23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I contacted Transunion because they kept removing than re-applying the same inquires after they were disputed then removed. They also had a man named XXXX XXXX on my file and I kept asking them to remove it and they ignored me. 
I requested they keep the original removed inquires off and someone kept reapplying them months later each time. It was XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion disputing the following items : XXXX XXXX XXXX XXXX acct # XXXX 30 days late This account was never 30 days late but was late 21 days after the due date in XX/XX/XXXX. I sent documentation showing 21 days late. 
XXXX XXXX XXXX acct # XXXX showing wage earner plan This account was sold to XXXX XXXX on XX/XX/XXXX and was paid in full. This company is reporting inaccurate information. 
XXXX acct # XXXX not my account and never had an account with them. 

I requested the method of verification that is my legal right which I have not received. 

This section 623 of the FCRA : ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this states I have the legal right to see the investigation process into these items that were disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I called in and advised Capital one I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.
Product: Credit reporting or other personal consumer reports

I sent 3 certified letters on XX/XX/24 XX/XX/24 XX/XX/24XX/XX/year>
Product: Credit card

This account was reported when covid 19 and I lost my job, there was a law in force that you could not report arrears on accounts during covid 19, so this report is considered illegal by then. Also i can paid this balance of XXXX but i want to be sure BOA delete this report from my credit file
Product: Debt collection

A collection company by the name of XXXX XXXX will call me multiple times a day and makes several threats about the account they own and that I have a choice of paying the debt or will have me arrested and prosecuted for check fraud.
Product: Mortgage

My mortgage loan/account has been transferred to.SPS ( Select Portfolio Services ) a couple of years ago. 
I had been granted with 1 to 2 years of the ability to to pay mortgage due to Covid 19 pandemic. 
I paid the amount back when I was granted with the payment arrangements after 2 years of not paying mortgage, and successfully made all my.payments through. 
When it came up to a Ballon payment, company requested me to request an assurance and submit the application.with all documentations required. I did it all and they still were not fixing the situation as making a payment arrangements by saying consistently that something still needs to be submitted. 
Finally, it came to the point of me owing the amount of XXXX XXXX dollars to be paid, which was sent to SPS by mail as 3 checks, making a payment if XXXX. It had been sent on XX/XX/XXXX. They said deadline for quote is XX/XX/XXXX. 
Mail was sent as certified mail through USPS which was not taken by right people, and mail had been delayed due to a mistake. 
Due to being behind the deadline, I canceled 2 checks ( XXXX XXXX ), and other one was issued through XXXX XXXX, which needed to be stopped by my son, as it was through his account. My son was told that it had been applied as a stopped payment and he had payment reversed the second day. 
So I went and submitted a wire payment of XXXX XXXX on XX/XX/XXXX to the account they had instructed to. 
Through the whole time, me and my friend and I were calling SPS, which, as they said were making notes and recording my communications for security purposes, and asked the representative of SPS not to touch the mail of 3 cashier checks as they were reversed into wire payment which was received by SPS on XX/XX/XXXX. 
They promised that it won't happens. 
Yesterday, my son 's account had been charged by SPS, and after calling 4 times to SPS this morning and talking to multiple individuals, we got an answer that the mail was posted to my past due balance, and wire to my principle, but the other representative said ot was done vs versa, and payments were received at different times, as wire was received on XXXX, and mail on XX/XX/XXXX. 
Besides everything else, it us went to all odds and I can not go on and on anymore as it is very overwhelming. I need assistance ASAP. 

Please contact me at XXXX. 

Thank you beforehand for you consideration. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$9500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I just have to pay approximate XXXX dollars for the medical debt. The Keystone law LLC. 
tel number XXXX tried to collect XXXX dollars. I accidently make the mistake to send them two time of XXXX dollars. They kept calling me to try to collect the wrong amount.
Product: Mortgage

I was told that because I was a veteran who made 12 consecutive payments on time I sas being given a rate reduction refinance free of charge at no cost to me of 1/2 % from 5.15 % to 4.5 %. 

If I knew what was going to happen or that it was a lie I would never have committed to doing a refinance. I feel that I was targeted in a predatory manner by my mortgage company. 

I am a XXXX veteran and so I get an exemption for my taxes and was waiting on a refund from my escrow account. 

In XX/XX/2019 I was contacted by my Mortgage company about this incentive to reduce my mortgage rate from 5 % to 4.5 %. 

After a short period, maybe twenty or so days, I was scheduled and had someone come out to the house to sign a very large amount of paperwork ( more than sixty or so pages ) where I was shown that my rate was going to be reduced by about 180.00 per month. I finished signing and the person left. 

About three months later ( XXXX ) I received my taxes due and called the mortgage company to submit the numbers and receive my refund of all the overpaid tax money in my escrow account because I receive a large deduction being a XXXX veteran. It was then that I was advised that my escrow account was emptied and used as an advance to pay down my principal on my house from the original XXXX to XXXX. 

Fast forward to yesterday where I received a letter from the mortgage company telling me my escrow account was now negative ( XXXX ) and I needed to submit a one time payment of XXXX to bring my escrow account to the minimum or if not, my new mortgage payment would now be an additional {$700.00} per month for the next year, which is more than I was originally paying. This in no way helped or benefitted me and has only put undue stress on my finances. 

This was obviously deceitful and harmful and I would have never entered into this deal if I knew this is what it was. Now I have no money for XXXX for my family and no money to cover the taxes due in XXXX for the XXXX district. I dont understand how this is even legal.
Product: Mortgage

On Thursday, XX/XX/XXXX, I spoke by phone with XXXX of the CFPB, employee ID XXXX. She gave me the number for HUD, where I spoke with XXXX who initiated a three-way call with Mr. Cooper where we spoke with XXXX who refused to give an ID number, location or her position. The call did not resolve the issue, but XXXX did acknowledge that I am not in arrears and never have been. I have never missed a payment. 
XXXX claimed that Mr. Cooper is " required by Washington state law '' to send me " pre-foreclosure information. '' This is a lie. There is no such law and I am not in arrears. 
XXXX did not resolve the issue. The most she would offer is to " look into the issue. '' She claimed not to be aware that pre-foreclosure papers had been sent over the course of many months. I do not believe her. 
And if it is true that Mr. Cooper/Nationstar doesn't know that these threatening documents are being to us, then Mr. Cooper is NOT monitoring its compliance with the XX/XX/XXXX settlement agreement reached between CFPB, Washington state and Nationstar/Mr. Cooper. 
Mr. Cooper 's harassment has caused me serious XXXX XXXX XXXX  harm. I and my husband are elderly, and have grave health problems - exacerbated by the continual foreclosure threats over a period of years. 
I am filing with Washington state a complaint of elder financial abuse ; for this is what we are experiencing. 
I need the CFPB 's assistance to shut down this continuing fraud by Mr. Cooper/Nationstar. 
Please help. I have attached some of the most recent documents, but have many more in my files dating back to when this problem first began ten years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion countless of times and was not successful with getting erroneous bankruptcies removed. They have verified a bankruptcy as Mine when it is not mine at all. It needs to be removed asap. No other bureaus are reporting this to credit other than Transunion. I contacted the bankruptcy court as well and they stated that they do not report the records of the court to any credit bureau. Contacting a third party is not sufficient evidence as it can be erroneous and is a violation of the FCRA. I will be contacting my consumer attorney if this is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to Experian Credit Bureau dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX  XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I sent a check to pay off my Comenity Bank/CEASARS REWARDS Visa card in the amount of {$4200.00} using check number XXXX. This payment was sent by mail from my home on XX/XX/23. I have provided a copy of the check that has cleared the bank on XX/XX/23. This check was provided due to a mortgage refinance to pay off my debts. Unfortunately, this payment has not been applied to my account. 

I have sent multiple secure messages providing an image of the cleared check, spoke with multiple customer service representatives, and am now being told that I need to submit a new request for review in writing as of XX/XX/23. I have never had this much trouble with a credit company researching an error that has been reported.
Product: Payday loan, title loan, or personal loan

To give truck back first and they would n't accept it. Then I became  XXXX  so I was n't able to pay anything. Then my husband sign a paper for the insurance to pay they paid it all but {$340.00}. Those bills have been there ov er seven years it has reached statute of limitation for Georgia. I 've also heard about the double dip where they change numbers and go back or a letter for it to go another seven y ears. That 's not right to the consumer. And the fair debt collection practice Act.This has been open  XXXX   XXXX ,  2010 .
Product: Credit card or prepaid card

I explained to the internal customer rep these 2 complaints are linked together. I had been paying {$100.00} per month previously. I left the part time job because the employer was abusive paranoid drunk. I have been trying to obtain a part time job and was trying to make contact with them at the time. They went into my bank account without my consent causing {$71.00} in overdraft fees. Then I did get a hold of them and did agree to terms with a verbally combative customer rep. While trying to not become XXXX. I have been paying monthly the agreed {$50.00} per month. He said they showed no agreement. I said that is a LIE!!!! I told the inside rep that the aggressive rep accused me of lying. They would roll audio tapes. I said go ahead. He got pissy when I refused to give him bank account information and told him I would send it from my bank to their bank. Then I hung up. I stressed to the inside rep I am not the only person this has happened to I know other former NC State workers this has happened to with Discover. I could go to small claims court and win on this one. Just because you take a payment once from my account does not mean you can do so here after.
Product: Vehicle loan or lease

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

This is my fourth CFPB complaint regarding Portfolio Recovery. I have requested in writing, and through previous CFPB that Portfolio Recovery cease and decist all communications with me. I yet again, recieved another letter from portfolio recovery today oXXXX XXXX XXXX XXXX The letter is dated XXXX XXXX XXXX 

This is the same letter I have recieved three times previously, after I sent the initial cease and decist request. Portfolio recovery is sending the same letters, over and over to further harass me. 

I am forwarding all communications to the State Attorney General for review of the blatant disregards to FCDPA rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX went to XXXX XXXX in order to complete a XXXX XXXX. Informed the sales representative XXXX that I already was approved and had financing through my credit union ( which I work for ) so that I wasn't there to get financing through them or have my credit run. That same sales rep left and came back stating they had to run my name and information through XXXX but assured me my credit would not be ran and it would not show up on any credit report. Less than XXXX minutes before he left I get a notification that my credit was pulled. Rep tried to deny it then later stated that it was miscommunication with him and the financing office. The sales representative 's manager then stepped in telling me to call tomorrow XX/XX/XXXX to get a letter to give to dispute it with the credit bureaus. Called the following day and was told I would get a callback in 5 minutes. I gave them an hour to make sure that they had enough time to generate the dispute letter and when I call back they tell me the manager left for the day because he was feeling sick. Manager 's name was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Hello. This is a response to a listing on my credit report. Please be advised that Penn Credit Corporation has reported " invalidated information '' to the credit bureaus ( XXXX, XXXX, and XXXX  ). This may constitute fraud under both federal and state laws. Also a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

On XXXX, XXXX XXXX XXXX placed an account with XXXX XXXX XXXX  on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number : XXXX ). This year ( XXXX ) CONSOLIDATED is trying again to place this account on my file ( for collection ) with a different collection company ( PENN CREDIT CORPORATION ). I am prepare to take legal action if this information is not removed from my credit file. Please assist. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a significant amount of information missing on my Experian credit history. This is leaving me unable to qualify for a home loan guaranteed through the Veteran 's Administration. A large part of a consumer 's credit score is revolving credit history, such as bank credit cards. I have a XXXX XXXX credit card. The XXXX XXXX card has been paid and reported TWICE now to Experian, in XXXX 2017 and XXXX 2017, and yet it still is n't appearing on my credit report. I have contacted XXXX XXXX and they have confirmed they reported the account information to Experian. They have my correct name, address, date of birth, and Social Security number. They have confirmed to me that they reported the correct name, address, date of birth, and Social Security number and account history to Experian. Yet, when lenders pull my report, the XXXX XXXX tradeline does not show on my history. As a result, my FICO credit score is lower than it otherwise would be, had Experian provided a complete and accurate report.
Product: Credit reporting or other personal consumer reports

The company listed has been continuously reporting incorrect fraudulent items on my credit report. Time and time again they delete these items and add back every few months after assuring me that these were accounts were blocked from future reporting, they completely lied to me. They continue to profit off fraudulent items being on my credit report. This is a violation of the FCRA and the company is abusing its authority by reinstating these accounts that resulted from identity theft. These accounts need to be removed permanently and I want to be paid 1000 per day for each day these have been defaming my name and credit report. I have lost out on many opportunities due to this improper use of my credit report.
Product: Credit card or prepaid card

LL Bean Mastercard under Citibank mailed me a promotion if I use my LL Bean Mastercard and pay with it for a utility gas electric cable etc I would earn {$25.00} rewards which they call bean buck XXXX bonus. After 3 months I haven't received one reward. Just get the run around 2 to 3 billing cycles system isn't reckoning cable as utility. Looking to get my bonus rewards as advertised.
Product: Credit card or prepaid card

I booked a hotel reservation through American Express for XXXX XXXX XXXX. Unfortunately a family member has fallen ill and wont be able to make it so I went through the Amex website to cancel it. I didn't realize when I booked the hotel, that it was non-refundable. 

However when I went through the website to cancel it, it stated I would receive a refund. Only after I submitted the cancellation was I shown I would not receive a refund ( I have screenshots confirming this ). When I went back through the booking confirmation email, it states that *this hotel is non-refundable and can not be cancelled* ( I have screenshots confirming this as well ).

So why was i able to cancel this in the first place? Why would i cancel a hotel reservation that i already paid for in exchange for nothing?

When i called Amex travel, the agents were polite, but none of them were consistent in their answer, one agent reinstated my hotel, but then another one cancelled it when submitting a case that was just refuted this morning. So now i do not know where i stand, and honestly, i am over talking about it with travel agents.
Product: Credit reporting or other personal consumer reports

Trans Union is reporting inquiries that are not authorized. I have provided letters from the actual companies and the inquiries have not been removed. 

XXXX XXXX XXXX ( unauthorized ) XXXX XXXX XXXX XXXXXX/XX/2023 ( agreed to remove due to unauthorized credit pull XXXX XXXX XXXX XXXX converted hard inquiry to soft pull The following were disputed via CFBP and Company agreed to remove but Trans Union is still reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX