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

Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the XXXX credit reporting Agencies XXXX, XXXX  and Transunion that the incorrect report of 90 days past due mortgage will be corrected and the XXXX XXXX would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a XXXX XXXX below XXXX and a credit report from the XXXX agencies reporting a 90 day past due mortgage report by XXXX XXXX XXXX XXXX Loan servicing. It has been XXXX year since XXXX  received a full payment by the XXXX XXXX on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the XXXX credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the XXXX agencies credit report past due mortage with XXXX, the XXXX XXXX reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a dispute through XXXX XXXX on my Transunion credit report for a {$680.00} item from XXXX XXXX XXXX. On XX/XX/XXXX At XXXX XXXX I CALLED Trans Union and spoke to XXXX XXXX a supervisor who stated my call was routed to his location in XXXX. He asked me for my full social security number and my name and address. I felt uneasy giving this man my social security number due to all the scans that are happening with the overseas scammed. I have never been asked for my full social security number over the phone usually the last 4 digits will do. I explained to him that my investigation was due to be completed by XX/XX/XXXX and I received no notification. He stated that the investigation was completed on XX/XX/XXXX but I was never notified by email, US mail or a phone call. He said the creditor confirmed the debt and there was nothing he could do. This debt was paid and the contract between the dentist and myself was canceled. There is no avenues for a consumer to take to dispute eroneous information. The credit bureau takes the word of the creditor without any proof. I have 100 % on time payment history with my creditors. This one item is causing my score to be below XXXX. I will not pay for something that was resolved. This is a form of extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX card. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak XXXX but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express, XXXX, XXXX and XXXX are in direct violation of the FCRA Laws list below. 
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

Stop lying experian because your NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

The collection for an auto loan that I had was originally with Presolve Legal Group. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by Presolve. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called Presolve to get it and they keep telling me that XXXX has the debt now. 

I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times already over the phone and I am being pushed back to provide documents that are not required under the Fair Credit Reporting Act. I have sent what is REQUIRED in the case of identity theft. These documents were sent via post mail and I have included the proof of delivery. These documents have been received by Equifax, so the representative I spoke to on the phone is providing inaccurate and false information. I demand that these fraudulent accounts be deleted immediately as this is now damaging my consumer report. The allocated time for resolving this matter is well past it's deadline. Equifax needs to rectify the issue immediately. This has been going on since XXXX now, it is by far compromising my relationships with other firms.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX HM XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX  XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

My home mortgage was bought out by Chase after closing on my house. My PMI was suppose to drop off once my Loan to Value ( LVT ) ratio hits 80 %, my LVT ratio has hit 65 % and the PMI still has n't dropped off. I have contacted them 3 times and they are unwilling to drop it off saying I am not eligible, when the law and terms clearly states it drops at 80 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from Portfolio Recovery Associates regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My father transferred {$2500.00} money from XXXX to my account on XX/XX/. Unfortunately, he mistakenly entered one incorrect digit in my account number, resulting in the money being credited to the wrong account. Upon realizing the error the next day, my father promptly contacted his bank, which initiated the recall process. However, Chase Bank, where the money was mistakenly credited, has not taken swift action, and their wire department has not communicated with my father 's bank. 

Chase Bank credited the funds to an unverified account without confirming the correct account number and name. Despite my father 's efforts, almost a month has passed, and I have not received the funds. I mentioned some Ref no below Transaction No : XXXX Attention Investigation Ref No : XXXX XXXX XXXX No : XXXX
Product: Credit reporting or other personal consumer reports

Citizens bank was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.
Product: Checking or savings account

On XX/XX/2021, {$500.00} was withdrawn from my account from a check # XXXX thru XXXX XXXX XXXX XXXX. 

The check was paid to the order of an organization and apparently cashed by an individual. There is no bank stamp or any other information on the check In XXXX o XXXXXXXX I contacted the bank to resolve the situation. 
I received a letter with the bank image dated XX/XX/2021, and immediately called the bank to inform them that the check was fraudulently cashed, and they agreed to begin an investigation. Service Request XXXX. 

After 6 months and XXXX additional phone calls along with an affidavit from the intended recipient the bank has refused to return the {$500.00}. 

The bank is responsible for this check as it provided it and did not follow its own procedures when it accepted the check.
Product: Checking or savings account

This is a secondary complaint to closed complaint XXXX. In response to my last complaint So-Fi stated that they would be sending me a check via email for the {$5000.00} stolen from my account due to their lax security measures and my remaining balance of {$280.00}. The check in the amount of {$5200.00} was sent to me, but when my bank submitted the check for payment into a joint account with my son ( XXXX XXXX ), So-Fi rejected the check and did not provide the funds. It appears that they sent a check they did not intend to honor nearly to close out the initial complaint. My stolen {$5000.00} and remaining account balance of {$280.00} is still not back in my hands and is causing me to pay additional fees and interest on other loans due to the missing funds. 

So-Fi claims the fraud issues was on my end due to stolen email. However, outside of my So-Fi problem I have had no other instances of fraud perpetrated on any of my other banking or investment accounts, credit cards, or any other situation where the email in question was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard enquiry on my credit report as Below : Institution Information : Mb Fin Svcs XXXX XXXX, MI XXXX ( XXXX ) XXXX I tried to call the above number, called Mercedes Financial Services and also called the Corporate. They took all my information but have lost my application. I am no more interested in the application, but i see a hard inquiry on my credit score which was irrelevant. I called multiple times to the Dealership, XXXX, XXXX XXXX but everyone kept transferring me to other lines. Mercedes services has caused me a lot of pain in this process. They lost my details, Information and on top gave a remark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was approach by a scammer on XXXX who said she could get me a government Grant. All I had to do was get Google play card witch I bought two XXXX dollar ones. They got the numbers from the back of the card and took it. This happened on XX/XX/2021.
Product: Debt collection

This company has had a private phone number call me numerous times saying that I need to sign court documents and that they will be at my house. I received phone calls threatening to serve me by the end of day with court ordered documents. 

They called on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 I do not have a contract with this debt buyer. I would like the following provided to me : 1 ) An explanation of what this alleged account balance is for. 2 ) Acomplete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) If LEWIS ***************************** can not provided me with all of the following I request that this debt nullified and removed from my credit profile. Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC ****c ), You are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, telephonic communication and reporting this account to any consumer reporting agencies. 

I demand that you delete this tradeline from all consumer reporting agencies immediately. I am being harrassed and intimated by them and need it to STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is fromXX/XX/XXXX.

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.
Product: Debt collection

I am filing this complaint against Sunrise Credit Services XXXX for attempting to collect a fraudulent debt of {$3100.00} on behalf of XXXX XXXX XXXX. This is the second time XXXX XXXX XXXX has attempted to collect this same debt. The first attempt was through XXXX. Both companies have reported this fraudulent account, negatively impacting my credit despite evidence I provided proving the debt is not mine. 

Details of the Issue : 1. First Collection Attempt by XXXX  Earlier this year, XXXX attempted to collect {$3100.00} on behalf of XXXX XXXX XXXX for a phone bill that is not mine. 
On XX/XX/XXXX, I disputed the debt with XXXX in writing, including a copy of a police report documenting identity theft. 
I also worked with all three major credit bureaus ( XXXX, XXXX, XXXX ) to establish that this account was fraudulent and should not appear on my credit report. 
2. Second Collection Attempt by Sunrise Credit Services XXXX months ago, Sunrise Credit Services began attempting to collect the same {$3100.00} for the same fraudulent account. 
I contacted Sunrise Credit Services and informed them that the account is fraudulent, just as I had done with XXXX. 
I also sent Sunrise Credit Services a written dispute, again including the police report and other supporting evidence proving that I am a victim of identity theft. 

Ongoing Negative Impact : Despite my efforts, both XXXX  and Sunrise Credit Services have continued to pursue collection of this fraudulent debt. The repeated collection attempts have caused undue stress and have negatively affected my credit score, impacting my ability to access credit.

Supporting Evidence : Copy of the police report documenting identity theft. 
A copy of my written dispute letter sent to XXXX ( dated XX/XX/XXXX ). 
A copy of my written dispute letter sent to Sunrise Credit Services. 
Communications with all three credit bureaus confirming the account was fraudulent. 

Requested Resolution : I request the CFPB to investigate this matter and ensure the following : 1. Sunrise Credit Services immediately ceases all collection efforts for this fraudulent debt.

2. Any negative credit reporting related to this debt is removed from my credit file by XXXX XXXX XXXX, XXXX, and Sunrise Credit Services. 
3. Written confirmation from Sunrise Credit Services, XXXX, and XXXX XXXX XXXX that they will no longer pursue collection of this fraudulent account. 

Conclusion : I have provided ample evidence to prove this account is fraudulent, including a police report and dispute letters to both collectors and the credit bureaus. However, XXXX XXXX XXXX repeated attempts to collect this debt through different agencies violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request your assistance in resolving this matter promptly. 

This format clearly outlines the issue and your requests, ensuring the CFPB has all the necessary details to investigate. Be sure to attach all relevant documents when submitting your complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I also have fraudulent inquiries I attached with the FTC report of the 3 collections
Product: Debt collection

Disputed with XXXX to remove false information. Capitol ONE data breach exposed my information. then XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and put on my credit report. 
1.CAPITOL ONE XXXX XXXX XXXX XXXX  Then there's the matter of my information application to 2 credit cards. 
XXXX XXXX XXXX Hard pulls i did not apply for. Company has told me that im not in there system and they don't know why. Told to contact credit reporting company to have remove.
Product: Debt collection

I don't recall having a contractual relationship with this collection company credit collection services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

I applied for the SAVE plan in XXXX of 2024. My application was in process but when all the legal proceedings stated with SAVE, everything came to a halt, including processing of my application. Based on the legal ruling, I was supposed to be in administrative forebearance with 0 % interest rate from submission of my app through today 's date. Unfortunately, my loans were transferred to MOHELA for further handling, and despite several phone conversations about administrative forbearance promisded by the government, my loans have accrued interest during this peried and continue to based on interest rates shown on MOHELA account. In addition, although my loan repayment is not supposed to start during the forbearance, MOHELA continued to send me emails reminding me that I owe over {$2000.00} due each month. The automatic phone message when you call in says to ignore this notification, but I am worried that they continue to request money that is not due. I am a medical resident with a large student debt burden from medical school, and there is no way I can pay this amount per month ( when I earn about {$3200.00} per month ).
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear Mercedes Benz Financial Services , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.