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

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}
Product: Vehicle loan or lease

I formally filed for bankruptcy on XX/XX/XXXX, after filing I called multiple times letting Credit acceptance know that I filed bankruptcy. I was then told that they were able to see the bankruptcy and receive notification. They gave me a hard time but eventually stop trying to collect on the XXXX XXXX XXXX in the XXXXXXXX XXXX. I started I wanted to retain the property and redeem it for current property value, which was {$2400.00}. 

I received confirmation from the United States Bankruptcy Court of the Southern District of XXXX that you all were contacted via email about this bankruptcy. An email was sent to XXXX on XX/XX/XXXX at XXXX, which was the day I filed notifying them that I filed XXXX XXXX bankruptcy. Credit Acceptance was contacted again when I had a telephonic meeting to have a representative present on XX/XX/XXXX at XXXXXXXX XXXX and no one showed up. Again, Credit Acceptance was contacted at XXXX on XXXX XXXX XXXX XXXX of the dismissal and agreement. No one reached out to me. Then I received a letter dated for XXXX XXXX, XXXX of repossession.
Product: Mortgage

I decided to refinance my FHA loan with Bank of America to take advantage of the much lower interest rate and to eliminate the PMI. The whole easy process was completed on XX/XX/2015 and everything is fine until recently I found out someone have recorded a grand deed attempting to change the title of my property. A grand deed was submitted a year later in a attempt to change it into a community property. This was all completed without my permission or even having knowledge of it. I'm glad the Assessor 's  office was able to void the transfer when it was submitted to them. Is it normal practice to modify the title of the house during refinancing? I assumed that ownership are left alone as original during refinancing. 
My mortgage account # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My Full Name : XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Ally to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Product: Credit reporting or other personal consumer reports

I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

Im disputing false or inaccurate information on my consumer file report with you, and I want you to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information. This will help make sure you only have my correct information and will make identity theft or mixed file much less likely so thank you for only having the following on me.
Product: Student loan

I've been dealing with this since XXXX. Please help. I have ten loans in default held by PHEAA. I reached out to PHEAA asking about eligibility for XXXX XXXX program. I was told that my loans would be transferred, but they so far have not been. I believe my initial contact with PHEAA was on or about XX/XX/XXXX, and subsequently, on or about XXXX XXXX XXXX I was in touch with PHEAA again on XXXX XXXX XXXX I was told that my loans would be transferred to XXXX, but that, again, I would just have to wait. 

I have contacted D of Ed on XXXX XXXX XXXX XXXX, only to be referred to PHEAA. My last contact with D of Ed on XXXX  is still " under review. '' StudentAid.Gov tells me that I have these loans in default, with balance of ~ {$98000.00}, but both PHEAA and AES don't make the info available to me, though I can see on StudentAid.Gov that interest continues to acdrue. 

I have recently paid off a balance of ~ {$30000.00} with XXXX. 

I am in a position to pay approximately one-half of this balance, and then continue making payments, and have been trying to resolve this since XXXX. Please help.
Product: Mortgage

For several months I have been getting mail from the fhabenefits.info company with JFQ lending on the page, I will recieve about 4-5 every 2 weeks saying the same thing. When I call I am always hassaled with them trying to get me to go with thier sales pitch. I've asked many times to please just stop mailing me. I now have multiple letters stacked up all saying the same thing and dated weeks apart. Please stop this!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called Experian to make them aware that they are incorrectly reporting a Home Equity Line of Credit with Figure Lending I opened in XX/XX/XXXX. I could not get any assistance or resolution talking to their representatives in Membership or Dispute. They are reporting the account like a credit card causing my credit utilization to more than double from 30 % to now 70 %. HELOC 's are loans against the equity of a house and are not to be treated like a credit card in terms of credit reporting. This tremendous increase in my utilization is impacting my credit score, my ability to obtain new credit, and is completely inaccurate in terms of utilization. XXXX has this same loan listed under Mortgage and XXXX XXXX has it listed under Real Estate . 
It is a second mortgage and this is how it should be listed by Experian. Experian is a major credit reporting agency and many potential creditors obtain reports from them to decide whether or not to grant credit. This can negatively impact my quality of life and creditworthiness. Experian needs to fix this immediately. None of the individuals in the membership department could assist me. They transferred me to the dispute department. That department says they can not help me because they only deal with disputes that are the fault of the creditor and in this instance, it is the fault of the credit reporting agency. 
I am now asking CFPB to intervene in this matter please. This violates the Fair Credit Reporting law. This is unbelievable and this type of treatment of American consumers is not acceptable.
Product: Debt collection

On XX/XX/ 2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.
Product: Mortgage

Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls.
Product: Mortgage

This complaint is not resolved there Carrington responded by not to the issue. There is still a problem with the amount of escrow that they have calculated about XXXX. XXXX is not justified please review the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request 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 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 Balance XXXX : {$2900.00} XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXXXXXX XXXXBalance Owed : {$530.00} XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

There has been numerous time sun authorized purchases where disputes had to be made andcard were close dand account was reissued, and a notice of breach of confidentialty was released
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 payment on a credit credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

EVERY weekday they try calling. I have asked at least 10 times for them to stop calling. I have also done this by calling back the number at least 3 times to ask them to stop calling. The calls are from CCS. I have told them I will sue for harassment, and they keep calling! They already mail letters, I don't need phone calls! This has been happening for at least 2 months now and enough is enough.
Product: Consumer Loan

My car payment is due in the XXXX of each month. It is financed with Coastal Credit LLC. Due to my pay schedules, I generally make my car payment around the XXXX of each month. The phone calls I understand as I am technically late. However they have repeatedly sent me unsecured text messages regarding my delinquency and I have asked them to cease contact attempts with me in this fashion. They have recently messaged me on XXXX regarding the delinquency as well. Unfortunately this was seen by several of course workers as I was not in a private location when this was seen. This happened on XXXX/XXXX/2016. I was contacted by XXXX CoastalCredit. Neither method of contact is considered secure and I feel is completely inappropriate.
Product: Credit reporting or other personal consumer reports

I submitted a removal of whats shown on credit report and asked for confirmation of debt and was not provided with anything and debt was not removed from report. Due to Experian breach of information
Product: Mortgage

TO WHOM IT MAY CONCERN, I AM WRITTING TO YOU BECAUSE IM SICK AND TIRED OF RUSHMORE LOAN MANAGEMENT SERVICES. I PLACED MY HOME UNDER A SHORT SALE DUE TO A HARDSHIP THAT IM GOING WITH MY FAMILY.

IT WAS VERY HARD FOR US TO LET THE HOUSE GO SINCE WE HAVE NUMEROUS MEMORIES WITH OUR FAMILY HOWEVER IT WAS TIME TO MOVE ON.

RUSHMORE LOAN MANAGEMENT SERVICES AGREED TO APPROVE THE SHORT SALE SINCE THE PROPERTY WAS ALREADY ON THE MARKET. WE ACCEPTED AN OFFER AND BUYER ORDERED HIS APPRAISAL WHICH IT CAME BACK LESS THAN THE OFFERED AMOUNT.

WE CALLED RUSHMORE LOAN MANAGEMENT SERVICES AND  TOLD THEM THAT BUYERS APPRAISAL WAS LESS THAN THE OFFERED AMOUNT ( XXXX ) CONSIDERING THE ORIGINAL OFFERED AMOUNT CONSIDERING THE BUYERS OFFER WAS {$610000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES SAID THAT THEY WILL STILL CONTINUE TO RE ISSUE THE SHORT SALE APPROVAL AT {$61000.00} EVENTHOUGH THE VALUE CAME LESS OUR JOB WAS TO FIND ANOTHER BUYER WHO WILL OVER PAY ANDFORCE TO PAY THE DIFFERENCE.

MY REALTO HAD NO CHOICE TO PUT THE PROPERTY BACK ON THE MARKETWHICH WE FINALLY FOUND ANOTHER BUYER WHO WAS WILLING TO PAY FOR THE DIFFERNCE FROM THE CURRENT VALUE OF {>= $1,000,000} ( PER APPRAISAL ) TO THE RUSHMORE LOAN MANAGEMENT SERVICES SHORT SALE APPROVAL AMOUNT {$610000.00}. 

NOW THAT WE HAVE A BUYER THAT AGREED TO THOSE TERMS, RUSHMORE LOAN MANAGEMENT SERVICES IS NOW ASKING FOR A HIGHER AMOUNT OF {$620000.00} WHICH TO MY UNDERSTANDING THEY ARE TRYING TO TAKE ADVANTAGE OF THE BUYERS. WHEN RUSHMORE LOAN MANAGEMENT SERVICES ALREADY HAD AGREED TO {$610000.00} TO SELL THE PROPERTY.

I FEEL THIS IS NOT FAIR FOR ME OR MY FAMILY CONSIDERING WE ARE TRYING TO MOVE ON AND RUSHMORE LOAN MANAGEMENT SERVICES IS JUST LOOKING TO TAKE ADVANTAGE OF MY FAMILY AND THE BUYERS. 

PLEASE HELP I DONT KNOW WHAT TO DO CONSIDERING I HAVE DONE EVERYTHING TO MOVE ON. 


XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to experian and other credit companies which has reduced my XXXX XXXX.
Product: Checking or savings account

My bank is refusing to work with me on a transaction in the amount of {$260.00} that I placed onXX/XX/XXXX. I signed up for the dating website XXXX and when I attempted to cancel the same day, the company refused to work with me. Im going to keep fighting this as long as I can. 

The dating service canceled my account a week ago. Theres no way I am going to let this go without a fight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 10 months of no information on my account with  XXXX   XXXX  vehicle loan. Equifax intentionally removed the  ten  months of payment history in an attempt to lower my credit score. Equifax previously did the same thing in    2016  and was only corrected after I filed a complaint with CFPB case number  XXXX . I contacted  XXXX   XXXX  to advise them of this problem and they advised that they would reach out to Equifax. Please see attached email chain. I am having the same problem with Equifax with another vehicle loan I have that is with  XXXX   XXXX . There is  twelve  months of payment history missing from that account. Once again this is a deliberate act to ensure that my score stays low. I work hard to pay my bills and should not be intentionally harassed by Equifax who is suppose to be an independent reporting agency.   XXXX   and  XXXX  have both accounts reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. they have no supplied this information and they must delete the alleged late payments from my credit report. under federal law they have 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) had co-signed for a car with my son ( XXXX XXXX, XXXX ),  can't remember when. 

I was contacted by XXXX XXXX back on XX/XX/XXXX. I agreed that I would start with a down payment of {$470.00} on XX/XX/XXXX, leaving XXXX payments of {$89.00} bi-weekly starting on XX/XX/XXXX until XX/XX/XXXX. You will notice that check numbers starting with XXXX for {$470.00} and then after started with check number XXXX for {$89.00} on XX/XX/XXXX until it continued XX/XX/XXXX with check XXXX. I started paying on my own XX/XX/XXXX until XX/XX/XXXX In XX/XX/XXXX my son still had on his credit report the vehicle with Capital One, so he filed for bankruptcy. Once Capital One was notified, XXXX XXXX stop taking direct payments out of my checking account. I did contact them and was told that Capital One took back the account that I had agreed to pay on and told me contact them. I call Capital One and was told I had to start over with new payments cause my agreement was no longer valid. 

I contacted my son lawyer and was told his bankruptcy had nothing to do with me and I should continue paying on my agreement. I explained they had stop taking the payment and he informed me send a check and I continued until the last payment on XX/XX/XXXX. 

I was trying to finance a vehicle and was told that Capital One is that high credit or limit is {$32000.00}. 

I have paid on my agreement and now they want me to pay more money, not fair. 

XXXX XXXX
Product: Credit reporting

During the 2009 - tax year - The Internal Revenue Service file a lien - However the filling of the lien was an error by the IRS officer - to make matters worse the IRS office let our case pending without proper resolution - The IRS office left the IRS for different position Now I have record of lien being filed for the last 5 years without being moved from my credit report - First : We did paid our taxes on time Second : Since the lien was filled it was never removed from our credit report it has affected my personal credit for that last 6 years - I have contacted the credit agencies with no luck - I would like this negative credit reporting to be removed from our record
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of Equifax data breech, and XXXX XXXX 's data breech. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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 Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I opened this account on XX/XX/2023 with a {$500.00} bonus promo offer. On XX/XX/2023 I confirmed via online chat that I had met the requirements for the promotion and that I would receive the {$500.00} bonus in my checking account by XX/XX/2023. I have still not received the welcome offer. The bank has been stonewalling me on why I have not received the bonus yet and they hang up on me when I call and I have had enough of their games. This is extremely unprofessional. I expect to receive the {$500.00} bonus immediately. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to USC 15 1681b you must accurately report on my credit report at all times.

This fraudulent account was allegedly charged off on the following date. Since then, this fraudulent account has repeatedly been updated as charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This is not only fraudulent but also inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN : XXXXXXXX XXXX : Account number : XXXX XXXX : XXXX XXXX : Account number : XXXX XXXX : XXXX XXXX : Account number : XXXX
Product: Credit card or prepaid card

I applied and was approved a Chase Sapphire Preferred credit card on XX/XX/XXXX. On XX/XX/XXXX, I was billed an annual fee of {$95.00}. As of today XX/XX/XXXX, I still have not received the card from Chase in the mail, and therefore can not activate the card to use any of the benefits associated with the card. I notified Chase in early XXXX that I never receive the card and asked the annual fee charge to be postponed by one month. My request was denied twice because " This fee ensures you receive all the benefits that come with your card and is non-refundable as long as your account is open, '' quoting from the reply I received from Chase. 

I found Chase practice to be unfair and deceptive. First, I could not use any of the benefits for the month of XXXX because I never receive the card to activate. How could I have used any of its benefits while I don't have the card and the card is not activated? The account can be open from Chase 's view, but it is not open from the consumer 's point of view because it can not be utilized. Second, while other card issuers used express mail carrier or sent tracking information, Chase did neither in sending out the card after approval. This makes it very difficult for me to determine when I should expect the card or it has been lost.