23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

While XXXX XXXX from Carrington Mortgage Services states in her response to complaint number XXXX that Carrington Mortgage Services submitted ( an AUD ) form to the four major credit bureaus to REMOVE any negative credit remarks, that is in fact untrue. The form ( attached ) clearly shows that an " update '' was submitted, not a " deletion '' thus not removing anything from our credit report. XXXX XXXX, a manager in the Loan Servicing Department who was working with me, repeatedly ( on XX/XX/XXXX and XX/XX/XXXX ) said he would have the AUD form resubmitted to show " deleted '' instead of " updated '', and as of today ( XX/XX/XXXX ) I have no confirmation that he has done so. He promises to update me by " end of day '' and never does. Additionally, according to XXXX on XX/XX/XXXX, CMS reported our account delinquent AGAIN ( both on XX/XX/XXXX and XX/XX/XXXX ). According to XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX, they did not report us again, but our XXXX score went down 62 points in one day as a result of their second negative report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Diversified Consultants via the CFPB portal last year and received correspondence from them with Ref # XXXX stating that they would remove the collection from my credit report totaling {$2100.00} from XXXX. This collection keeps being deleted and reinserted on my credit report without my knowledge. In the letter, Diversified Consultants stated : " All collection efforts have ceased and XXXX XXXX will receive no further calls from DCI ''. I have attached that correspondence to this complaint once again. What DCI is doing is against the law.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I deposited {$5000.00} cash @ TD Bank ATM, XXXX XXXX XXXX XXXX MA XXXX, on XXXX XXXX ATM took the money but did not give me the receipt or the credit to my Account. I call the customer service number and waited one hour, but no one picked up the phone. At the time of deposit, the ATM did not function for about 1/2 hours, and someone came in to fix the ATM. I also spoke to that person and advised cash is there, and I will get credit on Monday when the store rep balances the ATM. I went to the branch on Monday, and the representative suggested filling out the dispute form, I also called the branch and call center the same day and advised the process being followed, and there is no one can do anything. It is truly frustrating and disappointing to know that a customer lost {$5000.00}, and finding takes seven days. This should have been straightforward research if one took ownership of the issue, cared about customer money, and tried to find out what happened instead of pushing the work to the process. 

Please review/research or do something and immediately provide the credit to my Account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX of XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX  XXXX .... Said accts have violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 u.s.c 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 u.s.c 1681 S-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 reporting, credit repair services, or other personal consumer reports

XXXX ) in XX/XX/XXXX, I refused to pay a {$140.00} termination fee when I canceled the cable service provided by XXXX XXXX because they removed channels representing about 50 % of the viewing time for my family without notice or compensation. 
XXXX ) In XX/XX/XXXX, XXXX sold the debt to a collection agent and the collector reported it to Transunion and other reporting agencies. 
XXXX ) In XX/XX/XXXX, a new collector, XXXX XXXX XXXX, obtained the debt and reported to TransUnion and XXXX as a NEW collection account. 
XXXX ) Although TransUnion has information of this collection is the same debt it reported in XX/XX/XXXX, TransUnion 's credit score algorithm treated this as a NEW collection account initiated in XX/XX/XXXX, instead of a continuation of the same debt which was initially reported in XX/XX/XXXX. This error has caused undue damage to me financially and socially. 
XXXX ) TransUnion refuse to correct the error after I complained 3 times.
Product: Credit reporting or other personal consumer reports

Good afternoon Ive reached out to each bureau directly to inform them of Mis information on my credit report. I have requested the original contracts fr the debt collector but they are refusing to follow the guidelines of the fcra accounts XXXX, XXXX, XXXX, XXXX these accounts are not mines and belong tho another consumer I have been affected by the XXXX XXXX breach, I have reached out several times and feel Im being ignored can you please help these inaccuracies are affecting my livelihood
Product: Mortgage

I am first time home buyer. I bought a short sale house from JP Morgan Chase. Seller 's property disclosure document ( Exhibit A ) provided false information. These issues were not found during inspection such as termites, Basement leak, Roof leak and dead trees in the premise. Buyer is interested to know what is recourse for the false disclosure made in the agreement. Buyer spent {$1800.00} for removing the dead trees alone. Buyer expects to compensate the monetary loss incurred by the buyer for fixing the issues. Attached pictures for evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim my account was late 4 times. My CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX and XXXX ) and reporting correctly on XXXX This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX I XXXX XXXX  ( Original Creditor : XXXX BXXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX OF XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

This is not a refusal to pay an alleged debt! Collection Bureau of Hudson Valley claims that I am obligated to pay them an alleged debt. Collection Bureau of Hudson Valley shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If Collection Bureau of Hudson Valley can not provide the original instrument or proof that it still exists, then Collection Bureau of Hudson Valley shall send me an original statement affirming that Collection Bureau of Hudson Valley did not sell the original instrument because if Collection Bureau of Hudson Valley didn't sell the original signed instrument of indebtedness ; then Collection Bureau of Hudson Valley should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when Collection Bureau of Hudson Valley produces original instrument or proof that it has not been sold that proves that I am obligated to pay Collection Bureau of Hudson Valley. Also please produce the trilateral contract between me ( consumer ), optimum, and Collection Bureau of the Hudson Valley that shows I agreed to do business with Collection Bureau of the Hudson Valley along with Optimum or on behalf of optimum. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 3 accounts on my credit report that I DID NOT OPEN OR GIVE PERMISSON to open. Along with these fraudulent accounts inquires also are fraudulently on my credit report. 

ACCOUNTS NEEDED TO BE PERMENTLY REMOVED FROM MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX FRAUD XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX INQUIRIES NEEDED TO BE PERMENTLY REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my XXXX XXXX, Equifax, and XXXX credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have emailed Grain multiple times starting on XX/XX/2021 to change my bank account on file so my payments can be on time. I received no response and its now XX/XX/2021. I have called them multiple times, nobody ever picks up the phone, I have texted them multiple times, no response. I have emailed them on XX/XX/2021, XX/XX/2021, and now today XX/XX/2021 and no response. I really dont want them reporting this to the credit bureaus because I am actually trying to fix this and pay my now past due balance because nobody would ever help me. My connected XXXX XXXX XXXX account is closed!!!! So payments will be returned. Once they report that my supposedly past due to the credit bureaus, that needs to be reversed because this is ridiculous and they are refusing payment and are refusing to update my bank account. Since they wont get back to me. This leaves no choice to file this complaint.
Product: Debt collection

G C services has placed XXXX collection back on my credit after it was disputed and removed in 2021 as is Account is not in my name and doesnt belongs to me. Im in the process of home buying and this is not a good look on my report. My names is XXXX XXXX and this account is not mines please have it removed. my score dropped tremendously from this collection that doesnt belongs to me. Please verify info on the account as its doesnt match mines Ive contacted and dispute collections with all 3 bureaus and the collection agency however its still reporting.
Product: Debt collection

On XX/XX/2019. My niece got a call saying that the Sheriffs would be out in an hour or so to arrest me. So I called the phone # back & I talked to a guy named XXXX from XXXX XXXX XXXX XXXX in which he never enclosed who the debt was from or even what company he worked for. He just said I owe {$3900.00} & wanted pymt. He threatened me with the Sheriffs coming out & getting a judgement against me, plus going to my place of employment to get a 25 % garnishment if I didnt pay the debt that day. I told him I didnt have it & that. But he kept on threatening me & intimating me. So I ended up paying {$390.00} so I could sent up a {$100.00} monthly pymt plan. This debt is at least XXXX old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for a credit monitor service through Experian in order to improve my credit score for the purposes of purchasing a home. The credit simulator provided by the company is said to predict your score based on different scenarios. One such scenario was to pay down/pay off credit cards, which I did and reduced by revolving credit below 30 %. This was supposed to increase my credit score 16 points. However, when this was reflected on my account, my score did not change. For the past few months I have paid approximately {$7000.00} off in debt to improve my credit score based on this simulator to prepare myself for a home purchase. However, my score did not change as predicted for nearly all of these payoffs/reduced balances etc ... despite showing up on the Experian report. The frustration is that the money could have been used for savings and other immediate family purposes and the other bills paid were not behind and were going to be paid off soon but was hoping to improve my interest rate slightly. This is unacceptable. This company generates its own score and should be able to predict how it will change when things are reported. Furthermore, you're paying for a service that holds you hostage as a consumer and have no real choice but to abide by this antiquated system. The fact that their simulator was misleading and did not accurately predict my score now made me lose money that could have been used on a downpayment for a home since I am still within the same range that will dictate my interest rate. The service is a scam.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box.

The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it.

From my online account, I was able to see that someone signed on the back of the check and encashed it.

My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX.

I got the affidavit signed by myself and also from the Manager of XXXX XXXX.

I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does.

I don't have any options.

I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check.

Both the banks are leaving me optionless and CFPB is my last resort. Pls help me
Product: Checking or savings account

I opened an account with Truist online I founded the account with {$50.00} The day after the account was opened my account was blocked. 
Truist stopped all credit and debits on my account and referred me over to XXXX XXXX XXXX. 
XXXX XXXX XXXX took a couple weeks to reach back out to me and finally I couldnt even see whats on my record. I went to the branch and the teller told me infront of other clients my account was closed on fraud. The banker stated she had to submit a form because I was asking her to refund XXXX msf that were charged on my account a total of XXXX . She said I shouldve opened the account with XXXX to avoid any fees. She said she would submit a refund form but never got in touch with me. I called customer service a week ago never got a call back. I just want my money back because I was charged for an account incorrectly.
Product: Credit reporting or other personal consumer reports

In XXXX I applied for a personal loan with Sofi. This loan was paid in full and the account was closed in XXXX, XXXX. I have continued to be harassed on a monthly basis for the past FIVE YEARS from Sofi with offers of credit and preapprovals. They have followed me through 3 separate moves including an out of state move. I have opted out numerous times directly with Sofi, and have generally opted out at the federal level. In XXXX I began XXXX mail monitoring and have documentation showing that I have had inbound mail from Sofi ONCE A MONTH since that time. I have contacted the company via email and via phone. They claim I have been removed, and yet here I am today, XX/XX/XXXX, with yet another piece of mail from them telling me it's urgent I open the envelope and get a credit product from them. 

Additionally and more importantly, this company is pulling my credit via soft pull on nearly a monthly basis. They do not have a permissible purpose/use under FCRA as I am not their customer and have not been for five years. I have asked them to stop, in writing, and they continue. I sent them my name, address, and DOB and asked them to stop 6 months ago and they have not stopped.