23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our servicer, Select Portfolio Servicing in Utah, has requested require documents in order to negotiate a loan modification with the borrower. The borrower had received a completion notice from XXXX in XX/XX/XXXX, saying within one month, the examination will be notified to the borrower. The notification to this effect has never been received thus far, whereas Required Information Notice has been numerously received by the borrower. SPS has been repeatedly extending the expiration date for submission of Required Information, and the latest notification said the date has been set for XX/XX/XXXX. However, the borrower has recently been receiving numerous solicitation letters from attorneys at law and other private companies that are offering legal assistance regarding violation of " Dual Tracking '' and " Single Point of Contact '' because they insisted public notice has it that non-judicial trust sale date has been set for XX/XX/XXXX. The borrower has not received the Notice of Sale from Select portfolio servicing yet XXXX has listed the property to be auctioned off on XX/XX/XXXX. XXXX XXXX, Consumer Ombudsman Specialist at SPS wrote to the borrower with its carbon copy of XX/XX/XXXX addressed to CALIFORNIA ATTORNEY GENERAL 'S OFFICE, saying " Please keep in mind that each time documents are received an Acknowledgement Letter will be sent out. Once the processor has reviewed the documents another letter will be mailed out advising of documents that are needed or advising that we have a complete packet. '' See the last paragraph of the XXXX page of the said letter by XXXX XXXX as per attached hereto. Since XX/XX/XXXX, the borrower has submitted information numerously all along, but the said Acknowledgement Letter has never been received. The borrower has received Required Information Notices with pre-printed boilerplate letters containing all-encompassing documents. The borrower has never been able to speak to the so-called XXXX relationship managers, XXXX XXXX, and XXXX XXXX, as a single point of contact, but more than a XXXX different people from SPS called the borrower, asking redundantly for already-submitted documents and information. The borrower finally gave up on talking to them on the phone and SPS notified the borrower stating they will terminate any verbal communication with borrower yet SPS calls numerous times without leaving voice mail.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XX/XX/2024. 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 Section 2 it also states that a consumer can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX XXXX XXXX services. My identity was stolen and I have made XXXX XXXX XXXX XXXX services that my identity was stolen and that the charges made on my account are not me and therefore needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX have 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

In accordance with the Fair Credit Reporting act. 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 Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

I have contacted several times the Credit Bureaus XXXX XXXX, and Equifax asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, Equifax {$1000.00}, XXXX  {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. Equifax, XXXX, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. I request them to remove it from my credit report immediately. I also Filed a Identity Theft Report Thank you, Look forward for your response.
Product: Debt collection

I have received calls on my cellphone during work hours. I have verbally told them that I can not receive calls during business hours. I have told them 6 times. I went on their website and sent a message that they may not call me during business hours ( XXXX ). They have recently starting calling my office. When I logged on to submit a forbearance and/or deferment, I changed the settings showing my office number. Today, XXXX/XXXX/XXXX, they called again. I called them back. I was transferred to a " specialist ''. I informed this lady that I have filled out the Income Based Repayment documents. She had me listen to a recorded message and stated that she had updated my file ( s ) and the calls would stop. She did warn me that they would start up again on or about XXXX/XXXX/XXXX if I have n't submitted the documents. Fast forward 3.5 hours, another call at my office.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit card

i purchased an item on amazon, it was a XXXX XXXX that charged to my amazon synchrony card {$680.00}. when i received this item it was used and NOT the item i ordered, so i sent it back. they got my item and are now claiming i somehow sent back the wrong thing, however i sent them the same item in the same box and packaging it came in. they are refusing to give me a refund and i purchased this item back on XXXX XXXX ive been in contact with both the amazon synchrony card company and amazon customer service and no one is able to help me get this resolved. meanwhile my credit is getting worse.
Product: Money transfer, virtual currency, or money service

I have an account at BlockFi. 
I have an ACH withdraw that has been in a status of Pending for far beyond the agreed upon period. 

Once in a status of pending to my understanding those funds are officially mine and no longer in their property. Ilthey should not be used to satisfy secured creditors should bankruptcy come.
Product: Credit card or prepaid card

XX/XX/2022 wanted to redeem points ( over 9000 ) for 1 % in cash and switch to different type of card ( same exact account number just better rewards ) this should have been a check issues for over 90 $ reciecved check for {$57.00} called and they said they would send a letter about it and the letter stated that they are unable to reverse redemtions and are final i dont want it to be reversed i want the 1 % that was promised by card and the person doing the transaction on XX/XX/XXXX before switching the card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX patient tired of the mismanagement of my Care Credit account, this company refuses to take responsibility for inaccurate information on my credit report also conflicting issues under covid-19 US mandate of reporting, sneaky tactics reducing my credit then misleading to me too closing my account the. Please refer to pending civil case Dermer v. PayPal Credit et al. 
FILED : XX/XX/XXXX XXXX ( document uploaded ) I had the issue in XXXX XXXX XXXX I dissatisfied with the services for dental work still had to go back twice I still was billed for the services, after filing dispute which they ruled in the dentist favor when it shouldn't have. I have never been late on my any of my payments. Now I'm having accounting issues with this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX-Balance {$14000.00} XXXX XXXX-Balance {$1300.00}
Product: Money transfer, virtual currency, or money service

I need all money that was reported to be refunded.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XX/XX/XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XX/XX/year>XX/XX/XXXXXX/XX/year>
Product: Credit reporting

I disputed the referenced accounts above on XX/XX/2017 and XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the date of XX/XX/XXXX - XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the dates of XX/XX/XXXX-XX/XX/2017. As of XX/XX/2017, Equifax now shows the items have been reinserted on my credit report on credit file confirmation # XXXX Therefore, I need your assistance in having Equifax remove the negative item due to violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions also codes 15 U.S. Code 1666b,15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), 15 USC 6802B these late payments need to be changed to paid on time never late and deleted and accounts removed immediately and {$1000.00} per violation done equaling to {$7000.00} check mailed to my address per UCC & USC laws
Product: Credit card or prepaid card

I have submitted all documentation as asked to Synchrony bank in regards to my XXXX benefits and they will have not applied them to any of my accounts.
Product: Credit card or prepaid card

CITI Sears card ran offer of 15 % back on gas stations, grocery stores and restaurants up to maximum of {$90.00} for XXXX, XXXX and XXXX. I received the credits for XXXX and XXXX but not XXXX, despite receiving an email on XXXX XXXX stating I had accrued XXXX as of that date for the month of XXXX, yet I never received any of that credit which, by my own statement records would have been {$90.00} by the end of XXXX. Furthermore I called 3 times to resolve this and was treated with disrespect. The first manager said he would resolve it in 5-7 days and 3 weeks later still no credit. I called again and again explained the situation to the manager at which point with no warning he put me on hold where I waited for 30 minutes before giving up. This was rude and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, This debt has been settled and paid multiple times. However XXXX XXXX  XXXX  XXXX continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Vehicle loan or lease

Account was closed and GAP claim was cancelled now my account is back open and no one can give me an answer as to why. 
My car was totaled on XX/XX/XXXX the insurance company overnight a check on XX/XX/XXXX. After waiting several days the check could not be found so I had the insurance company call and Santander said the check went to the wrong address and to wait they'll get the check eventually. I had the insurance company void the check and overnight another check on XX/XX/XXXX. That check was received and the amount posted to my account was short by almost {$700.00}. I spoke with several people and finally the account was reviewed and corrected on XX/XX/XXXX. My account was closed on XX/XX/XXXX and then back open on XX/XX/XXXX with a new balance. And every time I call I get a different answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Student loan

during my divorced i had to go into bankruptcy -- -- during 5 years in bankruptcy protection -- - XXXX dollar school loan accrued XXXX dollars in interest for a total of XXXX dollars -- is this leagle?
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate trade lines was removed in error and upon explaining to Transunion. I was advise Credit report agency was unable to re-report due to companies policy on an authorized user account. In addition, because of the incorrect reporting error it has now impacted my consumer report and is not reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through Transunion 's dispute system I recently filed a dispute stating that someone with a similar name had filed a bankruptcy and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I asked that Transunion remove the bankruptcy immediately as there is no way they can legitimately verify the information. A screenshot of the email from the U.S. Bankruptcy Court, XXXX XXXX of Indiana, is enclosed proving they do not communicate with credit bureaus or third parties, and that personally identifying information is not available.
Product: Debt collection

Good Morning CFPB, I recently received a collection on a debt that I do not owe, I am a current XXXX customer, and the company recently reported a collection on an account that is still active this month. I called numerous times and spoke to multiple managers, and yet my account has been unresolved. I recently settled the debt due to a business move that I am trying to get done in 2022, and having this negative mark on my credit profoundly impacts my business growth and activities. I am a small business owner, and this small debt of {$150.00} on a collection I had no idea I owed. This debt impacts my business tremendously.