) to avoid late payment fees. This computer glitch causes honest consumers to receive late payments. When challenged, I did receive a refund for the XXXX fees below but was advised that only XXXX fees can be refunded per year and that any additional fees will not be refunded. They did not admit to any irregularity with the billing system. 
The question is ; How many other honest consumers are being penalized for early payments and do n't know it? Note : I also have XXXX XXXX account with Synchrony and the same issue occurred.
Product: Debt collection

I XXXX XXXX XXXX entered into a consumer credit transaction with EXETER FINANCE CORP on XX/XX/2022. A consumer credit transaction in which a finance charge as well as cash down payment was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, however EXETER FINANCE CORP took cash which is in violation of 15 usc 1662. The finance charge is supposed to include insurance, but EXETER FINANCE CORP made me purchase insurance separately.
Product: Mortgage

Loan modification that has been a nightmare with PHH Mortgage Service Center. They have made me jump through so many hoops and I finally recieved my trial modification and passes the XXXX months test. They issued an incorrect packet and while following their directions to correct different requirements they closed my file and have stated I need to start all over. They misinformed me on the process and information that was needed to correct the packet. When all their many different and changing requirements were met, they threw my packet out. They are not acting ethically at all.
Product: Mortgage

my Property was going to foreclosure on XX/XX/XXXX, I tried doing re adjustment but they said i can't do that, they gave me 2 months to do short sales or readjustment then I sent all the paper work they needed to do short sales, than they get back to me on XX/XX/XXXX and said all the paperwork i sent was out dated its been 2 months i have to send all the paper work again, witch i am willing to do but I travel for work so its hard for me to send 2 years on taxes ( 90 pages ) bank statement s ( 50 pages ) paychecks all this via fax, and they still can't guaranty its not going to foreclosure and foreclosure on XXXX the XXXX, they wait 2 days before the foreclosure to tell me all my paper work was out dated, this is just crazy, they are not willing to do readjustment they wont let me do short sales i am trying to avoid foreclosure, please help.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECTED the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I received an email from Chime about my direct deposit form was included and I needed o fill it out, I do not have an account with Chime. This was XX/XX/24 XXXX right after that email I got another email saying welcome to XXXX XXXX XXXX and my account was successfully created an savings account and that it was linked with Chime. I closed the Chime account by clinking the link. I called XXXX But they asked me for my social security number which I would not give.
Product: Credit card or prepaid card

I used my points to book a trip. I canceled the trip and was told I would be able to get a credit for the same amount to use with the same airline. 

I called to book a trip using this credit on XX/XX/XXXX and pulled up the trips I wanted to book online. The pricing was in the {$300.00} price range online and the price the agent was telling me over the phone was over {$700.00} dollars for the same flight date and times. Out of frustration and feeling misled I wanted to speak with a manager. None were available and they said they put us on a list to be called back in 72 hours. I never receive that call. ( I have a screenshot of the online prices. ) On XX/XX/XXXX I called back and to my surprise, I was able to book a trip where the costs quoted over the phone matched their online pricing. The trip that I was booking was only for a portion of the amount of the credit and the customer support repXXXX told me I was going to be able to use the remaining amount of my credit for another flight. I asked to book that other flight there on the phone but I was informed that I needed to wait 24 hours for the new ticket to process and the remaining credit to register. 


On XX/XX/XXXX I called to use the remaining part of my credit. I was told that the remaining credit was forfeited and that was the company policy. I asked to speak with a manager but none were available. They informed me that they were going to put me on a list to receive a call back in 72 hours again and I informed them that I was going to file a complaint with the CFPB. 

Per my last two conversations with the American Express representatives, I was provided conflicting information, 1st I was told I could book a flight and use the remaining credit for another flight, and on the second call, I was told since I booked a new flight for a lesser amount than the original credit the remaining portion was forfeited. Overall, per the result of the last call, I have lost over {$300.00} which I could have reasonably avoided if I was informed correctly.
Product: Credit reporting or other personal consumer reports

Filed a dispute on a creditor that issued a charge off on my account and after the statute of limitations expired the creditor sold the debt to a collection company in which the collection company was able to report the debt on my credit report!! The credit bureaus were notified by me on what occurred in which I had filed a dispute claim stating that it was a old debt that the statute of limitations on that debt had expired and it was reported under a different collection agency name making it seem like it was a new collection. The credit bureaus are failing to investigate this properly and are breaking the law by refusing to disclose the outcome of their investigation and blocking me from opening another dispute claim for the same creditor, stating that they have already investigated this issue in the past and wont let me continue.
Product: Vehicle loan or lease

I am writing today in regards to my lease account with VOLVOCARLSE account # XXXX. The reason for writing today is in regards to the late lease payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Debt collection

When i applied for med insure it was asured that it was hoing to get write-off The my XXXX account. Number and info so here it is it is critical i get this solve cus its affecting my credit score and were in proceds off pushasing my first home before my lease its up here. 
XXXX XXXX XXXX XXXX. Effective XXXX XXXX 2016 XXXX health plan XXXX XXXX social worker contact phone its XXXX worker id num its XXXX id number XXXX id XXXX Case XXXX XXXX so please fix this my number its XXXX thanks.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX,, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the Equifax data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX.