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

I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including Credit Control Services. I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX failed to remove the disputes I had on collections and hard Inquires on my report in results violating 15 usc law 1681n
Product: Mortgage

My home has been foreclosed upon and we have exhausted all appeal remedies ( even though the appellate court had to rule against itself in denying my appeal ). However, I have also been asked to participate in the Servicer 's Home Retention Program. The Servicer is Select Portfolio Services , Inc. They accepted my application in the program awhile back, and numerous stays, all at only 45 days each, from selling my property, have been granted by the court. However, since there have been so many of these, the Court required that a hearing take place to stay the next sale, set for XXXX XXXX, 2017 -- a week from tomorrow. 
I received a decision letter from SPS ' home retention program, where they denied working with me to retain my home, but will allow me to short-sell it for an amount far less than they say I owe with all the fees and attorney charges added on. I have offered them an amount roughly {$50000.00} above what they will accept on a short-sell, but they refuse to work with me. However, I do have thirty days from their decision date ( XXXX XXXX ) to appeal their decision and seek explanations as to why they will not approve me for some sort of repayment plan. The denial letter is attached, and interestingly enough, since this is a rental property I own, the Tier 2 program was of great interest to me. Their reason, shown on page XXXX of the denial letter, for not being able to offer me the Tier 2 program was that I have " not missed two or more mortgage payments. '' If that 's the case, as they state in writing, why then will they not just start accepting payments from me? 
We assumed since it would be in violation of RESPA laws for my property to be sold while I still have an appeal in the works, the judge would grant our motion to stay today. She did not. We are now looking into options to appeal her decision to district court or wherever, to keep them from selling my home while I still have an opportunity to appeal and perhaps retain the home by reasonable negotiations. 
I have attached below the copy of the affidavit we submitted with the motion to stay that resulted in today 's hearing. If you read through that, you can see all the ways in which I have been jerked around by SPS, and I have several prior complaints from their telling me they were refusing to follow the law and stay previous sales ( that we 've managed to get stayed up until now ). I need your intervention to compel SPS ( who showed up at the hearing today and opposed my request for a stay ) to follow the law, and for THEM to request that the judge recant her decision of today so that SPS will not be in a situation of dual-tracking me.
Product: Student loan

Have been paying back this XXXX loan for XXXX years. Loan amortized in XXXX XXXX XXXX. Due to changes in the interest rate, slowly and over a period of months/years, I am once again paying more towards interest each month and less towards the principal. This is predatory and clearly designed to ensure that I will never be able to pay this loan off. Based on my calculations, I have paid {$38000.00} since XXXX XXXX XXXX, which is {$13000.00} more than the original loan amount of {$25000.00} .... I've paid nearly 150 % of the loan. I understand that this loan is a variable interest rate, which can change over time and it's not locked in. My issue is that my " current loan balance '' is XXXX, which is not even {$1000.00} less than the original amount despite having paid on it for more than a decade and paying out well over the original loan amount. This is preposterous and predatory lending.
Product: Debt collection

This company has contacted my family, my job, and me after they were given a cease letter over a month ago. Also, I have been working with an attorney to file bankruptcy after my divorce and they were notified if this. They have been bothering people I know to give them information as to where I work, etc.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
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 XX/XX/2023
Product: Checking or savings account

From XX/XX/year>- XX/XX/year> my Navy Federal account was hacked into and used to move and transfer funds I had no idea about or access too. I called the bank and they could never tell me where the funds came from. They only accused me of doing so after I repeatedly told them and showed them that I had to reset my account info multiple times and it was still be hacked. They informed me that I had to pay back money that I never used and then later they closed my entire account without notifying me.
Product: Credit card

I got a car rental reservations that they charged my card back in XXXX for {$170.00}. I cancel the reservation and company agreed to charge a {$50.00} cancelation fee. They gave me a credit in XXXX for {$120.00} and then they rebill the same {$120.00} amount in XXXX instead rebill for {$50.00}. I call my credit card company and they stated they cant do anything because the company already gave me a credit in XXXX. I'm explaining that they rebilled the same amount instead the {$50.00}. The lady said cant do anything. I asked to talked to a supervisor and after placing in hold for minutes told me no one available. I'm telling her they need to give me credit for the {$73.00}, she didn't want to listen of what i Have to say. Someone needs to resolve this issue.
Product: Mortgage

My ex-husband ( XXXX ) and I took out a mortgage on our home in 1989 with XXXX. The mortgage still remains on the property. I have been trying to track down who the mortgagee is now. I have been unable to locate it. The Registry of Deeds still lists The XXXX as the mortgagee and there are no subsequent assignments. However, XXXX is no longer in existence. It is my understanding that XXXX was succeeded by the XXXX XXXX XXXX then XXXX XXXX and eventually Bank of America. I have reached out to Bank of America and they claim to have no record of the mortgagee. I would like to find the current holder of this mortgage.
Product: Credit reporting or other personal consumer reports

In XXXX, I opened an account with XXXX XXXX XXXX XXXX, which eventually closed due to me being overdrafted. In XXXX, XXXX XXXX XXXX XXXX began reporting the closed account debt on my Chexsystems, however, when I called XXXX XXXX XXXX XXXX in XXXX to rectify the debt, I was told it was no longer owed. On XX/XX/XXXX, I went to a credit union and attempted open a bank account only to be told that XXXX XXXX XXXX XXXX ( which is now apart of XXXX XXXX  as apart of an acquisition ) is now reporting that I owed them a debt and was denied opening an account at the credit union. 

It took several attempts of research to locate a way to pay XXXX XXXX XXXX XXXX as they are now defunct. I went into a XXXX XXXX  in person and inquired how to pay the debt for their partner company and I was instructed to pay the debt there at the XXXX XXXX, which I did. 

I have continued to try to reach XXXX XXXX XXXX XXXX to get a letter confirming the debt was satisfied and to remove the debt from ChexSystems and any other reporting agencies, but their company has difficult customer service and it has been impossible to get further assistance.
Product: Credit reporting or other personal consumer reports

I acknowledge the effort taken to remove some items from my file linked to suspected fraudulent activity, yet there remain entries requiring deletion. According to FCRA Section 605, any items identified in an FTC report must be removed. I reference an earlier report with FTC Report # XXXX and bring to your attention a subsequent report, FTC Report # XXXX, which also lists these issues. My legal counsel is informed of my actions and is prepared to address any deliberate non-compliance on your part. 
For XXXX : Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion : XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. Please be advised that there is a four-business-day deadline to eliminate any items from my credit file that are the result of alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any automated verification methods.
Product: Debt collection

Hunter Warfiled, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I fell behind in payments because of my financial situation with my family. I have gotten to a better place and tried to setup payments to bring my account current and also requested ti move my date yo mid month because of the timing of it being due causing further issues. Exeter finance told me that SCRA means nothing and they put my vehicle on the repo list and when it told them they can not repossess my car without a court order I was ignored. Im locked out of my account to make payments and they wont accept a payment arrangement for the total due to bring my account current. I have been dealing with this companys lies and harassment since I signed the contract. They are ripping people off and I truly want to get out of this contract or have it picked up with someone else.
Product: Debt collection

VALIDATION AND CEASE AND DESIST XX/XX/year> Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Dear Sunrise Credit services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other CollectoXXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 

With Regards I am, XXXX XXXX
Product: Mortgage

I am requesting your assistance with Lender, Carrington Mortgage Services. At the present time they are proceeding to move forward with a sheriff sale when the borrower and realtor has submitted all required documents upon learning what was required. The documents were submitted and acknowledged received by XXXX, a represented of Carrington Mortgage. The documents were confirmed on XXXX XXXX, 2016. I was told that the file was waiting to be assigned to negotiator AND the negotiator would call with the formal introduction. After not receiving a call and/or email, another call was placed XXXX only to learn that on XXXX Carrington denied due process of the short sale because there was not enough time to review and they were proceeding to foreclosure. I requested a postponement of the sale but this was denied by XXXX. She also, denied a short sale review after the foreclosure sale date citing that unless a full payoff was received during the redemption period thru their attorney, no further communications would be had. I believe that this is unjust with their refusal to fully review the file - especially since the hardship began with the death of the primary borrower on the loan. The death certificate and all documents were received by Carrington months ago with an appeal for a modification due to long term hardship - which was denied without a written document ever received.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552 Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC 20580 Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by Displaying incorrect information, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of 2024. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

XXXX failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXX XXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Re : Dispute of Personal Information Dear XXXX, XXXX, transunion I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly. 
The disputed information is as follows : XXXX. [ Specific Inaccuracy ] : Wrong Address Describe the incorrect information in detail XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. 
XXXX. [ Additional Inaccuracies, if applicable ] : Any other address the only address i reside XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX any other discrepancies youve noticed. 
I kindly request that you take the following actions : XXXX. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources. 
Provide me with evidence supporting the validity of the reported data. 
XXXX. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details. 
XXXX. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days of receiving this dispute letter. 
Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Product: Credit card or prepaid card

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and XXXXhe case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with US BANK with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Product: Mortgage

On XX/XX/2018 I sent my mortgage holder, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal and additional principal. On XX/XX/2018 the check cleared my bank but was never credited to my account. XXXX said they did not receive a check in the amount of {$4000.00}. The back of the check was stamped with " CR PAYEE ACCT XXXX XXXX XXXX BANK OF AMERICA ''. I understand this means it was credited to XXXX XXXX XXXX  account with lack of endorsement. I submitted a complaint to XXXX and their answer is they did not receive the check and the endorsement on the back is not XXXX. XXXX claims they contacted Bank of America and were advised that the funds were submitted to a valid lockbox, but not XXXX XXXX lockbox. Therefore, they are unable to transfer the funds to XXXX. Bank of America also indicated that I will need to file a fraud claim to be reimbursed tor the funds. 
I want to know ; 1. Why Bank of America cashed the check with no endorsement?

2. Why was the funds transferred to a " lockbox '' that the payee or payer can not access?

3. Why was the payer or payee not contacted?

4. How did the check get to Bank of America when it was sent to XXXX? 
5. Why do I need to file a fraud complaint? Has Bank of America committed an illegal act?
Product: Debt collection

I had contacted the company previously XX/XX/year>, worked out deal of XXXX in XXXX payments. I called today trying to negotiate one time pay of XXXX and the representative offered XXXX. I explained previous offer and rep said there was no such offer. I asked to speak with mgr repeatedly until they transferred me to XXXX. I explained now I feel company is trying to scam me by lying about previous convo. XXXX confirmed amount and I explained I wasnt able to pay them right then bc of another acct being placed with attorney. So was unable to resolve like I had planned. He insinuated account would be subjected to a lawsuit as well if I didnt pay. Again offered XXXX. He then stated XXXX was best offer. I feel this company is out for their personal gain and trying to scare me into paying with threat of lawsuit and such a higher amt. its extremely upsetting. I asked for validation of the debt and they would not agree to send it until I asked repeatedly i feel the information that was provided over the phone to me was inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I simply can not use my prepaid amex gift card anywhere online. It is just not accepted in enough places so i can not get the money off of it or get use out of it