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

I recently signed up with the 3 consumer reporting agency's- Experian, XXXX, and XXXX to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' ( 2 ) In accordance with the written instructions of the consumer.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer. 

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}
Product: Debt collection

Back on XX/XX/XXXX I submitted a complaint with the CFPB in regards to a company by the name of Veros Credit and included in that complaint was a law firm by the name of XXXX XXXX XXXX, XXXX. and the attorney in question is XXXX XXXX ( bar # XXXX ). XXXX XXXX has fraudulently attached not one but three liens on a property that I have never owned or have ever been the owner of. The house belongs to my father and was purchased solely by him in XXXX. In reference to said complaint I then received a satisfaction of final judgement in the mail from the law offices of XXXX XXXX XXXX, XXXX Keep in mind that at that time there was only one lien on record, but as of XXXX there are three. Not only should the lien not have ever been placed on a property that is not mines and does not nor has it ever belonged to me, but it should've been removed back in XXXX. He needs to be held accountable for his fraudulent actions so I will be proceeding with this matter legally in court and I will also be filing a complaint with the Florida Bar in regards to this matter. 

I've attached photo proof showing who rightfully owns the property and I've also attached photo proof showing the three liens on the property with XXXX XXXX as the creditor.
Product: Mortgage

I have been in the short sale approval process for over a year now. I finally had an approval but we were unable to close due to some repairs needed. Both my realtor and I have tried to contact Wells for an extension but no one returns our phone calls. Not only are we at risk of having the buyer walk, but I am at risk of losing a job offer that requires proof that the short sale is going through. Wells forced me to default on a loan so that I could get a short sale approve and my credit continues to be destroyed despite my best efforts to get something completed. This is beyond frustrating.
Product: Debt collection

Associated Credit Services , Inc.- While attempting to collect a {$600.00} bill that is not mine, reached out via phone to advise me of a bill from XXXX  XXXX XXXX XXXX XXXX This bill was from address XXXX XXXX XXXX XXXX, I have never resided or had utilities in my name at that address. ( See attached expired federal drivers license with address of residence ) XXXX XXXX was a rental property that someone else owned/rented from and I moved before the residence 's electric was shut off, but because they are trying to add the two meters ( on the same home ) together, I am now receiving this unpaid bill, almost 5 years later. No way, it's not mine and I am formally disputing BOTH companies record of this because it is inaccurate. I did ask for a copy of the bill when I was first notified to verify it was actually mine, the address on the bill clearly states XXXX XXXX, not XXXX. All documents are attached. Please do not have them contact me, take payments from me and send that bill back to XXXX  XXXX so I can dispute and handle legally with that company. The gentleman I spoke to at Associated Credit Services was extremely rude and ignorant discussing this issue with me- he clearly has no idea what is going on and didn't care to hear it ( outside of his mindset ) He should not be dealing or handling ANY customer service issues whatsoever. 

Any questions please feel free to reach out to me. Thank you in advance.
Product: Debt collection

Back in XX/XX/XXXX, I joined XXXX XXXX ( XXXX ) and left for XXXX. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to EOS XXXX. A little over two years ago, back in early XX/XX/XXXX, I started receiving the initial contact from EOS. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted all XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by XXXX about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of EOS XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into EOS XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
Product: Credit card

I received an unexpected charge of {$21.00} in XX/XX/XXXX on my Citibank Credit Card that I do not normally use for purchases. 

I did not notice the charge on my XXXX statement and received a late notice on XX/XX/XXXX. The late notice included a late fee of {$21.00} ( equal to the balance ) plus {$0.00} interest for a total new balance of {$43.00} I called Citibank and requested they remove or lower the late fee and I would pay Immediately. They refused to lower the late fee and notified them I would be filing a complaint with the CFPB.
Product: Debt collection

I did back in XXXX apply for a payday loan with CheckSmart to help my mother with her medical bills back then. I was also working as a XXXX XXXX XXXX so I had the financial means to pay the loan back in which I did. I received a phone call from a guy named XXXX and his voice message he left me said that he had some information in his office about me that I wasnt aware of and for me to call the number he provided. When I called the number a young lady who would not give me her name answered the phone. She never said a business name when she answered the phone and neither did XXXX leave the business name In the voicemail. She told me what the call Was about and with a lot of forceful authority in her voice said why havent I paid the balance? I stated its been 13 years since I paid that off and the original building I went to for the loan isnt there and hasnt been there since XXXX. She was really smart mouthed and rude and when I called her on it, she said that she didnt have time for me to ask her questions and for me to have a good day and then hung up the phone.
Product: Checking or savings account

Capital one bank has not released my deposit since Wednesday the XXXX and have no actual date as to when mine and thousands of others deposits and money will be available. Ive been incurring late fees on my accounts as I also have them with capital one but they have not released my deposits in order for me to pay them.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS XXXX XXXX JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice XXXX XXXX  Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Product: Mortgage

I have had at least XXXX occasions where i was working with wellsfargo and they waste time going back and forth and after i get all documents to them as they requested they would then turn around and say that we didnt get the documents, Can you send them again to then turn around and say we are sorry but we can not help you. 
First instance was trying to get a mortgage modification in XXXX it took 6 months after going back and forth and resending documents that they request and being told that we can help you, to send in a trial payment for 3 consecutive months and then we can decide later. Which never happen, at all times they would have an escuse as to why they cant help me or work with me to save my home. I have went as far as hiring XXXX different legal firms to help me modify my mortgage, however, they were just as bad. XXXX of them i never got my money back after they promised me that they can get my mortgage rate and payment reduced. After so many attempts to get some help from them and them constantly changing the account specialist. I strongly believe Wellsfargo is not interested in helping its customers save their home because if they are, it definately doesnt seem that way as they make the process too complex, no XXXX representative is accountable and they wait until the time runs out when you need to have an answer always with the same response we didnt receive all the documents as requested and after further review we are not able to help, so un fair, i have had it. My most recent experience after several attempts to get my mortgage modify is trying to get a short sale approval. My agent worked diligently with the correspondent and after i send in the information and she did as well to them and with such a surprise close to the sheriff sale date. I surprising receive a letter not a phone call or email prior to but a generalize letter that says we have not received all documentation up to this date and we regret to inform you that we will not be able to proceed on your request for a short sale. I dont understand as we sent everything in to them and when my agent call their contact person 's response was you were to fax or mail all the documents, not email. Which blows my mind as they have been communicating via email for all request and didnt request that it all be fax. They received it via email weeks in advance and why didnt they call or email back and say pls fax as well?. They are so discouraging to deal with as i was already having a hardship and sincerely needed the help to reduce my payments and they didnt help. Now im trying to save my credit to do a short sale and they also dont show any sincere assistant to help make the process go thru. Just sending out letters is not the best way to communicate or the most effective when its a time sensitive or urgent need.
Product: Credit reporting or other personal consumer reports

Dealing with debt collection companies, by law, I am allowed to request a copy of an agreement for specific companies, that I signed agreeing for these accounts that the debt collectors have in their possession, a copy of payments I made to the specific account, and previous information regarding myself dealing with the account.

Im allowed to give them 30 days after providing them a letter with my request for them to provide me this information. I have sent a letter to all debt collectors on my credit, and they have not responded within 30 days. 

I have expressed this to XXXX XXXX, and Experian as well, and the collectors are still on my credit. I have provided the letters that I sent the collectors and proof that I have sent them. The investigation was not done correctly because theres something on my report that I have never seen before. I made disputes to all. 

Companies on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Consumer went online and filled out an application after receiving thousands of offers from Springleaf. I was approved for {$2000.00} instead of the requested amount of {$2500.00} and that I should go to a local branch to complete the loan. Right of the bat consumer could feel that the environment was XXXX. Was working with a rep and gave my pay stubs which stated {$110.00} short because I had inputted my gross pay amount and not net which is {$2700.00} -- not {$2900.00}. Rep stated that she tried calling me but received a message about the network ; however I had just moved to a house and was transferring service that would complete on XXXX XXXX, 2016 by XXXX. The branch manager, yells that I was disqualified because I had not phone. The fact is I have a cell phone and a landline that was being transferred. He was operating on stereotypes and assumed I had no phone. I immediately cleared that misunderstanding up, but then the rep stated that I was over the income limit as far as payments. I could not understand the problem and requested a listing of my debts, and low and behold Springleaf had tacked on a bogus payment of {$82000.00} for a student loan that has a {$0.00} payment. I immediately called XXXX and XXXX -- the XXXX credit reports used -- inquiring about this bogus {$820.00} payment. The branch manager yelled again that the credit bureaus will take 30 days to correct, and I responded back that if a blatant dispute was done via phone it would be immediately removed. He did not want to rectify the problem even though there was a blatant mistake on my application. The environment was too XXXX, so I asked for the next nearest local branch, and the rep reluctantly gave me the location. I had my filed transferred to another location. This location was more reasonable and understanding and requested documentation that my student loan payment was {$0.00}. I submitted this information, but this documentation was not enough and Springleaf corporate wanted a statement stating that for two years, my payment would be {$0.00}. XXXX XXXX does not operate this way. Recertification is every year, and for three years I have been recertifying with the same income and medical issue. I called both XXXX and XXXX this a.m., and they both stated that they are not reporting any {$820.00} payment for XXXX XXXX and that they were not reporting any payment. I insisted a {$0.00} payment be added to my credit report and not left blank. Springleaf is a scam because they would not adjust the approved loan amount to fit the {$110.00} shortfall. The adjustment could easily be done. An approval was granted for {$2000.00} with {$2900.00} income, why not make an adjustment for the {$2700.00} net income. Springleaf was adamant that the amount had to be {$2000.00} with a {$2900.00} income. Seems unreasonable and unfair dealings.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found this charge off account with Past due balance of {$17000.00} which is incorrect. 

I am not sure how this happened, I even have a clean title showing the total ownership of the vehicle and I have it on my possession. I know it's been fully paid and I owe nothing on this company.
Product: Credit reporting or other personal consumer reports

please investigate this item. this item is inaccurate. The clerk of the Unites States Bankruptcy court confirmed they do not verify any information to credit bureaus or CFBP. with that being said, this information reported on my credit report is unverifiable, inaccurate and false.
Product: Debt collection

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 reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : SUNRISE CREDIT SERVI ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : This is not my account Please respond to me with an updated copy of my credit report once these accounts have been removed. 

Thank you, XXXX XXXX
Product: Debt collection

I have been facing unexpected challenges in meeting my financial obligations, particularly with regards to the payment schedule of the aforementioned mortgage account. Unfortunately, this difficulty arose due to the passing of my father, a situation that has been emotionally and financially challenging for me. I am reaching out to you to kindly request your understanding and consideration in this matter. I am sincerely committed to meeting my financial responsibilities, but the unforeseen circumstances surrounding my father 's death significantly impacted my ability to make timely payments. In light of these circumstances, I kindly request that you review the account associated with the aforementioned account number for any late payments and negative status. I am seeking your goodwill and understanding during this challenging time, and I would greatly appreciate it if you could consider removing any reported late payments and negative status associated with this account. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Prepaid card

On XX/XX/XXXX I was terminated from my place of employment. They gave me a Skylight pay card and told me that my funds would be available the next day. Enclosed in the card package were XXXX skylight checks. The package states that the Skylight checks can be cashed for no fees at all XXXX locations. I went to the XXXX to cash the check and take it to my bank. Unfortunately, the tellers over there did not know how to cash a skylight check and it kept coming up declined. I had to call Skylight and they had to void that check and put my money back on my account, which would take XXXX business days. The following Friday, I went to a different XXXX XXXX and they knew what to do. I went ahead and got the approval number and they went ahead and got the authorization number. But when they ran the check thru their system, it kept coming up denied by skylight positive pay system. Again, I called skylight while sitting at the bank after XXXX minutes. I was told that a supervisor would call me in XXXX minutes to an hour. XXXX hours later I had still not received a call so I ended up calling Skylight again, and they are telling me the same thing that they would need to void the check and I would have to wait anither week for the money to be put back on my account. But I do not have any other checks to get my money out of the account and there is no guarantee that this will not happen again.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required XXXX window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.