23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SEQUOIA FINANCIAL SERVICES located in XXXX XXXX, CA XXXX is claiming and reporting that I owe the following {$620.00}, {$1300.00}, {$530.00}, {$300.00}, {$190.00}, {$140.00}, {$100.00}, {$99.00}, {$89.00}, {$88.00} I have disputed all of their claims directly to the credit bureau and they kept reporting it back to my credit information. 
I have filed an ACCOUNT BREACHED last XX/XX/2019 and my account was compromised. I have protected my credit report and this company kept harrassing my file and continue to report the same amount even I have completely denied existence of this account they fraudulently claim. 

I have no knowledge of this debt they are claiming, I would like them to stop reporting all these claims to my credit report
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I have no knowledge of this account that is on my credit profile and would like this to be removed immediately! 

XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reported on my XXXX as reflected in my credit report. Based on my records, this late payment was caused by a system issue on XXXXXXXX XXXX end, which you acknowledged in an email sent to me on XX/XX/year>. This email confirms that a technical issue with a third-party service provider delayed the processing of electronic payments and transfers, which directly impacted customers ability to complete their payments on time. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the FCRA, XXXX XXXX was required to provide me with a written notice within 30 days of reporting the late payment to the credit bureaus. This notification must include : The name of the consumer reporting agency to which the negative information was reported, A statement of my rights to dispute the accuracy of the reported information, and Contact information for resolving disputes. 
I never received this legally required notice from XXXX XXXX, which means you failed to follow federal protocol when furnishing this negative information to the credit bureaus. This violation further supports my demand for the immediate removal of the inaccurate late payment entry from my credit file.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased online from XXXX on her XXXX page a full body silicone doll for {$2500.00}. XXXX XXXX is a world known XXXX XXXX and when she asked me to use PayPal credit family and friends through Synchrony Bank I saw no reason to question this, but unfortunately I found out this person is a imposter and their is no doll. 
I filed a complaint with Synchrony Bank and my case was denied sighting the reason is that I entered into this binding agreement. On XX/XX/2020 I appealed this decision and provided proof and was again denied for the same reason. I thought I was buying from XXXX XXXX why would I buy something from an imposter. This person has pretended to be PayPal in a email to me to intimidate me and has contacted me pretending to be other people. I have not received any doll.
Product: Mortgage

US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.
Product: Mortgage

I am a human being, I am a Woman, I am an XXXX American, I am a XXXX Veteran. I applied for a VA Home Loan and was approved with navy federal credit union in XX/XX/XXXX. XXXX XXXX is the loan processor. She failed to keep me inform of my home loan status or return phone calls and emails. When we talked over the phone on XX/XX/XXXX at XXXX She told me that I talk like I am an animal. She stated that she is XXXX  XXXX  so she can not be XXXX. She dehumanized me to justify her mistreatment and devaluing of me. She did not give me info on my loan and told me her boss XXXX XXXX the guy that hung up in my face in XX/XX/XXXX knew about me. I got sick to stomach and my family was upset about how XXXX talked down to me and her XXXX speech and attitude towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello All, This complaint concerns the three Credit Bureaus as XXXX, Equifax, and XXXX. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, XXXX XXXX
Product: Debt collection

Company say a live check was sent out in my name and was deposited into a account not linked to me without and signature on this live check they created without my permission.. Ive requested information under the ( FDCPA ) twice, once on XX/XX/21 and XX/XX/21 which I requested certain documents and didnt receive all of those documents I have requested from the company Regional Management. I will send copies of both letters show the request that was giving
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account with American Honda Financial Services. The complaint I am filing is specifically related to their reporting on my XXXX Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXX XXXX XXXXXXXX. 

I have provided both XXXX and American Honda Financial services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX XXXXXXXX when American Honda contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, American Honda Financial had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem.

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.
Product: Mortgage

Complaint re : NewRez Loan I am writing to complain about the re-financing of an existing loan with NewRez LLC. This was a long-drawn out procedure that began in XX/XX/XXXX and was closed at the end of XX/XX/XXXX but there are still unresolved errors. Most of my complaints are about inefficient procedures by NewRez that are better suited to a business complaint site but I have 3 specific issues that are squarely within CFPB purview. These are 1. My loan closed on XX/XX/XXXX ( and took effect on XX/XX/XXXX after the 3-business day waiting period ). I paid 5 months escrow property tax because a tax payment was due XX/XX/XXXX. As of XX/XX/XXXX, NewRez has not paid the property tax that was due, instead holding my money that I had already paid them in escrow. 

2. I sent a written notice of error to NewRez on XX/XX/XXXX. No acknowledgment of receipt of this notice of error has bene forthcoming as of XX/XX/XXXX ( 9 business days later ). I called on XX/XX/XXXX and alerted them to the error and sent a copy of the property tax bill to the helpfful lady who answered my call. The best she could do was to promise me to " Open a research inquiry and respond within 15 business days '', no fault of hers but a bit ridiculous since they actually had a copy of the tax bill showing that the amount was due on XXXX and they had not paid it. 

3. The underwriting process is broken - they never provide a comprehensive checklist of documents that the client has to provide. Instead they ask for docs, a few weeks later ask to clarify certain things like a transfer to a bank account, then wait more weeks and ask for updated docs XXXX pay stubs and bank statements in particular ), rinse and repeat. I must have submitted paystubs and bank statements 7-8 times over 6 months. The final irony was when they wrote back to say my loan amount was inaccurate because I was getting too much cash back solely because they had dragged the process out for so long that I had paid my loan principal down so much. The most important consequences of this delay were i ) the need to re-run my credit ( a second hard inquiry that dinged my credit score ) ; ii ) the need to re-cert my appraisal ( although they did credit me for that fee ) and iii ) the fact that my new mortgage payment was {$600.00} less than the old one, so I paid {$3600.00} extra over the dragged out refinance of which I assume at least half was due to unnecessary foot-dragging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had multiple issues with Truist Bank including their illegal debt practices after a bankruptcy stay. Note I was under a bankruptcy stay in XX/XX/2019, had kept up with my payments and reaffirmed my mortgage debt. After the merger with Suntrust, Truist aggressively and illegaly had tried to force me pay debts without statements, lie about receiving statement and send threatening letter stating they would report payments to the credit bureau on closed accounts.
Product: Checking or savings account

Checking Account was closed around the end of XXXX XXXX I had a balance that was left of when the account was closed called several times and they told me they would send me both amounts in XXXX checks because they did XXXX XXXX for XXXX dollars and some cents and a larger one for the remaining balance witch was over XXXX dollars and that it would take 14 days called again they asked me for information to resolve this issue I gave them that information they verified it and it was a verified number told me that if they didnt resolve this they would send me the money they still to this day have not given me all my money that was left of from the closed checking account
Product: Debt collection

This account is not mine. I never agreed or sign to any agreement. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

I am requesting information for the student housing on XXXX XXXX in XXXX Florida to prove that I am the responsible party to the account. The company stated that they did not have my information on file and that I should contact collector. I contacted collector and explained to them that the acct was not infact my responsibility and that I found out about acct thru checking credit report and asked for proof and verification that they had and the representative was only able to state that'd he'd send a letter with debt information and amount owed. I asked for receipts or anything with my name affiliating me to this acct and he was not able to provide anything. I was told to reach out to CFPB which is now what I'm doing. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my credit score tremendously. I finally called XXXX XXXX  they acknowledged mistake and sent letters out to all XXXX Bureaus XX/XX/2024 to have removed. Equifax and XXXX took it off but dropped my credit score almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my credit score was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX XXXX  and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : 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 or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting

I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to your attention a distressing incident involving the unauthorized opening of a credit card account in my name. The purpose of this complaint is to seek your immediate intervention and assistance in resolving this matter, which has adversely affected my credit score. 

On XXXX, XXXX, XXXX, I discovered that a credit card account was established in my name with Fortiva Credit Card, without any form of authorization from me. I immediately reached out to the credit card company and was given the runaround. The Fortiva rep acknowledged they had not received my consent but refused to delete the credit card and remove the unauthorized credit card from my credit report. 

I must emphasize that I had no prior knowledge of, nor did I provide any consent for, the creation of this credit card account. Initially, I had a loan ( line of {$4000.00} ) with Fortiva, NOT a credit card. After making faithful payments on time, Fortiva decided to illegally issue me a credit card without my consent. 

This unauthorized action has negatively impacted my credit score, as the card is recorded as a new account with no credit history ( despite making payments for 1.5 years ) and a new low credit limit of {$2000.00}, thereby negatively impacting my credit utilization on the account. 

I believe that the unauthorized opening of a credit card account in my name constitutes a serious violation of consumer rights and the Fair Credit Reporting Act ( FCRA ). As a responsible and law-abiding consumer, I have diligently managed my credit and maintained a positive credit history. The unauthorized account created in my name has blemished my financial reputation through no fault of my own, and this issue must be rectified promptly. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act diligently to protect consumers like me from such unscrupulous practices. I request that you keep me informed about the progress of the investigation and resolution of this matter. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assurances that appropriate measures will be taken to prevent similar incidents in the future. 

Additionally, I've filed a fraud complaint with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national XXXX pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Product: Mortgage

I have closed my mortgage with Amerihome Mortgage on XX/XX/2020. 

They charged another monthly payment on that month which left my total escrow balance of XXXX. 

They claimed they have sent the check but I have NOT received it. After a battle of phone calls, I requested them to stop that check and issue a new one 50 days ago. 

After over 20 messages inquiry, and multiple phone calls I learned today they still haven't issued a new check to me. And the customer service representative was rude and blaming USPS. If it hasn't been even issued why to blame USPS and the pandemic? 

If I make my payment after 3 months and blame the pandemic and USPS would it ' be acceptable? 

This company has been the worst. 

I'm losing faith, and I need this money. I have so much debt to take care of. I need the CFPB 's involvement in this matter. 

Reps are extremely rude. They transfer my calls to other people and ask me to spell every letter for the current address, property address, mailing address, and keep wasting my time for hours and simply hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim according to XXXX. Experian mishandled my information which put me and millions of other people at risk. The requirement of a police report is absurd if they know I have been affected. In addition, they did not notify victims quickly, nor did they notify everyone.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address a matter concerning my closed account with Capital One, Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. 

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am requesting that Capital One take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of XXXX XXXX XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/year>, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that Capital One will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of XXXX XXXX XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit card

Gradually increased minimum payment above my externally preset ( personal checking ) auto-pay amount. Made no attempt to inform me that I was past due other than emailing me to tell me my statement was ready to view. No collection attempts were made, no phone calls, no emails, no letters via post office.
Product: Payday loan, title loan, personal loan, or advance loan

Goodleap has issued a loan under my name that i never applied for. Goodleap has placed a Lien on my property for a loan I never applied or received funds for. 

Loan amount {$45000.00} Notice Date XX/XX/XXXX  GoodLeap www.goodleap.com ( XXXX ) XXXX Goodleap XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX on XX/XX/2020. I authorized for one credit pull. Without my consent, 2 financial institutions had pulled my credit, resulting in 3 hard inquiries on my credit report. I did NOT authorize the financial institutions to pull my credit.