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

I have a charge-off reporting on my credit file with Experian. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.
Product: Money transfer, virtual currency, or money service

Cash qpp is holding my money and has cause my carnote to be behind. It's even sitting for XXXX weeks I have went back and forth with XXXX. They removed my email from my account without my promission. And I have sent the requested information XXXX XXXX XXXX to new account they made me create XXXX
Product: Credit reporting or other personal consumer reports

Trident Asset Managements response to CFPB ID # XXXX stating that the debt has been " verified '' is insufficient and does not satisfy the legal standard required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Merely asserting verification without providing documentation from the original creditor does not constitute proper validation. Furthermore, the balance you are reporting is inconsistent, with my credit report listing {$780.00} while you claim it is {$780.00}. A collection agency is legally required to report the exact amount owed and can not arbitrarily round or alter balances. Under 15 U.S.C. 1681s-2, all information furnished to consumer reporting agencies must be accurate and verifiable. Any inflated, rounded, or incorrect amounts may be considered false or misleading, violating FDCPA 807 ( 2 ) ( A ).

When I contacted the original creditor regarding this account, they could not verify the debt or confirm the balance you are reporting. If the original creditor can not validate this debt, then neither can you, making your continued reporting a clear violation of the FCRA. Also keep in mind that the statute of limitations in the state of Texas is 4 years. If the debt is beyond the XXXX, I am not legally required to pay it given my rights with a time-barred debt. Since you have failed to provide proper validation, I demand the immediate deletion of this account from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ). Attached is the true bill, which contradicts your claim. If this account is not removed within 30 days, I will escalate this matter further, including seeking monetary damages for your violations of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.
Product: Mortgage

I recieved a letter from McCue Mortgage dated XX/XX/2020 that my payment was 15 days late. I called the company on Thurs., XX/XX/2020 and they said that they just recieved my payment. I said I was confused because I always pay a month ahead of my due date. The check they recieved was supposed to be due XX/XX/2020 not XX/XX/2020. They then sent me a listing of all my payments for the past year. 

I discovered that the extra {$20.00} I sent in every month for escrow was being applied to my principal and not my escrow. I also discovered that check # XXXX, which was cashed on XX/XX/2020 was never applied to my account. 

I was then informed that the money had been misappropriated to my escrow account. Then, in XXXX they issued me a check for {$710.00} for an over funding my escrow. 
Essentially, the mortgage company is misappropriating funds between my escrow and my principal, and now I am a month behind in my payments. 

When I asked for an explanation as to how and why this has happened, I was hung up on my the manager of the service department. I have since reached out to two Vice Presidents.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681section 604a section 2 it also states the consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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.
Product: Credit card or prepaid card

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, DISCOVER FINANCIAL SERVI failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Debt collection

XXXX XXXX XXXX stated they were not a debt collection company. They were working to negotiate a resolution for a debt that was from 2004. The first woman was very rude and kept hanging up when I tried to get additional information. They have called my mother, wife, father, and one of my brothers ( at this point ). I did ask them to stop all contact. I still have no idea what the supposed debt is for. The representative also told me that they are going to do a review of my assets to determine what they will take to resolve this and that a public judgement will be issued against me that my neighbors can see. I believe this is a scam and not sure of this is a reputable company.
Product: Debt collection

In the state of Arizona, a debt collection agency must have an license and bond from Arizona in order to perform business within the state of Arizona. Complete Credit Solutions does not possess either requirement as of XX/XX/XXXX. Complete Credit Solutions has been attempting to collect a debt that they have not validated to be mine beginning XX/XX/XXXX.
Product: Mortgage

We started the home buying process XXXX 2015. The home we were buying was to close on XXXX XXXX, 2015. We had some trouble with VA underwriting and ended up closing on XXXX XXXX, 2015. My husband and I signed all closing docs on XXXX XXXX, 2015 at North American Title. Our sellers and agent picked the title company. We had never used them before. On page XXXX of XXXX of the residential purchase agreement the seller was to pay all HOA fees. We also asked for a home warranty up to {$750.00}. The sellers agreed and signed. The sellers were represented by XXXX XXXX XXXX. Everything was signed and agreed upon before we signed the closing docs. On XXXX XXXX XXXX our agent XXXX XXXX contacted us stating that the sellers/ relo company refused to pay the HOA fees totaling {$220.00}. The sellers agent, XXXX XXXX of Simply XXXX, stated if we did n't sign that she had XXXX other agents waiting for the house to fall out of escrow. We had no other choice, being under duress, but to pay the fees. Our agent reached out to the relocation company to get reimbursement and they refused. XXXX then contacted title who stated XXXX XXXX should have paid the fees. In e-mails between North American Title and Allegiance Relo we found out that North American Title had changed the docs after we had signed them. The sellers were to pay the fees yet someone in title had crossed out seller and written buyer unbeknown to us! There are e-mails between XXXX XXXX at North American Title and XXXX at XXXX that were XXXX to us. We have yet to get any documentation on our home warranty policy as well. Title left it out of the closing documents on the XXXX. I contacted my agent XXXX XXXX on the XXXX XXXX, 2015 about the home warranty.
Product: Prepaid card

Im XXXX and my ex wife has been stealing my money and identity to use me and ruin my life
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XX/XX/XXXXXX/XX/XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my XXXX and XXXX reports.

CITIZENS ONE HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Date Opened: XX/XX/XXXX Responsibility: Individual Account Account Type: Mortgage Account 
Loan Type: SECOND MORTGAGE Date Updated: XX/XX/XXXX Payment Received: XXXX
Last Payment Made: XX/XX/XXXX Original ChargeOff: XXXXXXXX
Pay Status: >Account paid in Full; was a Charge-off< Terms: XXXX per month, paid Monthly for 180 months Date Closed: XX/XX/XXXX >Maximum Delinquency of 120 days inXX/XX/XXXX and in XX/XX/XXXXfor XXXX< High Balance: High balance of XXXX from XX/XX/XXXX toXX/XX/XXXX; XXXX from XX/XX/XXXX toXX/XX/XXXX Estimated month and year that this item will be removed: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

The presence of this account has caused me significant XXXX, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting or other personal consumer reports

Multiple investigations & Inaccuracies in Reporting on Account XXXX XXXX XXXX XXXX XXXX I am writing to address the persistent inaccuracies in reporting on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Despite repeated requests, provision of evidence, and submission of screenshots clearly illustrating the inaccuracies, the account has been inaccurately verified multiple times. This egregious oversight constitutes a violation of my rights as a consumer under the 15 U.S. Code 1681i. 

According to the law, consumer reporting agencies are mandated to conduct a reasonable reinvestigation when disputed information is brought to their attention. Furthermore, any found inaccuracies or unverifiable data must be promptly deleted or corrected. 

However, in addition to the previously mentioned inaccuracies, there are further discrepancies exacerbating the situation. Specifically, XXXX is erroneously reporting the account as a XXXX XXXX account, while XXXX and TransUnion correctly identify it as an XXXX XXXX  account. Additionally, the account number provided by XXXX ends in # XXXX, whereas both XXXX and TransUnion report the same account with a different number. 

These glaring inconsistencies compound the severity of the situation. It is evident that there are multiple inaccuracies within the reporting system, severely impacting my financial standing and rights as a consumer. 

I demand immediate and thorough action in accordance with the law. The inaccuracies on my account must be rectified, and the account itself should be deleted if it can not be verified accurately. Failure to comply will result in further escalation of this matter to the appropriate regulatory bodies and legal authorities. 

Please be advised that I will be resubmitting the screenshots to illustrate the inaccuracies once more. This represents the final attempt to resolve this issue directly. Should no satisfactory resolution be achieved, I will have no choice but to seek legal counsel to address these violations and pursue appropriate remedies. 

I expect prompt and decisive action to rectify this matter and restore accuracy to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).
Product: Debt collection

I am behind in my payment to Lendmark Financial Services. I spoke with then 2 weeks ago and explained the situation and that I would make a payment as soon as possible. they continue to call multiple times a day, leave me messages and now are calling my references. I spoke with XXXX today who was rude. When I told them to stop repeat calling and to stop calling my references, I was told they had every right to keep calling and will continue to do so. I told her 3 times to cease calls, she said they will not. I advised this is unfair collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting I have outstanding late payments. I have filed a dispute with 3 credit bureaus. Experian is the only one still reporting these negative remarks
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Inaccurate & Unverifiable Account Reporting From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX DearCFPB, I am disputing an inaccurate and unverifiable account appearing on my credit report. Below are the details of the account in question : Creditor XXXX XXXX  Account Status : Charge-Off ( Transferred ) Balance : {$0.00} Credit Limit : {$700.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This account is being reported inaccurately and violates 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I am requesting the complete deletion of this account for the following reasons : Unverifiable Debt ( 609 FCRA ) Please provide a signed credit agreement, itemized statements, and proof of charge-off balance calculations. Since the balance is {$0.00}, this debt is not valid for reporting and must be deleted.

Inaccurate Reporting ( 623 FCRA ) A charge-off with a {$0.00} balance is misleading and inaccurate, as the account was transferred and is no longer an active obligation. 
Consumer Data Breaches XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Issues ) If my personal information was compromised, fraudulent transactions may have led to the charge-off.

Unfair Debt Collection Practices ( FDCPA Violation ) Reporting a {$0.00} balance charge-off may be an attempt to influence my credit score negatively without a valid collection claim.

Failure to Notify per FACTA ( 15 U.S.C. 1681c-1 ) If Fingerhut/WebBank failed to notify me properly, they may be in violation of FACTA guidelines. 
Per FCRA regulations, you have 30 days to investigate and correct this matter. If this debt can not be verified, it must be deleted from my credit report. 

Please send a written confirmation of the investigation results to my address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Mortgage

The information provided generated more questions than answers. I was told the fees go back to 2018. I am confused ; Why would a company continue to extend the fees each month instead of recouping the fees as soon as possible? I was told by SPS 's representative that this practice is one that all mortgage companies use ; however, I have never seen anything like this and my mortgage has changed companies on at least 3 occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX reporting late pays on equifax in the year XXXX and XXXX however i didnt have any lates since XXXX, please remove these incorrect reportings asap these are incorrect. I attached a copy of my equifax report to show this however i was never late or received any late notices, i remember an issue awhile ago where XXXX XXXX was not sending me information however that was resolved in house at XXXX and the late fees were removed i need complete verification and deletion i thought this issue beeeeeen resolved i have any documents u may need me to provide asap this is not good to have been on my credit this long and i was unaware of it
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX, Transunion, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/2024, Transunion is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/2024 and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than 2 payments past due while showing XXXX late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.
Product: Vehicle loan or lease

I paid off my XXXX XXXX XXXX XXXX in XXXX XXXX XXXX loan ) I immediately contacted Wells Fargo ( The lender ) because I wanted to sell the vehicle. I was told the lien would be electronically released, and I would receive a paper title within 7-10 days.When that didn't happen, i called back, SEVERAL TIMES, after the 5-5th phone call, i asked to speak with a supervisor. After 2 more calls of being told a supervisor would call me back, I contacted my local XXXX. I was advised there is NO HOLDS on the vehicle except the lien from wells fargo, and all they have to do it release it. every time i call them, they give me a different reason why its not released ( none that are my issue ) for example, these are the reasons in order I've been given.

1. Because of Covid, the XXXX XXXX  department is backed up.

2. ( one week later ) because we moved from XXXX  state where it was purchased to XXXX  state when it was paid off, that the title is being held by XXXX state. 
so then i contacted XXXX  state, and they told me they do not have a title and have not since XXXX when we moved. 
3. then i was told they have attempted to release the hold 4 times, and it isn't their fault, that VA XXXX has a hold on it. 
of course i cant just walk into VA XXXX, so i mailed all the info to them, and I received a call from the XXXX rep at Va XXXX electronic XXXX department. she told me, there is NO LIEN on the vehicle except wells fargo, and if they are having issues all they have to do is call them and they can fix it. but she didnt see any reason why they would have an issue. 
4. i then called back and was told by another rep that it was some other issue related to their software, and she would have a manager contact me within 48 hours.

5. I waited one week, and today i was told that the title was in " XXXX XXXXXXXX '' and it was being held by XXXX  AGAIN, i called XXXX state back AGAIN and was told again that it was not true. 
6. so i called back again, ( 8 weeks now of these back to back calls ) and the rep was rude and nasty. she said now that it was an issue with Wa issuing a paper title to VA instead of them first, and that she was escalating the case ( same words I've heard 4 times now ) to a manager to fix it. 

i need to sell this vehicle, and can not without a title. i paid off the vehicle early just so i could sell it. i paid every payment early or on time, and i cant get a straight answer at all.

I have owned dealerships, and i have been the lienholder on 100 's of loans, and i know how easy it is to release a lien. so that is why i am so frustrated. all they have to do is literally log into dmv site for lien holders and click a lien release button.

I just want my title.