23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made payment arrangements with XXXX XXXX XXXX XXXX and o have been paying the {$35.00} a month. I am sending messages and payment information in this email. 
Now I received a letter that SherlOQ is a collection agency assigned to take over for debt collection. I have an arrangement with XXXX which I am still paying and it is not right for this fraudt company SherLOQ to contact me. I live on a fox income and I am not of work and am barley able to pay my XXXX XXXX arrangement but I do pay it and not XXXX XXXX is reneging on the agreement. I do not have money for anymore payments. I want this company to stop contacting me as I am paying my bill at XXXX XXXX. 

Messages of payment plan acceptance : XXXX on XX/XX/XXXX This message is a reply to XXXX per your reply I will accept the payment plan to pay {$35.00} each month. 
XXXX on XX/XX/XXXX Ms. XXXX I have updated your account to reflect a payment plan. 
SYSTEM on XX/XX/XXXX This message was closed by XXXX My payments : Date Description XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$430.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$470.00} XX/XX/XXXX Payment made ( through XXXX XXXXt ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Balance updated : {$390.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Arc Home LLC is our mortgage lender, who has failed to pay my Q3 & Q4 XXXX property taxes from my escrow, resulting in XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX taking actions to file a lien and proceed with a tax sale. The loan number is XXXX. My mortgage payments are always current & the escrow account is sufficiently funded. I've been sending delinquent tax bills to Arc Home beginning XX/XX/XXXX. Copies of all my correspondence are available upon request. I have been calling Arc Home customer service repeatedly for months and can not get any resolution. Every promise to pay they've made to me has been broken. You never speak to the same person twice & they will not share their last names, direct tel # or email. I have received NOTHING in writing from Arc Home acknowledging my correspondence, or indicating they were even looking into this. Arc 's customer service is HORRIBLE! And it takes on average 4 - 5 minutes to get thru their automated call menu before being able to speak with anyone ( never the same person ). On Monday they told me the problem was they couldn't get ahold of the XXXX Tax Collector, so at that point I called the tax collector myself & put her on a three way call with Arc Home. The Tax  Collector denies ever hearing from Arc Home or receiving any of the emails they claim to have sent her. At this point Arc Home still has not paid the delinquent taxes and refuses to give us any indication when it may be resolved. Arc Home told me to 'disregard the threats ' by the Tax Collector as it is not my property (? ) Is there anything that can been done? I'm now receiving notices of tax  sale from XXXX XXXX for these delinquent taxes. I just want Arc to pay my property taxes! 
In full disclosure - in XXXX we purchased the adjacent vacant lot  ( XXXX XXXX XXXX XXXX, which was legally consolidated with our existing property in XXXX. Copies of the deed consolidation were sent to Arc Home. The XXXX tax assessor did not consolidate the lot & block numbers until XXXX. However Arc Home did agree to pay all taxes & actually did pay the Q1 & Q2 XXXX taxes. This outstanding issue of delinquent XXXX  since XXXX XXXX is on that vacant lot, which was consolidated last year with our existing home / property ( copies available upon request ). 
Please advise what you need from me. Thank you very much for your time. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, cell # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then seven years.

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

I opened a car loan with Santander Consumer USA in XX/XX/XXXX and was voluntarily repossessed in XX/XX/XXXX, since then they have charged off the account but is still adding interest and fees to the account as well as reporting and updating my Credit Bureau each month
Product: Debt collection

I am writing to formally dispute the unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have reviewed my credit report and discovered that Conserve has obtained my credit information without my explicit written consent.

According to 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only under specific circumstances and with the consumer 's explicit authorization. I did not provide any such authorization to Conserve, nor did I consent to the furnishing or obtaining of my information.

I request that you : 1.Conduct a thorough investigation of this unauthorized inquiry.

2.Provide me with a copy of any written consent or documentation that Conserve claims to have regarding this inquiry.

3. Remove the unauthorized inquiry from my credit report.

4. Provide written confirmation once the inquiry has been removed.

Please consider this letter a formal request for an investigation under the FCRA. I expect to receive a response within the 30-day timeframe mandated by the Act.

Enclosed are copies of my credit report highlighting the unauthorized inquiry, as well as a copy of my ID for verification purposes.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures :
Product: Credit reporting or other personal consumer reports

Equifax is reporting late payments for an account that I was never late on. The most recent late payment that they are reporting is in XX/XX/2023 for the account XXXX XXXX. No other credit bureau is reporting this erroneous error. I am requesting that the late payment is removed from my credit report due to incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX  XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX  XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX  XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ( Original creditor : IXXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX   ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters and notices to Equifax countless of times requesting that they remove these accounts from my credit reports due to the fraudulent accounts. I have filed police reports and identity theft reports as well as contacted all the creditors. 

Equifax is not obeying the law at all and are breaking the laws just because they feel like it. But I will be getting my attorney involved at this point. 

They told me to include the account numbers. I did that. They told me to file a police report. I did that. They also told me to write and call the creditors. I also did that. So, what does it really take?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$7500.00} XXXX XXXX  Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear OPPLOANS/FINWISE, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that OPPLOANS/FINWISE has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to OPPLOANS/FINWISE to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that OPPLOANS/FINWISE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting OPPLOANS/FINWISE to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Mortgage

The status of the account is incorrect. The status should say Transferred/Sold to another lender. Mortgage lenders believe this is a foreclosure and we are still in possession of our home. Its Real Time Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - attempted to place credit freeze on experian account. Received a reply to provide information to verify identity. XX/XX/XXXX - attempted to upload ( XXXX ) the information that they requested, and there system will not accept the information. I have frozen my report with XXXX and XXXX XXXX with out any problems This company is very difficult to deal with, and you cant talk to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX TXXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXXBalance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$470.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXXBalance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bmw financial reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all XXXX bureaus and during dispute process with XXXX Bmw financial then corrected the info by sending response that the XX/XX/2022 payment was not late so 30 days late status was deleted. I then contacted Bmw financial again due to it was corrected on XXXX but not on XXXX XXXX XXXX. 
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my XXXX report & reported another 30days late status for the same date of XX/XX/2022 that they had previously investigated & corrected!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting and sending documentation to the 3 credit bureaus for over a year now about my credit report and how things are not correct on all 3 bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!
Product: Credit card or prepaid card

My Chase Visa was charged {$420.00} via the XXXX Website on XXXX2017. XXXX did some redirect when I hit submit and the charge was increased and made by XXXX. On XXXX I chose a 2 BR, Premium, Beachfront, Beachview, twin beds in the 2nd BR Condo. I have presented evidence to XXXX showing them that I got a 1.5 BR condo with bunkbeds shoved into a tight Alcove. It is a XXXX Condo with no updates and is very definitely not Premium. There were no twin beds and it was a 1/2 mile hike to the beach. <P/>Chase. XXXX XXXX XXXX, XXXX, DE XXXX replies to my dispute with a general statement that I received the product for which I was billed. <P/>There seems to be a deception going on in that the XXXX Website removes itself from the process when you hit submit. When you hit submit you get charged a higher rate and eventually you see the product is not as described by XXXX. <P/>Chase is negligent in not properly investigating this and protecting my purchases from this deceptive fraud.
Product: Bank account or service

On XXXX/XXXX/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.
Product: Debt collection

RMP LLC. 
Have called several times and they couldn't prove anything information nor account number to me. Refual to provide any info to me.
Product: Debt collection

This debt was originally through XXXX XXXX XXXX cell phone service between XXXX - XXXX. I had 2 lines and I requested one line be removed - it was no longer needed. They refused because I was under a contract. I explained I could not afford to pay for a line I was not using. When my contract ended ( sometime in XXXX ) I changed cell phone service. In XXXX I had to file bankruptcy and it was discharged in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXXXXXX XXXX XXXX, the accounts are reported as being paid on time, however, in XXXXXXXX XXXX XXXX, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. Experian is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also Experian of these violation of the FCRA
Product: Checking or savings account

On the XX/XX/XXXX I opened a CD at the Bank OZK for {$5000.00}. It was for XXXX months expiring on XX/XX/XXXX. The account # was XXXX. The interest rate was XXXX XXXX. 

I never received a notice that the CD was expiring. Without my knowledge on permission the CD was rolled over to one with a interest of XXXX XXXX. What a rip off. Why didn't they roll it over to the current rate?