23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Mr. Cooper notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both Mr. Cooper and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.
Product: Mortgage

In XX/XX/2023 I was struggling with payments. Fay Servicing advised me to fill out hardship application and they would review and get back to me in 30 days. They would not accept monthly payments I was trying to make because account fell behind and they wanted XXXX payments. This is when they advised me to do hardship application. It is now XXXX and they are not responding. You can't get thru their phone lines or get anyone to answer me. They have now turned over account for legal action. And payments keep falling further and further behind because they wouldn't let me attempt to pay. I understand legal action was already taken in the past against Fay Servicing for hiding info from consumers. I need this resolved. Sounds like they are avoiding me at all costs. Tried to call their XXXX XXXXXXXX and voice box is full. XXXX XXXX message before and he never called back
Product: Bank account or service

Bank of America credit card account has been paid in full and resolved but still shows on my credit report as non-payment amount of {$580.00}. I need this cleared from XXXX credit bureaus ASAP.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX  | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX FUNDING Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, dating back to XXXX, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding XXXX XXXX XXXX Account Removal and Impact on Credit Score Dear Experian Customer Service , I am writing to formally express my concerns regarding the handling of my XXXX XXXX XXXX account on my credit report. 

I recently noticed that this account, which was previously listed as being in debt collection, was removed from the debt collection status. However, it now still appears as a closed account on my credit report. I had filed a request to have the account fully removed from my report, but I did not receive any notification or update about the status of the investigation. 

As a result of this unresolved issue, I have experienced a negative impact on my credit score due to missed payments, as I did not make payments while waiting for the outcome of the investigation. I believe I should have been informed promptly about the status of the investigation, especially since the account was listed as closed, and this lack of communication has caused me significant harm. 

I request that you investigate this matter immediately and take the necessary steps to either properly update the status of this account on my credit report or remove it entirely, as initially requested. I would also appreciate a clear explanation regarding the investigation process and why I did not receive any notification regarding the resolution of my dispute. 

Additionally, I would like to request that any negative impact on my credit score due to this situation be reconsidered and rectified. 

Please confirm receipt of this complaint and provide an update on your findings as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and requested the removal of this fraud account multiple times. I went back and forth with the bureaus since XX/XX/XXXX but to this day, the fraud account is still on my credit report. 

Please delete XXXX XXXX  XXXX - XXXX - date opened : XX/XX/XXXX ASAP. 

and delete these fraudulent inquiries : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

I have aattached my new and old FTC reports along with my IDs
Product: Bank account or service

I regularly transfer funds into my Wells Fargo checking account, from my primary savings institution, which is a Credit Union. The last transfer I initiated was a next business day delivery, which I sometimes choose. Funds were ordered on XXXX/XXXX/2015 and should have been credited on XXXX/XXXX/2015. I have initiated these transfers, well over a XXXX times in the past, both XXXX business day and XXXX business day requests, with no issues. The most recent transfer in question, was not credited until the XXXX business day, instead of the next business day, as was requested. As a result, my account was debited on XXXX with outstanding checks, and my account was placed into overdraft, which I have protection for. The deficit was covered through funds in an associated savings account. In addition, an overdraft fee was charged. If the entire amount of the funds transfer from my Credit Union account had been credited on XXXX/XXXX/2015, as should have occurred, the account would have not have been in danger of overdraft. I contacted Wells Fargo customer service, requesting they reverse the overdraft fee. The representative on the phone refused, at first, but reacting to my repeated request to reverse this erroneous charge, offered to credit 25 % of the overdraft charge?? I declined the offer and requested to speak with a supervisor. I was connected to XXXX XXXX in the Texas call center. I reiterated my account of what happened, resulting in not only the same 25 % offer, but in addition, she tried to place responsibility on the Credit Union which sent the funds. After repeated requests to reverse the entire overdraft fee, I was again offered the 25 % refund. I declined and ended the conversation. I have checked with my Credit Union and they contend that nothing out of the ordinary occurred with my transfer request. As mentioned before, I have engaged in this same type of transfer over a XXXX times, with no prior issue. Additionally, in the XXXX years since I 've had these accounts at Wells Fargo, an overdraft has never occurred. This is simply a case of Wells Fargo getting an additional day of float on the funds transferred into the account, as well as, a spurious opportunity to charge an illicit fee ... .very simply, a fee grab by XXXX of the XXXX largest banking institutions in the country, involving a relatively small customer who has several accounts with them. The primary reason for my relationship, is because they acquired my accounts subsequent to a takeover of a regional bank, which had very exemplary customer service, and I 've remained with them as a convenient way to pay my mortgage. A resolution to this issue I 'm reporting would be to very simply, refund the entire amount of, what I believe is, an invalid fee which was charged because of Wells Fargo 's own inefficiency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XX/XX/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the the Bureaus Originally on XX/XX/XXXX via each Bureau who sent my dispute directly to XXXX XXXX XXXX regarding account XXXX. 
I requested them to please investigate and delete from my credit report. Initially I was a bit confused because this was listed as " collection attorney '' on my credit report and I know I have never spoke to any " attorneys ''. 
The FDCPA 807 SECTION 3, Strictly PROHIBITS : " the false representation or implication that any individual is an attorney or that any communication is from an attorney ''. However XXXX XXXX XXXX XXXX is on my credit report and is listed as " Collection Attorney '' in the detail type. This is unacceptable and NO Bureaus should have EVER allowed this to be inserted on my Credit Profile it is AGAINST THE LAW.

However, the Bureaus didn't respond. I sent out another letter on XXXX where I reminded the Bureaus of my complaint. I received correspondence from one of the Bureaus that XXXX XXXX XXXX  said account XXXX was " verified '' and " accurate ''. I found this not only to be inaccurate because I never had an account with XXXX XXXX XXXX XXXX and they are literally posing as an attorney which is against the FDCPA, but then found out this was a medical bill, Which also violates my rights under HIPPA Law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 60 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they are alleging that this account is " verified '' and " accurate '' should mean means that they should be able to produce all of then documentation I am requesting. If they can not produce this information they therefore not only violated FDCPA but also HIPAA. This account, account number XXXX XXXX needs to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA .
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian cease ALERT ALERT ALERT EXPERIAN IS GOING TO DELETE " 3 '' XXXX  XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN 2018!!!!!!!

ALERT CFPB EXPERIAN HAS NEVER REP
ORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION EXPERIAN .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... EXPERIAN YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! Experian you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT EXPERIANS MESS ... EXPERIAN CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX award from experian. I WANT DAMAGES EXPERIAN. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that Experian deleted three XXXX  XXXX XXXX accounts ending XXXX EXPERIAN I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX  XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN 2018 I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON EXPERIAN DISPUTE ATTACHED XXXX XXXX XXXX Do not delete experian you have never reported theses on my name no wonder I have identity theft. ALSO XXXX  AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES
Product: Credit reporting

experian has taken too long to send me results of my disputed negative acounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my account. Account claims I had 4 late payments on a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX of XXXX. And XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I received a Bankruptcy discharge. Included in that Bankruptcy discharge was an auto loan, financed by Pinnacle Finance Company. I must add to this that I purchased the vehicle for {$14000.00} in XXXX with a {$5000.00} down payment, yet no matter how much I paid over two years my balance continued to rise. The larger issue is that upon receiving my Bankruptcy discharge, I DID NOT REAFFIRM the auto loan with Pinnacle Finance. Further, I never directly agreed to any terms and conditions with Pinnacle Finance as it relates to their internal policies or terms and conditions ; as this loan was transferred to them after I purchased my vehicle. 

Pinnacle Finance has not only acted unlawfully by ignoring my bankruptcy discharge and pursuing me for money I do not owe on the vehicle. They continue various forms of collection tactics, first and foremost by stating erroneous information regarding the status of the account on my credit bureau report. They insist I owe them monies when I DO NOT. The loan was discharged. Further, they are stating that the vehicle was repossessed and that is NOT FACTUAL. Last summer I contacted Pinnacle Finance and agreed to surrender the vehicle and asked them to please come and pick it up. Pinnacle neglected to pick up the vehicle until late XX/XX/XXXX. 

Pinnacle finance is reporting erroneous information to the credit bureau agencies and I have made multiple contacts with them to stop. They refuse. I do not owe them any money and the car was NOT repossessed it was surrendered after being discharged from Bankruptcy. 

They are breaking the law ; and they are not adhering to proper and lawful collection tactics. Their contact information is below : Address : XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX To contact me you may do so at : XXXX My home address is XXXX XXXX XXXX XXXX, MD XXXX My Phone number is XXXX FOR YOUR RECORDS I HAVE ATTACHED THE FOLLOWING : 1 - Bankruptcy Discharge 2 - Bankruptcy Final Decree 3 - CERTIFICATE OF NOTICE TO PINNACLE 4 - Schedule D showing secured property to include Pinnacle
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this because i have noticed inquiries on all 3 of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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
Product: Credit card or prepaid card

Hello Dear CFPB I have XXXX Reward with Barclays Company since XX/XX/2013 and with limit XXXX and wanted to have credit limit increase but was turned down which is very unfair in my opinion because i have great credit almost no debt base on XXXX  XXXX and XXXX XXXX. I do not want to put charges on my card because i will max out my card. I spoke with manager. XXXX Employee Id number XXXX and also was truned down. I want to use card and earn rewards.
Product: Credit reporting or other personal consumer reports

Affirm is reporting many delinquent accounts on my record, however the merchandise has been returned to the manufacturer as defective. Affirm refuses to remove the charges due to being outside of a 60-day window and expects me to pay on items I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX XXXX XXXX XXXX  to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX and XXXX. Below are the companies that accessed my credit report that need to be removed. 

XXXX : XXXX- XXXX : XXXX XXXX Global Lending Service XXXX XXXX
Product: Mortgage

DITECH ... these people call day and night after the first day a payment is late. I paid over the phone after very aggressive phone calls from DITECH. They said they would waive the fee and when I saw my bank account they charged a fee. 
They also sent me a letter adding {$2000.00} to my mortagage that they obtained from GREEN TREE. They said it was audited and they found a mistake.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XXXX
Product: Debt collection

Have  XXXX  and  XXXX . Charges from  XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     ) were incurred and I was unable to pay them at that moment ( after having   XXXX   XXXX   ) ... Yet, they as the state, freeze and control all state tax refund payments to me and my wife each year/and or with the help of the IRS, also our federal tax returns ... As such, this debt and any from them ever made, is automatically discharged each year as they collect me and my wifes state tax and federal tax refunds ... ..In essence, there is never a old/new debt due as we pay them via tax return refunds they get at the end of each year ... I have a feeling that this is the same law firm I have told repeatedly not to call me and they continue to try and extort cash from us ... ....