23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed that this company kept coming up on just 1of my reports and I didn't recognize them so I disputed the charge but they stayed on there so I researched and they claim that I owe XXXX  XXXX XXXX so I called XXXX and got a paper bill which shows that I have a XXXX balance and I am caught up and current. They insist that I still owe them, so I called them and told them they're wrong, they said they would investigate and after going over the information they have the wrong account and wrong name, well they're still on my credit report for XXXX but not the other 2 which they never were. I have disputed it but they insist I owe, I have sent a copy of my XXXX bill plus talked to XXXX  and XXXX  says they show that I have never been late with a payment and don't know what mrsbpo is talking about. I called them again and sent them my proof that they are wrong and they added XXXX to what they say I owe. They're costing me money, they have cost me so much, I can't get a loan, car, job, furniture, so much. They continue to cost me money and they know that they are wrong! Now they won't talk to me or even acknowledge me once they find out my name they hang up. My name is XXXX XXXX and my name is popular. But I have provided proof that they have the wrong account number and address and they even have the wrong date. I do not owe anyone anything, I have XXXX debt, I own my cars, my house, and I pay all my bills on time and in full, I always have. The company is MRSBPO debt collector. I don't know what else to do.
Product: Debt collection

Fidelity Creditors has not done the required due diligence in collecting valid notarized documents from their client business XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information to the credit bureaus. Thus Fidelity Creditors is guilty and libel of defamation and harassment towards me by using fraudulent documents to negatively impact my credit report. Also, Fidelity Creditors is sharing my personal information with other people and businesses without my permission and have thus compromised the security of my identity and put my personal well-being at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the collector Lowes, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Lowes, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Product: Vehicle loan or lease

I reached out to Open Road Lending llc. Multiple times regarding this matter of trying to cancel gap insurance. I was very clear to them in the being that i did not want gap insurance. XXXX XXXX is the name of the agent that i worked with at open road lending and when i noticed the gap included in the docu sign contract that was sent to me i asked he about it and he stated that he would get this issue resolved this was on XX/XX/2022. Now i am still calling and getting the run around between opening road lending and this third party dealer XXXX XXXX XXXX on trying to cancel a policy i never wanted or asked for to begin with please help as i do not know where else to turn.
Product: Debt collection

This was reported inaccurate and needs to be deleted from my credit report!. It was reported to XXXX date closed XXXX and Transunion it has a different date of XX/XX/2016 a clear violation of my rights accordingly to the fair reporting act delete immediately from my Transunion XXXX and XXXX report thank you
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for XXXX XXXX XXXX XXXXXXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX,2018/ XXXX XXXX2018,   XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Product: Payday loan, title loan, or personal loan

XXXX date I filed a XXXX  compliant about my car insurance XXXX Requesting a response but no call back or email happen. Then my car from insurance got deleted.
Product: Debt collection

I was contacted by mail by law firms that will represent me in a lawsuit brought on by Portfolio Recovery Associates. I was n't aware of any lawsuit against me by Portfolio or anyone. I called Portfolio Recovery and they do n't have any records on me by searching my name or full ssn. The lawsuit claims I was in default XXXX. I called XXXX XXXX and they do n't have a record of me opening an account XX/XX/XXXX. They have no records of me at all. I researched the XXXX XXXX XXXX public records for a case against me. I found where Portfolio filed on me XX/XX/XXXX. I called the court house and they do n't have anything else but a case file. I was never served and the court does n't have any court dates scheduled for the future. I have court papers I got from the XXXX XXXX XXXX courts and the papers say unofficial. I also tried to contact the Attorney that Portfolio hired, but she never returned any calls. I found an article on XXXX XXXX about Portfolio stating the CFPB filed against them for pressuring consumers with false statements and churning out lawsuits using robo-signed court documents by the Consumer Financial Protection Bureau. I believe that is what happened to me. It 's a false judgment, neither company has any information on me. I feel harassed by them, spent a lot of time and effort trying to figure if this is a legitimate case and lost a lot of sleep.
Product: Credit reporting or other personal consumer reports

Vehicle was no longer in XXXX condition and warranty to XXXX was not honored.
Product: Debt collection

On XX/XX/2020 at approximately XXXX PST In an attempt to gather more information about a debt being reported on my credit report through XXXX  I contacted CCS Collection at their Call Center number XXXX, I spoke with representative XXXX XXXX, who informed me of an alleged third party debt from a company named XXXX XXXX. 

I instructed the representative, Ms. XXXX, that I do not have any open or outstanding debt with the said company nor do I have any relationship past, or present with XXXX XXXX. I further requested validation of the said debt. She gave me a file # XXXX. 

I informed her the information she has does not belong to me, and I have never lived at the address in question, and I wanted it deleted immediately. This erroneous reporting is having a negative impact on my character and financial position. She refused to validate the debt any further and told me they will continue to attempt to collect and report. 

I asked to speak with a supervisor and was transferred to Senior Supervisor XXXX XXXX. I requested a mailing address for CCS, as it wasn't listed on my credit report. She informed me that there is NO Social Security Number attached to the file and they only had my name and birthdate. However, the address and other information did not match my information. She instructed me to file and ID Theft, and complete a police report. I told her that if the information she has isn't me and you aren't able to match my information, I wasn't going to file any ID Theft for erroneous information that can not be validated. 

They refuse to offer any other help and told me they will continue collection efforts. Please help me clear this erroneous information and further cease all collection efforts.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am currently trying to resolve a matter with PHH mortgage company. We 've have a prior run-in with them before and the CFPB was very beneficial in helping us. PHH illegally went to sale on our home in XXXX. Once we called them out and filled a complaint, they vacated the sale. They 're now they 're refusing review our request for loan modification on our VA loan and to stop a sale date on our property. The filing of sale was posted on XXXX XXXX and set for XXXX XXXX. 
PHH is stating that they will only postpone a sale if it is XXXX days prior to the sale date - the difference between XXXX XXXX and XXXX XXXX is XXXX days. This XXXX day rule would make it impossible to stop the sale according to PHH. 
We need your help to stop this action - we are working tirelessly with them to try to resolve this matter and they are making that as difficult as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXXXXXX XXXX account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a XXXX late payment for XX/XX/XXXX, which does not align with my payment records. 
Discrepancies Across Bureaus : The reported details for the same account vary across TransUnion, XXXX, and XXXX, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness. 
Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations. 
Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late. 
Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ). 
Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records. 
This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX  : XXXX *XXXX XXXXl Account : XXXX XXXX  XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.
Product: Mortgage

Freedom Mortgage ( FM ) mishandled my escrow account : In XX/XX/XXXX, FMrecorded & paid wrong amount for my homeowners insurance from escrow. Paid {$2700.00} to XXXX XXXX XXXX XXXX for my homeowners insurance from escrow acct ; correct amount due was {$1.00} XXXX. I caught the error in XX/XX/XXXX & contacted XXXX to fix it. They transmitted the correct policy amount to Freedom Mortgage of {$1900.00} & reimbursed me {$790.00}. In XX/XX/XXXX, FM sends annual escrow statement and it contains erroneous {$2700.00} payment used to calculate new mortgage payment. As a result, my monthly mortgage payment increases by {$140.00} as they believe there is a shortage. I contacted FM by email & direct message on XX/XX/XXXX of the error & please fix it as it caused my payment to go up effective XX/XX/XXXX. Received a reply it will be researched & reply by XX/XX/XXXX. Never heard back. On XX/XX/XXXX I called & was getting run around saying can't get answer til do another escrow analysis & now it's XX/XX/XXXX for next reply. I stated that was unacceptable as my next mortgage payment is due before then. Please give me to supervisor. Put me on hold for Escalation Dept and was on hold XXXX min when they disconnected my call!! I had to call back & go thru whole thing again. Was on hold another XXXX minutes before got to Escalation Dept. She tried to tell me I was wrong & we went back & forth until she brought the insurance department into call. Took another XXXX minutes explaining the error to them & finally they offered to request new escrow analysis on XX/XX/XXXX. I asked if that will be in time to be reflected in my XXXX payment & she couldn't say... I asked if I would be contacted of the results & she said I can just keep checking the website to see if it shows up and eventually will receive notification by mail. I was on phone from XXXX am - XXXX!! This is a recurring them with FM.. can't get someone to help that's knowledgeable, get a different answer each time you call, promises to reply by specific date go unanswered, employees try to tell you you're wrong & just wait it'll get fixed, no offer to provide a dedicated phone number for help when the problem doesn't get fixed by date indicated, no apology for the error, shouldn't take that long to correct an account error, no urgency or concern that my mortgage payment increases by {$140.00} a month because of THEIR mistake & no urgency to fix it!!! This company needs serious oversight & to be audited by investors XXXX XXXX and XXXX XXXX
Product: Mortgage

Back in XX/XX/year> I called my mortgage servicer to see what my options were for a hardship. I was soon going to be unable to make my mortgage payment of {$2700.00}. I had lost my job and had a decrease in income as a result. I was given about 3 different options but the option that seemed to suit best for me what a loan modification. The representative specifically told me ( on a recorded line ) to not make any payments during the loan modification process. I specifically as how this would affect my credit report. I was told that the account would become past due but that once the loan modification was agreed upon and complete that they would have any past due/late payments removed from my credit. They are showing that I am late in XXXX XXXX XXXX. Some of these months were months I was told not to make payments and others were month 's I was making a trial period payment of {$2500.00}. A loan modification was eventually agreed upon but the late payments have remained on my credit report. I have submitted several disputes to the tradeline on my credit report and I have reached out to the servicer but they have not removed the lates/past dues.
Product: Mortgage

I have a mortgage through Suntrust ( now owned by Truist ). I've attached the pdf of Truist offer to " help '' to those people who need assistance due to the Covid-19 pandemic.

On the above mentioned pdf, Suntrust mortgagees are given one phone number to call in order to speak to someone directly about our specific situation and needs. However, each time I call, I am placed on hold for hours at a time with no one ever answering. In fact, I was just " disconnected '' after almost 4 hours of waiting.

There is no online way of connecting with them, and when I call other Suntrust numbers ( ie Client Services ), as soon as I get hold of a live person and say I need mortgage relief due to Covid-19, I get transferred back to that one same number that I have already been calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on active orders during XXXX XX/XX/2023 and XXXX XXXX bank during this time reported my account as past 30 days due. I was financially restricted however I did have a payment setup as they would call me and I would make the payment. They never called or notified however they knew I was on active orders during this time. The next week I called and paid the balance in full, that same month they reported my account as 30 days past due. Afterwards I reached out to them on XX/XX/XXXX regarding it to be removed, then again XXXX XXXX. Nothing has been done and no fix was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following inquiry are fraudulent : XXXX. XXXX XXXX XXXX OF DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 5. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS
Product: Bank account or service

Chase Bank XXXX : XXXX I closed the account when I was having an issue transferring money to my account. The amount I transferred was {$410.00} the remaining balance which later I received a letter that I owed. Once I went into the branch and they looked over both accounts it was handled. I never owed Chase any money the previous amount removed and the bank teller did not close the account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been Contacting XXXX, Equifax And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A XXXX Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints against XXXX, Equifax and XXXX. This complaint is in response to XXXX and other complaints I have submitted. I XXXX XXXX XXXX am submitting this complaint on my own behalf. I, XXXX XXXX XXXX am the original creditor in all consumer credit transactions that are listed in the debt base system of the aforementioned credit reporting agencies. I XXXX XXXX XXXX am the credit per the Truth In Lending Act found at 15 USC 1602. The information listed on these reports are ALL inaccurate and false and misleading as I, XXXX XXXX XXXX am the original creditor and each company listed is a debt collector per the Fair Debt Collection Practices Act. Per the Fair Credit Reporting Act I submitted written instructions as the consumer and natural person for items to be removed from my credit report. In addition I sent in a certified letter which all companies did not honor the demand of the consumer and are still in violation of my consumer rights. The first violation is the violation of 15USC 1681a ( 2 ) ( b ) as extensions of credit directly or indirectly should be excluded from the consumer report. To further as mentioned I sent in a certified letter pursuant to 15 USC 1681b ( 2 ) stating my rights that were violated by the credit reporting agencies. In addition each company refers to themselves as Credit Reporting bureaus which is false and misleading as the term bureau means the Consumer Financial Protection Bureau. Lastly there were several items deleted from my XXXX credit report that is direct admission of the company violating my consumer rights and for that I am asking the CFPB to enforce the law. For the violations listed the total invoice amount is {$3000.00}