23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX | XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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

15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

Your company is in violation, you have caused me pain and suffering due to mistreatment and discrimination. All accounts closed, charge off, late payments need to be deleted immediately. You are now under Federal Law.

15 U.S. Code 1691 - Scope of prohibition 1026.23 Right of rescission.

15 U.S. Code 1692g - Validation of debts 12 CFR 226.4 - Finance charge.

15 U.S Code 1692e- False or Misleading Representations Termination of Collection Action, Write-off and Close-out/Cancellation of Indebtedness
Product: Credit reporting or other personal consumer reports

i recieved email from the bureaus saying i'm helping 3rd party to send out my dispute please delete the following account and inquiries XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

XX/XX/XXXX, I closed on my deceased sister 's property, which I became the owner on XX/XX/XXXX. The title company sent the payoff which was rejected as the mortgage company said they sent the wrong payoff number. I sent the Title company the difference and the title company resubmitted the new payment and was again rejected stating I owed interest, per diem, and insurance costs. The property was sold. I was never contacted by the mortgage company from the time of my sister 's death XX/XX/XXXX under the federal Garn-St. Germain Depository Institutions Act. I would have purchased the property at a better rate because I am a XXXX XXXX. I have made repeated phone calls and am told a supervisor would call. I received one call stating I would not be charged these fees because they made a mistake but I have gone from an initial payoff of XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called yesterday XX/XX/XXXX and the person said a supervisor would call immediately. No call. Help!!!!
Product: Debt collection

CAINE & WEINER ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAINE & WEINER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAINE & WEINER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I was a member of XXXX XXXX for a few years, in XX/XX/XXXX I had to cancel my credit card due to fraud. My XXXX XXXX fee was autocredited, they had contacted me and we worked this out. I cancelled my membership in late XX/XX/XXXX and had not heard anything from them in writing, by phone and email. All of the sudden in XX/XX/XXXX I am getting emails from XXXX XXXX of Professional Receival Solutions, then he also contacted my father. I called him and he continued to give me personal information that he should not know but told me he has " skip tracing '' and this is how they found my father and personal information about me. I asked him to give me the information XXXX XXXX sent them and he would not, he also told me that if I contacted XXXX XXXX they would not speak to me. Then I received an email from him with threats. I am very upset about this situation as I handled this issue and never heard another word and now 3 years later he is threatening me and telling me to find information from 3 years ago? I would at least expect to see the information from the debt collector showing I did not take care of my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : EQUIFAX : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX  XXXX Balance Owed : {$4300.00} XXXX  XXXX Balance Owed : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( XXXX, XXXX & XXXX ) but XXXX and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but XXXX and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe American Honda Finance {$8300.00} removed immediately before I am forced to seek further legal action.
Product: Debt collection

Synchrony Bank relies on incorrect credit information which they wo n't share. In addition they do n't return telephone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my property in XXXX XXXX Texas. XXXX shows that there is no debt now. However TransUnion and XXXX have not recorded the payoff which was over 6 months ago
Product: Credit reporting or other personal consumer reports

See attached documents. Remove this information that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX  Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Product: Mortgage

Our home was lost during the national disaster XXXX XXXX XXXX here in XXXX California on XX/XX/2020. I have been making monthly payments but can not continue to do so while actively looking for a place to live for my family and I, rental agency 's are NOT approving me because the mortgage is still shown in my debt to credit ratio. I've called multiple times not getting anywhere with anyone within the company. My insurance company paid out the claim on XX/XX/2020 and NewRez / ShellPoint was stating they hadn't received payment yet while using funds from this insurance payment for my XX/XX/2020 monthly payment ...

I've called countless times trying to see about a forbearance since there is no home on the property to live in, I was told I would receive a letter / email confirming this and have NOT heard back. No one is calling me back and this is causing EXTREME hardship to my family.
We have no where to live and this company is making my family suffer. I thought it was going to be difficult working with our insurance company and to my surprise the biggest obstacle has been the mortgage company.
Product: Mortgage

My life changed drastically back at the XXXX, and my payday changed also. I called and asked LoanCare if they would please move my due date out a few weeks. They refused stating it is a contractual agreement. Well, hello! Life freaking changes, how am I supposed to know we would have a tragic death in the family and that my employment would change. If this company has even an ounce of human compassion they would change my loan due date by 12 days, and it would n't hurt them in the least, but we are just a number to them. I ca n't wait to get my loan picked up by a VA refinancer. LoanCare is the worst mortgage company I have ever dealt with.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Afni, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX RE : XXXX XXXX  Balance {$710.00} Dear XXXX, XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Debt collection

I am in the process of closing on my home. I pulled my reports on  XXXX   XXXX ,    2017 and no tice this new collection from "  Jefferson Capital System '' add to  my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very  XXXX  about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. #  XXXX
Product: Mortgage

went into forbearance with Bank Of America. I sold the house and was charged XXXX. at the payoff.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24
Product: Mortgage

Concern : I called Quicken to look for opportunities to refinance my home which is mortgaged with XXXX. I was reluctant to permit Quicken for running a credit inquiry but they kept insisting that they will not be able to process until they run my credit report. During oral interview everything looked good and they asked for my consent to run a credit inquiry. I consented reluctantly as I had no choice then. Quicken ran a hard inquiry on my credit history. The hard inquiry shows very good credit history but did not show my XXXX as a lender. It never occurred to me ( and for that matter for any potential customer ) that my loss mitigation application with XXXX, although current with payments ( it may have not shown on my credit report ) and therefore I will be automatically disqualified. 
I am concerned as I was surprisingly never asked any question so that I could have avoided this during the interview. That was not fair as Quicken with few interview questions was quick to run my credit report. When I called to resolve this situation, they on the other hand blamed me for not letting them know. This matter can be resolved. 

Resolving this issue : My credit score has been seriously affected by this inquiry. I am humbly requesting a letter from Quicken to be submitted to the credit agencies to delete the hard inquiry from my credit report. 

Their answer : I apologize for missing your call. I can understand the frustration that was caused by your credit being pulled when we were not able to lend due to your loss mitigation. The credit impact can be XXXX points which can add up if you have multiple inquiries done in one year. The credit bureaus consider removal of credit if the credit was pulled fraudulently. 

Based off our findings, we do not find this to be a fraudulent pull. Quicken Loans obtained permissible purpose to pull credit for the intent of doing a refinance loan. It was n't until after credit was pulled, that discovery was made with the mortgage which would result in Quicken Loans not being able to lend. We share in your frustration that we did n't have an opportunity to lend at this time. However, the credit inquiry would not be removed as permissible purpose was obtained. 


If you have any additional questions or concerns, you can reach me directly ... .. 

My rebuttal : I respectfully disagree with your explanation. My credit report hard inquiry by Quicken Loan may not have been fraudulent because I consented, but note ( can pull our phone conversation records ) that I reluctantly consented as a consequence of introductory questions asked of me before coercion to participate into the credit report check process. 

Please note that my credit score is very good and would have otherwise qualified easily for a refinance and lending. As a unsuspecting consumer such as myself was not made aware for e.g., " loss mitigation '' process, BEFORE running my credit report, lending or not lending would have been out of question. But that did not happen. Unable to lend decision was orally conveyed to me after that fact. 

I am humbly requesting again that the hard inquiry be removed from my credit report. 
Thank you.
Product: Debt collection

On XX/XX/2023 I received a text message from XXXX XXXX debt collector of XXXX XXXX XXXXXXXX alleging that I owe a debt. Pursuant to 15 USC 1692g ( a ) ( 3 ) I am making it clear that I completely disagree with this alleged debt, and I am disputing the entire amount they are claiming I owe. I am disputing this alleged debt within 30 day period prescribed under 15 USC 1692g I am demanding they send me verification of this alleged debt or a copy of a judgment. Lastly, my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court 15 USC 1692g ( 2 ) ( c )
Product: Credit card

Someone called me from XXXX to report that I needed to pay my account for American Express. They wanted me to call them immediately and correct the problem. But I don't have an account and they repeatedly asked me for my address, Social Security number and phone number to verify my account. They verified that I don't have an account. But meanwhile, they now have my personal information and I believe this may be fraud because when I checked the American Express number, it is a different number. The number belongs to a XXXX XXXX. Please check to see if this is in fact fraudulent contact. Thank you. Just to reiterate, I don't have an account and never had one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was active military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. The other 2 bureaus are showing updated accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I did not authorize this account to be an open by any unauthorize person to do anything using my name or Social Security
Product: Money transfer, virtual currency, or money service

I tried to do online transfer on the Citibank website but I was told the information below. 

We cant let you access the application because some of your information duplicates another registered customer. Call XXXX for help. 

I don't know what is going on and why suddenly the online transfer to external banks does not work for me at the moment, and neither do I really care at the moment because I am closing the account soon, and I can write a check to get the funds transferred properly. The annoying fact is that Citi website does not allow me to delete my external bank accounts stored in Citi. 

The California Consumer Privacy Act ( CCPA ) states the following. 

If you are a California resident, you may ask businesses to disclose what personal information they have about you and what they do with that information, to delete your personal information and not to sell your personal information. You also have the right to be notified, before or at the point businesses collect your personal information, of the types of personal information they are collecting and what they may do with that information. Generally, businesses can not discriminate against you for exercising your rights under the CCPA. Businesses can not make you waive these rights, and any contract provision that says you waive these rights is unenforceable. 

You may request that businesses delete personal information they collected from you and to tell their service providers to do the same. However, there are many exceptions that allow businesses to keep your personal information. 


So I am writing to ask Citibank to delete my external bank account information for funds transfer purpose and let me know what is remaining on the external bank info. 

Also, I am not able to remove the recurring payment {$20.00} on XXXX of each month from the online website and chat with representatives on the website did not help, so I am also asking Citibank to delete this recurring payment.
Product: Mortgage

have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have wrong address info. I don't live at the address that's on my report, haven't sence 2020. Would like it changed.