23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response or any notification of the status. I feel deeply that I have been taken advantage of and my disputes are being ignored.Section 611 ( a ) states clearly that failure to investigate these items within 30 days is reason to immediately removal from my credit report. It has been over 30 days and they should be deleted. I demand that theses items be deleted or I will file for litigation due to the stress of this situation.My information was impacted by the XXXX data breach and could have possibly been affected.
Product: Debt collection

Received VOICEMAIL message today on mobile phone from number, XXXX " " my name. '' This is XXXX XXXX I'm a carrier with the county responsible for serving you legal documents pertaining to your social security number. This is an attempt to locate you at your residence or place of employment to obtain signature. This is a fail attempt it will result in a missed court appearance on your behalf. To stop the practice of being served or prevent a missed court appearance that you please press one to be connected to be directly connected to a representative or connect the filing party at XXXX. 

When I called them they stated they were from the law office of Cardoza and Wexler. When I pressed for more information I was either hung up on or left on hold until I hung up. 

The debt they are sighting is an old payday loan that has already been paid over 3 years ago.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Equifax and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. 

After contacting the EquifaxI was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX, I traded in my XXXX, XXXX XXXX ( XXXX : XXXX ) to the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ). 

It was recently brought to my attention that when the XXXX XXXX XXXX XXXX sent the payoff information to XXXX XXXX XXXX, they refused to accept the payoff payment because the check was from a third party. Nowhere in the contract did it ever state that this was an issue and may cause problems when trading in the vehicle, nor were there any instructions regarding this when I requested a payoff quote from XXXX XXXX XXXX. 

Then XXXX waits over thirty days from trading in the vehicle to notify the XXXX dealership and me of the issue. I contacted Infiniti and spoke to several employees who said that XXXX would have to contact a local Infiniti and give them payment to forward to Infiniti Financial Services because they will not accept direct payment from XXXX. I do not understand why the company refuses to accept payment, causing problems for the XXXX dealership and myself. Now Infiniti is attacking my credit report when they had every opportunity to accept the payment and remedy this problem. I then contacted XXXX to tell them about the information I obtained from XXXX. They said they attempted to contact two local XXXX dealerships who refused to assist XXXX with anything regarding this account I believe that XXXX XXXXl is exhibiting unfair and illegal practices, and none of these issues are stated in the contract.
Product: Debt collection

Received XXXX calls in succession from Delta Outsource Group on my personal cell number, and my office number, I informed the caller to remove XXXX numbers form their call list and to submit all requests to me in writing on XXXX. 

The calls have continued on a daily basis, I have reminded the caller not to dial my numbers. 

on XXXX Delta Outsource Group began ringing both lines simultaneously. I finally blocked their number ) on my cell number.
Product: Credit reporting or other personal consumer reports

XXXXAccount number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD INQURIES FROM MY CREDIT REPORT FINALLY! 

This is my third message to make you to accept my complain. Why I still have someone else 's inquiries or fraud inquiries in my account? What is that? Do you understand that this wrong and misleading information just killing my life planning .... How should I proceed if in 2021 Bureaus can not guarantee that they reporting right information plus the system is interconnected this effects on my score and on my financial planning, loans, mortgages and my wife mood .... So could you please get finally my point and apply proper actions?! Please I want to have my own information in my credit report So remove it asap
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Mortgage

I received a letter requesting proof of flood insurance, I followed instructions to upload the flood declarations page as our flood insurance is covered under our HOA. I also faxed it to be double sure since I have no confidence based on past terrible experiences with Roundpoint. A few weeks later I received another letter stating I didn't provide proof so I uploaded and faxed again. Now I received a notice of Lender Placed Coverage charging me over {$2100.00} and stating it's because I never provided proof of flood insurance. Today I called and was hung up on 3 times. I went on their online chat and was told to now email the declaration page to insurance@roundpointmortgage.com which I did. I followed up with a phone call and was on hold over ONE HOUR and then person told me the document I sent was not what they were looking for. However, I am the treasurer of the HOA and provide the same document stating proof of flood insurance for 15 homeowners and it is sufficient. In addition, I looked back at my emails and I had the same issue last year with them with the exact same declaration page with last year 's dates. I feel that I am being scammed and don't know what recourse I have to stop this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX  the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYNCB/JCP XXXX XXXX XXXX XXXX
Product: Debt collection

I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is XXXX that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Equifax, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called Equifax multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?
Product: Debt collection

Back in 2015 I rented an apartment with XXXX  XXXX XXXX   XXXX company in XXXX XXXX IL, upon moving they stated I owed fees never contacted me put it on my credit and when the Debt collector fair collections contacted me I paid the debt immediately with the agreement that they would remove the debt upon payment. I had numerous complaints against them including them entering into my apartment several times without my permission. The girls in the management office were extremely rude and told me they were going to make it hard on me to move as soon as my lease was over I moved. I have nothing showing I ever owed the debt but was forced to pay it because I was trying to purchase my house. The original creditor has sold the property and Fair collections will not provide proof that I owe the debt it is still on my credit report I have been disputing this and all they give me is attitude and lies. They refuse to remove the debt they refuse to provide proof of the debt I have reached out to all 3 credit bureaus trying to dispute this and they will not remove it still no proof the debt is owed to the company. Since the money is no longer owed I want it removed from my credit report and since they have no proof of the debt it should not be there. They should not be in business because what they are doing is illegal it has to be.They are all over the internet for fruadlent activities and the original creditor should be investigated as well for criminal behavior.
Product: Debt collection

The principal on this debt was paid directly to original creditor  Speedy Cash. Balance represents interest and is three times the amount of t he loan.     It is illegal to report pay day loans to credit bureaus in Texas.      XXXX   XXXX  ignored by request to find out if they are licensed to collect in Texas.      XXXX   XXXX  said they have new information on me that confirms the debt, but did not provide me with that information.
Product: Debt collection

I did not receive a right to dispute validity of debt notice to address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Al XXXX this collection has therefore unexpectedly hit my credit report and I will like to dispute this debt. And or negotiate of a payment plan to remove this negative tradeline off of my credit report.
Product: Debt collection

Harvard Collection Services placed a debt for {$660.00} for what appears to be a medical debt. I never received any notice of documentation that supports that I owe this debt. I'm asking to see and original contract & XXXX release form with my signature verifying this alleged debt. If they can not provide this debt, it shall be deleted from all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have submitted numerous disputes to XXXX, XXXX, and Transunion. They have refused to investigate and provide me results. I demand an investigation. This is a violation of my rights. Please see all of my dispute letters attached. They have 3 bureau tables showing all errors.
Product: Credit reporting or other personal consumer reports

I'm worried about an unfamiliar inquiry on my credit report to which I didn't apply. I didn't authorize or give consent for this company to access my information, and I'm trying to understand how and why this occurred. It's causing me a lot of stress and anxiety.
Product: Credit card or prepaid card

Somebody hacked my account took {$1800.00} out from XXXX XXXX on XX/XX/2023 thats not in my name I email my card provider with the information the same day but company was closed for the weekend I made a dispute for the unauthorized transaction the providers card company closed my account and have not reimburse me for my {$1800.00} the card company says no error has occurred please help me
Product: Vehicle loan or lease

I traded in my old XXXX for a newer one and set up payments on auto pay as I've always done over the past 7 years with impeccable payment history. 

XXXX failed to take out the payment from my auto pay and didn't contact me until I was past the 30 days. 

I've NEVER Missed a payment to XXXX. I had the money in my account, and this was their mistake. 

This is hugely impacted my credit score for something that was not my fault.

Please let me know what you can do to help.
Product: Debt collection

In early XXXX I received a letter from XXXX XXXX XXXX that stated if I did not voluntarily make arrangements to pay on a time-barred debt, I could be held accountable for additional costs. By threatening me with additional costs this attorney implied that he would sue me in court and hold me responsible for court costs and other costs associated with that action. I have attached his letter to me. 

I feel that this attorney was attempting to intimidate me. In this letter, this attorney also admits that a debt he sued me for was only placed in his office for collections, that he was not hired as an attorney on the debt, but that he used his position as an attorney as part of his collection tactic. I feel this is an abuse of his role as an attorney, unless he is retained by someone to collect debt, he should not be allowed to use his position as an attorney to sue for debts that are only placed in his office for collection.
Product: Mortgage

The mortgage company First Guaranty Mortgage Corporation dba goodmortgage ( NMLS ID 2917 ) representative name XXXX XXXX reach out to me and my husband in XXXX regarding refinancing our current mortgage that we have. When I spoke to him he said they go our information from our mortgage company to see if we wanted to refinancing with a lower rate and payment. I contacted our mortgage company and they said yes it was legit. I asked XXXX would there be any closing cost or any fees associated with this loan he said no we would have to pay for the appraisal to see if the value of the home. He said it would only take a month to do. Well a month came and went. Once he transferred the loan to XXXX XXXX she came back saying she couldn't verify my husband employment I gave her FOUR contacts so she could verify. She kept coming back saying she couldn't verify. Then she came back with something else regarding a foreclosure that was included in Bankruptcy and discharged back in 2013. Now they are saying because of that they can't proceed with the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX I was told that the XXXX would be paid off in full by XXXX with a payoff quote given to them by Capital One in the amount of {$34000.00}. This XXXX XXXX XXXX is still showing in my name although XXXX has now resold the Jeep to someone else. I saw them resale it online and even took screenshots to show that it was up for sale before the vehicle has been paid off to Capital One. I refuse to receive late payment penalties that will negatively affect my payments for a vehicle that I no longer own. XXXX claims they have sent a check to Capital One paying it off in full, but the tracking number provided only shows that the Label has been created. That tracking number is, XXXX. It is now XX/XX/XXXX and the vehicle is still showing on my credit as though it still belongs to me which it does not. The vehicle is no longer in my possession and has not been for almost two weeks now. Capital One will need to be informed as well so this can be rectified in a timely manner.
Product: Mortgage

I sold my house in XXXX on XX/XX/2015. My former mortgage holder, HSBC, supplied a payoff letter to the title company which was good through XXXX. A check was sent from closing to, and cashed by, HSBC within the prescribed time. The amount was as they had requested in their payoff letter, and they released their lien on the house. XXXX XXXX XXXX XXXX months later, HSBC sent me a bill for the amount, and started calling me XXXX times a day saying I owed them {$3200.00} more. I sent the bill to the title company, and the XXXX XXXX said that HSBC was wrong and that she would take care of it. A few days later, she said she had spent hours on the phone with them, but got absolutely nowhere. She said they do n't even show that we sold the house. They show that I made a big payment in XX/XX/2015, but that 's it. 

At this point, a year and a half after the sale, I still get harassed by numerous daily calls. HSBC has no lien on the property, which is good, but they do n't seem to understand that fact. I just received a copy of a homeowners insurance policy which they purchased in my name for the property as well. I have spent hours on the phone with them myself, but ca n't get a single person to even acknowledge that the property was transferred to another owner. Everyone I talk to at HSBC says, if effect, " there, there, if you are having trouble paying your mortgage, there are programs that can help ..., etc. '' I can never actually get to a discussion of their error because they simply read off canned responses. It is completely pointless. I just wish they would sue me so that I can counterclaim and actually fight this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted XXXX this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX without providing any information about the XXXX account. I, again, called XXXX in XXXX of this year and insisted that they research the bad debt. They gave me a XXXX phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because XXXX, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!
Product: Money transfer, virtual currency, or money service

My issue is with XXXX. I set up an account and I want to cancel it and get my money refunded. XXXX said there were issues with my bank account when there were not. I tried entering new banking information and it would not take. Since then I changed my phone number and have been unable to log into my account because of their verification process. Every time I have called XXXX to complain they said they were aware of it and wait for my turn. I will know when its my turn when I get an email from XXXX telling me its my turn. Never got this email and it has been months. Every time I call I am told this same thing. It was only {$32.00} but now its the principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.