23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my dispute to XXXX to remove or verify negative accounts listed on my credit. XXXX has been reporting negative items that have caused a lot of harm to my credit. I called and mailed the companies that are negative ; XXXX said the account balance is {$0.00}, so why is it listed as {$240.00} on XXXX? 

XXXX can not verify anything because they dont have a contract or any other verifying information, I have requested it over five times ; however, I have not received anything proving I opened an account with this company. I also asked XXXX  for the information that was used, that request has been ignored every time. 

Equifax and XXXX have did their due diligence and removed these fraudulent accounts. XXXX keeps lying to me and stating that they verified the information and its accurate. That is impossible due to the facts I have gathered. 

This proves that there never was an investigation and violates my consumer rights. 

I called XXXX and the rep hung up in my face. My Fraud Resolution Specialist has not helped and does not answer my calls and emails. I asked for a different person to be on my case and XXXX told me someone would be calling me. No one ever called. I have written several letters that go ignored, at this point I will have to file a lawsuit to get a fair investigation. 

Equifax has also ignored me several times and lied on the phone saying I could upload supporting documents online and that they cant accept any faxes. You can not upload anything online. But you can find the police report listed here to help you out with the investigation. 

Im tired of my disputes being ignored by the credit bureaus. They have ruined my life.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking you to investigate '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Care Credit/Synchrony Financial opened a new, additional Care Credit account without my knowledge or consent. Synchrony claims to have mailed " opt-out '' instructions for new MasterCard accounts, which I have never received. My existing account is still active, and now there is a second, separate account that has been created which I had no previous knowledge of. Upon contacting Synchrony Financial/Care Credit to ask why an additional account was opened using my information without my knowledge or consent I was informed that they believe they are legally allowed to do so because of their " terms & conditions '', even though I have never given permission for a brand new account to be opened. I stated multiple times that I had never consented to a new credit account being opened and was told it was " temporarily open '' and that there was nothing I could do about it. When I stated that I never received any communications regarding a new account being opened and did not want the new account, and that I had never legally consented to any new Care Credit accounts to be opened in my name I was told that my only option was to " not activate the new card '' and that they would continue reporting the new account to the credit bureaus for the next 120 days. When I stated they should not be reporting XXXX open accounts to the credit bureaus because I only had XXXX authorized open account with them and have explicitly informed them that the XXXX account was opened without my knowledge or consent I was told to " dispute it with the credit bureaus. '' No attempt was made at resolving the fraudulent account or the impact it will have on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX/XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK OF AMERICA, N.A # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid XXXX XXXX XXXX a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with XXXX XXXX XXXX, they informed me that I could call XXXX XXXX XXXX to have them contact XXXX about the {$170.00} having been paid in full. XXXX   advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact XXXX. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by XXXX, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.
Product: Debt collection

Select Portfolio along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, SPS does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. SPS, Inc claims to work on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXXXXXX on behalf of SPS. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXX XXXXXXXX is not the secured creditor, nor have they invoked SPS or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. SPS has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. SPS and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. SPS, Inc refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. SPS, Inc in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Product: Mortgage

I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and  requested they change the Mortgage Company to SOFI and  to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.
Product: Debt collection

I was discharged in a bankruptcy inXX/XX/XXXX. SXXXX XXXX is saying I owe mortgage payments from XXXX, XXXX, XXXX XX/XX/XXXXwhen those payments were paid. They reversed the 4 mortgage payments and applied them to XXXX XXXX Fees. I have been requesting information sinceXX/XX/XXXX and have gotten absolutely no concrete answers on the process of their payment postings, nor what the charges or fees they are claiming. I have constantly been transferred from the " Bankruptcy Dept '' to the " Consumer Loan Dept '' to the " Colle ctions Dept '' to the " Loss Mitigation Dept '' over and over again since XX/XX/XXXXattempting to resolve this issue. When I finally get an e-mail from their " Research Dept '', they are now claiming even more money by taking 4 of my mortgage payments for " fees and costs '' associated with my bankruptcy but with no documents showing where my money was applied to. It is now going on 7 months of no resolution with this bank. I keep getting several different answers/responses with no documentation to prove what they are saying. They have reversed {$2100.00} of what I paid in mortgage payments with NO Notification that they applied those monies elsewhere. Therefore, they are claiming I was late on payments and have charged late fees, caused my credit rating to fall even lower after a bankruptcy discharge. 
I feel this " bank '' is dishonest, continually passing me to one department to another without giving proof on what they have done with my mortgage payments and therefore accusing me of being behind on payments. As of XX/XX/XXXX, I still have not been able to resolve this issue.
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 

XXXX XXXX  XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

On XX/XX/2019 I applied for the fay servicing borrower assistance. I spoke with and corresponded with my account manager, XXXX XXXX, on multiple occasions and provided additional documents as requested in a timely manner. I attempted to contact XXXX XXXX in XX/XX/2019, and when I could not reach her I opted to speak with someone else in the office I was advised they could not speak with me and transferred me back to XXXX XXXX to leave a message if she did not answer. 
On XX/XX/2019, XXXX XXXX returned my call and indicated she had been trying to contact me I asked what number she had called as I did not have any missed calls from her, her response was " Gurll I don't know who I have been calling, I thought you had ghosted me! '' On XX/XX/2019, XXXX XXXX advised me my application was complete and was sent to underwriting for review. At that time XXXX XXXX indicated she would contact me weekly with updates. That was the last time I had contact with XXXX XXXX. I have left voicemail messages and emailed her numerous times. I have never received any decision on my loss mitigation application and as I stated XXXX XXXX is not returning my requests for information. Foreclosure actions have been filed.
Product: Debt collection

My indentification is being stolen. I received a letter on the mail from a collection agency saying I owe XXXX XXXX XXXX when I dont have any access to that company in any way. I called and the representitive mentioned the account has been open since 2020 in the state of XXXX. It is not me, I live in XXXX. Please help me.
Product: Vehicle loan or lease

I paid this loan off back in XXXX of this year. I have had to file dispute after dispute with the credit bureaus to close this account and mark paid as agreed and release my title. They responded by actually increasing the balance to {$820.00} on XXXX and keeping it open on the other two with a balance of {$410.00}. Clearly, there are individuals in charge of this who don't know what they are doing. I have received no help from the company itself. They still have not released my title nor marked the account paid and closed. It even says on their own customer portal that the account is closed and no past due amount owed?
Product: Credit reporting or other personal consumer reports

Several companies accessed my credit report without my consent, leading to unnecessary damage to my credit and score. Despite reaching out to Experian and receiving assurances that these inquiries would be removed, they continue to appear on my report. These unauthorized and fraudulent inquiries are deeply concerning and have left me anxious about the possibility of identity theft. The ongoing presence of these inquiries adds significant stress to my life and continues to negatively impact my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A key Democrat wants credit reporting agencies XXXX, XXXX and TransUnion investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XXXX XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.
Product: Debt collection

National Credit Systems has reported an erroneous debt to the credit bureaus since XXXX. The amount allegedly owed is {$5300.00}. The original creditor is premier property management. In XXXX, a letter was sent requesting Covid-19 pandemic relief. However, the property management began retailing after a series of repair request, leading to a request for lease termination due to contract breach. 

XXXX began using retaliation tactics by reporting erroneously to the credit bureaus. Even though the property management was aware of a financial sufferance from Covid-19 pandemic and requested a waiver/ relief. Management continued to retaliate, while completing outside and unit renovation and decided to pass that debt unto me. The unit was never ready to rent, thus breaching contract, but somehow the property management wants those repair costs passed unto their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
Product: Vehicle loan or lease

This is the second time I submitted a complain but the real issue is the interest rate. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX of XXXX XXXX NJ with 18.4 % interest rate. I am upside down in this car loan and can not refinance because I owe more than the car is worth. I need you help due to the Financial protection laws put in place after the financial crisis of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Product: Mortgage

This has been a nightmare. I applied with Better Mortgage over a month ago. They put incorrect numbers on the loan estimate and I have asked them to fix it severa times. They have the incorrect loan amount, HOA, insurance, taxes, title and cash to close. How hard is it to put the right loan amount??? They didnt even calculate my DTI right so I had to call and get that fixed. At one point I gave up and went to another lender. XXXX XXXX reached out to me and assured me he was working on it and would ensure that everything was fixed. He also offered to apply an incentive to make up for the damage to my credit caused by having to let another lender pull my credit since Better could not seem to get things together. Two weeks later and nothing is fixed on the loan estimate. I have asked REPEATEDLY if were moving forward on the loan or not. I keep getting told that theyll be able to give me an answer in one more day and then its one more thing they need and then one more day, etc. we are now 2 weeks from closing and I dont even know if the loan is approved but its too late for me to go somewhere else!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed incorrect information. Please update and delete the incorrect information.. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FLORIDA XXXX My phone number : XXXX My employer is XXXX XXXX XXXX XXXX
Product: Credit card

Latye paymentys should not be on this account because first of all, I always pay on time
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX