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

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


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: Debt collection

I am elderly and I haven't checked or used any credit in years most of the things that were on my file are recent which I don't recognize at all
Product: Debt collection

XXXX has been attempting to collect a debt from me. Over the course of the past 1.5 years, they have used multiple debt collectors, who have all contacted me and all failed to provide me with documentation of my debt. I have been contacted by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and Credence Resource Management , LLC. I have provided written requests to these various debt collectors asking for additional information regarding the debt that XXXX claims that I owe. Credence is the current debt collector that is contacting me ; I have requested additional information from Credence in order to dispute the debt, which Credence has failed to provide ( None of the other debt collectors or XXXX have provided this information either ). Credence has stated that I owe the debt without providing me with appropriate proof in order for me to dispute the claim. The following communications with Credence have occurred : XX/XX/XXXX : I received a letter from Credence in response to a letter I sent to XXXX requesting documentation of my debt ( I assume that my account was moved from XXXX to Credence but am uncertain since I have been contacted by multiple debt collectors regarding the same debt ). Credence provided me with a document for the billing period of XX/XX/XXXX, XXXX XXXX, XXXX. This billing period is six months after I had closed my account with XXXX The document provided does not include any detail on what is being claimed that I owe. For example, the document says there is a previous balance of {$450.00}, which I can not confirm for what. 

XX/XX/XXXX : I sent a letter to Credence requesting that they send me my complete XXXX  billing history from XX/XX/XXXX through XX/XX/XXXX so that I could confirm what XXXX is stating that I owe. These documents are my monthly billing statements that XXXX removed my access to when I closed my account. 

XX/XX/XXXX : Credence sent me a letter without the requested billing history. The letter stated that they received my dispute and verified that the charges are valid. They also sent me a second letter dated that same day for where I could send a payment. 

XX/XX/XXXX : I sent a letter to Credence requesting the same information I had asked for in my XX/XX/XXXX letter. 

XX/XX/XXXX : I received a letter from Credence with the same documentation that they sent in the letter dated XX/XX/XXXX. Again, this documentation does not provide an itemization of the debt that is being claimed that I owe. It states that I have a previous balance of {$450.00}, but I can not verify what that amount is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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: Credit reporting, credit repair services, or other personal consumer reports

At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am ready to sue Equifax. I have been back and forth with them since XX/XX/2021 about multiple things on my report that should not be there. One of the main being a bankruptcy reporting. I have sent tons of letters and proof from the court they do not give the bureaus this information and they keep " verifying '' it. Now I'm just completely floored at the lying they do and got a consultation at a workshop I went to from a lawyer who seems to think I have a case for damages. I have every single response from them claiming they " verified '' something and they didn't. I even asked multiple times for them to tell me how they verified something and they sent the same response. This is my last attempt this bankruptcy and these other negative things are reporting UNLAWFULLY and I've had it. This has kept me from buying a house and Equifax just thinks they can ruin people 's reputation. If it is not resolved NOW I will be retaining that attorney.
Product: Mortgage

I decided to buy a home in XXXX XXXX. By XXXX XXXX, XXXX, I was signing my XXXX mortgage paperwork. I had requested to SC XXXX XXXX ( who sold me the house ) that my payment not be over {$600.00} but it was {$800.00} w/a promise that I could reduce that after a year. A year later I find out I have a balloon payment. I filed bankruptcy. I paid that off in 9 months. My mortgage kept going up. I applied for and was put on a HAMP. My insurance went up after XXXX claim. I got a new insurance carrier. My mortgage payments continued to go up. I tried desperately to work with OCWEN who has my loan but to no avail. They have charges on my account they wo n't explain. I have asked why my mortgage keeps going up. They said rates go up and escrow is short. My insurance premium was less than {$1000.00} & is now {$2600.00} a year. Coverage is {$240000.00}. My house is worth less than {$69000.00}. My payoff on my mortgage is {$65000.00}. I have requested, since XXXX XXXX, to speak to my " relationship manager '' but keep being told they are busy and not able to assist me. I submitted paperwork, XXXX XXXX, XXXX, for a Short-Sale because I do n't know what else to do. But now they are saying the process will take several days which means I will go right into foreclosure. The realtor I have for the short-sale talked to them right after I did and was told I CALLED AND REQUESTED TO CHANGE MY APPOINTMENT! I then told her how they have told me several times they have no record of me calling! I went online and found out they have several lawsuits filed against them for the very things I am complaining about. I contacted my states attorney general 's office and they told me to file a complaint. My home loan started with XXXX, then Homeward, then AHMSI, and now with Ocwen. Ideally I want to keep my home. I have lived here almost 9 years. But realistically I can not afford to stay here as long as my payments keep going up. In the meantime a short 3 weeks after I moved in the bathroom tiles started falling off ; noticed the air did not work upstairs nor in the XXXX bedrooms ; nails coming up through the carpeting ; was supposed to repair siding and XXXX windows and remove metal spikes but did not! They sent to property managers ( XXXX came XXXX ) who promised to fix things but they did not follow through. To top it all off : The agency I work for has not given me a cost of living raise in 5 years. So while all my necessities go up my pay does not to the point my pay has dwindled due to health insurance and taxes going up! Is there a complaint again SC XXXX XXXX? Is there a complaint against the insurance company XXXX/XXXX? 
I need help please and thank you. I appreciate your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XXXX inquired about XXXX programs through BAC. It was a constant go around of submitting documents and forms. Many letters with false hopes and disappointment. BAC refinanced loan XXXX changing account number disqualifying my loan for any XXXX programs. I have called XXXX XXXX, HOPE, HUD. without any help. BAC is only interested in foreclosure or short sale. I have been paying on loan since XXXX. I do not want to default on loan. I contracted cfpb XXXX with this compliant. BAC XXXX a correspondence from CFPB. BAC responded with did not rcv paperwork in the past, submit XXXX, eligible for HAMP. I have been down this road too many times XXXX XXXX. BAC has given me the run around without helping me. For years BAC would have me resubmit same documents/paperwork. They offered me a standard refinance. This only cost me more money with the closing cost, and them messing up with my escrow causing penalty fees that has compounded my payments.Also, disqualified me from any federal programs having new account number. BAC was always mentioning foreclosure. This is a scary thought and adding undo stress. I have a thick folder of the BAC request and form letters. It runs in circles going no where.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested proof of accounts in question from company and proof was never provided : ( Charge-off 's reporting a balance ) - XXXX ) XXXX XXXXXXXX # XXXX Balance {$1100.00} XXXX ) XXXX XXXX  # XXXX Balance {$180.00} XXXX ) XXXX XXXX XXXX # XXXX Balance {$340.00} ( Collection accounts I have no contractual agreement with and was denied proof ) : XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX
Product: Credit card

I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of {$4300.00} to a different credit card. This brought the balance to zero and I was finished with this card. 
Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not receive any notification or phone call from US Bank stating that I had additional debts to pay off. I paid my monthly charges online through my bank 's bill pay system and did not receive paper statements in the mail. Had I known about these additional fees that caused the residual interest, I would have immediately paid them off, as my goal was to get out of debt to increase my score for a home refinance. 

Once I learned of the residual interest charges, I immediately contacted US Bank. I spoke to a customer service representative who told me to fax a letter to the XXXX at US Bank to explain what happened and to have them remove the delinquency from my report. A few weeks letter, I received a generic letter in response, which had nothing to do with my situation and they let me know that they were not going to remove the delinquency from my report. I called US Bank again and spoke to both a customer service representative and a supervisor. I asked repeatedly if I could pay them the residual interest charges, but the bank refused to help with the situation. I asked them if there was anyone at all that I could talk to or anything that I could do and they would not help me. 
It is extremely frustrating that a loyal customer of over 12 years has been treated this way. I have never been delinquent in any of my credit cards and have always paid on time. After I transferred the balance of {$4300.00}, there was no indication that anything else needed to be done with this credit card or that I needed to sign back into my US Bank account, as I ceased using this credit card. This is unjust and unfair.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concern Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting my financial intuition and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible CFPB findings indicate. That Zelle has not only neglected to protect costumers but he also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about costumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was severely impacted by inaccurate and invalidated information on my XXXX report which caused me to lose housing stability and access to my XXXX Rights.
Product: Credit reporting

I have maintained a XXXX credit score with Transunion for the last 9 months. I recently checked my credit score through the credit card Co ..., XXXX and XXXX. They let me e know that my score had dropped to a XXXX. I have had no new loans, always paid my statements on time! I called transunion consumer relations to get an reason as to why my the score had dropped.? I was given no satisfactory answer.
Product: Debt collection

when separated there was a bal on comcast that was never forwarded because XXXX took over account. 

once came to my attention. was paid in full immediatly. 
but it is still showing up on collections on credit reports at experian and others. 
i was told it was to be removed and it is on there. 



also on credit report my ex husband is listed as current spouse. 
i would like that removed
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXX Balance {$4800.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXBalance {$2300.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by XXXX. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Mortgage

I have a 3rd party paying our mortgage DEO /HAF they have been paying since XX/XX/XXXX and will continue until XX/XX/XXXX. They pay {$72000.00} per month. DEO sent the payment over they said on XX/XX/XXXX. Discover Home Loans says they have not received it. DEO says it also sent the payment for XXXX. Discover says they didnt receive it. This is not the first time I have had this problem with Discover. XXXXEO gave me reference numbers on electronically made payments. Discover says no way to look them up. My payments are late which will cause late payments for 2 months and hurt my credit report. My DEO account # XXXX. XXXX. My Discover home loan # XXXX. XXXX. I have spoken with DEO they have called 2x saying payment was made. I check my account with Discover daily and no payment has been applied. Their customer service is subpar to say the least. Even when ask for supervisor they just say no payment has been made. I would appreciate any help you can give. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt validation letter was sent to Collectables Management Resources on XX/XX/XXXX. 
Collection Agency failed to validate debt. Called Agency on XX/XX/XXXX. Agency failed to validate debt owed.
Product: Mortgage

Overlooking my financial info and predatory lending practice against elders. Modifications mistakes and delays.
Product: Credit card

I attempted to call the XXXX XXXX Need to make a payment? Visit COMENITY.XXXX of call XXXX telephone number to select the make a payment. Instead of being given the make a payment option the automated system transferred me to a customer service person, XXXX Sunday, XX/XX/2023, at approximately XXXX XXXX. I asked to be transferred to the automated payment center and said someone has set my telephone number up in the XXXX telephone payment system so when I call to pay I am transferred to a live person and I want that removed from my account. XXXX then said something about there being a charge off, told me to tell her my card number and as I went to get the card out of my wallet she said assertively give me your card number. This caused me to respond saying what do you think I have my card in my hand. XXXX then said well you did not say anything so I did not know if you heard me, you do not have to be rude. I then disconnected the call because I was being harassed and being talked to rudely. I had to call back and ask to be transferred to automated payment center to make my payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Chase sold my mortgage to XXXX. Chase reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. Chase received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. Chase did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. Chase is discriminating based on another entity paying the loan. IF I had directly paid the loan off, Chase representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to Chase. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where Chase transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still Chase shows as transferred to another office, and my report continues to be impacted by the creditor Chase not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by Chase and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen some unauthorized inquiries, transunion will not delete them.