23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The main company XXXX ( XXXX XXXX ) gave my information to credit management to collect money from me on an account that I never had with them. They gave my personal information to credit management without my consent for a balance that I never owed. I have a collection on my credit labeled as due to natural disaster and I called both the collection agency and the original creditor and they both can not find an account under my name and SSN.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.
Product: Credit reporting or other personal consumer reports

BY THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX AND XXXX  XXXX XXXX  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 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 INFORMATION ITEMS. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 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 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 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX XXXX XXXX for {$10000.00} collection account which is NOT mine. This is false information. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report. 

1. XXXX XXXX XXXX XXXX {$100.00} 2. The XXXX management {$730.00} 3. XXXX XXXX XXXX {$510.00} 4. XXXX XXXX XXXX Co {$460.00}
Product: Mortgage

Fell behind in mortgage payments due to extended period of unemployment, and theft of personal assets. /worked with ERA Mortgage and was approved for a loan modification. We declined it because it was too expensive. We reapplied, met all deadlines with time to spare, I checked with them two times by phone, spoke with at least XXXX different case managers who advised all information was received and they would process the paper work accordingly. Then a two or more week black-out period happened during which time we ( my wife ) repeatedly called them. Finally, after the deadline, they called me last Friday about supper time saying this was a courtesy phone call to advise us we had failed to provide the required information and therefore our request could n't be considered and the house would go for sale at the sheriffs sale Thursday XXXX/XXXX/16. Whether the mortgage company is full of bunk, doing this on purpose or if they 're sincerely in error ; they are in the wrong and this is n't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Please provide proof these accounts belong to me. They have failed to provide any proof these accounts belong to me based on the guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX  continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to supply court documentation to XXXX ( XXXX XXXX # XXXX ) and TRANSUNION ( XXXX XXXX # # XXXX ) regarding a recent lawsuit with XXXX XXXX. An ORDER OF DISMISSAL WAS GRANTED by the court. The lawsuit was DISMISSED WITH PREJUDICE ; meaning, I DO NOT OWE the debt. Proper court documents are being provided AGAIN ( see attached ). I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Product: Checking or savings account

My mother recently passed and my brother, sister and myself were sent a check for our inheritance. It was a truist check so I decided to open an account and deposit it there. Everything went fine, the very next day I was checking the status of the deposit and it was stating that my case was closed due fraud. I contacted the bank and they gave me no information other then unusual activity and other reasons but no vividly clear answer. The next day I went into the bureau and the bank manager tried to find out what was going on and she wasn't given a clear answer. Now 14 days later I'm still waiting for my check they are supposed to send back to me after their investigation that proved to be false still denying me an account which I wouldn't bank there now if you paid me. I called yesterday to find out where the check was they said it wasn't even sent out yet that it would be sent out the next day which is today my wife called back yesterday to see if we could just pick it up from the branch they proceeded to tell her thst it was sent out and we would receive it tomorrow which is today and if it wasn't in the mail to contact them immediately. Well needless to say it wasn't in the mail. When we called they said it is being sent today. When I said so you lied and said it was already sent out when we asked to pick it up from the branch so we couldn't pick it up from the branch and they responded with thst is correct. In the mean time my wife my child and myself are hungry our power is shut off and my dog needs to go to the vet badly. The money that they have and are denying me that belongs to me is desperately needed and they have no cares as to the severity of this. They are fraud they lie and as many people thst have complained against them there should be a lawsuit in play with these people! It's not right. They are playing with people 's lives if you ask me! Do something about it! They need to be put out of business!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, XXXX  XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Debt or credit management

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. What the company did was change the name, which is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed. 


CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

Collection company name is Paramount recovery Sys Original creditor is XXXX  XXXX XXXX XXXX XXXX XXXX  Date opened was XX/XX/year> total amount of {$1200.00} Ive reached out to them to provide proof that this account belongs to me. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

They have not produced any documentation with my signature. This is also a violation of the HIPPA!
Product: Debt collection

Sent XXXX letter XXXX received response XXXX. Collection company was unable to locate account and not able to verify. Which under the XXXX act if they are unable to varify the debt must be deleted. XXXX letter included all info they needed to locate debt.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report. I was shocked to learn that I have been a victim of identity theft accounts on my credit report that was not open by me. This has been hurting my credit in the process of buying a house please remove these accounts.
Product: Checking or savings account

On XX/XX/year> this all seem to start. I had noticed the movement of money through our personal savings and credit card to our checking account. Then the funds were withdrawn from XXXX  checking account. All of these transactions were done through online banking including a credit card cash advance online. The total amount that was withdrawn or moved around was XXXX.
Product: Mortgage

My husband and I have a loan mortgage with Loancare LLC, loan No. XXXX. We do not have an escrow account ; we pay our own property taxes and insurance. 
There was a lapse on our insurance of about 1 1/2 months, and Loancare though one of the insurance companies that they deal with, provided coverage for those months. 

I, XXXX XXXX XXXX, faxed copy of the insurance, and when I called to ask about the insurance charges on my statement, and I was informed that Loancare never received proof of insurance. I did submit the insurance information one more time. 

Last month, on XX/XX/XXXX, I called Loancare and asked to speak to a supervisor. XXXX XXXX with employee No. XXXX spoke to me, and he told me that because of Covid19, the information on the insurance was not processed, and promised that by XXXX, the adjustments to the account will be made. I refused to pay the additional {$400.00} charged for the insurance for the month of XXXX. Next day, my husband, XXXX XXXX XXXX made the regular payment over the phone, without any additional insurance payment. 

The statement for the month of XXXX was not never adjusted, and we did get a payment request of {$1.00}, XXXX. I called to ask information about my insurance, and the recorded information that I received from the Loancare Insurace Department, was the information of the insurance that I paid for XXXX year, with an expiration of XX/XX/XXXX. 

When I was transferred to the Customer Service Department and I tried to make a payment, the lady who answered the phone refused to accept the payment, unless I pay the whole amount. When I told her that I was going to file a complaint, she accepted the payment, but, she informed me that the payment was not going to applied to my account.
Product: Mortgage

Our house was hit by a flood back in XXXX 2017, and we are located in the 100-year flood plain. The City of XXXX Code Enforcement ruled that our property was over 57 % damaged and could no longer be rebuilt. Because the City of XXXX ruled that no construction could take place at the property, we are unable to obtain any permits to legally build at the property or renovate. Our flood insurance kicked-in and wrote a check for {$100000.00} to Chase Bank for the damages. The principal amount that we still owe on the house is {$120000.00}. Chase received this check on Thursday, XXXX XXXX. We then requested that Chase apply this check towards the principal amount on the property, and that we would continue making payments until the balance was paid off. By applying this amount towards the principal, it would lower our payments and allow us to purchase another home we could live in, or possibly rent. On Thursday, XXXX XXXX, we were told that the payment towards principal had been approved. Today, on XXXX XXXX, we called into Chase to obtain the status of the payment, and we were met with very rude representatives who refused to help. They refused to apply the payment towards the mortgage and refused to provide us with any any explanation or direction on how we could use the money. My Mom, who had been dealing with the situation before I got home from work, was crying on the phone while the employees laughed. ( I heard this because she was on speakerphone at the time ) Collectively, we were transferred around to more than 11 employees over the more than 9 hours we spent on the phone with them this afternoon. As of today, XXXX XXXX, Chase is effectively withholding over {$100000.00} that could be applied to our principal to help us pay off the mortgage in a non-interest bearing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested one loan from Suntrust DBA LightStream and had my credit checked twice for the same loan. Once on XX/XX/20 and once on XX/XX/20. I requested this error be rectified by the company and they failed to do so. I contacted XXXX XXXX and they requested I submit documentation along with my dispute, which I was to obtain from the FTC. I called the number they provided for the FTC and am being sent in circles.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry from XXXX XXXX XXXX, XX/XX/XXXX & XX/XX/XXXX I was a victim of identity theft someone got a student loan in my name. Its showing on my Equifax. Ive contacted all the credit bureau plus XXXX XXXX. They have not given me any proof or removed it .Can someone handle this matter in a timely manner, Im actually trying to purchase a mortgage. Im also filing a complaint on XXXX XXXX, XX/XX/XXXX a late payment was placed on my account due to their system error, my balance was paid in full, but the credit companies need to update their systems. I am a victim of identity theft XXXX and XXXX during XXXX  Also, my cards were hacked. I had to pay money back
Product: Credit card or prepaid card

USAA allowed someone to open a credit card in my name. I am not a member of USAA and never have been. After notifying them 3 times and asked that they close the account and remove it from my credit report they have failed miserably. The persons who committed this fraud have tried over and over again to get a replacement card by changing the address which keeps hitting on my credit reports. Luckily I noticed this right away before any charges occurred but there will be negative info on my credit report if the don't cancel the card and remove my name and info out of their system. Thanks XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I received a letter from Citibank regarding the closure of my Costco Visa account ending in XXXX. There was no specific reason or advance notification. 

On XX/XX/2020 I received an email from Citibank regarding my annual reward certificate that will be forthcoming via email in XX/XX/2020, in the amount of {$2900.00} which is based on the previous 12-months of qualified spending. 

On XX/XX/2020 I faxed a letter to Citibank Card Services Support Unit as specified in the letter ( XXXX ) stating my concern over how disappointed I was in how it appeared that Citibank closed my account to avoid paying my annual reward certificate in the amount of {$2900.00}.
Product: Mortgage

MORTGAGE FRAUD RESULTING IN OVER 60 FORECLOSURE SALE DATES CREDIT REPORTING FRAUD SELECT PORTFOLIO SERVICING ACCOUNT NUMBER : XXXX In 2019 I have place several complaints against Select Portfolio Servicing regarding an XXXX  Report against me, FRAUD, staring SPS had closed the account out in the Credit reporting Agency, stating that I had accepted a DEED IN LIEU OF, states Bank Liquidation, proof has been submitted to them over 6 times now and they WILL answer my complaints and Stop all Foreclosure processes or they will see their name all over the newspaper and will be in court there are other Servicing issues involved and they need to go back to XXXX XXXX XXXX and get a detailed statement of how my bankruptcy payments were applied to my account with XXXX XXXX XXXX.
Product: Checking or savings account

Over the past year I have used direct deposits from PNC Bank to pay for my rent on XXXX. However, as I entered a new year of my lease, XXXX says that PNC 's policy changed and no longer will link to the avail account, keeping me from directly paying my landlord through the rent payment platform. This issue was uncovered XX/XX/20.