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

I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX ( results enclosed ). 
Re : disputed items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send the following information used to verify the validity of the above mentioned items in dispute here 1.The name of the original creditor 2.The creditors address and telephone number 3.The person 's name they verified the dispute with 4.The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completene and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolute Resolutions ( Debt Collector ) has a collection on my credit reports that I paid {$2700.00} to settle the debt. They marked it as paid but did not remove the collection as agreed once payment was made.

I paid as agreed and they didn't keep their end of the deal by removing the collection.

The original collection is at the 7 year threshold and should have been removed.

This is harming my credit rating. Please advise. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to TransUnion about having XXXX Bankruptcy on my file. They said that they would remove it. Its not showing on any of my other bureaus. Once I did that I automatically got a point reduction that lowered my credit. Looking at my credit file compared to others that are quite the same, my score with them and the other bureaus are low. Im praying that this is not a color factor because others with the same credit as mine have much higher scores.
Product: Mortgage

I received tens of phone calls daily. 
I received threats of foreclosure on my home if ever a payment was late, despite my payments being made. 
I was told by employees of Green Tree Servicing to " borrow the money '' when I was unable to make payments due to financial hardship. 
When I did not answer my phone, Green Tree Servicing employees called all of my neighbors and told them to leave notes on my door. 
My neighbors and I were called on public holidays including XXXX. 
I was called at inappropriate times through out the morning and evening. 
I actually had to disconnect my land line due to harassment by Green Tree Servicing. 
I was refused options and assistance when I requested that my due date for my payments be changed to when I was receiving a pay check ( the last week of the month ). 
I was harassed at my place of employment to the extent that my boss told Green Tree Servicing and myself that if it continued I would lose my job. 
I wrote a letter requesting that Green Tree Servicing cease all contact except by mail and they continued to harass me via my neighbor, XXXX XXXX and call her phone tens of times daily. 
I received a letter in the mail stating that I owed them over {$4000.00} right then and there or legal actions would pursue in XXXX of 2014 for no apparent reason. I had been making my payments consistently for years. When I called to ask why I still owed money, I was given a vague and insufficient explanation and told that I still had to make payments otherwise I would be taken to court. 
I was told that my account had been charged off for a payment being over 180 days late, but I have made all except one payment and the one I missed was well over six years ago and I contacted them and after hours of harassment was told that it would be " tacked on to the end of my loan ''. 
I was informed that because some payments were late years ago, that my interest changed and that I was then only paying on interest, which does not seem right to me. 
I have requested a written explanation of the fees that are owed and the total amount that I have payed Green Tree Servicing on several occasions to XXXX XXXX XXXX? ) and was refused every time. 
I was refused any receipts of payments since XXXX of 2014 by XXXX XXXX XXXX? ). 
I was refused a bill since XXXX of 2014 by Green Tree Servicing, but if I stop paying them I receive a letter saying they will pursue legal action. 
When I called and talked to XXXX in XXXX 2014 to demand an explanation, I was told that it would be written down as a refusal to pay despite the fact that I was saying I would pay I just wanted to know what and why I was paying, threatened with court and hung up on. 
My account states online that it is closed in XXXX 2014 and when I asked for an explanation of why I am still having to pay, why I do n't receive a bill and why I do n't get a receipt for my payments I am belittled followed by insufficient and vague answers.
Product: Checking or savings account

I have a restraining order for life under XXXX XXXX XXXX as well as XXXX XXXX I was granted {$250000.00} from Superior Court in XXXX XXXX XXXX XXXX had on the company XXXX XXXX XXXX and work for XXXX XXXX they stole my social security from Wells Fargo Bank in XXXX XXXX California the senior manager gave my lean to her daughter XXXX XXXX XXXX XXXX then I was granted a settlement of {$1.00} XXXX dollars from XXXX the senior manager at Wells Fargo Bank walks my check down the street to XXXX XXXX XXXXXXXX in XXXX XXXX and give it to XXXX XXXX XXXX manager XXXX who works for XXXX
Product: Vehicle loan or lease

XX/XX/year> Consumer Loan closed with United Community Bank, XXXX XXXX, Georgia. I gave the signed title from the vehicle seller. The bank provided me a copy of the title in my loan docs. I Paid {$18.00}. on that date for Title registration fee. I have been prohibited from using my vehicle because the bank never processed the title. I had checked with my local Tax office weekly though XXXX and XXXX expecting to be entitled to pay additional taxes and register my vehicle. But after several unanswered and voicemails calls into the branch that I closed the loan, the bank called asking if I had the title. I explained that the bank kept the original to process. That is when I discovered they lost my title. They have exhausted very little effort to help resolve this issue. I have taken the responsibility to contact the previous owner and begin the process of starting over by then contacting his former lien holder and obtaining a release of his lien. I cant work, shop, visit, or anything with the vehicle I purchased and have made every payment on time. I'm now on social security and my income has reduced greatly. I need to be able to drive!
Product: Mortgage

I recently found out that my mortgage loan was bought by XXXX by mr cooper ( Nationstar ). Who has quite the track record i found out through this entire ordeal. About a month before my homeowners insurance was due i reached out through their electronic system requesting that they pay my home owners insurance as i was getting notifications that the due date was approaching. A few days later i received a message about how it would be taken care of. Around a week after the due date i get an email notifying me how the company did not pay my insurance premium and how i was in danger of loosing my homeowners. After spending hours upon hours on their phone system i was able to submit proof of my insurance, which is doesnt make sense because the last two companys that bought my loan never needed or requested that information. As far as i know you cant have a mortgage unless they have the home owners information on file. Ive found several hundred reviews that this company uses this tactic to get you off your insurance so they can stick you with their more expensive less coverage homeowners insurance, which should be illegal. So far my policy has been closed. The insurance people say they still have yet to receive any kind of payment even though mr cooper swears that the payment was sent out. And now im responsible for any fees, charges regarding lapse of coverage, etc.. Plus i recently had a homeowners claim approved that im scrambling with because the nature of the whole issue does not look good in general.
Product: Credit card

I have a credit card with First Progress Card for more than 2 years, a few weeks ago they called to inform that for security reasons my card was cancelled and no more information was granted, after waiting for 2 weeks ( because they do n't have a rush process like most of the credit Cards ) I received my new card. 
For my surprise they cancel my online account where I had all my previous statements, I called customer services where I was advised that all my data were erased, I spoke to the supervise who confirmed all my data was erased. 
I wrote a letter to First Progress Card asking for my previous statements, because I understand that since they decided to stop sending paper statements they should provide me online access to my statements. 
I have no answer for my letter yet. 
I need my statements in order to find some medical expenses to file my tax return.
Product: Mortgage

My wife and I applied for a refinance on our mortgage loan with LoanDepot.com.LLC in XXXX XXXX, CA XXXX. After months of waiting for an approval they came back and denied the loan. We were to receive a written response mailed within 3 weeks and still after 2 months we have not received the written letter. This company seem to be NOT very reliable or trustworthy. After giving them all of our sensitive information they come back with a denial and will not send any reason why. I sent them a neg. survey and they do not respond. Both my wife and I have a credit score of over XXXX but the loan was not approved. It appears that this company is a scammer ... .client beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

JPMCB CARD at JPMCB CARD XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of ( {$11000.00} ) 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. 
The collection agencies in question have not removed the accounts from my credit report yet rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't. 

Also please removed hard inquiries on my credit report Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Product: Credit reporting or other personal consumer reports

I ask for proof of debt also XXXX form no response and none of these accounts have been removed aster being disputed It has been 45 days or more since this ask been asked
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from Synchrony. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing this letter to request removal of closed / charge off accounts and unauthorized credit inquires on my XXXX credit report. My latest credit report shows several credit inquires that I did not authorize 15 USC 1681B Permissible Purpose Of Consumer Reports. I have made a complaint to the CFPB about this matter as well as procedure to resolve. 

I am writing to dispute the following miscellaneous inquires / closed accounts and requesting their immediate removal from my XXXX XXXX XXXX Experian credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX Delete this account because you are inaccurately reporting ( I ATTACHED MY CREDIT REPORT ) XXXX - Delete this account because you are inaccurately reporting ( I ATTACHED MY CREDIT REPORT ) You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

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

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) This account was opened in my name, I have no idea how. I have never been to Missouri in my life I live In Georgia. My identity was obviously stolen. please help in any way you can. I am entitled to my information being reported fairly and accurately according to the fair credit reporting act. please correct this.
Product: Debt collection

Started : XXXX XXXX  Today : Date : XX/XX/XXXXXXXX  Re : XXXX XXXX ( SS # ) My name is XXXX XXXX. I currently receive mail at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In XXXX  I moved to XXXX Ga for 5 years. National Credit Systems has a outstanding balance of {$5200.00} with XXXX  at XXXX. I am listed as a guarantor for XXXX XXXX. I spoke with XXXX XXXX XXXX  after my application was denied for a rental property ( XX/XX/XXXXXXXX  ) due to this debt., XXXX XXXX XXXX she did not use my Identification to obtain residency at the XXXX  on XXXX. XXXX claims she used her mom XXXX XXXX information to obtain residency. I have also contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX with National Credit Systems concerning this balance. I asked XXXX ( ext XXXX ) for more information or seek a settlement for the debtor ( XX/XX/XXXX ). XXXX claims she reached out to the debtor. XXXX is the company in charge of XXXX on XXXX. I contacted XXXX on XXXX Account recovery manager XXXX @ XXXX XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX ( XXXX ) returned my call. XXXX XXXX ( account recovery manager ) states XXXX does not have any collection on my name or records. I reached out to XXXX a 3rd time and she stated that XXXX contacted them via email confirming they don't hold any debts pertaining to my name. XXXX claims she is reaching out to the debtor to resolve my concerns ( would get back with me its been over 3 months ). However, XXXX ext XXXX has not returned my call concerning moving forward with information from the debtor. XXXX has not succeeded in helping me move forward, XXXX will not give me any information who hold the outstanding housing debt account, or who she reaching out to help resolve my concerns. I need help getting this resolved. I have tried to dispute this outstanding housing debt to establish residency for my family. We are currently homeless. Please help! I have explained my concerns to XXXX XXXX with National Credit Systems at Ext XXXX, however she has not been helpful at ALL! Today XXXX XXXX, XXXX, I called XXXX XXXX XXXX to see if she has heard back from the debtor and she says that she can not release me any information but will contact me soon as she does. One hour later XXXX calls me back and says she called back by accident. This is very upsetting because my lively hood is being held in the balance while XXXX XXXX seems to enjoy keeping me in XXXX, only demanding {$5200.00}. I asked XXXX if I can make a payment of {$50.00} until in can get This case in a court room to clear my name ) she replied thats such a small amount on such an outstanding debt! She will not accept a payment or an arrangement under {$3000.00}.
Product: Checking or savings account

Truest claims the US treasury check I received from FEMA to be fraud even after I provided all documents to support it. They are now refusing to give the check back or disperse the funds even though the check has been cleared.
Product: Mortgage

My mortgage company Axos Bank ( XXXX XXXX XXXX XXXX  is not providing monthly statements, as of right now, their website only shows statements up to XXXX 2021, and today is XXXX, 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  Data Breach/ Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over
Product: Debt collection

After discovering the status of this collection for {$18000.00} again with regional acceptance recovery team. The company pulled the date back from the collection agency in XXXX per the collection agency. I was not notified to give me no update. The company is still trying to collect on a charge off and has failed to steal update and report illegal voluntarily repo car on the interest-bearing loan to collect and keep me in debt, causing hardships to my life as a XXXX person. I have made numerous attempts to contact the Recovery Dept only getting voicemails and the runaround about the status of this collection. I have felt with the CFPB3 times to ask this company be investigated for the result of this death in collection written off that needs to be investigated. The company keeps sending a letter heads trying to show accuracy of a collection. They are refusing to communicate on and accurately update with volunteer information on the status in timeline of how this collection was handled. I am asking again to CFPB thoroughly investigate all employees and departments regarding this collection from XXXX to XXXX. I attempted to reach out to the corporate office in CEO no response I have continue to call all collection agency to have documented. No evidence of the collection in the office anymore. I have continuously call regional acceptance, Recovery Dept Ill need to get thrown around on the status of this I have also notified FDICN, the chief financial legislation, and now the state Attorney General office to have this matter reviewed.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed an account that I do not recognize.
Product: Debt collection

Forward Movement has made numerous calls to myself and family members who were never listed on file with my original creditor. This is in violation of the FDCPA.. Forward Movement refuses to send any documentation or verification letters to me as requested. This is in violation of the FDCPA.. Representatives have been abusive and have harassed me. This is in violation of the FDCPA. 

Forward Movement also uses ghost numbers and a robocaller to make contact, which is illegal as I have never consented to receiving robo-calls from Forward Movement.
Product: Debt collection

I have been told different amounts of what my pay off has been. When I called to make a payment around XX/XX/XXXX, I was told my payment would be approximately {$230.00}. I agreed to this payment but when I checked my bank statement {$270.00} was deducted. I called and asked for records of my full payment history but was told this could not be provided to me unless it is for business purposes such as gap insurance. The company does not have an online portal or mobile app. I would like to see records that show what my payments have been to date but it seems I am not allowed to have access to this.
Product: Debt collection

According to XXXX, on or about XX/XX/2018 the collections account was deleted off my credit report. Shortly thereafter, the collections account was added back by the creditors. I've asked them to again remove the account from my credit report again. Please have them permanently remove this account from each of my credit bureau 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act GM Financial # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I wanted to transfer {$5000.00} from my husband 's credit card account to my own. Through XXXX XXXX, I applied for a BankAmericard 0 % card and requested a balance transfer. I was declined. I 'm pretty sure I received an Adverse Action notice in the mail. I applied for a different 0 % card and transferred {$5000.00} to my name. 

To my surprise, I subsequently received a BankAmericard in the mail. I cut up the card but decided to keep the account open to help my credit score. To my greater surprise, I then found that BoA had completed a {$5000.00} balance transfer. So instead of the $ XXXX that I intended to transfer to my name, I transferred {$5000.00} to XXXX, and then BoA - having declined my application - transferred another {$5000.00}, for a total of {$10000.00}. This was not my intent and may have a negative effect on my credit score. 

When BoA called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.
Product: Checking or savings account

I have been charge overdraft fees for years sometimes they would make a overdraft by waiting before they take the money out of my account