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

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX  XXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.
Product: Mortgage

Their website has been down for a week or so and I need to change the extra principal amount to be paid on my autopay loan tomorrow XX/XX/XXXX as I could not work this month being sick. When I call, the machine states they are already closed, or I get put on hold for over 45 min
Product: Vehicle loan or lease

I ordered a XXXX XXXX XXXX XXXX from XXXX XXXX in Delaware in XX/XX/XXXX. The vehicle arrived and Ford has a program for vehicles ordered before XX/XX/XXXX of 3.9 % for 60 months. I have perfect credit and was pre-approved with Ford Motor Credit and they refuse to provide me with the 3.9 % APR. They are charging me 5.9 %. The Dealership is saying that Ford Motor Credit refuses to honor this advertised program. Here is the program and disclosure : XXXX : XXXX XXXX XXXX XXXX XXXX Sales Event : Final Days Offer Details The XXXX XXXX XXXX or XXXX will raise your heart rate and stir your soul. Drawing on deep performance roots, it features precise handling, high-powered engines and iconic design. Check out the great incentives and deals, and dont miss this opportunity to secure your XXXX XXXX XXXX model now. 

DISCLOSURES *Place a new vehicle retail order for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a local authorized XXXX Dealer on or before XX/XX/XXXX and lock in 3.9 % APR financing for 60 months at {$18.00} per month per {$1000.00} financed regardless of down payment ( XXXX # XXXX ). 

**Not all buyers will qualify for Ford Credit financing. Not available on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Residency restrictions apply. See dealer for qualifications and complete program details. Some exclusions may apply. Due to high demand and global supply chain constraints, some models, trims, and features may not be available or may be subject to change. Check with your local dealer for current information.
Product: Debt collection

I have submitted an email and made numerous phone calls to Rent Recovery for written verification of debt. However, to date I have not received any information regarding the debt, only a telephone call 2 years ago when I requested written verification of debt and still did not receive anything.
Product: Mortgage

Five months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected thousands with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. Two years in with covid 19 running wild i could it and ended up in the hospital. I didn't know if i was going to make it so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help honor what i thought was my dying wish, I somehow survived. Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? XXXX is tied to Carrington and need to force them to honor this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The previous company XXXX XXXX XXXX XXXX XXXX not prove they have legal representation of the account in question- # XXXX and # XXXX. I called on XX/XX/2022 and asked for the company XXXX XXXX to provide # XXXX Original Contract with my signature # 2- Creditor information- Original name, address, phone number # 3- payment history and itemized billing associated with this account.

# 4- Proof of ownership they have the prove the authorized to collect the dept and the Change of Title to current owner. 

The company in question was unable to provide proof of ownership and that they are legal to operate in the state of Florida. In the letter the company sent to me does state that the account was prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX " It is not a credit card or other account statement from the original creditor ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried speaking to customer service at Wells Fargo on XX/XX/2018, the day after I was notified that my credit had been pulled. I was transferred several times to different departments, each department saying they wouldn't be able to help me with this situation. I was trying to reach the fraud department. They denied that they had a fraud department. Whoever I ended up speak to at Wells Fargo ended up hanging up on me. I wasn't sure what to do or how to resolve this issue. So now I'm filing a complaint on through consumer finance in hopes that this fraudulent inquiry will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. Experian info sols., inkXXXX, XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX  third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

XXXX XXXX  -account # XXXX
Product: Money transfer, virtual currency, or money service

So someone reached out to me on XXXX. She gave proof of peoples accounts and how she was willing to give money back if there was a down payment. 

After a week she kept responding and messaging and proving that it wasnt a scam. On Friday, the XXXX I did a XXXX transaction of {$2000.00}. And then Saturday morning, the XXXX, I did another XXXX transaction of {$1500.00}. The girl then said a check would be deposited of {$36000.00} into my account. By Saturday night, it never came thru. 

Her name was XXXX XXXX  on XXXX. She was some car insurance provider and talked about how she has extra car insurance vouchers and was giving it out monthly. 

Please help me with this situation, she literally took all of my savings and my money I was supposed to send to my mom bi-weekly.
Product: Student loan

On Thursday, XX/XX/XXXX I called my private student loan lender asking about lowering my monthly payments due to financial hardships. The woman who took my call was very hard to hear. I could tell she was working from home because I could hear children in the background. This made having a conversation very difficult. When I asked her about lowering my monthly payments she stated that that isn't an option with Mohela and that I would have to submit a hardship form. I asked where I could find the form on the website and she said it's not available online. She said she would email it to me. She was saying other information about submitting the form and what I had to include with it but I couldn't hear her due to all the background noise. I asked again, so there are no options besides a hardship form to lowering my monthly payments and she said no, but I could refinance with Mohela or another lender. The woman then asked if there was anything else she could do for me and I said I suppose not and she said have a great day and hung up.
Product: Mortgage

In late XXXX to early XXXX, my mortgage loan servicer, Ditech, had been undergoing significant internal software changes. Twice there were disruptions on payment due date notifications, and when I attempted to pay, their system did not register it correctly. Ditech even waived late fees in acknowledgment of fault. Now, there are XXXX 30 day late payments negatively affecting my ability to refinance. Multiple customer service calls were had in which there was understanding conveyed it would be remediated. I 'm also a flight attendant and often travel, making communication and opportunities to resolve matters more difficult. Ditech agreed they were at fault for the reporting errors but have yet to adjust for the bureaus. Please help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

For two years I have been trying to get XXXX XXXX and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. 

I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. 

Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. 

Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something I dont owe. I refuse to pay for their error. 

Now, XXXX XXXX is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. 

HOW!?!?! 

XXXX and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. 

They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either.

As far as XXXX XXXX, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. 

The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX submitted a hard inquiry and I did not request it. It is almost impossible to contact them. I have been working hard to establish good credit and do not need something like this to appear. I do not have a mortgage and any residence still in my name was part of a chapter XXXX bankruptcy 8 years ago that was discharged.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.
Product: Mortgage

I applied for an FHA home loan a month ago in conjunction with an Alabama Housing Finance Authority XXXX ( down payment assistance ) I was told the loan would be approved, but just found out from the mortgage loan officer, today, XXXX XXXX, 2016 that I do not qualify for the Alabama Housing Finance Authority XXXX because I am married and estranged from my husband who is living XXXX and can not be contacted to state his income and give his authorization for me to purchase the house. I am just stunned because I was led to believe that everything was o.k. and closing would be XXXX XXXX, 2016. For this reason only, I can not purchase a house and must continue to rent. Alabama Housing Finance Authority stated that I needed to be divorced, legally separated, or my husband needed to be deceased in order to take advantage of the program.
Product: Debt collection

back on XX/XX/XXXX we discontinued our cell phone service with XXXX  and from XX/XX/XXXX to XX/XX/XXXX i made payments to pay off the bill.i should of owed {$110.00} according to my records and attempted to pay them at the end of XX/XX/XXXX.talked to several people to try and make a payment but no one could find me in the system. finally using my social a guy was able to open up my account. he told me that my balance was paid and thats why i wasnt in the system.i told him i thought i still had a balance and he said if he finds anything other then what he told me, he will call or mail me.so now 4 months later out of the blue i get a collection notice from a place called XXXX.i called them right away on a friday evening and explained to them the above. they said send them a dispute letter, you have 30 days. i sent out the dispute letter 2 days later.maybe even one day later. i also called the 3 credit bureaus and asked if they had anything with XXXX, either opened, closed, late.they said absolutely no.i then called XXXX. i was transferred at least 6 to 8 times. no one would address this. finally a woman in the retention dept told me that its hard to find anything because someone sent it to XXXX.she did say however she is showing 4 lines were paid up and that the other has a {$100.00} to {$140.00} balance.i told her thats what i had but was told i owed nothing. i asked another manager for a copy of the phone conversation i had in november and he said hed call me back.never did.so now 7 months later, without even any notice a place called dci consultants puts a derogatory remark that i owe them {$630.00} for XXXX.i got an alert and my score drops 45 points. XXXX never called me back to tell me if they disputed my dispute. since 7 months went by i assumed they and XXXX were satisfied with my dispute.dci never once contacted me to see what was going on.they must of known they were the second ones trying to collect a paid debt but didnt seem to care.either that or XXXX lied to them.never sent me a letter or call to explain to them or dispute this once again which i shouldnt have had to.they just went ahead and blatantly puts this on my reports. i have disputed this with 2 credit bureaus, XXXX XXXX, and also a dispute letter to dci was mailed onXX/XX/XXXX.im including the XXXX notice from them and my last statement i ever received from XXXX. it might be hard to read because i put all my confirmation payment numbers on it since it was all i had. 

thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the as
signments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME