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

I am writing to formally dispute a late payment entry that appears on my credit report. This inaccurate information is harming my creditworthiness, and I am requesting that you investigate and correct this error promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the disputed item : Creditor/Lender Name : XXXX XXXX Account Number : Ending in XXXX Date of Alleged Late Payment : XX/XX/year> I believe this late payment entry is incorrect because I made the payment on time, as I have for the last 2 lease terms. I called XXXX to state that the funds were not debited from my account mid-month. I then sent two payments to avoid any problem. I sent supporting documentation of the canceled checks. 
I have disputed this in writing and online with no luck at all.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, {$1000.00}. I initiated a {$1000.00} transfer through remitly, which was promised to be delivered to my XXXX bank account on XXXX of XXXX XXXX. I received numerous emails asking for SSN, passport copy and Driver 's license and even after providing that and following up with them more than 3 times through their customer service, the money was not transferred at all. Finally I had to cancel the transaction. Dealing with them has caused me frustration, time loss and opportunity loss, since I had to make this money available to my friend who was in need. On the other hand, the customer service representatives or the company 's system/people who approves the transaction was not even apologetic for their action/delay.
Product: Payday loan, title loan, personal loan, or advance loan

We have been trying to file a complete package to get a loss mitigation with Gregory funding for the last year and a half. Every time we reach out we have to wait XXXX XXXX to XXXX hours on hold to hear which document they can not read or can read, depending on the individual who answers. 

They are avoiding helping us get the XXXX XXXX XXXX XXXX, which they are listed on as a Lender on the pull down list. 
We have equity in our home and every time they have again and again said that they can not read this document or this letter ect. 
I have a third-party nonprofit that has fax, uploaded on the website and emailed. 

Gregory funding has denied us from saving our home. We hired a lawyer and since the last 2 weeks now they have receive the loss mitigation/loan modification package, everything illegible every single page complete, but we are too far behind. 

They will not except our package due to a high pass balance, and denial of which they have pushed off and avoided to help us since covid. We have fill out every form they have ask for and upload and called multiple times a week. I have also requested phone records and submission packets and havent received any response. They locked me out of my account so I could not upload any documents, said it was under construction. 

Gregory funding is taking a vantage of our family of XXXX, please do not let this company continue to push families out of their homes and communities. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a letter about an unpaid debt ( which is not real - I have no unpaid debts ). The letter threatened wage garnishment unless I paid them, or I could give them all my dependents ' names and Social Security numbers to have the amount reduced. This is an incredibly obvious scam, but I can see people still falling for it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, 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. These fraudulent accounts consist of XXXX personal credit card accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

The last communication from SSFCU mortgage was about applying for hardship. They did not move forward because of missing bank statements. I don't have XXXX piece of mail or a voicemail asking for these documents. I did not find out I was missing bank statements until I called. While on the phone XXXX weeks ago, the rep stated she would send the hardship packet again and asked me to send in the bank statements. She never mentioned my house was about to go into foreclosure. I have not received any voicemails, or letters about my home going into foreclosure. I feel misled. The statement I got in the mail yesterday is deceptive because it asks me to pay and does not mention anywhere that foreclosure has begun. I got approved for a XXXX withdrawal but it will not be enough to cover attorney fees. I can only pay the amount on XXXX 's loan statement I received yesterday. Every time I call the mortgage, I get re-routed to a collection team and they ask the same questions like, why I became behind, and they choose to get through the same script rather than helping. It is a nightmare calling their mortgage. It's long phone calls before you can speak to anyone and once you do it's a collection team saying the same script that you've heard over and over. Then after their repeated question, they just might transfer you to the mortgage servicing team. It's not a good experience at all and I only feel it is designed this way to deter borrowers from calling them. I tried to send documents to their email and I got a reply email saying the mailbox is full. I did not get a fair opportunity for hardship from them, they never sent XXXX letter saying my home was going into foreclosure, not XXXX voice mail saying my home was going into foreclosure. Again, it is a nightmare calling them and speaking to anyone that will help. You will get re routed, asked the same XXXX questions over and over, and then transferred. An easy hour out of your day wasted to call them.
Product: Credit reporting or other personal consumer reports

My credit score on XXXX and XXXX is around XXXX. On Experian it is significantly lower, XXXX. Experian has previously told me that in order for them to raise it I have to sign up for their service. My score remains about XXXX points below the other two agencies yet all the information is the same. I asked for information as to why this continues and Epxerian has refused to respond to my two requests. They did send an email for a survey of how they did handling my issue. They never handled the issue. 

I understand that scores will vary but they should be close. It seems that XXXX points is significant and that my score is being lowered because I will not pay for their services or sign up for additional services.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries ; they're beyond my knowledge, and the company acted without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to see about getting a car when they informed me of a freeze on the account/credit which I am aware of, however when I used the login information for the specific Experian credit reporter it said incorrect login. I tried to reset password despite having it written down previously from XXXX  when freeze was originally placed. I noticed that the email associated was not mine. I have attached the original police report from XXXX when the identity theft first begin and was never followed up on after. I on my own applied the freeze to help as some form of security to protect my credit, and now someone else has access to it who is not me. I need to be contacted as soon as possible to see about this due to me being in a moving transition along with trying to purchase a car making it very difficult with this on going issue.
Product: Credit reporting or other personal consumer reports

After requesting the delinquency notice from said creditor ( XXXX XXXX ) I received it via email from a XXXX XXXX. After looking over it to its entirety, I noticed that the delinquency notice had a XXXX digit account number different from the XXXX to XXXX digit account number that XXXX XXXX clearly states on its website that I should have. I was then told in my previous complaint that the XXXX digit account number could also be used per XXXX when calling XXXX. But where does it state that in the sales contract? Where are either of the account numbers even listed on the sales contract? Which Ive also ready to its entirety! Why is a car that was sold at an auction still in a charged off status on my credit report. A charge off is for a loss & Y'all havent lost XXXX. So wouldnt that technically be a repossession? Again INACCURATE INFORMATION. 

I accept no contract or responsibility of a contract unless it can be shown to be lawful by meeting the XXXX essential conditions of a lawful binding contract, which are 1. Full disclosure showing where I was told that I was actually creating the credit with my wet ink signature 2. Equal consideration ( XXXX brought nothing of value to the table so they had nothing to lose ) 3. Lawful Terms and Conditions ( Mine were based on fraud ) and 4. The wet ink signatures of both parties ( A corporation, which is a soul-less legal fiction, cant sign because they have no right or MIND ; and furthermore, no third party can sign or bind a contract on their behalf ). 

I will keep pushing this issue and make as many reports as I need until this inaccurate information is removed. Thanks 15 U.S.C. 1681i
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX XXXX and Experian or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX XXXX XXXX and Experian ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

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  - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center
Product: Credit card

I had a Discover credit card for decades always in good standing. 

My wife has been in a XXXX XXXX  for over a year and now under XXXX  XXXX. I called Discover in XXXX of XXXX to request that her name be removed from the card. I was advised they could not do that, that I would have to cancel that card and request a new card under just my name. 

So I followed their advise and canceled the card which included my wife 's name. I then requested a new Discover card, as they recommended, under just my name XXXX XXXX. I applied for the new card the SAME day that I canceled as they advised me to do. Discover personnel, then informed me they would NOT approve the new card because my credit report indicated that I had only 2 credit cards to my name! 

I'm XXXX XXXX XXXX and used this card to pay most of my bills. When the card was canceled there were numerous outstanding automatic charges that hadn't processed and I did not know what they were. Therefore, I started to receive notices of non-payment with added penalty fees. 

I personally think the reason they denied the new card was NOT valid. I think the real reason they denied it was because they had paid out too much in rewards to me and they wanted to dump me. 

As I stated, I had this card for decades. I always paid the full balance due monthly and on time. 

This has created a great hardship for me. It took me over a week to receive a new card from another source my bank... XXXX XXXX. This has been very inconvient to say the least, I still have no idea of automated payments that may have been denied. 

I have destroyed the card and can't provide the complete card number. 

The card was under the name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number ending in XXXX
Product: Debt collection

Southwest Credit Systems keeps using different phone numbers to contact me. When calling nothing is said, not a single word, and after a few seconds to a minute the call is ended. I Called back and found out the company, SWC Group, so I'm assuming they think that I owe a debt, which is fine, but getting in contact with them is impossible. 

So far they've called from : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX They have not said a single word over the phone. I have not received any correspondence in the form of mail or email about the debt. I'm not even sure if there is a debt in collections as I feel I've been making payments on everything in a timely manner. If there is a debt, I dispute it until they can validate it. I tried talking to someone, to get the debt validated, and I have yet to have a single response.
Product: Credit card

XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.
Product: Debt collection

On or about XX/XX/2023, I received a validation notice from Sunrise Credit Services , Inc to collect on a debt. The notice provided until XX/XX/XXXX to dispute the debt ( the validation period end date ). 

On or about XX/XX/2023, verification of debt was requested via e-mail triggering the XXXX validation period. However, on or about XX/XX/2023, the collector reported the debt delinquent to the Credit Bureaus. This is before the validation period end date of XX/XX/XXXX and before my verification request of XX/XX/XXXX. 

Although the FDCPA may not explicitly require the debt collector retract or modify a report of delinquency made before the verification request, the requirement to cease collection activities until verification is provided still applies under the FDCPA. 

Here, Sunrise Credit Services intentionally tried to bypass the timing requirements of debt validation under FDCPA by reporting the account delinquent to the Credit Bureau 's prior to the validation period end date. This practice deprives all consumers a meaningful opportunity to dispute the debt and obtain verification. This practice further assumes that the alleged debt is valid and results in a substantially decreased credit score. 

Sunrise Credit Services was provided an opportunity to correct the mistake and has explicitly refused to retract delinquent reporting as of XX/XX/2023. 

As result of this deceptive but intentional practice by Sunrise Credit Services, I have suffered a loss in FICO score of at least XXXX XXXX, lost my ability to purchase a house and suffered substantial emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB ; CRA 'S ; XXXX XXXXXXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am client with Equifax XXXX for credit report i paid XXXX $ and XXXX $ respectively for credit report which i have got the report. Now i want to cancel my subscription also remove my credit card details. In their online service website doesnt have options to cancel the subscription nor they have option to delete my credit card details. since they provide credit report online and take payment online. Why they do not have option to cancel the subscription. When i spoke to them they do not have supervisor or manager to answer my questions no they have call transfer facility. They always technical difficulties. I feel scammed reason being they do not operate 24/7. Refused to proceed my request to cancel the subscription on my first call.
Product: Credit card

I opened a dispute with Discovery Credit Card against the XXXX this Merchant charged me {$270.00} when They towed My car and they did it improperly damaging the rear differential on my XXXX, Discovery Credit Card Dispute department denied to assist me to clear up this charge saying the Charge is valid, Their department when I spoke today with a representative with the name of XXXX said to me the charge is valid if I want to dispute it I have to do it directly with the merchant, I told him I 'd dispute with the merchant If I would had paid directly with my personal Check or Cash money, This is not the case I believe using Discovery Credit Card I have some rights under FAIR CREDIT BILLING ACT. 
Using the same card agreement Statement I have with Discovery They do n't want to honor it as it says : 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address ; and ( b ) the purchase price must have been more than {$50.00}. 
I believe I meet the criteria above the same one I found : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Please see attached correspondence. 

Thank you in advance for your efforts. 

Very respectfully, XXXX XXXX
Product: Mortgage

I have successfully completed a trial modification program with with first mortgage holder - XXXX/XXXX XXXX. As a pre-condition for receiving a final permanent modification, my first mortgage holder is requiring the XXXX mortgage holder - SHELLPOINT MORTGAGE SERVICING - issue a subordination agreement. Shellpoint acknowledges that its equity position is not being affected by the permanent modification nor the requirement for a subordination agreement. Shellpoint makes the vicious and unsubstantiated claim that " it is not needed. '' This claim is vicious because : Shellpoint agrees that its position is not affected AND it 's failure to issue a subordination agreement will result in the fact that I will lose my home in a foreclosure sale. Shellpoint is the sole and only reason for my inability to finalize my permanent modification agreement. Shellpoint 's actions are without justification.
Product: Debt collection

Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Amount : {$2400.00} According to 15 U.S.Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.