23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive requested the original lease agreement as well as the renewals for all years, especially the year XXXX when the eviction took place. Ive only received an expired lease from CBSA, from the years XXXX to XXXX. 

On this documentation, they typed in my name, etched it out and wrote it in and misspelled my last name. ( page 1, item 1 of lease contract ) They also forged my name under occupants not signing lease. Indicating that Im not the lien holder. ( Page 1, item 2 of leasing contract. ) They placed my initials under initials of our representatives, which is for the property management to sign, not an occupant. ( Page 2, 3, 4 & 5 at the very bottom. ) They also forged my name again on the last page of the lease and social security number. They also failed to put a date in too. They not only forged my name but a sibling of mine as well. ( Page 6 of leasing document, bottom right of page. ) I am demanding that they produce non-tampered, original renewal leases, from ALL YEARS. Especially from the year XXXX, the year of the eviction and the eviction documentation. 

Theres no payment history from me in the year XXXX which further proves the inaccuracy. 

They have been producing fraudulent documentation to not only all credit reporting agencies, but to you as well. I am demanding that CFPB to actually LOOK at the documents instead of taking their word. Protect me not them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Mortgage

I received a letter on XX/XX/XXXX from my local tax department stating that my property taxes were delinquent. My taxes are held and paid from an escrow account with my mortgage company, Regions. I reviewed the property tax section of my Regions account and saw where an amount was paid that did not match my original property tax bill. I contacted my local tax office and they stated that no payment had been made to my account. I contacted Regions and customer service stated that the parcel ID number on my Regions account differed from the one on my tax bill and county GIS, and they are unsure what account the money from my escrow account was paid to. I was informed that Regions would be responsible for any fees and penalties related to this bill being that the issue was on their end. I have spoken with numerous customer service reps over the last week and a half that assured me this issue was being reviewed by Regions tax service and that the bill would be paid before the due date. I received a call from Regions customer service today stating that they have been attempting to get an update from their tax service for two days but they have not received a response from them, so they could not guarantee the bill would be paid on time. Due to this and threats from my county tax department of foreclosure, wage garnishment, and having my name posted in the newspaper, I paid the full property tax amount out-of-pocket, which was over {$3200.00}. Outside of paying the bill and penalties on time, which they failed to do, Regions has not offered a resolution to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX showing written off..information is incorrect it is included in XXXX  XXXX They sold to a creditor when it is included in bankruptcy and should be XXXX  balance. Illegal reporting XXXX was paid off it is showing written off i desire all information be deleted for incorrect reporting
Product: Credit card

On XX/XX/year>, someone made a purchase with my credit card without my authorization. I immediately notified Wells Fargo about this fraudulent transaction. However, Wells Fargo refused to investigate the fraudulent charge and is holding me responsible, despite my explanation that I did not make this purchase.
Product: Debt collection

Contacted by XXXX XXXX XXXX in XX/XX/year> about outstanding debt. Representative gave me the name of " XXXX XXXX. '' XXXX XXXX removed my name from the account. XXXX XXXX 's address ( XXXX XXXX XXXX, XXXXXXXX XXXX  ) started showing on my credit reports. The collection agency XXXX XXXX XXXX has been trying to collect {$2800.00} on behalf of XXXX XXXX XXXX. I have not ever used this company. 
I filed an FTC XXXX, XXXX police report, FTC Identity Theft report, reported to the credit bureaus, contacted the collection agency, and XXXX XXXX XXXX. XXXX said the debt is XXXX XXXX mine. I do not live in XXXX  and was not there at the time the service was provided in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Experian and XXXX regarding XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX to which I never received a response. I resubmitted the disagreement because the year this account was opened, I was XXXX  with the Texas Department of Criminal Justice at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Experian, XXXX, and XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Mortgage

My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI. 

On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications. 

On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX. 

I have not missed or been late on any payments and my account is on auto-pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX : FORMAL DISPUTE OF INACCURATE INFORMATION THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX The reporting data for this account is incorrect and must be removed. XXXX is reporting the DATE LAST ACTIVE as XX/XX/XXXX. TransUnion reports date LAST ACTIVE as XX/XX/XXXX. XXXX reports date LAST ACTIVE as XX/XX/XXXX. XXXX is also reporting the date LAST REPORTED as XX/XX/XXXX. This is not consistent or accurate with the other reporting bureaus and must be removed. TransUnion date LAST REPORTED is XX/XX/XXXX. XXXX  date LAST REPORTED is XX/XX/XXXX. XXXX reports the DATE OPENED as XX/XX/XXXX while TRANSUNION reports this date as XX/XX/XXXX. THIS INFORMATION IS INACCURATE AND IS ACTIVELY DAMAGING MY FINANCIAL LIVELIHOOD AND MUST BE DELETED! 

XXXX XXXX XXXXXXXX The reporting data for this account is incorrect and must be removed. XXXX is reporting the DATE LAST ACTIVE as XX/XX/XXXX. TransUnion reports date LAST ACTIVE as XX/XX/XXXX. XXXX reports date LAST ACTIVE as XX/XX/XXXX. XXXX is also reporting the date LAST REPORTED as XX/XX/XXXX. This is not consistent or accurate with the other reporting bureaus and must be removed. TransUnion date LAST REPORTED is XX/XX/XXXX. XXXX  date LAST REPORTED is XX/XX/XXXX. THIS INFORMATION IS INACCURATE AND IS ACTIVELY DAMAGING MY FINANCIAL LIVELIHOOD AND MUST BE DELETED! 

According to fair credit reporting act, 609. disclosures to consumers [ 15 U.S.C. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me. THIS IS NOT A REQUEST FOR VERIFICATION OF DEBT, THIS IS A DEMAND FOR DELETION DUE TO INACCURACY. FAILURE TO DO SO WILL IMMEDIATELY RESULT IN FILING OF A FORMAL FTC COMPLAINT AGAINST YOUR AGENCY. 
The Fair Credit Reporting Act 611. procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT. 

I sent the aforementioned letters to TransUnion, XXXX and XXXX and they have not responded or corrected these errors which continue to adversely affect my credit score.
Product: Debt collection

The Complaint is against : Aqua Finance Inc XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, 2017, Balance {$8300.00} Monthly payment {$270.00}.
As of XXXX 2017 develop finance hardship and was able to join a company to consolidate my bills. However, the above company refuse to participate with the consolidation process. With advise through my bank this was the only option best for me at this time. Once the process begin, the above company was not willing to make the adjustments with the new company terms and agreement payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute was received by all three credit bureaus ( Equifax, XXXX, and XXXX  ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I have been using cash app to send and receive funds, my XXXX XXXX account is attached in order to do so. On XX/XX/2021 i was refunded 4 {$50.00} by a XXXX equalling {$200.00} cash app says the funds would be refunded back to my account and never were. Again on XX/XX/XXXX for {$75.00} from a XXXX, and again XX/XX/XXXX for {$50.00} and {$100.00} from XXXX. I am told by cash app to dispute charges with bank and bank tells me they cant dispute cash app not refunding money to my account, i have my bank records showing all of these funds coming out and not being returned as well as all communication between cash app and myself and my transactions history with cash app where it shows that money was supposed to be refunded to my XXXX XXXX account. I have talked to a manager and multiple cash app customer support agents, multiple bank representatives and the lady who refunded money and have gotten no where and no ones help. If you need further proof or bank records i am happy to forward those so well
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding persistent inaccuracies associated with my XXXX XXXX account XXXX, which has been continuously reported as charged off. This ongoing reporting misrepresents the status of the account and is adversely affecting my credit profile by extending the statute of limitations on this account. 

Background of the Issue Since the initial charge-off of my XXXX  XXXX account, I have submitted multiple complaints through the Consumer Financial Protection Bureau ( CFPB ) in an effort to rectify the inaccuracies in the reporting. The account in question has consistently been marked as " charged off, '' leading to the misrepresentation of my credit history. The continued reporting of this account as charged off is not only misleading but also unfairly extends the statute of limitations on this debt, limiting my rights as a consumer. 

Despite my repeated requests for investigation, XXXX XXXX has failed to provide accurate information regarding the status of this account. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that creditors provide truthful and accurate information to credit reporting agencies. 

Violations Under the Fair Credit Reporting Act ( FCRA ) The following sections of the FCRA are applicable to my case : 15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers of Information : XXXX XXXX has an obligation to report accurate information about my account to credit bureaus. The continuous designation of this account as charged off without correction is a clear violation of this provision. 

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes : When I raised disputes regarding the inaccuracies of this account, XXXX XXXX was required to conduct a thorough investigation and confirm the accuracy of the reported information. Their failure to do so indicates negligence in their reporting practices. 

15 U.S.C. 1681i ( a ) Requirement for a Reasonable Reinvestigation : This section mandates that credit reporting agencies perform reasonable reinvestigations when a consumer disputes information. XXXX XXXX 's lack of accurate updates and ongoing reporting of charge-offs constitutes a violation of this requirement, infringing upon my rights as a consumer. 

Impact and Request for Resolution The inaccurate reporting of this XXXX XXXX account as charged off continues to harm my credit standing and misrepresents my financial history. This has not only affected my credit score but has also manipulated the statute of limitations, putting my rights at risk as a consumer. 

I respectfully demand that you delete this account from my credit report immediately. If this issue is not resolved promptly, I will not hesitate to pursue further action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse. 

I expect a prompt response and the removal of this account within the time frame required by law. Please send me written confirmation once the deletion has been completed. 

Thank you for your attention to this serious matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX We leased from Chrysler Financial ( which was bought by TD Autofinance ) and paid off the lease to  buy the XXXX back in XXXX but it was never changed to our name ( it's still listed under Chrysler Fin'l Co LLC ) , and we never received the title. We were looking to sell the vehicle in XXXX and realized this was missing. I've been calling TDA weekly since early XXXX to get the title, a duplicate title, or maybe some kind of lean release letter I could then take to the DMV to get a clear title. I just need something to allow me to get a title so I can sell it. I have the VIN and their account number. I've even mailed them money for this release letter but still have seen nothing. I've spoken to many people who all assure me something is being done and then nothing happens. ( And, yes, I initially tried My Title Support but they refunded my money saying they couldn't do it. ) And, lately, due to Covid-19, when I call, it literally hangs up on me saying they're too busy. FYI : they also have my husband 's name incorrectly listed as XXXX XXXX. ( It is actually XXXX XXXX XXXX, XXXX. )
Product: Debt collection

I have not supplied proof under the doctrine by silence XXXX XXXX XXXXXXXX XXXX  281 sw 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. Lvnv LLC account # XXXX. Balance off $ XXXXplease remove this acvount from my credit.
Product: Debt collection

This complaint is in regards to Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - Customer Service/Collections : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX Coast Credit LLC filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX Coastal Credit LLC filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.
Product: Mortgage

I was originally with XXXX XXXX throughout the pandemic and was on XXXX orders overseas and had put in for a forbearance. However, XXXX XXXX refused to acknowledge and adhere to an agreement. This was all sent in and report to Credit Bureau. My unit got wind of it and almost had lost my Too XXXX XXXX. My mortgage was directed to Carrington in XX/XX/XXXX and was treated the same without any assistance. Due to this matter I had lost my XXXX XXXX and downgraded to XXXX which i had to pay out of pocket for an attorney ( {$4500.00} ) to fight to keep my XXXX XXXX because Carrington is not adhering to the forbearance ( XXXX XXXX ) that I was advised they could assist me in after losing my clearance as a result of XXXX XXXX and Carrington meaning I had lost my position form XXXX to XXXX. Carrington has sent another report to the credit bureau and is now threatening to take my house if I dont pay the {$9000.00} within 30 days. Not to mention Im on XXXX XXXX orders while my husband has retired from the XXXX w/XXXX percent XXXX ( XXXX yrs served ) and recently losing my Father to XXXX. This is unfair after serving 18 years in the military and still XXXX XXXX to be worried about my clearance being revoked for a situation I couldnt control. *** Tried ATTEMPTING TO MAKE PAYMENT VIA WEB ON XXXX THOUGH NOW AND UNABLE TO. This is unacceptable and horrible the way they treat their customers IM CURRENTLY OVERSEAS AND CARRINGTON HAS NOT BEEN HELPFUL
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX   XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX/XXXX/2024
Product: Checking or savings account

After many calls and hassle, I finally got my account unrestricted ( this is the second time I've done this ). I then tried to transfer my balance ( nearly $ XXXX ) out of this account to a previously established account since the inception of the SoFi account. Now, they flagged it again as restricted. It's like a one-way feedonly money goes into SoFi and never comes out. I'm so sick of these people. They've held my money hostage for over 30 days at this point. I've wasted dozens of hours on them. The interest on their stupid savings account is 1000 % not worth it.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account. ( XXXX XXXX acct # XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to ON TIME as they should be as I was NEVER Late. Thanks.

15 U.S. Code 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding SYNCB/PAYPALXXXX with account number XXXX
Product: Debt collection

case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.