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

I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : 1. Creditor Name Discrepancy XXXX lists the creditor as Sezzle. 
XXXX lists it as Sezzle Inc.. 
XXXX lists it as SezzleInc. 

2. Date Opened XXXX XXXX reports the account as opened on XX/XX/XXXX. 
XXXX and XXXX report the account opened on XX/XX/XXXX. 

3. Credit Limit Discrepancy XXXX and XXXX XXXX a {$150.00} credit limit. 
XXXX shows a {$0.00} credit limit. 

4. Date Closed Discrepancy XXXX reports the account as closed on XX/XX/XXXX. 
XXXX and XXXX do not list a closed date. 

XXXX. Last Reported Date Discrepancy TransUnion lists the last reported date as XX/XX/XXXX. 
XXXX and XXXX list it as XX/XX/XXXX. 
The correct last reported date should be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from INDEBTED USA INC. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Product: Mortgage

My complaint is with Statebridge, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ( Their phone number is XXXX ) I originally had my mortgage with XXXX and it was transferred to Statebridge over a year ago. 

The amount I am supposed to pay monthly ( Fixed interest rate ) is XXXX per a modified loan agreement that was signed about 4 or 5 years ago. However they are billing me for XXXX per month. 

When I called up to get more information I was told this was for insurance and property taxes. 

I live in a coop in XXXX XXXX XXXXXXXX. I pay insurance for the inside of my apartment through XXXX XXXX. Also the management agent for the coop pays insurance for the outside of my apartment. As for property taxes the management agent also pays my share of property taxes. ( There is not an individual tax bill for my apartment but rather a tax bill for all the apartments in the co-op and the management agent pays then bills us for based on the number of shares owned ). So every month when I pay my monthly maintenance charges ( of which I am current ) part of the payment includes property taxes and insurance.

However Statebridge claims they received an individual tax bill for my apartment when XXXX does not give individual tax bills for coops but a total bill for all the apartments in a coop which the managing agent then charges us for based on the number of shares in our apartment. 

Bottom line is I do not wish to be billed by Statebridge for insurance and property taxes when I am either paying for this on my own or through my monthly coop maintenance. Also originally I was a month ahead on my payments when my account was transferred to Statebridge but the extra payment was confiscated by Statebridge for its fictitious property tax and insurance payments on my behalf.. I would like this money ( One month 's mortgage payment ) that was stolen from me to be returned to my account or refunded to me )
Product: Credit reporting or other personal consumer reports

Im currently in litigation with XXXX  XXXX XXXX and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these monsters!!! You can see that prior to the false reporting I have mentioned below - I have never had a late payment to XXXX  XXXX XXXX!!! Ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Shame on this financial Institution for doing this to me.
Product: Debt collection

Every time I ask XXXX XXXX to correct the error on my credit report they add another negative mark to it. 

Why are they doing this at will when ever they want to? This is violation and they should not be able to continually update and unverified account with new negativity activity when every they want to. 

There is are numerous failure to pays that were previously listed as 30, 60, and 90 late. For different years and different months on all 3 credit reports. Changing 30, 60 and 90 day late notations to failure to pays is not correcting an account properly. 

The following failure to pays are current listed on my credit files : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and since I am writing you they will probably place on In XX/XX/XXXX. Please keep an eye out for it and tell them to stop committing violations. 

Can you make XXXX XXXX correct the inadequacies on my credit report or delete this account that is not being reported 100 % correctly? 

I also wrote XXXX, XXXX  and XXXX  in XXXX, XXXX and XXXX and I am still waiting for them to verify, investigate, correct or remove this unverified account that is not being reported with 100 % accuracy. 

I am trying to get a mortgage and this is hindering me from doing that. I can not afford an attorney to take them to court so I am asking you to help me make them do their jobs correctly.
Product: Credit reporting or other personal consumer reports

I received a letter from Wells Fargo Bank that my transunion report was pulled to provide a card. I did not authorize this and have no business with this bank.
Product: Debt collection

I paid XXXX directly and by law, they must recall the account from Convergent. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number XXXX, Amount XXXX XXXX XXXX XXXX, Account number XXXX, Amount XXXX XXXX XXXX XXXX, Account number XXXX, amount XXXX
Product: Checking or savings account

Wells Fargo closed a business partnership account without calling me and I had emailed, called and went to the XXXX CA location requesting to close this account and they told me no. Then after I filed 2 police reports that the business partner had stolen from me they continued to allow withdrawals and even allowed the business owner to close the account when the denied me the opportunity. The other business owner was obviously made to send me 1/2 of what little bit was left in the account via a cashiers check. I have yet to cash it because I am not excepting this by no means. I feel like Wells Fargo is fully responsible and they should not only refund me the 1/2 of the cashiers check, but the months of debits made by my business partner because I had reported it to them and they did not allow but allowed her to close it for whatever reason. I have went in and called to complain with numerous emails and not one person has reached back to me with a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX, XXXX XXXX, XXXX   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, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an email alert from XX/XX/XXXXnotifying me my credit was ran, " Alert : Change to your credit file detected. '' Upon further research my report indicates " XXXX XXXX '' was able to view my credit file. 
1. I did not authorize this inquiry 2. I have a credit freeze in place with XX/XX/XXXX Due to my concerned of fraud and identity fraud, that I have had a credit freeze on my account for many years. This is troubling, as I expect a credit freeze would prevent the release of my credit information. 



Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have violated my rights and have furnished my credit score without my consent, they have outdated information and it's affecting my personal and financial livelihood. I'm on the verge of filing a lawsuit for defamation of character. 

XXXX XXXX, XXXX XXXXXXXX, MERCANTILE ADJUSTMENT BUREAU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Mortgage

My private mortgage insurance through Carrington Mortgage was supposed to be automatically terminated when my loan balance hit 78 % of the original appraised value of my home. I continued to pay PMI for at least two years after my balance hit this amount. When I contacted the company by phone, none of the representatives could tell me whether I had hit 78 %, but did tell me repeatedly that the PMI would have automatically terminated if I had met the requirements. They suggested I make a written request for PMI to be cancelled. I made this request and emailed it on XX/XX/XXXX to the email address provided. I received no response. I emailed again on XX/XX/XXXX and received no response. I then called on XX/XX/XXXX and was told there was no record of them receiving my emails despite verifying I had the correct email address. I then faxed them a request on XX/XX/XXXX. On XX/XX/XXXX I still had received no response, so I called again and was told that the PMI was canceled on XX/XX/XXXX. However, after being transferred multiple times to different representatives no one was able to tell me when my PMI should have been automatically terminated or when and how I would be refunded for the overpayment. I was again told to email or fax a request for this information. I emailed and faxed this request on XX/XX/XXXX. As of XX/XX/XXXX I still have not received a response. I missed three calls from my mortgage company so I called them back and was told they were calling to check when they would receive my monthly payment ; this made no sense as I am enrolled in autopay and the payment comes out of my account on the XXXX of the month and they had called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very frustrated that no one seems to be acknowledging the error and no one is working to correct the error.
Product: Credit card

I was forced by my old job to sign up for a synchrony bank Sam 's credit card because of synchrony banks predatory policy regarding how many credit cards they can get people to sign up for. If you didn't get any signups they would penalize the company and the company would penalize your club and your managers would penalize the employees for not trying hard enough for not making quota on credits. This would force our managers to try and " encourage '' employees to sign up for one to show corporate that we were at least trying. At first it was alright I kept the balance low and paid it off on time. Then the inflation crisis hit and I was having to use it to put gas in my car at {$5.00} a gallon to get to work. Well that quickly ballooned the balance up to {$2000.00} dollars. I had a {$5000.00} limit. I was paying the minimum amount per month with no issues. 
Fast forward to XXXX of 2024 and my credit score plumits from XXXX down to XXXX and my minimum payment goes from {$98.00} to {$250.00} dollars and my credit limit is decreased by {$2000.00} dollars with no warning, no letter, no email, no call, NOTHING!! Now I'm inundated with harassing collection calls from synchrony demanding the full minimum payment. And when I pay what I can they informed me that what I pay will go towards the previous month and not the current month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Macy 's Department Store for approximately 7 years and have never been late in 7 years. Macy 's cancelled my auto pay in or about late XX/XX/XXXX to XX/XX/XXXX. I did not make that request to cancel my autopay. Macy took it upon themselves to cancel my Auto Pay and failed to notify me. Macy 's also failed to notify me that my account was reaching 30 days late. When I contacted Macy 's, the representative told me that they are not obligated to inform me of such. I've always had my account on auto pay to avoid ever making a late payment. There was always money into my account to cover all payments, so I was never concern about ever getting a late payment because of my auto payment for the past 7 years. 

I have reached out to XXXX to dispute the errors Macy 's place on my account and Macy 's confirmed with XXXX that the error was correct. 

On XX/XX/XXXX, at XXXX pm, I called Macy 's to get information on my account. Macy 's account representative refused to give me any information, refused to provide me with an email or phone number to contact that department and was very rude. Once again, another Macy 's representative told me that Macy 's is not obligated to inform me about anything regarding my Macys account. Macy 's flagged my name in the system to speak with me regarding my active account. Macy 's is retaliating because I exercise my right to file a complaint.

Macy 's claim that they tried to withdraw the money from my account, and it didn't go through. According to my bank statement, the account had sufficient funds to cover the amount Macy 's claimed to attempt to withdrew.

Macys Credit Card is the worst along with their customer service. Macys incompetent system ruined my credit score because of their error. 

Macys has failed to reverse the erroneous report and has damaged my credit score from around XXXX to XXXX. Macy 's is responsible for the damages done to my credit report.
Product: Mortgage

We requested a recast of our mortgage, which took approximately 2 months to get an answer or reply back from Shellpoint, despite multiple attempts via phone ( their phones were down for a month ), chat, social media. We finally received the paperwork and I sent in a large lump sum payment plus fees to bring our loan to home value amount to below 78 %. This payment was credited on XX/XX/XXXX by Shellpoint, although our loan was not recast until XXXX, so I had to pay the original mortgage amount. They finally recast our mortgage for the XXXX payment, but I have emailed them twice about automatically removing our PMI based on the Homeowners Protection Act of 1998 and no one has responded to me. It is now XXXX and I want to know when this will be removed and I believe they owe us for unpaid PMI premiums for at least 2 months ( XXXX and XXXX ). This company is literally the worst company I have ever dealt with. My mortgage was sold to them.
Product: Credit reporting or other personal consumer reports

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

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also stated 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 into of information, other than records of convictions of crimes which antedated 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

I have previously sent a letter to Experian, XXXX, and XXXX XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.
Product: Debt collection

XXXX XXXX XXXX will not respond to my mail but somehow continues to verify 11 Collection accounts with Experian and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with XXXX XXXX XXXX. I have disputed directly with them and Experian and XXXX. Experian and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$290.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX
Product: Vehicle loan or lease

I went to the dealership to get a car and the dealership ran my credit multiple times without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX  XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either XXXX or the Creditor is DAMAGING report! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, Equifax is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me
Product: Mortgage

SN SERVICING FALSELY RETURNED THIS COMPLAINT TO CFPB AS " DUPLICATE '', AS ADVISED BY CFPB, RESUBMITTING WITH HEADER, FOR RECORD, NOTING THAT SN SERVICING FALSELY RESPONDED AS " DUPLICATE '' WHEN OPERATING FACTS ARE DIFFERENT. 


There is a trust XXXX XXXX XXXX XXXX in Arizona that filed a foreclosure Judgement sale on our home, claiming they own our mortgage debt. 

We were advised by the prior owner of this debt, XXXX XXXX XXXX, that they sold the debt to another trust in XX/XX/2018. 

In any case, we were never notified of assignment, sale, transfer of this debt. 

Then the prior owner, XXXX XXXX, XXXX in XX/XX/2018, filed a foreclosure judgement sale - despite the fact that XXXX XXXX XXXX XXXX says they owned the debt in XX/XX/2018, but the court action was filed in XX/XX/2018 by XXXX XXXX? 

In addition, we were in the midst of a loan modification applicantIon with the prior owners of the loan, XXXX XXXX, who chose us for their RMBS agreement, and they filed foreclosure in the midst of our application, and changed the terms of the amount within two weeks of the offer. 

Also, the current " owner '' XXXX XXXX XXXX XXXX used false figures in their judgement foreclosure sale, adding on past debt already forgiven in writing by original owner XXXX. 

XXXX XXXX XXXX XXXX is attempting to sell our home based on false figures, and will not proved a qualified written request of figures, and denied our most recent modifcation application, based on their false assertion that we did not supply documents, which they never requested. 

We currently have a FOIA request to find out if XXXX XXXX XXXX XXXX actually owns the debt, and how and when they procured it, as their date of acquisition differs enormously from that of XXXX XXXX ' letter. In addition, we never received written notice of transfer of debt, and, as noted, XXXX XXXX filed foreclosure of Judgement and Sale, a year after they say they sold the debt? and now XXXX XXXX XXXX XXXX, who was not named as the party XXXX sold our debt to, is enforcing the foreclosure sale judgment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate reporting of a Bankruptcy on my credit report with Equifax more than four times. I filed for Bankruptcy and was discharged XXXX. It should no longer be reporting on my credit report. I am continuously told they have verified this bankruptcy which can not be accurate. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - One account Added back 5. XX/XX/XXXX - Request for Method of Verification