23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX of 2019 my mother passed away. Her name was the only name on the mortgage. Since that time I have been sending documents to Bayview loan servicing to get help and I get nothing. A copy of their latest letter is attached and since my mother has passed and my father has not been heard from over the past 3 years as you can see with the quick claim deed I am the last person which means I have the ownership. This latest letter from Bayview talks about probate and with the quick claim deed you do not need to have probate it just passes to the next living party which would make me the successor. Bayview which is nothing more than a front for a XXXX GROUP I believe that Mr XXXX needs to have this out investigated being in Florida and all of that. When you have a life estate it just passes from person to person that is alive. THESE XXXX keep playing games. I have talked with 3 attorney and a Federal Judge and they have told me that what I have done is more than enough even giving bayview a copy of my mothers will which leaves the property to me. I have been making the payment since last XXXX and I also suffered a XXXX and missed time at work being in the hospital and have fallen behind however I am trying to catch up and would appreciate some help from the XXXX AT BAYVIEW. All they do is ignore the legal documents that are sent and ask for the same XXXX. When you have a life estate you do not need probate but these XXXX AT BAYVIEW are to XXXX to know the law that is why I think it is a XXXX FRONT that they are taking the money and moving it out of the country. If they want the can sell the loan to another mortgage servicer thatis willing to resolve matters and not play games. I have attached documents, Get the XXXX uinvolved and shut these people down. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} XXXX says it is {$0.00} equifax says it is {$830.00} date opened XXXX  states XX/XX/2017 XXXX states XX/XX/2017 equifax states XX/XX/2017 not all equal
Product: Credit reporting or other personal consumer reports

I've been trying to fix this issue with Experian for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major mental distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.
Product: Debt collection

XXXX  put me TWICE on collection for the same debt with 2  different amounts. First time on collection was on the year of XXXX. I got put again for the same debt on a new date and a different amount on XX/XX/XXXX. I have a copy of the initial collection with the date and the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX XXXX XXXX XX/XX/XXXX ( 12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : XXXX Account XXXX : RESURGENT/LVNV FUNDING Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Product: Credit reporting or other personal consumer reports

Basis for Dispute 1. Fraudulent Contract : I signed one valid contract with XXXX XXXX on XX/XX/year>. However, an additional contract dated XX/XX/year> was fraudulently created without my knowledge or consent. My signature on this document is forged, and I was not aware of its existence until XXXX XXXX filed a lawsuit against me. 
2. Removed by XXXX XXXX from XXXX : XXXX XXXX has already removed this account from my XXXX credit report, suggesting they no longer hold me responsible for the debt. This inconsistency raises questions about the legitimacy of this account on my TransUnion report. 
3. Discrepancy in Down Payment : The original agreement I signed reflected a different down payment than what was later altered by the dealership, XXXX XXXX XXXX XXXX, in an attempt to inflate the financing terms fraudulently. 
4. Unfair Practices and Bad Faith : I repeatedly attempted to resolve the matter with XXXX XXXX, including applying for their hardship program, but they failed to provide assistance. 

- In part Im asking that this account with the XXXX be removed from my credit report. I have no way to submit this information through their dispute page.
Product: Debt collection

Regarding my CFPB complaint number XXXX, on date XXXX Credit Control Corporation claims to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that this must be done within 5 days as described in 15 USC 1681i ( 6 ) ( A ).
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 studying 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 : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

in XX/XX/2010 i took out loans of XXXX dollars. I lost my job and dont have steady income currently. Nelnet wants tax forms I dont have. Once i get a job i will go be making on time payments. just looking for a little good will while. I get back on my feet.
Product: Credit card

USBank is not sending me verification codes- second part of STUPID two-step verification- so that I can not make a payment online. On XX/XX/year>, I submitted a dispute via telephone with USBank 's Executive Office. Since then, I am not receiving verification codes, requested more than a dozen times over a few days and through two different browsers. XX/XX/XXXX I spoke with XXXX in technical support. She stated that XXXX was blocking my emails, EFFECTIVE XX/XX/XXXX- the date I complained to USBank 's Executive Office. This is more than a COINCIDENCE. I am receiving messages from numerous senders without any problems. Working with XXXX, we made sure that no USBank addrsses or USBank domains were blocked. So, USBank is LYING. Because I complained to CFPB about USBank on or about XX/XX/XXXX and USBank 's Executive office had to call me so that I could file a dispute, it is obvious that USBank is INTENTIONALLY in RETRIBUTION blocking itself from sending me verification codes. Thus, I am not able to make a payment, which USBank is doing to cause me harm in RETRIBUTION. Furthermore, USBank 's actions are a CRIMINAL CONSPIRACY.
Product: Checking or savings account

I opened up my account via online which they offered incentive to sign up online. I received a check from the IRS and deposited it into my savings, which it was cleared because its a legit check from the government, my tax returns which was an accumulation of XXXX, XXXX and XXXX taxes. They allowed me to use my card for several days no issue. I made a purchase for {$75.00} where they called and left me a message stating I needed to call them and they left a reference number. I called the number back and put in the code to which my account was unlocked and there was no issue. The hold was stated to have been removed. I tried to log in my account the next day and it did not work. I called into TD bank where they stated I had to call a local branch to email or fax in my return, which is none of their business. I proceed to call the local branch on XXXX XXXX XXXX XXXX where the branch XXXX pulled up my account stating I had to call the fraud dept, a whole diff situation I clearly and actively was told was CLEARED, with no issues. They keep sending me back and forth. I just want my account closed and my funds refunded to me. They had no right to lock my account down. I had no strange transfers or transactions. The check was legit and cleared. I shouldn't have to battle the bank for money that was cleared by the IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today I reported experian for not reporting payments to accounts on time now they retaliated by dropping my score when they are suppose to raise the score because the debt is paid. Experian retaliation efforts is just going to make me keep reporting until they go out of business. They are breaking every law imaginable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. Experian is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how Experian got the information to report it.
Product: Debt collection

I have two different capital one accounts. Both are reporting incorrect information on credit bureaus XXXX XXXX and XXXX. Plus it is showing both accounts as closed when I repeatedly contacted capital one and made payments repeatedly in effort for it not to be closed. I am surprised to see the misinformation on both my accounts with capital one.
Product: Debt collection

I am a veteran, I was given a phone number to call and schedule me an appointment for an increase on my claim/XXXX. I had requested an appointment and then received my appointments and I also had to se a XXXX  during a facetime interview. There was nothing signed. I reached and made this appointments my self. I was later notified and harassed by this person name XXXX who told me to XXXX  him payments XXXX  name ( $ XXXX ). Payment XXXX XXXX he received XXXX. 
He was able to see my medical files and tell me about my claims without my knowledge, breaking every chain of HIPPA. He has sent information to the collection company named American profit Recovery Inc. for an amount of XXXX. This is not only fraudulent ; harassments ; this man nor company did nothing. He was able to contact me and tell me I received a 100 % on my XXXX thorough VA. That alone is a HIPPA Violation. I had to put extra security on my accounts because he was able to see them. How? He did not help me any any way. I called and got this set up myself. So, im not understanding the debt collection. I called and scheduled my appointments and was out sourced for them. I owe this an or fraudulent company nothing. I have informed also made the VA hospital aware of this scam, I also let them know about an employee XXXX XXXX and XXXX XXXX " Department Of Veteran Affairs LR AR who is also in on this scam with him getting wealth off XXXX veterans.
Product: Credit reporting or other personal consumer reports

I got 2 Auto loans that is suppose to be in my brother name. One is from XXXX XXXX  for a mustang and the other is financed from Honda. This has been negatively affecting my credit and has stopped me in the pasted from getting a new car and home. Additionally, there is a credit card from XXXX  XXXX XXXX with a total balance of XXXX, that belongs to my brother. We are XXXX  and were born on the same day with the same first name ( different middle name ). However, we have different social security numbers to differentiate us. I had to make this report because there is too many inaccurate information for me to dispute from multiple credit companies. I can only do 1 dispute every 30+ days or when the investigation is completed. Also, I should have no credit inquiries for the month of XX/XX/XXXX. That was not me. That was my brother. Please assist me on this matter.
Product: Credit reporting or other personal consumer reports

I was looking at my credit reports and notice there was things that are not correct. I sent a letter to Experian on XX/XX/2023. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX but its been more than XXXX  days XXXX XXXX credit bureau has not responded that violation of 15 US C 1681 ( a ) ( 1 ) ( A ).

Under 15 USC, 1681 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and expect as provided in the subsection ( g ), if the completeness or accuracy of any information contained in the consumers file at the consumers reporting agency is disputed by the consumer D consumer notice is the agency directly, or indirectly through a reseller. Such of dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the dispute is information is inaccurate and recorded the current status of the disputed information, or delete the item from the file in accordance to paragraphs ( 5 ), before the end of the 30 day period on the date on which the agency received a notice of the Dispute from the consumer or the reseller.
Product: Money transfer, virtual currency, or money service

We are a XXXX  XXXX that preformed work for homeowner through their insurance company. The homeowner has a mortgage company that the insurance company had to attach to two checks for the mortgage company to endorse. The mortgage company has been supplied with all necessary documentation proving that the work has been completed. The mortgage company will not release the checks back to the homeowner to pay us. The work was completed on XX/XX/2020 and we sent the mortgage company a certificate of completion, up to date copy of W9, a copy of our business licenses and insurance, a copy of the signed contract between the homeowner and our company and photos of the before, during & after process of work performed. We have sent emails, faxes and have called every day to follow up with them and they will not process us payment. Please help us and the homeowner. Thank you.
Product: Mortgage

360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$100.00}. My loan was on a repayment plan from XXXX through XX/XX/2015. The representative 's XXXX and XXXX stated it was due to the company having to send someone to my house to verify residence. I asked the representative 's to submit me proof or remove the charge from my statement and they stated they could not. The company has continued to call several times a day and harass me to about paying the amount. The company has sent me a statement that my payment amount will be increasing by {$43.00} due to " escrow shortage ''. I just increased my deductible for my insurance and XXXX refunded 360 Mortgage Company {$240.00} 3 days ago and lowered my premium. The representative XXXX stated my insurance premium increased and that was the reason for the increase payment. This is a deceptive business practice to get monies from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amounts listed on multiple accounts are incorrect. I have opened a dispute because student loan account were being reported XXXX different times and different amounts. Auto loan and credit cards balance are not correct. Reporting a XXXX charge that is paid as unpaid. Just recently again requested this information to be updated.
Product: Vehicle loan or lease

I traded my XXXX XXXX XXXX into XXXX XXXX in XXXX Texas 7 months ago for a XXXX XXXX XXXX XXXX the dealership paid my trade in off it was financed through Skopos Financial I have called XXXX XXXX many times to please update my credit report as paid in full but they have yet to update, still shows open and that I owe XXXX and change As well as my new XXXX XXXX!!! please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX Balance : {$4900.00} This is a formal complaint against Equifax, XXXX, and XXXX located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXXXXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, Equifax, XXXX, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Honorable XXXX XXXX Attorney General, I am writing to bring to your attention a matter of grave concern regarding the persistent inaccuracies and inconsistencies in my credit report as maintained and disseminated by TransUnion, XXXX, and multiple secondary credit reporting agencies. 

Despite my diligent efforts since XX/XX/XXXX ( over 316 days ), involving over 100 letters of dispute, complete with legal documentation and personal identification, my requests for correction have been egregiously disregarded. This letter serves as a formal complaint against the aforementioned agencies for their failure to adhere to established credit reporting standards and their blatant disregard for consumer rights. 

Included with this letter is a document from the Bankruptcy Court in Texas dated XX/XX/XXXX clearly stating its policy of non-reporting to credit bureaus. This pivotal piece of evidence has been repeatedly submitted to the credit bureaus, only to be met with unfounded allegations of forgery and unreasonable demands for personal information already provided. 

The reporting of a public record on my account is in direct violation of the CDIA 1997 Reporting Standards and XXXX compliance, underscoring a flagrant abuse of my rights and a lack of data integrity. The inconsistency in reporting between XXXX, TransUnion, and XXXX, particularly the unique discrepancies noted in XXXX 's records, highlights a systemic issue that undermines the credibility and functionality of the consumer credit reporting process. 

Furthermore, XXXX 's repeated requests for verification of my credit information, suggesting unauthorized submission, is a tactic that has unduly delayed the resolution of these errors for 316 days. This practice is not only unethical but also illegal, stalling consumers ' efforts to rectify inaccuracies on their credit reports. 

I hereby cite three significant legal cases where consumers, faced with similar grievances, sought justice against XXXX and prevailed : 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 XXXX XXXX XXXX XXXX  These cases underscore the legal precedent for holding credit reporting agencies accountable for their negligent practices and the significant impact such errors have on consumers ' lives. 

I demand a thorough investigation into these matters, the immediate correction of my credit report to remove the inaccurately reported public record and all negative items, and compliance with my legal right to access my credit information without incurring fees. The current model, where consumers must pay to access their own informationinformation that is then sold for profitis unacceptable and demands reform. 

I look forward to your prompt attention to this matter and expect a resolution that restores my credit report 's accuracy and integrity, safeguarding my rights as a consumer. 

Sincerely, XXXX XXXX