23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied on XX/XX/2020 and were told 45 days, but not advised that it could take longer. 

XX/XX/XXXX, called to inquire on the status and was advised that they were waiting for confirmation of the mortgage payoffs for the Primary & second Mortgage and that they may require a signed request from us. We immediately signed and sent back these forms that night. 

I didn't see any updates to the XXXX process so uploaded the payoff letters I obtained from XXXX XXXX on XX/XX/2020, & XXXX. XXXX on XX/XX/2020. 

Contacted again on XX/XX/XXXX for another update and was told there was a holdup due to the 2nd mortgage payoff was missing the property address. I escalated this and have been dealing with XXXX XXXX. 
I obtained an updated letter from XXXX. XXXX with an adendum to include the property address on the 2nd. Emailed XXXX so she could advise the appropriate teams who confirmed this was cleared to move the loan forward. 

Followed up on XX/XX/XXXX and was advised they were waiting on tax confirmation. 

Followed up on XX/XX/XXXX and was advised the loan was undergoing a final review, from XXXX XXXX. 

Followed up today and was now advised they needed an updated payoff letter from XXXX XXXX  since the balance had changed. The original payoff letter is good until the XXXX. Therefore this was unnecessary. 

Due to them not providing a true estimated time frame of completion and continually finding reasons to delay closing, is reasons enough to file this claim. This is causing us hardship.
Product: Mortgage

In XX/XX/XXXX XXXX of my kids tested positive for XXXX  and they were out of school for a month so i had to take time out from work to care for them. My mortgage company did not care. I still had to pay on time no exceptions. I now have tested positive for XXXX  XX/XX/XXXX and i even lost my job because of the sickness and lingering issues and symptoms. Not only am I required to still pay my mortgage but my mortgage has also gone up due to escrow! Its extremely difficult and i have no idea what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against Equifax, XXXX, and XXXX. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while XXXX shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX, XXXX, Inquired on XX/XX/XXXX. 
XXXX, Inquired on XX/XX/XXXX. 
XXXX XXXX, Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They are violating the fair credit reporting act and the consumer laws. I did not give them written consent to report on my behalf. They are keeping fraudulent information on my reports. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I found a store on XXXX  to buy a new XXXX. The store turned out to be fake! I clicked on the paypal link and entered all my information, but on paypal it says my payment of {$66.00} went to " XXXX XXXX '' at a XXXX address with transaction ID XXXX. 

The website was XXXX XXXX XXXX
Product: Debt collection

Im currently past due with my Avant Credit Card due to 2 consecutive deaths in my family that I experienced in XXXX. Ive still have yet to recover from my financial short comings, however Ive reached out to Avant and advised them such and attempted to work with them in order to not further impact my credit. Unfortunately we werent able to agree on the same terms and I advised that I will work to bring the account to a good standing. 
Since that conversation Ive been contacted consecutively by Avant and its now appearing as harassment. 
On XX/XX/2022 alone, Ive received a total of 7 phone calls from Avant. For the week of XX/XX/2022, Ive received a total of 20 phone calls. Avant has also went as far as to text my phone regarding the debt after XXXX EST. 
Avant is in violation of Fair Debt and Collections Protection Act by the consecutive phone calls being placed on my account in attempt to collect the debt.
Product: Credit reporting or other personal consumer reports

kia financial is in violation of my consumer right they report XXXX date payments to my credit report, according with the law before they report a late payment to the credit bureus they need to send me a letter 21 days prior that letter was never sent to me. therefore Kia is in violation of the law. account must the place in good payment status and removed any late payment from account and credit report.
Product: Money transfer, virtual currency, or money service

Trying to get a refund ( s ) from Cashapp. Email going days without responses. Cant talk to a real person because theres no customer service number.
Product: Vehicle loan or lease

Car leased by my father and mothers trust thru Toyota Financial Services was due to expire on XX/XX/22. The trust desired to purchase the vehicle so a cashiers check and forms were supplied by XX/XX/22 via XXXX. Told would receive title in 7-10 business days. Questions were asked via the online platform why payments and late fees continue to show up on the online dashboard. Told it is automated process if the payment was 10 days late. It is not owed so don't worry about it. On XX/XX/22 was notified that required docs were not received. They were in the same XXXX envelope as the cashiers check. I resent the documents via the Toyota Financial Services support system online and requested completion of the transaction. Spoke with a rep ( XXXX XXXX and he said he would take docs to processing personally. He said could take 2-4 weeks to get a title. On XX/XX/22 I called another rep XXXX? ( its never the same one ) about continued late notices being received. She informed me the payoff was received on XX/XX/22 and processing should be complete at the beginning of the following week ( XXXX XXXX week ). I called the following week XX/XX/22 plus or minus a day and was told there were issues because my signature did not match the original purchaser. I told them that is true, he died and I am a trustee of the trust that leased the vehicle. I sent several more forms regarding trusts etc. XXXX XXXX in Arizona office was very helpful and followed up with me several times and got it to the point of payment being accepted and everything was in order. She requested her boss to authorize O/N delivery of the title and I thought we were done ( as did she ). On XX/XX/22 I called because no title had appeared and talked to a new Rep and he told me the title was sent out via regular mail on XX/XX/22. It was sent to the po box mailing address on the original lease. I called again on XX/XX/22 because no title has appeared in the mail and was told by another rep XXXX XXXX ) that processing was finished on XX/XX/22 and the title was sent out on that day. She stated a request was in the record to send O/N but was unsure if that was followed or not. I then asked to speak to a supervisor to see if that information was attainable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. 

XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. 

That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. 
The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. 

So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. 
this is a XXXX company as well and the 2 year rule is outdated. 

I am requesting that this negative & falsified and manipulative information be remove.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw incorrect accounts on my credit report and I can't understand how this happened. I checked my credit report like I always do, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts stayed on my report. Because of this, Im asking that the documents Ive provided be carefully reviewed so I can stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. Seventh Avenue has been sending invoices for months on an account that I never created. Now they have reported my account as delinquent to the credit reporting agencies. This company Seventh Avenue is running a phishing scam. Now my credit is severely compromised. Ive had a score of well above 800 for more than a decade. Now its dropped by XXXX XXXX due to this incident.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a Identity Theft report from FTC to Experian Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have Experian to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent accounts found on my consumer reports. 

You have been re-aging my accounts which is a violation of the fcra please delete this account as its hurting my ability to obtain credit in good faith You are also reporting 1 month terms collection accounts dont have payment terms delete accounts immediately for inaccurate reporting if this keeps being reported you are in vioalation of the fcra You never notified me before parking this on my consumer reports you are in violation of the fcra and fdcpa delete immediately Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I requested investigation through the original creditor, XXXX XXXX regarding account number XXXX because they stated that I owed the amounts of {$18000.00}, {$17000.00} and most recently a settlement amount of {$14000.00}. They have inaccurately reported these amounts, which is a violation of FDCPA. I have been working with XXXX diligently since XXXX of XXXX these amounts corrected and removed from my credit report. I requested record of payments, purchase contract to compare payments. At this time, I was working with XXXX ( a representative ) who stated that I would have to send in a letter for reversal. Who was not able to assist me. According to 15 USC 1681 ( 5 ) creditors are supposed to modify accounts that arent reporting correctly. I have made 1 recent attempt to have this account removed dated XX/XX/XXXX along with other accounts that violate FDCP consumer laws.

15 U.S.C 1681 section 602 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2. ( a ) ( 1 ) : states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they are not in compliance with XXXX XXXX reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX two times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, XXXX, and Equifax as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.
Product: Debt collection

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} / XX/XX/2022
Product: Debt collection

I received a call from location services saying that I was going to be arrested if I did not pay a debt of {$450.00} and they directed me to call a phone # and gave me a " case number ''. I call them and they also threatened to have my arrested, that I would lose my job, etc. In duress, I paid {$200.00} and then gave them my debit card # to set up payments.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft, and I complain to question specific records in my document that came about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, remove any noteworthy information from my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Iam complaining to Paypal Inc. Under my acct XXXX that has been permanently limited yesterday without any notice and accused me selling XXXX materials which i never made. Im using PayPal as onr of my international mode of payments in which i sell online services. I am an graphic artist.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes to delete an remove all inaccurate information that is hindering my credit report. all the accounts listed on my file are reported as identity theft. this does not follow the FCRA for accurate information listed. this has caused major delays on my file an needs to be corrected asap. please delete an remove all information listed on my credit report to help clear my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Experian, XXXX, and XXXX have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions. 
15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX ) in another complaint. The XXXX mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting