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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX XXXX : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Product: Mortgage

We had have a mortgage for our home in Florida since XXXX. We were not able to make our payments and entered into foreclosure proceeding in Florida Court. 
We went through many attempts to modify the mortgage. In XXXX of XXXX we were offered a modification that we accepted. We made the payments required. In XXXX of XXXX the servicing company made a offer of a permanent modification that was NOT as offered under the proposed modification. We made it clear that we would not accept the permanent modification as offered. We sent them a letter to that effect. We also sent them a counter offer to their proposed permanent modification that more closely reflected the modification that was originally offered. They signed the counter offer and returned it to us. The foreclosure action was dismissed and the law firm that represented the mortgage investor/servicer sent us the modification via email along with sending it to us via XXXX Mail. 
Since the servicer has ignored the modification that we agreed to and is servicing the account as if we had signed the original modification as offered. They have acknowledged that the modification they are servicing under is not the modification the parties agreed to and signed saying we fraudulently and unilaterally altered the agreement, even thought they do not dispute that the agreement they signed and returned is the agreement we signed and sent to them. We did make changes to the agreement and sent it back to them, we told them we were going to, we told them we did XXXX Section XXXX paragraph H, attached modification agreement ) and they agreed to it in the modification as executed between the parties. Further they agree and acknowledge that the agreement that are servicing under is not he agreement they or we signed XXXX XXXX XXXX, XXXX letter attached ) and they are fraudulently and unilaterally servicing under an agreement we do not have and was never agreed to.
Product: Credit card

SUBMISSION DATE XX/XX/XXXX USAA Federal Saving Bank Re : XXXX XXXX Dispute Case # XXXX From XXXX XXXX XXXX in the amount of {$8600.00} Enclosed in this documentation is the following to support the above dispute claim : 1. XXXX XXXX XXXX XXXX  dated XX/XX/XXXX a. Total estimate cost of {$8100.00} b. Vehicle towed and received at XXXX XXXX  on XX/XX/XXXX c. Projected completion date of XX/XX/XXXX is incorrect d. Odometer reading IN : XXXX XXXX which concludes that the vehicle WAS never test driven post repair e. Definition or suspect root cause for breakdown ; timing chain and camshaft malfunction f. Repair to be covered by extended warranty company & dealer must comply with claim process. Claim # XXXX to be reimbursed in full. See details on proposal 2. Email detailing timeline for from XXXX at XXXX XXXX XXXX dated XX/XX/XXXX a. Timeline to complete is two weeks from XX/XX/XXXX XXXX. Email to XXXX on XX/XX/XXXX ; subject XXXX with photos a. Demand to complete warranty repair with claim submitted to extended warranty company b. Confirm car immediate pick up no later than XX/XX/XXXX c. Photos of missing valves on camshaft identifying damage XXXX. XXXX XXXX XXXX final bill with tax dated XX/XX/XXXX a. Invoice XXXX b. Cost of repair total {$8600.00} which exceeded original proposal c. Odometer reading is one mile over the original receipt date from XX/XX/XXXX i. No test drive was completed with XXXX XXXX XXXX. They held my vehicle for three months with no work completed until we contacted XXXX XXXX XXXX to complain about this repair work which would typically take less than two weeks d. I did NOT SIGN and the XXXX  Invoice agreeing to the charge. It was to be submitted from XXXX XXXX XXXX, the dealer of record, directly to the extended warranty company at no cost to me XXXX. XXXX XXXX credit card receipt NOT SIGNED Per my call to the USAA credit card team today, I did not receive this request for additional documentation until today. I was instructed to submit the documents by mail and the claim would remain for review. Claim documents can not be updated online, in usaa.com, on the bank site or in the mobile app as they are restricted to XXXX MB per your IT TEAM on increasing capacity. YOUR ONLIINE SYSTEM HAS BEEN COMPROMISED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, 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 [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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: Credit reporting or other personal consumer reports

I requested a copy of my consumer report from XXXX and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. a. Acct # : XXXX b. XXXX reported : XX/XX/22 XXXX. XXXX XXXX XXXX  XXXX. a. Acct # : XXXX b. XXXX reported : XX/XX/22 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

An address appeared on all 3 of my credit reports ( Experian, XXXX, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
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 USC 1681. 
XXXX XXXXXXXX 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 XXXXXXXX. Has 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for XXXX years and Experian refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to Experian and XXXX XXXX  via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX Experian.
Product: Vehicle loan or lease

American Honda Fianc is threating to report a negative on my credit for lack of payment. I have never missed a payment on the auto loan that I am a co-signer on. 
The co-signer on the loan had her bank accounts hacked which made her auto payments return as frozen account. I was made aware of the problem as the other co-signer and I brought the account current with in 48 hours. I might also add that the car was involved in a auto accident and was a total loss. The insurance company sent AHF XXXX XXXX dollars which made the account16 payments ahead of the contract. I have talk to Honda Finance and they are being very rude about the problem. I was never notified by mail or by phone that the account was going in 30 and 60 day late. I also have GAP insurance that are taking there time in paying the car off. Can someone from your office please let Honda know that are not being very consumer friendly, and they are required to notify the consumer of any negative action to the consumers credit report.
Product: Credit reporting or other personal consumer reports

A debt collections company named First Credit Services has reported some information on both my transunion credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported I was 30-60 days late on a payment. I attempted to contact them and got no where. My account can not go from OK payments on time to 30-60 days.
Product: Credit reporting or other personal consumer reports

On three or more separate occasions, during the 3+ years that I have had the Amazon credit-building store card through Synchrony, I have attempted to reach out regarding the clear and evident lack of reporting in regard to my credit score. The card is touted to be a starting point for growing your credit, and they advertise reporting to all three bureaus, yet after 3+ years I still have no credit score and none of the major bureaus have any information nor knowledge of my credit account through Synchrony. I allowed the standard 2 years to pass, after which reports should have started to show up, yet even after this- and reaching out again to request proof that reporting IS being done- I was only given the same vague assurances that they are indeed reporting when it is clear that they are not. Each time I've called in, they have also failed to document my complaints, as each new customer service representative was unable to find any logged complaints or details of my prior calls. Due to this, the past few years that should have served as the foundation for my credit score have been wasted, leaving me woefully behind and causing a number of issues in my financial life.
Product: Checking or savings account

Truist bank froze my account pending my fraud claims to be resolved which have all been resolved in my favor and I still cant access my account I would like a new bank account and my money transferred to it or close my account and send me a check immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/year> when I checked my credit report I was unpleasantly surprised to see a drop in my credit score because of a late charge from Kohls. I was even more surprised because I am set up for auto debit from my bank account and have had this setup for many years now. I check my account monthly and the website main page showed payment processed instead of showing payment failed to process. And therefore this reporting of late payment came as a complete shock. 

Please see attached document with screenshots. That shows payment processed and payment received. I had checked on my Kohls card and it showed payment was posted so I had no reason to know that there was a problem. No emails or mails were sent out to bring any issues to my attention or else this would have been addressed long back. 

If payment was not received Kohls should have escalated this to me by sending a statement to my mail knowing that sometimes technology fails. They did not mail anything to me. 

Upon learning about this issue I have already brought my balance down to XXXX by paying over the phone I take my credit rating very seriously and am on top of all my bills which was evident in my XXXX credit score until this adverse reporting from Kohls . I request you to withdraw the late report so my credit score and history are restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

We were solicited by Rocket Mortgage ( Quicken ) for a refinance of our VA home loan. We started the process around XX/XX/2020. We provided the required documentation no later than XX/XX/2020 to Rocket Mortgage. We were advised that from here on out, the loan would go to final underwriting and we would be scheduled to close by the end of the month of XXXX. Due to technical difficulties on Rocket Mortgage 's side ( a missing disclosure that they were unable to send electronically ) we did not close at the end of XXXX. We provided the executed disclosure and advised we would close at the end of XXXX, as to minimize the prepaid interest amount we would pay on the new loan. We had no contact with Rocket Mortgage regarding our final underwriting and when we would be clear to close. After being assured we would close at the end of XXXX, I sent an email of complaint to Rocket mortgage on XX/XX/2020 and to date have not received a response. On XX/XX/2020 ; I spent more than 3.5 hours on hold asking about the status of my complaint ( which two customer services reps ignored and failed to address ) and one chat where I was asking questions regarding the HUD-1 Settlement statement, first payment date of my new loan, and the delay in this process. 
I questioned the following on my Preliminary HUD : Payoff provided by lender ( attached ) is {$210.00}, XXXX Payoff listed on HUD ( attached ) is {$200000.00}. 
Unable to explain the delay in Clear to Close from XX/XX/2020 to present Unable to address the reason for not closing prior to XX/XX/2020 ( initially scheduled ) Via Chat, I expressly asked that we receive a call no later than XXXX tomorrow and that the closing is cancelled until my inquiries are met. The package, estimates et all are all prepared and still reflect that I am closing on XX/XX/2020.
Product: Debt collection

National Recovery Agency for the amount of {$2200.00}. I have sent National Recovery Agency a debt validation several times with no response. This item does not belong to me.
Product: Debt collection

They contacted my mother and told her that I listed her as a reference for employment and wanted to know if i as her son. He gave the name XXXX to my mother. He also contacted me and left a voicemail. In the voicemail he gave the name XXXX XXXX. Both calls were from a local number in Minnesota ( XXXX ), but in the voicemail he left a New York Number ( XXXX ). 

I XXXX  the numbers and found out that the company is called XXXX XXXX in XXXX XXXX, NY XXXX
Product: Debt collection

I sent a certified letter to Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX requesting verification and disputing the allegation that I owe them {$580.00} on XX/XX/2018. As of this day I have not received requested information and the debt is not listed as a dispute with the reporting agencies. 

Copies of the letter and delivery receipt attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. The following information is incorrect : - **Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please investigate and correct these errors immediately. I have enclosed copies of my identification and Social Security card to verify my correct information. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Navient for over six years now that this loan for {$5400.00} was paid off to XXXX XXXX. XXXX XXXX did not report the correct information to three others lenders who bought the loan. In for years it has accrued lots of interest. They are showing a outstanding loan for $ 16k and thats not correct. I need this issue address and cleared off my credit report. Its over 30 years now. 

Thanks,
Product: Credit card

My engagement ring was purchased by my Husband XX/XX/XXXX. On XX/XX/XXXX it was put in to repair by way of the XXXX XXXX Jared Jewlers in XXXX maryland. I was told that I would get my ring back after the repair by XX/XX/XXXX as of today 's date I still do not have my ring and customer care for XXXX XXXX is unable to tell me where my ring is. After reading articles from XXXX from XX/XX/XXXX of other brides who 's rings after being sent to repair were loss, stolen or original diamonds were swapped I am very concerned that my diamond may be the next casualty in this horrific saga. I need help to find out where my engagement ring is. My ring is very dear to me, it 's sentimental to me my husband gave it to me and nothing the store can do can replace the original ring that my husband purchased for me. I am very devastated by not having my original engagement ring I await your response
Product: Checking or savings account

On XX/XX/2021 - Revolut US restricted access to my account and is not allowing me to withdraw the {$5600.00} I have within the account. I contacted them via in-app chat and received no response. I had to XXXX them on XXXX to receive a response. I was told via a XXXX direct message that I would receive a response in the app chat from the Revolut team shortly. 

I was told that they were still in the process of checking things on my account and that they could not give me a time estimate on when my account will be re-activated. 

On XX/XX/2021 - I contacted them again regarding this issue and received the same response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response.