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

I would please like the inquiries on my credit report removed. I wasnt present when the inquiries took place nor was I aware of the fact they were taking place to begin with. I never applied for a loan for any type of vehicle or any other loan of the sort. Im currently in the process of building my credit I would greatly appreciate it if the inquiries were removed so they dont impede the process of me attaining a loan in the future thank you.
Product: Debt collection

XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.
Product: Debt collection

Someone used my name and address to open an account at XXXX XXXX XXXX. They then overdrew the account by {$100.00}. I contacted XXXX and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named ConServe who is now attempting to collect the false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is where I obtained a loan from them. I fell behind on the loan due to a very unfortunate situation. I have been disputing the errors on the account with it coming back verified and accurate each time with no changes. The balance on each credit bureau is different. The last day reporting back to the credit bureau is different on each credit bureau report. The open dates are different as well. They have failed to properly dispute and correct all the information above. I would like for this account to be removed from all 3 of my credit profile due to them not properly correcting my credit reports and reporting untrue information on my credit file.
Product: Credit reporting or other personal consumer reports

I have reviewed my report & noticed I havent authorized for the company to use my information. The dates are from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Debt collection

I visited XXXX XXXX XXXX XX/XX/XXXX. Upon leaving they sent me bill. I called to give them new card information and spoke with several people. After a few weeks I get a letter stating I owe the debt. I contacted the collection company to tell them to have great wolf contact me about debt because I gave them all the information to take payment. Upon calling great wolf lodge XX/XX/XXXX they stated my balance was {$0.00} and there is no balance owed. The young lady I spoke to also sent me final bill for my reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account XXXX : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I'm became victim of identity theft due to a data breach with XXXXXXXX XXXX XXXX whoever stole my identity opened a fraudulent loan with XXXX XXXX XXXX and also attempted to get other loans. Here are some of the fraudulent inquiries that is on my credit report with the date reported. 

XXXX 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 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
Product: Checking or savings account

Bank of America also went into XXXX XXXX XXXX XXXX  account and took thousands from paid accounts in XXXX of 2022 This is in addition to what was already filed.
Product: Mortgage

I called Mr. Cooper on XXXX and asked about getting the account set up on draft because it is difficult for me to make my full payment all at once. The representative told me that I had to get the account caught up before doing that, but she would email me the form. I told the rep that I would pay XXXX and XXXX payments to get the account caught up ; she said they should draft in XXXX. We both reviewed the calendar and discussed the draft beginning on XX/XX/XXXX. This was all spoken on a recorded call. Today, XX/XX/XXXX, I called Mr. Cooper, and the representative told me that the account wasn't set up on a draft because my account is not paid ahead ; the account is due for XXXX. I explained that when I submitted the form, the account was scheduled for XXXX, and I was paid ahead, but they sat on my request and didn't process it, and now they expect me to pay two more payments ahead to set the draft up for XXXX. The rep claimed that I had to make my payments prior to the XXXX and that was never told to me during my initial call. How is that fair? They never communicated that they couldn't set the account up for the draft. This is predatory and deceptive practice because I did exactly what I was told, and now I am forced to use bill pay for my bank and will be charged a late fee each month. This matter needs to be investigated. Why can't Mr. Cooper set the account up on draft as they stated in the recorded conversation? I was advised incorrectly by their staff and am now penalized by this company knowing I am trying to pay my mortgage on time, and they keep changing the rules to assist me better. They should have listened to the recording and honored what I was told. They also need to communicate better, especially when people lose their homes and struggle to keep a roof over their heads. I scheduled my half payment to be sent by my bank today and will send them a half payment each month so they will get a full payment each month, but I will also be charged a late fee every time. This is not fair. Again, this practice is predatory and deceptive.
Product: Mortgage

I NEED HELP WITH MY SHORT SALE. I sent a Short Sale package with a contract in XX/XX/XXXX and no one responded. I lost the buyer. I have a new qualified buyer and submitted a package in XX/XX/XXXX. I have n't had a response yet. My husband is a XXXX veteran and I am his caretaker. We have to relocate and bills are piling up because the maintenance and upkeep is causing more hardship -- We really need help to get this expedited ... ... ..PLEASE! We keep losing prospective buyers because of the timing. 
However, I am pleading with SPS to stop the foreclosure sale scheduled for XXXX XXXX, 2016 and honor my short sale loss mitigation package. 
My husband is a XXXX Veteran and I am his sole caretaker. He suffers from XXXX. 
I came out of Bankruptcy previously in order to do a short sale when I was offered a modification that was n't feasible. 
I listed my property, received offers and submitted my package twice. I have yet to receive a response. Instead, the first time I submitted a package a hearing was schedule to reset foreclosure sale date. 

I resubmitted package and still no answer. I had a foreclosure sale date twice and the judge stopped the sale. I do not want to file bankruptcy again because I can not run the risk of having a Deficiency judgment and I need financial assistance to relocat I have submitted my package to the Consumer Ombudsman office as well as the Short sale department. Please send me a single point of contact whom I can work with and call twice a week until this matter is totally resolved.
Product: Credit reporting

I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my Equifax report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my Equifax and XXXX reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for Equifax. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. Equifax rang and then went dead and XXXX number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!
Product: Credit reporting or other personal consumer reports

The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it? 
Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, XXXX, XXXX and Transunion seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies. 

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay. 

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.
Product: Debt collection

I sent 4 letters asking for validation of debt, on the dates XXXX XXXX XXXX No Response of Validation ... Also sent a letter of failure to validate on XX/XX/2021. Received a bill for XXXX. This Company refuse to validate the debt for 4 months now and continually reporting on my credit file.
Product: Debt collection

Account is 5 days past due ( next payment due XX/XX/XXXX ) and have received at least eight phone calls throughout the day beginning at XXXX XXXX. from various spoofed numbers throughout the country including numbers from area codes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. A caller from a number originating from XXXX, Arizona at XXXX XXXX XX/XX/XXXX asked for my social security number which I refused to provide as the incoming number was not clearly identified as Conns. Another caller, identifying themselves as Conns, advised my phone number did not correspond with my account. Calls have continued despite a payment arrangement being enacted and validated online through the collection department. Calls have repeatedly continued although I have asked repeatedly that they cease. I asked to immediately return a telephone a call from area code XXXX and was told by caller that I could not return a call to the number from which he was calling and was provided a XXXX telephone number. Agents at this number advised I had failed to make a XXXX payment thus triggering the monsoon of calls. This information does not correlate with my bank account statements or online Conns account, which clearly states next payment due XX/XX/XXXX for a one month payment, I can clearly see a payment processed for the month in question. Online account history does not indicate any default. I was advised there was no supervisor who could speak with me. 

In XX/XX/XXXX, I received an email from Conns addressed to someone of a totally and very dissimilar name with foreign account information and details of a payment arrangement with Conns. I immediately called, fearful that my account was somehow entwined with someone else. I was told to disregard the email and the issue would be escalated with a response in 24 to 48 hours, I never heard from anyone calling from a legitimate Conns number.
Product: Credit reporting or other personal consumer reports

I have paid the account to zero balance on XX/XX/year>. The same day the statement came out. I reached out to the card company since they did not accurately reflect the correct information on the credit report. They said the balance would reflect XXXX balance and would be updated by the end of XX/XX/year>. As of today they are reporting I have increased my use of credit from {$370.00} to {$410.00} when this entire time I have a XXXX balance and a credit for overpayment of {$4.00}. I have disputed this with the credit report agency and the credit card company again confirmed the incorrect information as accurate. I have balance statements and live app information to confirm my information is a XXXX balance but neither the card company nor the credit report company will update to reflect the accurate information and continue to reflect the fraudulent reporting information.
Product: Debt collection

Happened on XX/XX/19 @ XXXX XXXX. Scammers posed as debt collectors attempting to extort money, did not answer. No information given out. Constant calls. Enrolled in do not call registry line.
Product: Mortgage

I refinanced my loan from Newrez to another lender with payoff completed to Newrez on XX/XX/XXXX. Issue in getting my escrow balance of approximately {$7400.00} left in my account to be refunded. 

XX/XX/XXXX : Mortgage loan paid off to Newrez XXXX : Called Newrez customer service inquiring escrow balance refund. XXXX told check was sent on XX/XX/XXXX but i told them it's not received. I requested them if possible to refund electronically. 

XX/XX/XXXX : Called Newrez customer service again and inquired about escrow balance refund. I requested again if possible to refund electronically as that would be quicker.. Agent noted down the bank details and mentioned it will be refunded within a week. Spent approximately 15 mins over call. 

XX/XX/XXXX : Refund not received, called customer service again. Agent told, he will submit a ticket to concerned department and expedite. Agent mentioned, refund will be issued by XX/XX/XXXX. Spent approximately 20 mins in a call with agent. 

XX/XX/XXXX : Refund not received. Called customer service for 4th time, agent said ticket submitted earlier was closed by concerned department stating " No balance '' although he said there is an escrow balance left. He said will submit another ticket and get it escalated to concerned department. I requested the agent for email id to concerned department since i'm not getting any communications or updates for the concern raised over the call. 


XXXX : Called Newrez customer service for XXXX time to inquire for escrow refund. Again, agent said he will submit a ticket to get the refund. I expressed my disappointment as o don't see this issue being looking into correctly. Also, i have not received any response to my email sent on XX/XX/XXXX. Agent stated i should get the refund by XXXX. 

XX/XX/XXXX : No refund received yet, so called Newrez again for 6th time and spent almost 120 mins to explain the details and for the agent to put me on hold to review the account. Agent stated they incorrectly applied escrow balance to principal rather than the buydown fund and said will submit a ticket to concerned department to review the account further and it might take upto 60 days to get the refund from paid off ( which is on XX/XX/XXXX ). I requested the agent that i need to talk to the supervisor. After a brief hold, i spoke to the supervisor and explain the issues/concerns and my disappointment & frustration that i'm spending lot of time to get the refund but ending up no response/communications from the loan servicing department. Supervisor said she understood but there is nothing much she can do as it needs to go to another department for review and said will escalate this ticket and try to expedite. 

I'm running out of options and spending lot of time to get the escrow refund from Newrez and expecting this to be closed/resolved soon.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX amount {$990.00} company as a debt creditor must provide by way of documentation? At a minimum, it must produce : A copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by you. XXXX XXXX has no knowledge of any account that I ever had with this company has no knowledge of any debt that I owe to this company