23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received letter from Debt Recovery Solutions LLC attempting to collect a debt I supposedly owe to XXXX XXXX. On the letter it states this is regarding an alleged loan with XXXX  with acct # XXXX for {$5700.00} that was sold to XXXX. I received a similar letter earlier this year from XXXX for the same alleged debt. Looks like it's now been sold to DRS for collections. On that notice I was informed that " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' This notice from DRS did not contain that language. 

The CFPB investigated this concern on Case # XXXX and XXXX debt collector removed it from all my credit reports. DRS has since placed a derogatory collections on all of my credit bureaus adversely affecting my credit. This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. 

DRS is in violation of Cal. Civ. Code 1788.14 and Section 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ).
Product: Credit card

I signed up for a new AMEX credit card. When I received the card, I added my bank account information for payments. I thought I had set up XXXX  but a day after my XXXX payment due date, I got charged a late fee for not paying the XXXX payment by the due date. Then I immediately paid the full statement balance and ensured XXXX was set up. I contacted AMEX customer care to waive/refund the late fee because this was an honest misunderstanding but they refused to accommodate the request. They reasoned that I didn't have enough credit history with them to fulfill my request. I am not satisfied with that reasoning because this issue is likely common with XXXX payers and honestly seems like a policy to pocket late fees from exploitable customers.
Product: Debt collection

Credence resource management is managing a debt that I owe to XXXX XXXXXXXX from XXXX. The debt already passed the statue of limitations in aged off of my credit report and fell off it was gone off my credit report for 3 months now they're trying to lie and bring the debt back by saying the account was open in XX/XX/XXXX I requested all the documents showing any proof that I had signed something or agreed to a new account that showed proof that it was open in XX/XX/XXXX they sent me the billing statements and every single one from XXXX XXXX XXXX from XXXX and XXXX so this account needs to be removed it's already past the statue of limitations and this is illegal they are lying. I have proof of the billing statements, etc. I personally have not had any contact with the debt collector because it will reset the time on the debt so I have been working with XXXX. Every dispute I have submitted has basically been ignored and just says they resolved it but still all the information is the same saying the account was open in XX/XX/XXXX and the collection is still on my report. This account was fraudulent to begin with. My mother opened an account in my name and I had no knowledge of it. The same thing happened with XXXX XXXX. The previous credit report before it aged off even showed the account was opened in XXXX. All of the billing statements do as well.
Product: Mortgage

My husband and I placed an offer on a house for an investment property in XX/XX/2022. We used Atlantic bay for a conventional loan. Our offer for the house was XXXX with the seller paying almost XXXX in closing. We pay over asking price so the seller we pay most of the closing cost. We got out Closing Disclosure and it had us paying $ XXXX. Before getting the closure document we called, emailed, and text asking what do we need to bring to closing? I even called the day before closing asking what that number was and XXXX XXXX said she was looking for it and would call me back and she did not. 

We get to closing thinking that the previous closure document was correct. We are then told that we have to pay almost {$4000.00} more than what we were told. I asked why and the lawyer said it was because Fannie Mae only lets the seller pay up to 2 %. This was never communicated to us. Otherwise, we would have renegotiated with the seller. We asked was there anything we can do to our title company ( XXXX XXXX ). And she said no, we all dropped the ball but sorry there is nothing you can do. We never received an updated Closing Disclosure document, and no one communicated with us that this number had changed. The lender found out about this change on XXXX. ( Even though this is standard ) We closed on the XX/XX/XXXX and no one still communicated with us. This cost about {$4000.00} that we did not plan on paying at closing.
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete remove all the following addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never lived at these address please delete them.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information was sold to National Credit Systems by the XXXX XXXX and it should not have been. I don't have any history with National Credit Systems and did not agree to have my information sent to them. Furthermore a balance should not be owed with XXXX XXXX XXXX or National Credit Systems as I went to court on the filing. I provided the judge proof of an XXXX environment after the apts failed to provide my son and I with a upgraded unit leaving us to live in a bldg that XXXX XXXX then subsequently developed XXXX, XXXX, and XXXX XXXX. The apts failed to do anything about this. I had to even result in contacting the XXXX XXXX  XXXX. This information was provided to the court which the XXXX of the XXXX XXXX  failed to appear which led to the XXXX to dismissed the case ( including the charges ) against me. National Credit Systems have been reporting inaccurate information to the Credit Bureaus and they should have record of my complaints with The XXXX XXXX. The balance/acct is invalid.
Product: Credit card

My family and I had our names, social security numbers, birthday, and bank account numbers and routing numbers leaked on the dark web. People have been taking money out of out bank accounts and opening credit cards and using them. We went to XXXX XXXX XXXXXXXX last week and changed out bank account numbers but people have been taken out thousands of dollars. Thankfully, XXXX XXXX XXXX refunded us. The credit card companies are still charging us. 


These are the credit card companies. 
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 Chase 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My fiance and I was searching for a forever home and we finally found one and put an offer on it. My fiance went with freedom mortgage because he was referred. The house was supposed to be a convential loan but with the ac missing and the front door in need of repair it had to be a XXXX loan. I was told it does n't take a super long time but it is longer than comventional. They were still gather info on our credit and financial things even in to month 3. Which is ridiculous. By the time they sent for an appraisal, that did n't come back for over 3 weeks which was after our closing date. Yes, we had to have an extension and it was approved. The appraisal came back with XXXX item on the list which included a whole lot of small repairs including replacement of a vanity cause the floor in it was broke to outlet covers, but yes there was one repair that cost a lot and that was the outside siding. Freedom mortgage would n't let me pay any money out of pocket or do any of the repairs myself which just kept raising my mortgage dollar amount. I had the money to pay for repairs out of pocket but they said that all I had to do was tell the contractors to not deduct the whole amount and the money left in account will go back to principle, and meanwhile with their procrastination we had to have a second extension which was approved. Now it 's past 4 months and closing date is coming up again and my lender tells me we are not going to close on that date. I filed for a 3rd extension and was told I would have to put more money down for deposit and my extension is approved but only because I am an excellent buyer with excellent credit and money in the bank. With the 3rd extension steadily approaching it was clear freedom mortgage would not be able to get their paperwork in order. My loan officer and my loan processor could not agree with anything and my loan processor kept losing my personal financial paperwork hence why it took over three month to collect my financial stuff. Now I lost the house and I 'm extremely mad because that was a home that I could see myself for the next 30 40 years. My loan was denied because of too many extensions not because of me but because of them. But they sent me a denial letter saying I cancelled the deal, which I did not. And because of that I ca n't get my deposit back. Please help me get my deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Purchased by a another lender add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

My credit card and driver licenses was stolen and used without my authorization. Also was new accounts and loans was opened fraudulently.
Product: Credit reporting or other personal consumer reports

This statement concerns unauthorized activities that I have noticed accounts held under my name for XXXX XXXX XXXX XXXX. Recently I noticed transactions and accounts that I did not authorize. Upon noticing these accounts I contacted both the creditor and Credit Bureau that there was suspicious activity. I vehemently deny any involvement out authorized these accounts. I not knowingly shared my account details or personal identification that could facilitate such fraudulent access. I am committed cooperating fully with all necessary investigations to rectify this situation. This has caused me significant stress and caused jeopardized by Financial stability. I earnestly request these items be investigated and rectified by deleting these accounts. Thank you for your attention to resolving this matter. Regards, XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my XXXX XXXX. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act there should be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX collecting on behalf XXXX XXXX opened XX/XX/XXXX
Product: Mortgage

This is insane. I already wrote this up and it went into the ether. I assume the XXXX Administration and XXXX XXXX in particular are trying to dissuade and hamper regular consumers from filing complaints against dishonest lenders. My lender, a company called XXXX XXXX a loan under a company called LoanCare. Misnomers all around. XXXX sold my loan to XXXX effective XX/XX/XXXX. I have paid on or before the due date since XX/XX/XXXX. I have phoned NUMEROUS times since my loan payment has not been credited, they say its in the system. I spoke to a loan representative on XX/XX/XXXX who told me that one of my payments had not be added to my account. And she assured me it was in the system and would be credited with in 5 days. So yesterday, I spoke to ANOTHER representative who said that XXXX had STILL NOT BEEN added to my balance. I told her that the rep I talked to on XX/XX/XXXX said it would be taken care of. ITS NOW 6 WEEKS  LATER. I know the XXXX administration has tried to wreck you. But normal consumers need you! Vote DEMOCRAT if you want to keep your frigging jobs! 

In the meantime, can you help with this company that has no rules, no regulation, and is trying to ruin my credit? I have PAID them, they have my money. I have NEVER been late on payment anytime, anywhere, or for any thing. EVER. 
I have spoke with the reps st XXXX ( aka LoanCare ) and they keep jerking me around. I have PAID them, I have it documented from my bank account. 
They are crooks. And i am TIRED of trying to call them. PLEASE HELP ME. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im trying to unfreeze my credit, and I have been for 5 years. Ive tried calling in every day and nothing does anything, they wont accept my proof of address even though I provided XXXX different proofs in my last complaint. XXXX have to keep complaining here until they unfreeze my credit because its the only way to have someone respond to me. Delete my security freeze. I emailed my documents and put them in my previous complaint. Delete my security freeze please.
Product: Mortgage

I made a payment to pay off our second mortgage company said no payment was made. I have a receipt for payment from them. 
they took me to court when i produced the statement they dropped the case but did not release the mortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has inaccurately and illegally reported false information and a fake account to my credit report on XX/XX/2020. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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 XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX WA. XXXX To whom this may Concern : Equifax XXXX XXXX  XXXX XX/XX/2023 My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items listed below attached to this letter deleted from my consumer reports immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquires from my Consumer reports.

Thank you in advance for assisting me with issue. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already send all the proof to Experian and XXXX XXXX  about all the wrong information that they have on my report, I dispute this with proof and EXPERIAN complete the dispute with out any change on this account, when I called EXPERIAN, said that they didn't change this information because XXXX XXXX  said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from XXXX? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.