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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

Citi Bank Closed my XXXX XXXX Citi XXXX credit card. I would like to get my credit card back. There is no written statement that said if i missed some payments the card will be closed. I have been making regular payments toward this account. I would like to have this credit card back with the same terms and conditions. I dont want to reapply for another account if i have a card that was already given to me by Citi Bank. My friends have this credit card and i would like to be able to have the same advantages i had using this card.
Product: Money transfer, virtual currency, or money service

I previously filled this complaint I am writing to you because I recently experienced digital fraud via a XXXX money transfer for the amount of {$3500.00}. I did not authorize this transaction and have contacted my bank in order to dispute it. Unfortunately, the bank denied my dispute and is holding me responsible for it. the money transferred from my account on XX/XX/2023 i found out the following day and report it to the bank on XX/XX/2023 claim number Bank of America XXXX XXXX the money transferred to this person XXXX I am hoping that you can help me resolve this issue as soon as possible. I understand that this was an unauthorized transaction and should not be held liable for any damages incurred by it. Please let me know if there is any way that you can help me in this situation. I would greatly appreciate your assistance in this matter. Thank you for your time and consideration, The Bank responded that they wont honor a refund due to the transaction done through an authorized device you can see the banks response in the attachment
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US Code 1681i ( 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. 
Please remove the following items from my credit report, immediately : Personal information 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX This personal information is incorrect, please remove it from my credit report immediately. 
Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX TX , XXXX, XXXX This account is being reported inaccurately, please remove from my credit report immediately. 
Inquires Please remove the following as they were not requested or authorized : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX
Product: Debt collection

it's the same unscrupulous debt collectors based in Georgia, Critical Resolution Mediation. I'm receiving threatening phone calls about a debt I don't owe. They always use the same fake name XXXX XXXX to identify themself. I do not owe the debt they are trying to collect. I have told them so repeatedly, I have requested they send documentation to support I owe this debt by mail and nothing. I want this harassment to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXil Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting or other personal consumer reports

My account was closed and paid in full, however it is not reporting on my credit report and is negatively affecting me. 

Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of 0 as shown by such filed 1099-C.
Product: Checking or savings account

Attached you will see XXXX XXXX transactions that were sent to me on Tuesday XX/XX/2023. Neither of these were deposited into my account until this morning but with yesterday 's date. The email attached from BOA states the funds will be in my account in XXXX minutes, it took almost XXXX hours.
Product: Checking or savings account

On XX/XX/XXXX, my cell phone was stolen from me. The party that stole my phone was able to bypass the security that I had in place on my phone, and used my Chime account to transfer themselves {$4800.00} in three separate transaction in XXXX minutes ( 2 to a XXXX XXXX XXXX for XXXX and XXXX dollars, and another to a XXXX XXXX XXXX for XXXX dollars ). This is felony theft by Colorado law. 

As soon as I realized that the theft had a occurred, I contacted Chime to report the theft. They mailed me a new debit and credit card, and opened disputes on the transfer. I let them know that I would send them a copy of my police report, as well as a receipt for the new phone that I had to order through my insurance. Less than XXXX hours later, Chime closed the dispute and said it did not have merit without allowing me time to even send a police report to them. 

I had to call them to reopen the dispute, and on XX/XX/XXXX, they reopened it. On the XXXX, I emailed them copies of my XXXX claim for my phone proving I had to order a new device and filed a theft claim. The police finally called me to collect my report on XX/XX/XXXX as well,. I requested a copy of the report as soon as it was available, which I sent to them on the XXXX via email. On XX/XX/XXXX, they finally issued a provisional credit to my account in the amount XXXX dollars. Finally, on XX/XX/XXXX ( today ), they sent me an email informing me that the credit would be revoked and that they found there was 'no error '. 

I have provided ample proof that the transfers were theft. I filed a police report, I sent them proof that I had to order a new phone, I changed my chime password, and moved my account to a different device, I've never sent money to those people before ( in the 4 years that I've had an account, I've only ever sent money to my partner through their transfer service ) and have never sent anyone that amount of money at a time. One of the payments was for 'car down payment ', and I do not own a car. The other payment was for 'rent ', but I had already paid my rent and it was more than twice the amount that I pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a negative report on my credit report about my past leased vehicle stating I owed a tax amount on vehicle but there was no notification sent to me nor was I notified about these taxes. Now Inhave a derogatory mark in my credit report.
Product: Mortgage

this company SPECIALIZED LOAN SERVICING took over my loan & from day one been nothing but headache!! i've called customer service & get transferred to 5 different people & they all say " not my department "!!. here 's lastest problem!! on my XXXX payment due statement they say i am {$710.00} late. here 's sequence : i sent check on XX/XX/XXXX  ', they cashed it on XX/XX/XXXX  ' & they posted on XX/XX/XXXX  ' that payment late!! they had the money!! they held the payment of {$710.00} & the payment due notice i got for XX/XX/XXXX XXXX ', show 's {$710.00} portion of payment is late & charge me late fees!!!! they had the money, i went to credit union & got a copy of the cashed check!!!!!!!! they are really crooked & i can't get a straight answer out them!!!!!!!! i need help!!!!!!!!!!! 

thank you!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

The name of the company is Consumer Portfolio Services ( CPS ) and I had a car loan with them that opened on XX/XX/XXXX. Unfortunately a few months after the purchasing the vehicle it started requiring thousands of dollars of repairs and I could not afford to fix it and pay the monthly payment of XXXX dollars. At the time my payments started becoming late and CPS started calling my friends, family and work telling them that I owed money on a loan and trying to shame me into paying. Also they started adding on fees on top of other fees and so forth. 

Finally because I could n't handle the stress of the car loan and the harassment from their collections department I told them to take it. The harassment continued after that so I started to threaten legal action. I believe the person I spoke with was named XXXX XXXX. She told me they would stop calling and remove the information from my credit report. 

To my surprise I went to get a new car loan, after waiting six years because of the trauma of dealing with CPS, they were still reporting the account negatively XXXX my credit. I then put in a dispute with XXXX and XXXX, citing the previous promise from one of their employees, but the dispute was rejected by them. 

I just want this awful company out of my life, I spent six years avoiding credit and financing because of their horrible practices and still they are affecting my life. 

Unfortunately I do not have the documentation for the loan it was lost during a move from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach in security in XXXX XXXX where my credit information was stolen. I was not notified about the breach until this past week, which is the second week of XXXX XXXX. At this point, I have not been affected. However, the company can not assure me that I will not be affected in the future.
Product: Credit reporting or other personal consumer reports

Hello Ive been a victim of identity theft. Ive made several reports and complaints about my credit being effected due to this happening. Ive made a police report as well as call the credit bureau. 
XXXXXXXX XXXX XXXX Account number : XXXX This is a XXXX XXXX account. 
XXXX XXXX XXXX  XXXX Amount {$790.00} Open date XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount {$740.00} Also hard inquiries XXXX XXXXXXXX inquiries XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX {$120000.00}
Product: Debt collection

XXXX XXXX gave my account to a collection agency. I never received any correspondence about an overdue bill. Neither XXXX XXXX nor the collection agency sent me any emails. They claim that the USPS returned the correspondence. XXXX XXXX placed the collection record on my credit report with the 3 agancies and this downgrade my credit score,  which is now costing me money. This was the final bill for a property that we sold. We filed a change a forwarding address with the USPS.
Product: Debt collection

I received a letter from a credit collection agency that calls itself Receivables Performance Management or RPM, on XX/XX/XXXX stating that I owe a debt of {$470.00} on a debt to XXXX XXXX XXXX, XXXX for a leased XXXX XXXX that I turned back over in good standing in XXXX of XXXX. I immediately responded with a letter stating that I dispute this debt. On XX/XX/XXXX, I received a response form RPM stating that I do owe them the debt for Rent Past Due, Sales Expense, and a Lease Termination Charge. Their letter also states that they do not have to respond to any other inquiries, requests for additional information or challenges to their claim. 

The lease in question was on a XXXX XXXX XXXX which I leased on a weekly basis from a company named XXXX XXXX, which was affiliated with XXXX. The purpose of this lease was to XXXX for XXXX. During my lease, XXXX XXXX was bought out by XXXX, which from what I understand went out of business after I terminated my lease and their remaining business was bought out by XXXX XXXX XXXX XXXX. I leased this car from XX/XX/XXXX through XX/XX/XXXX. The weekly lease payments were taken directly out of my XXXX earnings each week before I could even touch any of my earnings. I never missed a payment. When I terminated my lease, I called XXXX XXXX and they scheduled a pickup of my leased XXXX from my driveway. I was instructed to leave the keys in the XXXX and they would come pick it up on Monday, XX/XX/XXXX, which is exactly what happened. When I spoke to them on the phone, they told me that the final payment would be taken directly from my earnings as they always have up to and including the XXXX, and that there would be no additional charges. Everything went exactly as they described and I never heard from them again. 

The XXXX was in excellent condition when returned and nobody has reached out to me in 3 years to suggest otherwise. I have lived in the XXXX area, with an up to date legal address, the same phone number and email address as I had in XXXX and have never been contacted by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Receivables Performance Management, or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now, 42 months later, Im receiving letters from a debt collector which claims that I owe money to a company which has changed hands several times and I cant help but feel like they were just hoping I failed to respond to get a default judgement against me. 

I looked up this exact scenario online and saw that numerous other former XXXXXXXX XXXX  who leased through XXXX XXXX are now receiving similar letters beginning in XXXX, which I think deserves being looked into.
Product: Mortgage

In XX/XX/XXXX, XXXX XXXX  XXXX finance my home. I applied for the COVID-19 mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXX XXXX  XXXX XX/XX/XXXX. On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. 

I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. 

Unfortunately, I am still experiencing problems with SLS Mortgage. The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via Wire to SLS Mortgage for my XX/XX/XXXX payment. As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my accounts. However, the issue has not been resolved and I am getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment that they have received from XXXX but failed to post to my account. 

I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I was surprised to receive a credit alert that indicated that the collections agency, XXXX XXXX, had placed an amount of {$52.00} on my Equifax credit report for an apparent outstanding fee for car insurance with XXXX XXXX XXXX. 

Previously I had my car insured with XXXX XXXX, but had switched to another insurance company. Apparently because I changed insurance companies after the monthly due date, there was a prorated charge of {$52.00} that I now owed to XXXX XXXX. Neither XXXX XXXXXXXX nor XXXX XXXX made any attempt to contact or notify me via any means of communication, prior to them placing the collection amount on my Equifax credit report. At the time, that alert caused a drop in my credit score of over XXXX points. 

I got the credit alert on a Sunday, the very next day I contacted both XXXX XXXX and XXXX XXXX, to express my disappointed at their total disregard for a persons credit history. XXXX XXXX took my payment and assured me that the collections would be removed from my credit report. 

When that didn't happen, I contacted Equifax and requested that the collection item be removed. My argument at the time was and still is, this was not a credit transaction, neither was I made aware that the debt existed, nor was there any effort made to collect the debt before the collection was placed on my credit report. I was assured the collections would be removed, but only the amount was changed to reflect a XXXX balance. 

I recently completed an application for a mortgage, only to realize that because of the presence of a collection transaction on my Equifax credit report, there is a difference of over XXXX points between my Equifax mortgage calculated credit score and the XXXX, with an even greater disparity with XXXX. 

All this occurred because i wasn't informed that I had a balance to pay and despite my best efforts to have the situation resolved once I became aware of it.
Product: Mortgage

The Shellpoint Mortgage company escrow analysis is wrong. 
They are saying that I was negative XXXX in escrow. 
However, today this changed to another amount XXXX XXXX XXXX  So according to their math, they are saying that I did not make any escrow payments last year at all. My homeowners insurance was {$4700.00} and taxes were {$1700.00}. The total being {$6400.00}. 
When reviewing this information I have found that they did not apply escrow payments to my account as I was making payments. I average 3-6 months ahead on all of my mortgage payments generally making monthly plus payments. Those payments include a portion that goes to escrow for each payment automatically. 
They have added this negative balance to my current mortgage payment changing my monthly escrow to {$1000.00}. This literally means that I will be paying XXXX a year in escrow. 
As of XXXX XXXX XXXX  ( according to my account ledger ) my escrow balance is a positive {$870.00}. This is after my XX/XX/XXXX taxes were paid in the amount of {$1700.00}. Yet they say I am negative as of XXXX in the amount of XXXX plus. 
My homeowners insurance has yet to be determined as the insurance company non-renewed my homeowners insurance. 
I have been on the phone with the mortgage company and each time I have to go over this again and again. They finally see what I am talking about and promise to have it reviewed. Next time I call? I get to start all over again because no one did anything the first time. Just telling me whatever I want to hear just to get me off the phone. 
My house payment went from {$750.00} to {$1500.00} due to their mistake. 
Apparently, I am not going to get anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )