23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is with Select portfolio service.I fell behind on my mortgage at the begging of the year. in XXXX i had the money to pay the back payments so I called in and did so. after I made the 3 payments I was informed that the payments I made where to be credited words accelerated interest and would not count as payments therefor I was still considered in default. I applied for mortgage resistance with SPS hoping they would work with me. After wasting my time for months they denied me assistance but offered to honor the original note and send me a reinstatement quote with the accelerated interest removed. when I received the quote it still had the accelerated amounts on there. I requested a new quote, it came back at a lower amount that was still higher then expected I asked for an itemization of the amount and received no answer back for many weeks. The whole time my property was moving through the foreclosure process. When I received a notice of sale date I continually called trying to get an itemized reinstatement and received no answer. when I finally got someone to send me a quote it was once again the amount reflecting the accelerated interest and was not itemized. I have been going back and forth for weeks and still have not received the correct and itemized quote. Now mt sale date is a week away and they have said I will have the correct quote any day now. I feel as if their process is designed to waste time and move me into a worse position closer to the foreclosure date. I have tried ot contact the foreclosure attorney and have not received a call back. I have a willingness to pay this loan and I am unable to get a straight answer as to how much to pay or able to discuss this problem with a decision maker. I have run out of people to talk to over there and I still do not have an itemized reinstatement figure. I am willing and able to pay the missed payments I would like to but the penalties at the end or have them spread out over time but I cant do anything without a figure to work from.
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR DELETION OF UNAUTHORIZED INQUIRY To Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I did not give you permission to access my credit profile, and you have no permissible purpose by law to contact third parties, such as credit reporting agencies, with my personal or financial information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, " A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT, '' the law CLEARLY STATES : " 1681b Permissible purpose of consumer reports ( b ) CONDITIONS OF USE 3. IN WRITING. A consumer reporting agency shall not furnish a consumer report : I. unless the consumer report is provided to the person who requested the report for use in connection with the extension of credit or the review or collection of an account under section 15 U.S.C. 1691 ( e ) ( 1 ) or 15 U.S.C. 1691 ( f ) ( 1 ) ; or II. in conjunction with a credit transaction that involves the application of the 15 U.S.C. 1691 ( a ) ( 1 ) prohibition regarding discrimination against any person who in good faith exercises any right under this chapter. '' As the " CONSUMER, '' I have not given you, the " CREDITOR, '' written instructions to furnish this " UNAUTHORIZED '' inquiry on my consumer report.

I hereby DEMAND the immediate deletion of these unauthorized inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

This is a multiple occurrence. I was trying to make my on time payment in the time allocated. The automatic system kept saying I had to pay a current amount due of XXXX. That is my Balance. When I kept try to a payment Over the required minimum payment stated on my bill of XXXX, I was transferred to a representative of which there was No One because they were closed. This went on for 6 phone calls. I was finally able to pay the XXXX When I called Monday XX/XX/XXXX  I spoke to XXXX. First I had to answer questions for the auto service, then when I got to XXXX she verified my name, last 4 of SSN, and Account #. She then wants to verify 8 other things. I never verified if the auto service charged me a late fee after my being on the phone over a half hour. XXXX thought it was funny asking me to verify my address, phone #, email and other things that have Nothing to do with verifying who I am. The discover employees seem to enjoy harassing their customers. Thank you
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : or Madame I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.
Product: Credit reporting or other personal consumer reports

Lexisnexis is reporting false public record on my report i spoke with the courts that they say it was filed in and they told me they don't send information to any reporting agency 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, and it has definitely been well over XXXX days.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I would like to make this brief. I have contacted Equifax, XXXX, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Product: Debt collection

I recently filed a CFPB complaint against Receivables Management and they responded stating that the collection is not theirs. I am attaching a screenshot of my most recent credit report dated XX/XX/year> which clearly states that RMS is reporting a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00} XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/202 XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - XXXXXXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00}
Product: Vehicle loan or lease

This company has been on my credit for 8 years it was a repo. This vehicle was sold and changed the balance to XXXX it remains at XXXX it hurts my credit score to the point I cant get jobs I cant purchase another vehicle to make it to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I called American Express to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a platinum card, gold card, a blue card and/or a green card. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from American Express without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, gold, blue and green. While checking my inbox on my email, I got credit alert from XXXX on XX/XX/XXXX stating that American Express pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that American Express pulled my credit report from XXXX and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX and XXXX ). How can American express do this? I called American Express right away to inform them about what happened to me. I was misled and made to believe that American Express would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from American Express stating that the 3 credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the credit inquiry of American Express, while XXXX and XXXX  still continues to have the credit inquiry of American Express in my credit report. I sent letters to XXXX, XXXX   and American Express to remove and suppress the credit inquiry, but have been unsuccessful. American Express sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to American Express including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602a -States I have the right to privacy. 

15 U.S.C 1681 Section 604a- Section 2XXXX It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There is an Inaccurate inconsistent payment history reporting for this account. Ive attached a screenshot of the payment history for your records. Ive sent in disputes by mail to this company, they have not responded to any of my letters. Per FCRA, this is a violation of reporting false unverified information. This account is paid and closed and should not be reporting as a collection account for the month of XX/XX/2019. How is it that the last payment date in this account was XX/XX/2019, yet it was in collections XX/XX/2019? So it went from being paid to in collections in 30 days? Please remove from my credit report. This account hasnt been verified and has inconsistencies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists OF XXXX XXXX {$720.00} ACCOUNT XXXX, XXXX XXXX {$25000.00} ACCOUNT XXXXXXXX XXXX XXXX XXXX {$870.00} ACCOUNT XXXX, XXXX XXXX XXXX {$1800.00} ACCOUNT XXXX, XXXX {$660.00} ACCOUNT XXXX, XXXX XXXX XXXX XXXX {$600.00} ACCOUNT XXXX. REMOVE THESE UNAUTHORIZED INQUIRIES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Mohela initially did not provide me with my financial/payment history as I requested repeatedly. On XX/XX/XXXX a Mohela customer service representative told me that I was in deferment or a forbearance for much of XXXX and XXXX when in fact I was not and was making payments and was in repayment status. Mohela was my loan servicer in XXXX, XXXX, and XXXX. Finally, after several months, the company finally sent me the requested payment history information on XX/XX/XXXX via their online portal. Mohela keeps sending me responses saying that I have XXXX qualifying payments toward Public Service Loan Forgiveness. However, these XXXX qualifying payments do not include all the payments I made in XXXX and payments I made in XXXX and XXXX according to their payment tracker and according to the payment history report dated XX/XX/XXXX which I note now includes all of my payment history. The report provided on XX/XX/XXXX yields a qualifying payment count of more than XXXX. My qualifying payment count is missing approximately XXXX qualifying payments made in XXXX, XXXX, and XXXX. 

Mohela says that the payment tracker is updated upon confirmation from Federal Student Aid. However, due to Mohela 's handling of my requests and inaccurate reporting ( via a customer service rep ) of my payment status in XXXX and XXXX when they handled my loan, I don't have faith that Mohela has sent over accurate payment information to the Dept of Education/FSA .
Product: Checking or savings account

This bank continues to add fees to my account XXXX charged in fees. I am on Social Secirity and these fees are excessive. I mailed a deposit on XX/XX/XXXX for XXXX and on XX/XX/XXXX I mailed another XXXX deposit meanwhile Citizen 's Bank continues to add on fees. I am already struggling. I am requesting these XXXX fees be reimbursed and all fees reimbursed since XX/XX/XXXX be reimbursed. I called the citizens bank multiple times but there is nothing they can do for me. I'm frustrated as heck with these fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I there are fraud items on my credit report that do not belong to me and I told Experian and they are refusing to remove this item eventhough the 4 agents ( XXXX, XXXX, XXXX and XXXX ) I spoke to seen my documentation. 
I sent over my proof showing that this account isn't mine, the Bankruptcy office is closed and can't verify but I was able to get a document from the office and I was told that this document would suffice and no one has been helpful to me and I'm constantly being hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched phones but I do have documents and I can get them for you.
Product: Debt collection

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit card or prepaid card

I reported fraud for my Wells Fargo credit card and they file a fraud claim. My credit card was stolen and I received a text massage from WF asking me if I was the one making this charges and I inmidially replaid NO and I called WF to cancel credit card. I received a provisional credit and then after weeks they denied my claim. When I call WF and I ask why my claim was denied they told me because we believed ITS NOT FRAUD because I shop with this merchant in the past. I requested to talk to the manager and I make a complain so far no one have resolve my issue. I can not believed they denied me because I had shop before with some of the companies my credit card was charge. I told then I have this credit card for years and i always pay in full everymonth my balance. My credit is perfect and I am a very honest person. And I guess they dont care, I reported to the credit bureua already. I advised to WF not going to pay what i did not used. Period.