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

currently there is negative information provided by XXXX XXXX XXXX XXXX XXXX. this account was sold/referred to collection company Stewart, Zlimen & Jungers , LTD. a case was then brought to court which I tried to self-represent. XXXX stated I needed to file a complain. but the stress and agony that comes with the harassment from Stewart, Zlimen & Jungers , LTD, was unbearable to the point I just agreed to settle the amount on XXXX. I initially disputed this account and provide all information to the collection company. this account was fraudulent opened by my brother and his friend. both of them was since jailed and deported. in any event, in the wake of things, I was forced to settle the debt in the amount of {$4000.00}. a phone conversation with XXXX XXXX stated that once the debt is paid, it would be adjusted on the credit report. it has been more than 90days now and this debt instead of reflect as paid in full, shows a reduced balance which is contrary to the agreement made for settlement. I've disputed this account 2 times and there was no changes in result even though I satisfied the agreement of {$4000.00} in full as of XXXX which I have proof of. when this account was disputed under XXXX XXXX XXXX - Direct disputes. there was no investigation result mailed/delivered to me. instead, was taken directly to the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been battling with XXXX XXXX Bank since XXXX XXXX, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX Bank, subsequently XXXX XXXX Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost XXXX year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and Equifax have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX Bank 's callous disregard for providing accurate information to XXXX  and Equifax is truly egregious and XXXX and Equifax 's unwillingness to correct XXXX remove the false information from our credit reports has been extremely frustrating.
Product: Debt collection

On XX/XX/XXXX I was involved in a car accident. Someone rear ended my car and I was badly injured. As a result, I was under physical therapy for several months and I needed to get XXXX XXXX. The person who was at fault in the accident had minimal insurance coverage and the amount of my XXXX was {$85.00}, XXXX which exceeded the {$15000.00} coverage that the party at fault had and also the equal amount that was paid by my insurance company. My XXXX attempted to pay a partial amount of the bill however XXXX XXXX XXXX and XXXX which performed the XXXX refused to take this amount. Now they are trying to sue me. On XX/XX/XXXX I received a summons stating that XXXX XXXX XXXX and XXXX  wants to take me to court. I don't feel sufficiently better after the XXXX and I am still in a lot of pain. I want them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Mortgage

Thursday - XX/XX/XXXX -- In response to a direct mail invitation, I contacted XXXX XXXX XXXX about the possibility of securing a loan. I voluntarily gave the Account Executive background information that would have been needed to apply for the loan. 

At the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any further than the phone conversation at that point. Before advancing any further, I wanted to talk to my husband. 

That evening I discovered that a credit inquiry was made on our credit reports. This was done even though I specifically requested no further action. In addition, one of their statements on another website : " New Day is required to reach out to the spouse, as well, in order to confirm their intent to be part of the application. '' At no time did they reach out to my husband, yet they did pull his credit report. 

I immediately contacted the Account Executive and he said I had given them approval to pull a credit report. I firmly told him that my request to hold everything until further notice at the end of our conversation was proof that he should not have proceeded any further with our application process. 

He also wrote back a sarcastic email ( almost bullying ) that : " Hopefully you will be able to address your current $ xx, xxx of credit card debt on your own and avoid another short sale situation. '' This was unnecessary harassment. My application was withdrawn and his manager called me. 

Friday - XX/XX/XXXX -- I told the same thing to his manager that the process should not have proceeded to a credit report. He insisted that I gave my permission to do so. He also told me that the hard credit inquiry was no big deal, unless we were going for an auto loan. I immediately told him that was exactly what we were planning to do on the following Sunday, which is why I specifically told them to HOLD the application. After a brief conversation, he said I would be contacted by a Compliance Officer. I am still waiting for that to happen. 

Saturday - XX/XX/XXXX -- Sent a Certified Letter to New Day asking them to withdraw the credit inquiries. 

I feel the company should be marked as one that is dangerous to deal with since their Account Executive wrote an email that was high pressure and belittling. In addition, the manager I spoke with tried to trivialize the fact that a hard inquiry was made.
Product: Mortgage

We received approval by IHAF due to XXXX to reinstate our mortgage and pay 6 months of payments. On XXXX/XXXX/2022, the agency paid {$12000.00} to XXXX XXXX XXXXXXXX XXXX failed to notify IHAF at closing that our mortgage had been sold to Shellpoint Mortgage Servicing on XX/XX//2022. IHAF paid additional mortgage payments in XXXX, XXXXXXXX XXXX  XXXX of {$2000.00} each to XXXX. I have advised and documented the above with Shellpoints point of contact representatives. Instead of attempting to have XXXX transfer these funds to them, Shellpoint has continued to harass us and threaten foreclosure. Ive contacted IHAF repeatedly regarding this. Their attempts to resolve the issue have been fruitless. We are older adults and believe this company is preying on us in an attempt to receive duplicate mortgage payments. We have received threatening letters and phone calls. It is wearing us down. It is clear that Shellpoint and XXXX are mismanaging government funds that were meant to assist us. I would appreciate your help. Thanks
Product: Credit card or prepaid card

On XX/XX/2019, my purse containing all of my identification and personal information was stolen. Due to this, on XX/XX/2019, I initiated the process for a 1-year fraud alert to be placed on my credit reports. On XX/XX/2019, I received confirmation that the fraud alert was successfully added to all three of my credit reports. I was told that this fraud alert would require creditors and lenders to contact me directly, before issuing credit in my name. On XX/XX/2019, I received an alert from my credit monitoring service, stating that a potential creditor pulled a copy of my credit file because I applied for credit or services with them. I immediately contacted this creditor to inquire about this alert. Upon speaking with a representative, I was told that an XXXX credit card was opened in my name. I explained my situation and the representative transferred me to their fraud department. The fraud department could not explain to me why I was not contacted prior to this card being opened, even though I had an active fraud alert on my credit reports. I explained that there is an active investigation in progress with my local police department, for credit cards that were used from my stolen purse and that the detective requested that I report any additional identity theft that may occur in the future. I asked for the account number and details about when and where the card was opened and if any charges had been incurred on the card. I was told that they were not able to release any information to me until I completed a report at identitytheft.gov and mailed it to them. In the meantime, I was assured by the representative that the account was closed. In the days that followed, I completed the report and mailed it to the credit card company, as I was instructed to. On XX/XX/2019, I received an XXXX credit card in the mail. To confirm that the account had been closed, as I was previously told, I contacted the credit card company again. An associate advised me that the account had not been closed but had been frozen to prevent further charges from being incurred. I was then transferred to the fraud department to discuss the situation further. I waited on hold for 30 minutes before being disconnected. I called back and went through the same process of being transferred to the fraud department. When I asked if I could have the direct number to the fraud department, in case I was disconnected again, I was told no. When I asked approximately how long the wait would be, I was told that it would be a long time, but they couldn't give an estimate of how long. After waiting on hold for an hour, I hung up and decided to take further action by submitting this report.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX
Product: Debt collection

I received letters and calls from XXXX XXXX XXXX XXXX for a {$1700.00} loan from XXXX XXXX  that i did not make from XXXX. Never was notified by the loan company of any loan owed and never received anything from courts on unpaid loan. First thing I received was from collection agency years after the loan I supposedly received, that I never had any knowledge of.. I called World Acceptance corp XXXX BOX XXXX XXXX SC. XXXX ( phone # XXXX ) who owned XXXX XXXX and ask for a copy of contract, so I could prove that the signature was n't mine and they refused. Every loan i got from XXXX XXXX ( AKA World acceptance ) was paid in full. I want World acceptance to give me a copy of the contract, so I can prove it is n't my signture on it and is not my loan or have it removed from my credit reports.
Product: Mortgage

I am writing with deep frustration and despair regarding the way my mortgage servicer has handled our hardship application, which has now culminated in an unexpected foreclosure filing. My family and I are in a state of shock and emotional distress. We applied for mortgage assistance in XX/XX/year> because we were already struggling financially, and we did everything we could to comply with their requests. 

Despite sending all the required documents on time and following up repeatedly, we were continually told that paperwork was missing, even though we had already submitted it on multiple occasions. For months, we were left in limbo, with no clear communication or support. Our designated point of contact had little to no contact with us, and since XX/XX/XXXX, every attempt to receive an update has been ignored. 

Our situation became even more unbearable when, after we made a sincere offer to make a partial payment towards our outstanding {$24000.00} balance at the time, we were told that no payments could be accepted until a decision on our application was made. Instead of receiving a clear response, we have now been served with a XXXX XXXX, effectively signaling the start of foreclosure proceedingsall without proper explanation or an opportunity to resolve our financial hardship. 

This experience has not only endangered our home but has also left us feeling completely abandoned by a system that is supposed to help people in distress. Adding to our suffering, my mother, who does not speak XXXX, has been unable to get any assistance due to the lack of translation services provided by the mortgage servicer. This has created a barrier that has further isolated our family during this incredibly vulnerable time. 

I respectfully request that the CFPB urgently investigate this matter. The lack of communication, repeated requests for documents already submitted, and the refusal to allow a partial payment have caused us severe emotional and financial hardship. I fear that if this situation is not addressed immediately, we will lose our home. 

We believe we have been denied a fair loss mitigation process and that the company has failed to follow federal guidelines under RESPA. We are seeking immediate intervention to halt the foreclosure and ensure proper handling of our assistance application. I have copies of all email correspondence and documents submitted, which I am willing to provide as evidence.
Product: Checking or savings account

I am writing to file a complaint against Mavy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federeal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe there practices to be unfair and request an investigation into my account transactions.
Product: Student loan

In XX/XX/2022 I took out a loan from Status Financial LLC. I was told that the XXXX of every month I must pay the loan and that the loan amount is subject to change considering it is a variable loan. Even though the interest rate was high on this loan I still took it considering I knew that my credit from this loan would build my credit score so later I could refinance. The only issue is I haven't received any credit even though I contacted Stratus Financial multiple times. I have not made a late payment or missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.
Product: Debt collection

XX/XX/XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dispute of Inaccurate Information on Credit Report Dear SUNRISE CREDIT SERVICES, I am writing to formally dispute an item on my credit report. I recently reviewed my credit report from your agency, and I have noticed an error that I would like to have corrected. 
The inaccurate item is as follows : * Creditor Name : SUNRISE CREDIT SERVICES * Account Number : SUNRISE CREDIT SERVICES * Error Description : According to my records, this information is incorrect because I WAS NOT INFORMED OF THE PAYMENT OR ASKED PERMISSION FOR IT TO BE COLLECTED AS DEBT. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with a written response detailing the results of your investigation. 
If you require any additional information to process this dispute, please contact me at the phone number or email provided above. I appreciate your prompt attention to this matter. 
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. $ 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA {$610.00} ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ). Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : Name, Address, City, State Zip Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX, XXXX, and Experian ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX   on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B,  the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that XXXX will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to EXPERIAN AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.
Product: Debt collection

XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report
Product: Credit reporting or other personal consumer reports

I checked my inquiries and saw XXXX XXXX XXXXXXXX XX/XX/XXXX on my report as a inquirie never applied for any credit. XXXX XXXX  on XX/XX/XXXX never applied for any credit. XXXX XXXX XXXXXXXX again XXXX and XXXX XXXX again on XX/XX/XXXX. Than I see this SYNCB/Amazon on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES A FEW MONTHS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Funding ARE SHOWING INACCURATE DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG XXXX DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --