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

There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from XXXX reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from XXXX that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

About once a month, Experian, or someone claiming to be them, with access to my account number ( they put it in the email ) sends out an email with the following information : Sign in to confirm your car There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. 
Sign in Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 


The link then goes to a list of XXXX vehicles, usually the same ones, and asking for loan status on them. 

It looks like theyre trying to confirm information, but there is no option to actually say that you dont own this vehicle. And all available options route you to a marketing pitch for auto loans or refinancing. 

Theyre being deliberately misleading by claiming that this is not marketing, it is part of your consumer record ( I dont actually own a vehicle ), and getting you to click through to an auto loan sales pitch is shady as XXXX.
Product: Mortgage

My home went into foreclosure and I called on XX/XX/XXXX  to get a forebearance or other steps to stop the sale scheduled for XX/XX/XXXX  at XXXX. I was assured by my contact at Shellpoint Mortgage Servicing ( XXXX XXXX ) at XXXX on XX/XX/, that I was approved for a forebearance and the sale on XX/XX/XXXX  would be stopped. I found out Friday XXXX  at XXXX that my home had been sold. I've tried repeatedly to get Shellpoint to correct this, the purchaser of my home is willing to stop the sale as long as they get a refund of the money they paid. I'm being given a run-around by the Shellpoint reps and my point of contact ( XXXX XXXX XXXX is no longer taking or returning my calls.
Product: Mortgage

Seterus have a very bad customer service organization. The first 12 minutes of any call is them verifying and re-verifying all of your information even if you talked to them that same day. The servicers do not read your information in the notes after verifying who you are or prior to calling you. I have asked for 8 years, providing documents by email, fax and snail regarding my name change, with documented proof they request, at least 10-15 times. And, I notify them every single time I call that I am divorced. They still have not taken care of it. They are rude and inconsiderate. I believe I they have taken steps to hurt my account and credit because of this. I have had payments applied incorrectly, using late payments and misallocated a regular monthly payment in order to make negative marks on my credit. I requested a modification, was told I needed to miss 4 payments to do so. So I did, they came back with a horrible offer, which I had no choice but to accept. Now I am in a 40 year loan at 5.5 % interest, with bad credit on two fronts because of Seteres. They in NO WAY look out for their customers best interest. Lastly, I had a flood at my house. My insurance promptly paid. Seteres took the money. After 6 weeks, Seteres still has n't given me the money to pay contractors. I had to use 2 months worth of mortgage payments to pay out of pocket so I did n't get a lien on the house BECAUSE OF SETERES. They are rude, clueless robots that only hurt the situation and have no concern about anyone 's wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  In the FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The number for this item has no number, how can I contact them to discuss with the about the account? 

Please remove from my report
Product: Debt collection

My credit is being illegally charged by Lockhart , Morris & Montgomery Inc . They keep applying a medical debt of {$520.00} to my credit report when it is illegal to do as such. It gets deleted and they keep re inserting it into my report. I am a XXXX recipient and have been at the time of my emergency hospital visit. It is illegal to charge active XXXX recipients or those presumptively applicable for emergency medical services. I let Lockhart know that it is illegal as well as did several disputes and showed them the actual law as well as my XXXX plan.XXXX XXXX XXXX
Product: Debt collection

I have never received any information about this debt from this company. I saw this debt in XXXX XXXX. I filed a complaint with CFPB which it then was removed from credit. Upon reviewing the collections on my from the credit bureau this collections is 5 years old and this company has been tarnishing my credit for this long. This company has been removed from all three credit bureaus. Yet turns around and continues to try and collect a debt not owed to them by me. I have no legal or binding account with this " Third Party Collections Agency. Per my consumer rights I do not have to pay a third party collections agency. Also I have never had any connections with any company that I haven't payed for my services or if medical I have medical insurance. CFPB closed this on XX/XX/XXXX for XXXX  and now it is reporting on XXXX. This is harassment. And causing affect to my personal credit. K, B, R , Inc. continues to post on my credit accounts after they have been removed. K, B, R Inc. aka Rash Curtis has no accounts with me has never notified me nor whatever company they are collecting for has notified me for an account number with XXXX I do not have any legal binding accounts with K, B, R or Rash Curtis for them to continue to try and collect from me. They have reached the statue of Limitations 5 years since they said this happened in XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

IAM WRITING TO FORMALLY EXPRESS MY CONCERNS REGARDING ZELLE HANDLING OF DISPUTES. DESPITE USING ZELLE NUMEROUS TIMES AND REPORTING DISCREPANCIES, MY FINANCIAL INSTITUTION AND ZELLE FAIL TO INVESTIGATE MY CLAIMS.
Product: Debt collection

I received a letter from Portfolio Recovery Associates alleging I owe a debt. The details in the letter are not familiar to me. I called the number on the letter and spoke with XXXX. My plan was to request verification of a debt PRA alleged I owe. XXXX refused to do so with me, claiming she could not verify my personal information. The address I read to her was the same address on the letter that PRA sent to me. She claimed this address ( that the company she worked for sent a letter to ) was not correct and wanted different information. As I do not believe I owe this debt, and I am a previous victim of identity theft, I do not wish to hand out my personal information, especially to companies I do not do business with. XXXX transferred me to XXXX XXXX, an Operations Manager. He also refused to verify the debt with me, he again claimed that the address that the company he works for sent a letter to was not correct, and he refused to verify the debt with me, or put a letter in the mail verifying the debt. I told XXXX I would be submitting a complaint with the CFPB as a result of this phone call and he acknowledged that. The only acceptable personal information to them was my SSN or my DOB. I don't give out my personal information to unfamiliar people or companies, especially information of a sensitive nature. Additionally I found it suspicious that they were not able to verify with the information on the letter that PRA sent out.
Product: Credit reporting or other personal consumer reports

Subject : Re : Dispute Results- Unauthorized Inquiries on Credit Report** Dear Equifax XXXX I am writing in response to the recent results of my dispute regarding unauthorized inquiries on my credit report. I appreciate your prompt attention to my concerns. However, I must express my dissatisfaction with the outcome as the disputed inquiries remain on my report. 
In my initial letter dated XX/XX/XXXX, I disputed the following unauthorized inquiries : 1. **XXXX - XXXX XXXX** - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX As per the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), these inquiries were not initiated by me, and I requested that they be removed unless you could provide documentation of my written consent authorizing these inquiries.

Your investigation concluded that these inquiries are factual records of file access and will remain on my Equifax credit file for two years from the reported date of the inquiry.

Unfortunately, you have not provided any evidence of my written consent, including my signature, authorizing these inquiries. Without this evidence, these inquiries should be considered unauthorized and must be removed from my credit report.

I request a re-investigation of this matter and the removal of the unauthorized inquiries listed above. Please provide me with documentation of my written consent if you believe these inquiries are legitimate. If you can not provide this documentation, I expect these inquiries to be removed immediately.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX.
Product: Debt collection

I have disputed this debt with the company several times requesting documentation to prove I owe this debt and have never been provided any information. I did not contract this debt nor have I seen any proof otherwise. My fourth and final dispute requesting proof of debt was sent to the company  on   XXXX   XXXX   XXXX
Product: Checking or savings account

I am writing to urgently address a troubling situation with my Wells Fargo account. Recently, I deposited a government-issued check for services provided to my business. Wells Fargo initially placed a hold on the check, which was cleared without issue. However, without prior warning, Wells Fargo imposed a restriction on my account, alleging potential fraud and notifying me of their intention to close it. 

Upon inquiry, I was not given a clear explanation for this action. Instead, Wells Fargo questioned the legitimacy of the check based on minor discrepancies, such as the use of XXXX numerals versus letters and the inclusion of a name associated with a former employee. I clarified that the check was valid, issued to my business, and provided documentation confirming the legitimacy of the transaction and my business ownership. Despite this, Wells Fargo has not provided a satisfactory explanation and continues to restrict access to my funds. 

My business is now facing significant hardships, including difficulties in paying employees and managing daily operations, due to the funds being held. Wells Fargo has also debited my funds and moved them to an inaccessible account. I have provided documentation in person to the branch, proving my current and former business ownership and showing that no fraudulent activity has occurred. Nevertheless, Wells Fargo continues to classify this as fraud without furnishing the required documentation or evidence.
Product: Payday loan, title loan, or personal loan

Tower Loan calls my phone and sends out multiple pieces of mail reminding me that I am late on a payment. The call multiple times a day, almost every day of the week. This ia harassment, im not even 2 weeks overdue and im scheduling a payment today. I have no plans to default or fail to repay. They are however harassing me and calling over and over is unacceptable and I believe it is against the law.
Product: Mortgage

In XXXX of XXXX I began the process to have the company remove by PMI. I finally got the company ( Freedom Mortgage ) to remove my PMI as of XX/XX/XXXX. Eleven months later on XX/XX/XXXX, they charged me {$950.00} for 11 months of PMI premium and then in XX/XX/XXXX they again charged me my monthly premium {$86.00}. I am well below the loan to value ratio which would require mortgage insurance. I am requesting the company AGAIN to remove my PMI, and to refund the premium given I have written documentation of them removing it especially given this put my escrow into the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXXXXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Product: Credit reporting or other personal consumer reports

Experian and XXXX reporting a collection from XXXX XXXX saying that XXXX XXXX is the original creditor. I have never had a XXXX account, I contacted XXXX XXXX and they stated that they have no information on me ever having an account with them. I contacted XXXX XXXX and I was told they could not have it removed because they can't pull up an account without an account number and that nothing pulls up in their system from my name or social security number. This account does not belong to me.
Product: Checking or savings account

Dear CFPB, I have one CD matured on XX/XX/XXXX at XXXX by Goldman Sachs. On XX/XX/XXXX, I had contacted this bank to give my order " Do Not Renew '', but this bank would n't take my order, saying just call on XXXX, so I did call today XX/XX/XXXX. 

This bank told me today, it would take 1~2 business days to close the CD Account and deposit it to my Savings Account. I had so many different bank accounts over the years, this is news to me. Goldman Sachs bank tries to drag this on, so that 10 day grace period is over, knowing there were weekend and holiday right after 23rd. 

If it drags on few more days, my CD will be renewed automatically against my will. 

This bank changed its name recently, so that they are separated from Goldman Sachs, just in case they are being sued. This bank is so out of control that I told them before, I will be closing my account as soon as CDs are matured. Even closing account is not easy anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, US DEPT OF ED # 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 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.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ). 

I waited 30 days and recieved my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. 

Which is a violation. This is causing me financial injury and impacting me from buying a house.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from XXXX XXXX XXXXXXXX , TD Bank , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.
Product: Vehicle loan or lease

I paid {$8000.00} down in cash {$3000.00} down in trade in and when the first payment came due I was a few days past the 10 day late period due to helping my mom with travel to her XXXX treatment. I made the first payment with no issues the representative didnt say a word and accepted the payment, at the end of that week I got a call from the dealership saying my loan was canceled and that I would need to return my truck. I called Westlake financial only to find they infact canceled the agreement prior to my initial payment. When asked where in the agreement it states that they can do this they refused to answer I stated that state law shows that even after 10 days after the repo I can bring the account current and reclaim my property they refused to reverse the process and my truck was picked up and is now on it's way to auction. I have lost {$11000.00} and left with no vehicle because of their scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

XXXX XXXX continues to report this account 180-150 days late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with XXXX XXXX XXXX XXXX . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.