23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submited a complaint yesterday XX/XX/2016 and you are having problems finding cco morgage they a part of citizens bank and my complaint number is XXXX
Product: Mortgage

This is a follow up on my case number XXXX. I would like to submit the attached documents showing my scheduled court date on XXXX XXXX, XXXX. XXXX has responded that they dropped the foreclosure case against more than a year I believe in XXXX XXXX. As you can see on the attached, there 's a scheduled hearing with the referee on XXXX XXXX, XXXX. I called and spoke to XXXX XXXX, Fiduciary # XXXX at XXXX XXXX XXXX XXXX XXXX, telephone # XXXX a couple of weeks ago and she told me that she was not aware that she was listed as a referee on my case. XXXX XXXX claimed that she does n't know why her name was listed as the referee and that it was a mistake and that she was going to contact the judge assigned to remove her name. Unfortunately, I have not heard back from her. Attached is copy of the notice. 
I 'm not sure how these documents are processed, but I truly believe there is something terribly wrong with this entire scenario. First, the law firm lied and claimed that they withdrew from the foreclosure case against me back in XXXX XXXX while the case is still listed as active and I had to appear in court just recently in XXXX XXXX. In addition, there 's a court date scheduled in XXXX XXXX, XXXX with a referee who claimed that she is unaware of anything and that it was a mistake. I believe someone is creating fraudulent documents and setting up consumers to lose their homes. I would like the law firm XXXX to send me an official notice that they have withdrew the foreclosure case against me and also to update the court records to note the case is closed or disposed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally dispute and report fraudulent accounts and unauthorized activity appearing on my consumer credit reports with XXXX, XXXX, and TransUnion. These accounts were not opened or authorized by me, and I have never had any dealings or agreements with the entities listed below. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand a thorough investigation and resolution of this matter. The FCRA ( 15 U.S.C. 1681 ) ensures my right to dispute and correct inaccurate information on my credit report and obligates credit reporting agencies and creditors to address fraudulent activity. 

The fraudulent accounts and hard inquiries appearing on my credit reports are as follows : XXXX XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX TransUnion XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Georgias Own Credit XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX [ Account Details Unavailable ] XXXX XXXX XXXX [ Account Details Unavailable ] These fraudulent accounts have also resulted in several unauthorized hard inquiries and collections accounts that are negatively impacting my creditworthiness. 

Actions Requested : Immediate Removal : I demand the removal of all fraudulent accounts, inquiries, and collections items associated with them from my credit reports.

Investigation : Conduct a full investigation into these accounts and inquiries, and notify me of the results promptly.

Prevent Further Damage : Flag my credit reports to prevent any future fraudulent activity. 
Supporting Documentation : To assist with your investigation, I have attached the following : A copy of my government-issued ID. 
A recent utility bill or proof of residence. 
A copy of my credit reports highlighting the disputed accounts. 
Under the FCRA, you are required to investigate my dispute within 30 days. Please provide written confirmation once the fraudulent items have been removed, along with an updated copy of my credit report reflecting these corrections. 

I trust that you will take this matter seriously and act promptly to resolve this issue. I can be reached at the contact information above if further documentation or clarification is needed. 

Certification : I affirm, under penalty of perjury, that the information provided in this affidavit is true and accurate to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry that appears on my credit I did not authorize this credit inquiry, nor did I apply for credit with the above-mentioned creditor. Under the Fair Credit Reporting Act, I can dispute information I believe is incorrect or incomplete.
Product: Credit reporting or other personal consumer reports

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

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). 

Is this subject to consumer protection laws? 

Thank you CFPB for your urgent help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



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

Hello, I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown accounts. I believe I became a victim of identity theft, otherwise I can not explain their existence in my report. I have never signed any agreements or contracts with these companies. 
Please remove these accounts from my credit report.
Product: Prepaid card

I did not receive the right amount of funds that was sent to my XXXX XXXX XXXX  from the Kentucky unemployment office from dates of XX/XX/XXXX to XX/XX/XXXX of XXXX the amount did not add up I have my ky unemployment statements to prove it I asked for bank statements from XX/XX/XXXX if XXXX til XX/XX/XXXX of XXXX I requested statements 3 times for those dates they kept sending statements from XXXX which that date I never requested. I specifically asked for the dates of XX/XX/XXXX til XX/XX/XXXX of XXXX and never received them always the opposite of what I asked for.
Product: Debt collection

Tuesday XX/XX/XXXX a guy named XXXX from upstart network called and specifically told me to save his number so I can know its him when he called he stated that when I asked what number should I look for so I saved it and he called from different Im guessing so I never answered because his name didnt come up and he also harassed me about him calling and calling me during work and also threatened to contact my employer in a rudely manner as a threat very unprofessional I told him
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit line with XXXX. I was out of town and missed the payment. I called and explained to customer service about the late payment and they told me they would take it off my credit report for good customer justification. This drop my credit score about 92 points. I had never been late before and this hurt my score in a major way. Can you please help? 
I filed a dispute and the results said that they will remove it, but it is still shows on my report. 

Sincerely, Need help.
Product: Debt collection

I have to this date never received any notices of a pending debt nor have I received any notice it was being sent to credit report. I informed the original debtor that we were not responsible for damages and never received any response or dispute and we are now post 4 months plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT ADDRESS REPORTING CAUSING ID VERIFICATION ISSUES. 

CURRENTLY REPORTING ELECTRONIC MAILBOX ( NOT A PHYSICAL ADDRESS ) INSTEAD OF CURRENT PHYSICAL ADDRESS AS PER DRIVING LICENSE AND UTILITY BILL SEND MULTIPLE TIMES, HOWEVER STILL NOT CORRECTED. 

SEE ATTACHED : DRIVING LICENSE AND UTILITY BILL
Product: Debt collection

Account Name : MERCHANTS CR Original Creditor : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$480.00}, {$850.00} and {$580.00} This letter is a formal complaint against MERCHANTS CREDIT GUIDE, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Product: Debt collection

Waypoint Resource group has a collection on my credit report that does not belong to me. It says it's for {$220.00} from XXXX. Whats funny is I have XXXX  services at my home. Have had them for 3 years. I can't figure out how they think I owe them money when I pay my bill every month and I continue to have service with them. I sent a letter to Waypoint XX/XX/XXXX asking for " validation '' bearing my signature saying I owe the debt. Of course they never responded so after 30 days I sent them another letter XX/XX/XXXX asking for " validation '' with my signature. They finally responded with just a bill statement and of course no signature of mine. I've had enough of these people damaging my credit over {$220.00} so I'm filling with small claims against them. {$1000.00} for each violation of Defamation, neglect enablement of identity fraud, violation of the Fair Debt Collection Practices Act, and violation of the Fair Credit Reporting Act. Cant wait to count my money
Product: Debt collection

CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.
Product: Student loan

Navient Student Loan Servicer : Since 2020 our interest rates have been placed on hold. I have continued to make my monthly payments ( even doubling them during this worldwide crisis ) however, Navient is still charging interest and I am paying interest during every payment for my loan. 

There is NO contact information listed other than an email-automated system that has severely failed to help, find help, or seek to have someone contact me to help me.
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. 


Account : XXXX XXXX. Account : XXXX. 

Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXXXXXX XXXX Center. Account : XXXX Account : XXXX XXXX XXXX. Account : XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 A 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 conditions of crime 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: Credit reporting, credit repair services, or other personal consumer reports

My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks latXXXX XXXX  opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I made a purchase for concert tickets through the XXXX app using my debit card from Wells Fargo. The money was transferred immediately to the private seller and the seller never sent me the tickets. I contacted XXXX immediately and they informed me that as soon as the transaction was complete, that there was nothing they could do. I then proceeded to call Wells Fargo and opened a claim. The claim has been denied by Wells Fargo. Neither XXXX or Wells Fargo will refund my {$120.00}.
Product: Debt collection

I requested verification of this debt from this collection agency all they did was send me another collection letter stating that I owe them {$1100.00} This company put a collection on all 3 of my credit reports without verifying or proving that I owe this debt. This company has failed to send me any documents stating that I Owe this debt. Its not a surprise that ARS has an F rating with the XXXX XXXX XXXX  because their a company that's practicing illegal practices. If I did Owe anything it was never to Account Resolution Services! I never had a contractual agreement with this company. Collection Agencies buy debt as an investment which is Unjust Enrichment. If This is my debt please Validate that this is indeed my Debt Show me proper documents proving that I Owe Account Resolution Services {$1100.00}. Account Resolution Services are denying Me and millions of other consumers validation of debt requests. ARS are in Violation of Fair Debt Collection Practices Act. The FDCPA supports my right to demand a Validation of debt, Documentary proof that I owe exactly what ARS is claiming i owe. Please delete this inaccurate misleading collection off of all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that Experian and XXXX did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX ( XXXX XXXX XXXX in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} XXXX  XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XX/XX/XXXX I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is Seriously dismissive when you talk to them on the phone. 
Obviously, they do not teach Customer Service Skills. 

My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years.

I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. 
Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit.

TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency.

I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit.
Product: Debt collection

In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.