23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from the County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be  reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. 
I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes.
Product: Credit card or prepaid card

I opened an individual Account with discover Card in XXXX. In XXXX  when i married, I went online to Discovers website and requested that they add my wife as an authorized user. My wife did not submit the request ( as it was done online through my account ) and she signed no paperwork authorizing Discover to make her a Joint account holder. With a divorce impending, we are removing each others names from any accounts. I deactivated her card at her request, and thought that it was completed. When i received my statement yesterday, i noticed her name was on the bill. I contacted Discover and their reply is that her name can not come off the account because it is a joint account. Discover has made my wife financially responsible for an account that she never agreed to be responsible for. All I 'm asking Discover to do his remove her from an account that she never agreed to be on. They should not have been able to add her to the account withour her permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to BARCLAYS BANK DELAWARE. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices.

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX XXXX XXXX, managed by the National Consumer Telecom & Utility Exchange ( run by XXXX ) to place a security freeze on my XXXX XXXX XXXX data report. They said that they could not locate my personal information. I am very worried that some crook could use my XXXX XXXX XXXX data report to open credit in my name, without my authorization, because of the horrendous, enormous XXXX   security breach earlier this year.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After receiving collection notice dated XXXXstated that I owed and original creditor " XXXX XXXX '' ( which XXXXis still reporting as opened. ) I then responded to Cavalry Portfolio Services requesting the Validity Of this debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I requested was the debt assigned to a debt collector or purchased? None of which was answered. I only received a letter stating this account is now subject to resumption.

The letter I sent via certified mail and return receipt was sent XX/XX/2023 and received by them XX/XX/2023. 
I also filed a complaint with The XXXX Complaint # XXXX I want this removed from my credit and all XXXX bureaus.
Product: Debt collection

IN RE : XXXXXXXX XXXX XXXX, Original Creditor AND Automated Collection Services , Inc., 3rd Party Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Most recently, in XXXX, XXXX, I received correspondence from a XXXX party debt collector, Automated Collection Services , Inc. ( ACSI ), wherein the original creditor, XXXXXXXX XXXX XXXX, shared my personal and private information without my knowledge and/or written consent - violating FCRA law ( s ) and consumer law ( s ) and sold this alleged debt that I have no knowledge of, along with inaccurate information. ASCI is demanding payment in the full amount of {$2700.00} ; and also, XXXXXXXX XXXX XXXX closed  and charged off this alleged account and reported same to the three ( 3 ) credit bureaus, additional 3rd party affiliates. Moreover, this inaccurate and alleged debt is sitting parked on my consumer report affecting my credit score and ability to get approval for loans, credit, cards, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, Experian, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than XXXX years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX XXXX XXXX multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification
Product: Mortgage

Covid-19 effected me and my XXXX XXXX XXXX mother. We were effected physically and financially. I contacted my mortgage company for a modification, and they offered me the Covid relief plan. They gave me the covid relief plan and gave me twelve months mortgage free. I accepted their offer of no payment for twelve months. I received a call a year later demanding over thirty thousand dollars in back payments. I explained to them they never disclosed that this was a deferment of payments and that a balloon payment would be due on all of the rerage payments. They refused to modify the loan and demanded full payment or foreclosure. They have not responded to my QWR or my debt validation. This is another form of predatory lending. This loan is in both my name and my XXXX XXXX XXXX XXXX mother 's. This is also elderly abuse. The assignments that they've created are robo-sign which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving all three ( 3 ) of my credit reports, I noticed an entry from Consumer Portfolio Services , Inc. regarding a car. I disputed the entry as fraud via the three ( 3 ) bureaus and was referred to the company directly. I sent CPS a dispute letter directly dated XXXX XXXX, 2020. I made them aware that I'm a victim of Identity Theft and that I never opened an account with them. I also requested, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, validation ( that is competent evidence bearing my signature ) showing that I have ( or ever had ) some contractual obligation to pay them. CPS responded with a letter dated XXXX XXXX, 2020. The letter stated the information reported to the bureaus was accurate and included an unsigned contract bearing an incorrect address.
Product: Checking or savings account

I currently bank with Chase JP Morgan in XXXX Idaho my branch is off of XXXX XXXX, I used to bank with XXXX  XXXX  and JP Morgan bought out XXXX  XXXX  I had a business account as well as savings account and a personal checking account with XXXX  XXXX. I can not receive any of the old information on the business account which I believe is still open under my own social security number at the calendar on the telephone JP Morgan and Chase are the rudest on telephone company I have ever had to deal with banking. When I asked for a deposit sweep or investment sweep to happen for me they had no one in the office that could do that I had to make an appointment with an officer who would come in to do that with me I brought my paperwork in the gentleman sitting in front of me quite literally never logged on to the computer to do this week and while asking advice on what to do with my investments now he assured me that CDs were not the proper place to put my money I'm not sure how they know what is going on with my name or social security number if they never even log on to the computer in front of them.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Loan opened at at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an loan Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). Inquires from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  inquiry XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  inquiry XXXX XXXX, XXXX XXXX XXXX inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXnquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX. XXXX, 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Product: Debt collection

American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.
Product: Credit reporting or other personal consumer reports

I have submitted a XXXX report showing i waas a victim of XXXX XXXX  to them the last 2 months, they still havent removed the fraudlent accounts. Now my credit score has dropped and now i unable to get housing. They have severly messed up my life. they have broken so many FCRA laws .I gave them over 60 days to remove the items way more time they usually given and they still didnt correct it.
Product: Debt collection

An account was opened in my name with XXXX without my permission. this account was sent to collections and a collection agency called me to collect on a debt I dont owe. {$160.00} was the amount of the balance owe. the collection agency is Sunrise credit services at XXXX. I have contacted the police in regards to the issue as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiring's- credit pulled XXXX XXXX & XXXX, XXXX - shouldn't have pulled my credit 2 times in a week! Also shows inquire for XXXX XXXX, XXXX - I didn't apply for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent information on my credit report. I have contacted them multiple times in order to get this resolved and they have not responded or assisted me with a solution. I had provided them with and FTC report and number to inform them that I was a victim of fraud and they still have fail to comply. Not only are they reporting fraudulent accounts on my credit file but they are also reporting addresses on my credit report that I never lived or was affiliated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any r
eason.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Bank account or service

I did not request or approve to Huntington Bank looking into me for a credit card or auto loan. remove their poor actuation from my credit score.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. After reviewing my credit report, I noticed an inquiry from [ Creditor 's Name ] that I do not recognize and did not authorize. 

Details of the disputed inquiry : Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry XXXX XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ) , I have the right to dispute inaccurate information on my credit report. I did not authorize this inquiry, and I believe it to be either a mistake or a case of identity theft. As such, I kindly request that you investigate this matter and remove the disputed inquiry from my credit report. 

To assist with your investigation, I have enclosed any supporting documentation related to my dispute, including a copy of my credit report showing the inquiry in question. Please notify me in writing once the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX we submitted the complete short sale package to US Bank for review. Sellers sellers had relocation benefit that would go to the deficiency to US Bank totaling XXXX the benefit expires XX/XX/XXXX so we asked for an expedited review and were denied. After several calls US Bank manager said she would request the file be expedited. When I called today I was told it was still with the processor and they were awaiting assignment to a negotiator. Please see the attached letter I have provided describing the entire episode.
Product: Credit reporting or other personal consumer reports

Violated my rights Account XXXX XXXX XXXX XXXX XX/XX/year> {$2800.00} XXXX XXXX XXXX XXXX XX/XX/year> {$1400.00} Capital One XX/XX/year> {$310.00} Capital one auto finance - {$27000.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$5200.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX  XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 XXXXXXXX XXXX has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute the inaccurate & inconsistent information on my credit report which violates the fair credit reporting act below I have detailed discrepancies in Inaccuracies I have identified and request these items be thoroughly investigated I request these items be removed from my credit report for violating the fair credit reporting act. 

Experian XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress seek appropriate for these violations.