23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I WAS NOT AWARE OF ALL THESE CHARGES THAT WELLS FARGO CHARGED ME I AM TALKING ABOUT 10 CAR LOANS WITH THEM DATING BACK TO 2012. IF YOU PULL UP MY CREDIT REPORTS YOU WILL SEE THE LOANS ALL PAID COMPLETELY. I WAS NOT AWARE OF THE FRAUD THEY CREATED AS WELL. I PAID A LOT OF MONEY ON ALL THOSE CAR LOANS. I PULL XXXX AND XXXX AND ON EACH THERE ARE 10 CAR LOANS PAID IN FULL AND CLOSED. 
I HAVE ATTACHED THE CREDIT REPORTS. AS WELL.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with consumer adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written experain as well as XXXX XXXX XXXX XXXX various times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting... first off please see the attached... it shows experians reporting of this account ... .they never marked it as being in dispute, this is showing as a charged off account with a balance of {$960.00} then when you look at the circled comments it states this account has been sold to a collection agency... how is this account reporting a balance, and a 12 month term if it was sold? these are major violations ... .the other XXXX bureaus have deleted this and i expect experian to delete this from my account for violating the law...
Product: Mortgage

MY MORGAGE COMPANY CARRINGTON MORTGAGE SERVICES SENT ME A LETTER ON XX/XX/2021 THAT I HAD NOT MADE MY MONTHLY PAYMENT. i HAD SENT THE PAYMENT ON XXXX XXXX 2021 I RECEIVED THE LETTER THAT STATED I WAS PAST DUE AND THAT IF DID NOT MAKE THE PAYMENT BY XX/XX/2021 I WOULD BE CHARGED A LATE FEE. THE CUSTOMER SERVICE ADVISOR STATED THAT THE STATEMENT COUPON WHICH WAS SENT OUT HAD THE OLD ADDRESS IN ARIZONA. THE LATE LETTER SHOULD NEVER BEEN SENT OUT IF THEY KNEW THAT THERE WAS A PROBLEM OF THEIR MAKING. I FEEL THAT THEY WERE JUST TRYING TO PROFIT OFF OF THEIR MISTAKE.BY COLLECTING THE LATE FEE. 

I THEN RECEIVED MY ANNUAL ESCROW DISCLOSURE PAYMENT. i WAS INFORMED THAT I HAD A ESCROW SHORTAGE OF XXXX. THE LETTER STATEED, '' IF YOU CHOSE TO PAY THE ESCROW SHORTAGE IN FULL IN A LUMP SUM PRIOR TO YOUR EFFECTIVE DATE. YOUR MONTHLY PAYMENT WILL BE REDUCED BY THE MONTHLY SHORTAGE PAYMENT AMOUNT. '' ON XX/XX/2021 I RECIEVED MY STATEMENT FROM CARRINGTON TOO MY SUPRISE THEY HAD NOT REDUCE MY PAYMENT. WHEN I CALLED THE SERVICE REP STATED THAT I HAD TO CALL AND REQUEST A NEW ESCROW ANALYSIS THAT IT WASNT DONE WHEN THE RECIEVED THE PAYMENT. I FEEL THAT THIS IS FRAUD WHERE CARRINGTON IS TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM. A SIMPLE SENTENCE THAT STATED THAT U HAD TO CALL AND REQUEST THE NEW ANALYSIS IS ALL THAT IT WOULD TAKE.
Product: Mortgage

The lender has failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). The lender was provided the missing docs stated in a phone call to them on    XX/XX/2017    and has yet to postpone the sale date set for  XX/XX/17    - this package should have been deemed complete on or by  X/X/17    -
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

File disputes with Experian and XXXX and XXXX XXXX.Two of the bureaus have deleted the information XXXX XXXX and XXXX have deleted the information Experian however refuses to do to delete and not provide correct information their only resolve is to say that the item remains without proof of verification. This bureau needs to be held accountable and needs to provide proper documentation that is legit every dispute that I submit with him they do not remove nor do they verify with proper documents.My bankruptcy was removed by XXXX XXXX and XXXX but Experian refuses to remove it from my report proof will be uploaded in a document below.
Product: Credit card or prepaid card

On XX/XX/XXXX AAA credit card changed banks from Bank of America to XXXX XXXX New cards were issued to members but I did not receive. Multiple calls to AAA regarding this were not resolved. They continue to say new cards are on their way but I have not received. In addition possible fraudulent activity is present on my account however they continue to say I can not access my account until I receive my card. I also can not verify with AAA that continued late fees and interest will not be applied to my account since I can not make a payment. Many calls to AAA have not resulted in a resolution. I feel that my financial information has been compromised and that they are not taking this seriously.
Product: Debt collection

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Ive called and asked them to send me a letter of Debt validation multiple times According to 15 USC 1692 G Send me a detailed list of history of payments made by me on this account I want to see the signature that I put on a contract guaranteeing that I would pay this creditor Im asking is there been any insurance claims found on this debt I want proof they have chain of title on this debt
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Grain Technology Inc Account # XXXX This company continues to report my payment as late when I can not access the account to make payments. I have submitted several inquires on their website and have submitted several disputes with XXXX and XXXX which they have not responded at all however the account is still on my report and still being reported late. You can only make a payment on the mobile app with this company. They do not provide a mailing address for payment and their XXXX # ; XXXX does not give you the option to speak to an agent to resolve the matter. With every attempt for the last 2 years to log in to make a payment, I have received an 'Account cancelled '' error message. When the account is disputed they become upset and close or block the account but never respond to the disputed inquires or correct the late payments due to their negligence. This account needs to be removed and delete immediately for the lack of responding to dispute beyond the 60 day time frame and continuing to fraudulently report the account as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Equifax when I saw that my credit took some large dives. When I looked on XXXX XXXX, and on their website, the only changes were from me paying down debt. The most recent dropped my score by XXXX points, when I made a payment on my one card, the other drop was XXXX points when I made a car payment. I'm aware that Equifax had issues regarding this in the past in 2022, but if we are relying on companies like this to provide fair and accurate reporting, they are not. When brought to their attention they didn't seem to care, and it likely has to do with their being no clear path to start a dispute regarding your report. It has to be against a creditor on their site, you can't open up a report on them regarding accuracy. This needs to change.
Product: Credit reporting or other personal consumer reports

I would like to initiate an investigation into these accounts, as there seems to be a discrepancy regarding their accuracy on my credit report. These accounts were previously deleted but have been re-added without my knowledge. I have not received any notification or mail about their reinstatement.
Product: Prepaid card

I am complaining about the experience of purchasing the XXXXXXXX XXXX XXXX ( XXXXncomm company ) but the card was locked on the 1st transaction. I have called and emailed them all the required documents they need. They promised this would be refunded by check but after 3 months I have not received the money. They have asked me to send documents last week but i sent the case has been closed by their system and been marked as no response from my side. I talked to customer service and supervisor they told me I needed to wait another 3 weeks for a response since they did not get my documents. The case # XXXX, 1st email sent on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple hard inquiries from different companies pulled that I did not authorize. They are listed below : 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 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
Product: Mortgage

I have been doing what I can to get my short sell finalized. US Bank are the worst. After denying a few offers this gentleman offered what the bank wanted. He waited almost 2 years for them complete the view everything was done but after patient running he withdrew his contract. I got put in this situation because they refuse to except my payments because I had a temporary job and I would need to pay back all the money to get caught up before they I can apply for loss mitigation. I feel they are no not trying to let the house be sold. I do n't understand.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned accounts : XXXXXXXX XXXX XXXXXXXX Balance : {$390000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

Yesterday, I filed a complaint against MASTERCHECK A DIVISION OF XXXX XXXX, XXXX. The address is XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, and their phone number is XXXX. This morning at XXXX XXXX  XXXX, I received a call from a number I didn't recognize. I answered because I was expecting important phone calls. A woman responded when I answered the call and asked for me. She stated she was calling from Mastercheck, claiming that I owe them for a medical bill. However, I contacted the mentioned medical clinic yesterday, and they do not recognize Mastercheck. I also called the billing department the clinic asked me to call and spoke with XXXX. They do not recognize them either. I informed the Mastercheck representative that I reported MASTERCHECK to CFPB, and they needed to stop XXXX  me. The woman became defensive when I asked her name, and we exchanged harsh words at the end of the call. I hung up and immediately called the clinic 's billing department and CFPB to update my complaint. 

The kind billing representative at the billing department informed me that they will report it to management and suggested they take the necessary actions regarding the company. The contact information for the medical clinic is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, XXXX. Kindly investigate this matter as I do not owe Mastercheck.
Product: Mortgage

My home loan was transferred from XXXX XXXX mortgage service to Fay Servicing. Fay Servicing is reporting my loan as a bankruptcy, where I am not in a bankruptcy. I've call them several times to clarify the issue and offered to send in paperwork to prove it. They are telling me not to send them any documents.This company has a lot of bad reviews, and some cases are similar to mines. I don't feel secure about this company with my loan, just not sure what to expect in the future. I make my payments on time, and they are not reporting to the credit bureau.I am not understanding why my home loan stating : ( we are attempting to collect a debt ) .Not good info at all.
Product: Credit reporting or other personal consumer reports

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

I have filed dispute after dispute after dispute with XXXX  about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -Automobile  Dealers, XXXX XXXX Financial  Inquiry from XX/XX/XXXX - Auto Financing The following does not belong to me : XXXX XXXX   Account Info Reported on XX/XX/XXXX XXXX  retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.
Product: Debt collection

I have a recent hit on my credit for a medicla collection. I called my isnurance and they said they ahve no record of a debt. I was victim of fraud a few months ago. This may be from that instance but the agency does not return my calls. I am forced to use this website to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 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 Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would
Product: Debt collection

After receiving notification via email from XXXX XXXX at TrueAccord on XX/XX/XXXX about an outstanding debt I had. I had asked a question about having signed documentation to have the account removed from my credit report once paid. I then received an answer that I did not see until today XXXX, on XX/XX/XXXX with this reply " Thank you for reaching out about this balance. 

TrueAccord does not credit report. If XXXX XXXX, XXXX reports, they will update the credit reporting agencies as required. It may take the credit reporting agencies more than 30 days to reflect the update. For more information, you can go to www.consumer.ftc.gov and click on Get your free credit report to get a free copy and see for yourself. 

Please let us know if you have any questions. Were here to help. 


Best Regards, XXXX XXXX '' I then on XX/XX/XXXX XXXX emailed again trying to touch base about my balance. Not having seen the previous reply I again asked my same question. And on XX/XX/XXXX got a reply XXXX XXXX, which again I did not see until today. XX/XX/XXXX XXXX emails me again, regarding my debt, but does not answer my question. On XXXX in then get this email from the name on the email, not even answering my question. 

" Thank you for replying to our email. 

You can reach us at XXXX. Our office is open Monday through Friday XXXX XXXX  to XXXX XXXX  ET. 

Please let me know if you have any questions. Im here to help. 


Best Regards, XXXX XXXX '' So on XX/XX/XXXX. I again ask the same question as previously mentioned, and get the same reply as previously stated in this complaint from XXXX XXXX. I then email back wondering why they can not get paperwork together to sign stating my concern when the creditor hired them to take care of my debt. So at XXXX today, XXXX emails me again with the same generic email to call them. 

I will not call because I want this documented on email. It seems to me this should be a simple matter to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use of my report.
Product: Debt collection

Arc management is reporting  XXXX  owed from   XXXX   XXXX   on   XXXX    2016. I have no knowledge of this debt nor did I receive any services from   XXXX   XXXX   or arc management. I have asked them to validate this debt to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I created a free account with XXXX  and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX and Transunion I have received a document stating that an account that XXXX XXXX is reporting is fraudulent. XXXX XXXX purchased a fraudulent account from the Original creditor XXXX XXXX. XXXX  XXXX sent me a document stating this account was opened du to fraud. Document attached.
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. 
ACCOUNTS : 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/XXXX