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

I submitted a dispute letter XX/XX/2023 with all XXXX credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX/2017 I submitted a fax to prosper to change my contact info from ( XXXX ) XXXX to ( XXXX ) XXXX i warned them via fax that if i keep getting calls to this number i will be submitting a complaint i have call logs that they are still calling me to ( XXXX ) XXXX after asking them to update my contact info. 

Note : The keep calling from number ( XXXX ) XXXX The change of info went in effect as of XXXX/2017 and they are in violation of my request
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

these are the fraudulent accounts that I seen on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I sent the KOVO the following message from XXXX " I have enjoyed my service with Kovo. How ever, because I have been in the hospital for a month fighting COVID, I need to close all of my non-essential accounts. Please close my account before the beginning of the month. I don't believe I am entitled to anything but if I am please mail it to XXXX XXXX XXXX. XXXX, SD XXXX. '' They did not close my account like they should but instead added months of late payments to a secured loan against their own rules.
Product: Mortgage

My mortgage lender, Citizens One, erroneously paid the taxes for a home I do not own out of my escrow account with them. This is causing my estimated payment for the following year ( 2018 ) to be falsely inflated. I sent a payment to Citizens One that matched my prior payment and they sent it back to me. I contacted the XXXX County Tax Department and they verified that the taxes were paid by me. I first notified Citizens One of this in mid-XX/XX/XXXX, when I received my annual escrow account review. Their initial estimate had my mortgage payment potentially increasing by {$2800.00}. It has been 2 months now that the tax department at Citizens One has had ownership of this issue and they have still not resolved this. I have attached a copy of the 2 escrow statements that I received from Citizens One ( both incorrect ), and the letter they sent me when my payment was rejected.
Product: Mortgage

My mother died in XXXX of last year XXXX. She had a reverse mortgage and I am executor of the estate. The agent who had her sign the original reverse mortgage contratc was informed that she had XXXX, but went ahead with initiating the loan regardless of her obvious inability to understand the ramifications. This agent worked for XXXX Mortgage company. More recently, generation sold the mortgage to Champion Mortgage Company, but in the document of transfer, regeistered at the clerk of courts, they listed a legal description of a completely different property thousands of miles away with no connection to my mother.. I pointed this out shortly after her death, and the mortgage company filed a new transfer document in XXXX. I question whether the original contract is valid since it was not executed in good faith with someone who knew what they we signing. I also wonder if the transfer of the mortgage is legal with this botched legal description and the transfer only truly being processed long after my mother had passed. lastly, i have been trying to work with Champion Mortgage to obtain a 95 % of Fair Market Value payoff amount so that the family cal possibly buy the property back out of foreclosure. They have lost document repeatedly, not communicated in a professional manner and even scheduled a foreclosure sale date of XXXX XXXX without any notification. I discovered that a sale date had been set when I called to check on the status of the account today. Today I was told that I have to hire a lawyer or real estate agent and get them to process a preliminary HUD statement, a sales contract etc., before Champion will postpone the foreclosure sale or initiate an appraisal to determine fair market value. The house is in an area with a severely depressed real estate market and the house is not in good shape. It is worth perhaps half of the loan balance at this point. i am happy to work in good faith with Campion, but these issues should be addressed, and I would like to know what laws pertain to this type of issue. Specifically, do i not have the right to represent myself in this process? If all we want to do is pay off 95 % of the FMV as required by law, why must I beg for an appraisal. i paid for XXXX appraisal out of pocket and sent them the results ... of course, this was not acceptable, yet since XXXX, i have been trying to get them to provide me with their estimate of 95 % of XXXX so we can close the estate. now they are trying to sneak through foreclosure without notification and placing beurocratic barriers to obtaining an appraisal for a 95 % payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failureto investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by XXXX XXXX  or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. XXXX XXXX is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with XXXX and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting XXXX has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors XXXX made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.
Product: Checking or savings account

I've been looking for a creditor of sort to help with fixing our credits. I answered questions that a regular creditor would by the name XXXX who " works '' for XXXX XXXX XXXX 

I told him XXXX of the sore thumb problems that I had which was : fraud '' someone in West Virginia was going to school in my name and didn't pay the bill. Far as I know, you must have a XXXX or a XXXX XXXX XXXX. So, now I'm stuck with the inquiry and my husband and I want to buy a home now that we are leaving the military. 

This XXXX guy put me in the exactly situation of what I told him that got into debt in the first place. 

he used everything I said against me, right after I signed and signatured the papers that he sent me. XXXX re-seny me the papers with more writing on it saying that they are not credit repairs and that they are a school '' as i I agreed to that. 

A person is not stupid because they don't have certificates of attendance in high school or a collage. It just means they didn't get a money trade skills in a job to make greater income of their choice. 

I contact PAYPAL and they refuse to give me my money back. PAYPAL wants me to believe they are doing their investigation by asking me to summited the same information that I've been sending rhem more than 3 times. Second '' giving the other party more than enough time to give me the service that I never asked for, but because I paid them '' PAYPAL eants to believe that is want I knew what I was getting which is nothing. PAYPAL REFUSE TO INVESTIGATE and this is why I haven't received my money back. PAYPAL expecting for me to just leave this alone
Product: Debt collection

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 )
Product: Credit card or prepaid card

I closed my PayPal credit account and they are accepting fraudulent transactions without that are not mines. Paypal credit refuses to correct their error. In addition, charging excessive fees and interest rates to enrich themselves that I am forced to pay because Paypal refuses to correct their errors. 

There is fraud with Paypal credit and when you call there are long hold times and unprofessional customer service up to the supervisory team.
Product: Vehicle loan or lease

This car was purchased in XXXX the day of the purchase we realized something was wrong with the XXXX  asked for a refund from the bank & dealership refused so we was forced to drive to keep it..two weeks after something exploded in the engine..I was stuck with a car payments, insurance and repair bill.I explained to car dealership what was happening they refused fix itaround XX/XX/XXXX I stopped working, due to XXXX XXXX I stopped and paying the car payments because car was still parked at shop, getting this removed has been very frustrating situation. the creditor refused to remove this off my credit almost 5 years later the car is completely payed off since and I no longer want this on my credit Report it affecting my financial health and my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX identity works compliment of XXXX XXXX bank XXXX. XXXX XXXX bank XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX, XXXX, XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX loans of Texas, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, cXXXX XXXXXXXX, ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXXk, XXXX bank XXXX XXXX XXXX XXXX used to be XXXX XXXX XXXX XXXX FOR XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX in 2020, mt past emails from XXXX XXXXnd XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to Bank of America about a charged account on my credit profile. I am aware that to make this account charged off, you all had to write off this debt to have the account listed as Charged off. Upon looking at my credit report, I see that {$660.00} dollars have been written off. Because of this, I am asking that Bank of America provides me with Form XXXX to prove that you all have in fact written this account off. I am requesting that this form is submitted within 15 days. If you CAN NOT submit this form proving that this account is in fact charged off, I am demanding that you promptly delete this account. If you fail to comply with any of the requests that I am asking, I will not only hold this company accountable for tax fraud, but also proceed with filing a lawsuit. 


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

XXXX  have me as XXXX XXXX  XXXX the XXXX  enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card or prepaid card

I upgraded my old SPG Amex card to Amex Marriott bonvoy brilliant due to upgrade offer which was 100,000 points with {$5000.00} spending requirement within 3 month on XX/XX/2019. 

I didn't get any bonus points after {$5000.00} spending. 
Therefore, I contacted Amex to check the status several times. 
Amex told me there was no offer for me when I upgraded my card. 

My fault was I didn't capture any evidence when I upgraded. 
I found upgrade offer in my Amex account and I upgraded it. 

Thank you
Product: Credit reporting or other personal consumer reports

For my Lowes account me and my wife bought a fence for the house. When it was discussed with the credit company they said we can do a span of 60 months which is 5 years so the payments should be around XXXX at max. They messed up minimum payment was XXXX. They said we asked for security which is an extra XXXX which we didnt so they took that off. But my payment due was still high because of everything that accumulated. I asked them to fix it now they act like they dont know anything. Im not supposed to be paying XXXX. So I didnt pay anything because it should be fixed. Now im coming up with a payment plan this is ridiculous.
Product: Credit reporting or other personal consumer reports

American Express " AMEX '' - this is me putting AMEX on NOTICE for incorrectly reporting information on my consumer credit report. pursuant to 15 USC 1692 ( c ) - cease and desist. account number ending XXXX for the discover it credit card. this corporation has incorrectly been reporting credit history information. This is enough grounds to bring this person to court, for defamation and for financial injury pursuant to the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX further more they could be liable for civil liability pursuant to 15 USC 1692k ( a ) ( XXXX ) - any actual damage sustained by such person as a result of such failure. This case law between this missed payments and all of the times that I have disputed the information on this account have amounted to about {$34000.00} in violations between missed payments and randomly closing the account. not including the other violations that I have listed below. 
this fine begin at XXXX and is not limited to just this amount as the definition of any pursuant to XXXX law dictionary is unrestricted. furthermore, XXXX has revinsteagted this matter a series of times, and has apparently validated the debt without ever disclosing WHO the flesh and blood human being is that validated the debt is and without ever provision through public and private XXXX ( generally accepted accounting principles ) for the account in question which Is also a violation that carries civili liabilities with it. pursuant to 15 USC 1692k ( a ) ( 1 ), FCRA 623, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I dont not wish to see a packet of statements unless you wish to see those same statements being used as evidence on my complaint! thank you!
Product: Debt collection

I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.
Product: Credit reporting or other personal consumer reports

My Rights Regarding Credit Reporting PAY ATTENTION : REPS OF XXXX TRANSUNION AND XXXX use common sense, Look at your respective letter attached with your company at the top. if you look at another bureaus letter the only reason you should be is comparing the shared info that was furnished. Let 's get this right guys. I need better scores to refinance my vehicle and your lack of reporting correctly is preventing that! 


I am concerned that my private information is being shared by [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ] and credit bureaus Transunion XXXX and XXXX without my proper consent. 

These inquiries are a product of identity theft if they aren't tied to an account, because I don't apply for anything. 

Here 's a breakdown of my rights based on the laws that have been violated in which I could use for each violation Fair Credit Reporting Act ( FCRA ) : You have the right to ensure accurate information is reported. ( 15 USC 1681c ) Credit bureaus can only share information with authorized parties with a legitimate purpose. ( 15 USC 1681b ) You can dispute any inaccurate information in your report. ( 15 USC 1681s-2 ) You can request a free credit report annually. ( https : //www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act ) Gramm-Leach-Bailey Act ( GLBA ) : Financial institutions must protect your nonpublic personal information and obtain your consent before sharing it with third parties. ( 15 USC 6801 & 6802 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receivable Performance at XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$1900.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

Hello, I referred two friends for the SoFi Credit Card which advertised a 6 % cash back bonus for 30 days for each successful referral. 

The first friend was approved on XX/XX/2022. 

The second on XX/XX/2022. 

I have been going back and forth with SoFi on the first bonus, and tried again today with a new friend.

I literally watched her apply through my referral link, and on the application screen it said she was using my link. However. SoFi now claims they have no record of her using my link and awarded me a measly courtesy of XXXX dollars which will not even cover the extra cash back Id have earned today. 

They claim my referrals did not use my referral link. I actually watched them do it, so this is a blatant lie. And the first individual swears they use the link as well. There is clearly an issue with their referral system.