23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, this company keeps reporting inaccurate information to the credit bureaus such as " late payment '' every single month on a closed account, a " past due '' on the same closed account. How is this possible? I have sent them multiple letters and they never respond even when i point out factual errors and inaccuracies such as reporting a late payment for the same month and year that they report " on time '' to another credit bureau. This is hurting m ability to obtain a fair credit score and report and making it very difficult to obtain a mortgage. 

I have disputed with the credit bureaus which in turn sent me to this company and i contacted them but instead another company by the name of " XXXX XXXX XXXX XXXX XXXX XXXX '' responded saying that they are in charge of collecting the debt but they dont even show up in my credit file.
Product: Mortgage

Lender XXXX XXXX Branch Manager and Business development NMLS # XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA promised me loan was approved gave me numbers and told me not to worry dont pay the next two house payments my appraisal came in then he changes his numbers added extra fees and basically treated me like a pile of XXXX honest to XXXX i have never felt be little before. I went to another lender. He continued to harrass me calling me ongoing day and night bribing me with changing the numbers basically threatening me if didnt go with his lending company ask him nicely to sign off on my appraisal that i paid nearly XXXX for. He has been doing nothing but stalling. I am so fustrated at his professionalism, which has been none. I was underder the impression u canchoose and have he choice of a leder which you choose I have asked him nicely repeatedly for the documents my new lender requesting tell me he does not wan na waste his time if not going with him. I have several voice message i saved several emails too many too send would have to make a file and send everything ut has been a horrible esperience with this guy. No one shoudl be treated like this Then proceeds to tell me how he is paid and doesnt make money off me XXXX this is rediculous i told him several time i am not doing my loan with him all i want is for him to sign off on my apprasal so i can use iit. he has not only made me late on my mortgage payments he has put me in a finacial hole along with lying and bribing and to tell you the truth i am sick and tired of it please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX  XXXX {$62.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

I had a mortgage loan with Ocwen/ GMAC that was paid in full in 2006 as of today it does still as open on my credit report
Product: Debt collection

I am not liable for this debt with XXXX, I do not have a contract with Jefferson Capital Systems , LLC they did not provide me with a contract as requested
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 XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the XXXX, 15 U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXX ( b ). According to, 15 U.S. Code XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

We made a wire transfer from XXXX Bank on XX/XX/24 in the amount of XXXX to Selene Finance. This was in an effort to come current on our loan. As of XX/XX/24 that money has not been applied to our account. 
I have contacted customer service on XX/XX/24 and spoke with XXXX she insisted that I send a screen shot of my bank account showing the transfer and transfer amount so that XXXX could begin the investigation process to find where the funds are. I had spoken to XXXX XXXX in XXXX -- He assured me that he found the funds and would have them applied ASAP. 
We have had numerous issues with this company, loosing bank checks and wire transfers is just two of the issues. 
This is my third complaint against the company -- My husband and I have spend countless hours trying to work with the company to rectify issues.
Product: Mortgage

In XXXX XXXX XXXX and I sold a property in XXXX XXXX Georgia. We owned the property and there was money left in Escrow. Recently when I checked our post office box in XXXX XXXX Georgia the checks were in the box but the envelopes were damaged. The checks had past the 180 day mark and now were to old to cash and they have not been cashed. I have contacted XXXX XXXX XXXX which is now PPH motgage and have not gotten a response for 6 months now. I was told to send copies of the checks to the research department which I did twice and faxed copies numerous times. It is now XXXX and we still have not gotten replacement checks for our money in escrow and every time I call they say it will be looked into.Still nothing.
Product: Credit card

1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the " New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the " Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these " bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the " small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times.  I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX   the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Product: Credit card or prepaid card

Spoke to customer service regarding credit card received that I did not apply for nor do I have any interest for credit card. There was approximately {$140.00} that was charged but it did not specify what the charge was. The gentleman I spoke with credited my so called credit card. About 2 weeks later I received a letter from Genesisfs card services requesting me to file an identity theft complaint and to provide Genesis a copy of the letter within 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I settled my debt with Enhanced Recovery Co. I requested for them to remove the account from my report, which they have blatantly denied.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN, XXXX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian, XXXX and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXXThese Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, XXXX and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Product: Debt collection

Dear Credit Management, you violated XXXX XXXX XXXX, consumer, rights to privacy in addition to violated the Fair Debt Collection Practices Act. See attachments.
Product: Checking or savings account

When I logged into my Citi credit card account, I was offered the opportunity to open a XXXX XXXX XXXX account. When I completed the application, the website indicated the request was denied. I called the citi number to find out why and the agent could not find a reason. I asked if the problem was that my thre credit reports were frozen and the response by Citi was yes. The agent suggested I unfreeze the credit reports and apply again. This cycle repeated a number fo times but each time the reason for the denial given by the agent changed. They said the denial was because I applied why using a VPN, and I was denied because the offer was not valid until XX/XX/XXXX and I applied before XX/XX/XXXX. 

I eventually received letters that gave the reason for denial as " Unable to verify information ''. So I called Citi again and was told that " uniable to verify information '' was not the reason I was denied but I was denied because my report from XXXX had information in it that Citi considered negative. I asked what information in the report was negative and Citi would not answer. I contacted XXXX and there was no negative information in their report. At least at first there was no begative information. But because I kept re-applying as instructed by Citi, the XXXX report mention there were too many ( 4 ) application requests for bank accounts in the last 30 days. But all of those were from Citi because they kept telling me to re-apply. 

So in writing Citi says " Unable to verify information '' but on the phone they say a negative report but will not tell me what in the report is negative. And for what it is worth, I have a credit score over XXXX and three credit cards already with Citi, all with perfect payment history.
Product: Mortgage

Quicken Loans Mortgage Lender currently has a policy where if an outside third party vendor has your loan number and your last four of your social security. They can simply over the phone request your loan payoff amount. If they choose the wrong type of loan payoff amount, Quicken Loans charges their customer you the burrower {$25.00} per request. Quicken Loans has no other verification system in place and as stated in an email from customer service " assumes '' these companies are making this request on you the customer 's behalf. Quicken Loans provides no notification and the fees just keep piling up. The other real sad part of this in the fee schedule and structure they shared with them the fee for this " Service '' for third party vendors is " Up to {$25.00} ''. Which means this is literally at their discretion.
Product: Mortgage

Hi the state submitted payment for my mortgage and it hasn't been applied to my account for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), XXXX has failed to acknowledge my request, send appropriate notification, provide the information I am entitled to, and has continuously furnished inaccurate and incomplete information to my credit report in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Product: Credit reporting or other personal consumer reports

They refuse to update my closed accounts and continue to report them late every month. The accounts were dissolved with an old bankruptcy filing from 2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is also another account XXXX that I have asked for them to verify the original creditor and provide me account information on a they have not done so, but keep updating the account as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Equifax. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX ( " XXXX  '' ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX  agency representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX  of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Equifax on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers within 30 days of notice. 

More than thirty days has elapsed, and despite follow-up efforts, Equifax has not removed the delinquency markers from XXXX XXXX credit profile. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile.
Product: Mortgage

I applied for an investment property loan and got a pre-approval from AnnieMac Home Mortgage / NMLS # XXXX and rate was locked. Once we locked the rate I was told not to shop with any other landers, so I did. I provided all the documents and was told all is well. But after a month they started harassing for more document, and they mentioned that federal lending rules changed as they can not use my rental income towards this loan. because I do not have a primary home. I verified with local lenders and they say its incorrect. I had to liquidate my personal stocks, sell my vehicle to come up with more money for down payment. After providing all the documents, statements, proof of sale of vehicle, proof of stock liquidation still they say its under review. When I try to call the loan processor ; I get nasty emails. I feel I am being told incorrect information and discriminated. This company cost me over {$6000.00} in money and lost revenue from potential rental and {$10000.00} in earnest money. No Proper communication and response.
Product: Money transfer, virtual currency, or money service

Please reference old complaint which was closed prematurely. That number was XXXX. 

Phh Mortagage continues to deliver reverse Mortgage payment 1 to 3 days late depending on the month and associated Holidays. I contactedthe Federal Reserve and they stated thatthere are XXXX windowsduring the day to transfer money thru them to associated banks for Reverse Mortgagepurposes. The first XXXX frames ensure the recipientsreceive their money on the first business day of the month per contract. The third window is too latein the day and causes recipientsto receive money 2 to 4 days late depending on the month and associated Holidays. 
If PHH would only send the moneyto the XXXX XXXXXXXX time slot earlier, I would receive the money that I pay interest on every day. 

Thanks For Any Help You Might Render XXXX XXXX XXXX