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

I submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4000.00}
Product: Mortgage

Today is XX/XX/2021. 
LoanCare/XXXX  is my mortgage servicer. They are holding {$7300.00} in escrow funds and are refusing to make a tax disbursement of approx. {$2900.00} that was due on XX/XX/2021. They said this is handled by a 3rd party company called XXXX and they can't control them. I will be charged a late fee from the town and this is holding up my refinance. I will also incur rate lock extension fees as we are waiting for LoanCare to pay my property taxes. I have called 5 times this week with no resolution. Horrible company. I'm sure this is happening to thousands of people across the great state of NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit
Product: Mortgage

loan # XXXX I have been researching how MERS Assigns its mortgages and MERS has told me that they do not keep the Promissory Note but only assigns the mortgage. 
SLS has told me that the, Trustee, XXXX XXXX XXXX XXXX XXXX is holding it but they are not the holders. 

I have asked SLS how did they come to have the promissory note when MERS assigned them the mortgage and did not assign them the Note. 

My question I keep asking is, how did SLS get possession of the original the promissory note?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some item resolve, closed, charged off, paid off and clear on 2020. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.
Product: Credit reporting

have complained to XXXX XXXX and filed a complaint with the XXXX 's office. This account was overcharged for usage and wireless internet access for over 9 months. Now XXXX XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past two years. Per the XXXX 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on XXXX Equifax credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following items as unauthorized and fraudulent : Fraudulent Accounts XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$880.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$8200.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$10000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX  ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$850.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$310.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$5600.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$850.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) Fraudulent Inquiries XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )
Product: Debt collection

I have never received notification of debt from original creditor. My first alert was the hit to my credit report. All I have ever received from debt collector were cryptic phone messages which said they could not discuss matter over the phone.
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. 

The following have violated my rights ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX aacount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX account # XXXX XXXX, XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX 15 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-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: Debt collection

I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.
Product: Mortgage

From XXXX to XXXX we were involved in a 'workout mortgage ' with Wells Fargo due to my husband 's job loss. 

This was the most miserable experience I have ever been thru in my life. We asked for a reduction in principle due to the reduced value of our home and was denied many many times. We had XXXX Wells Fargo Loan Officers assigned to our mortgage that would not return calls, mishandled documents, and consistently had full emails or voice mails. It seemed to have all worked out in Wells Fargo favor. Wells Fargo took the money from the government and instead of reducing our principle amount, we were offered a refi with all fees and charges included, so in essence they collected from the Tax Payers in a bailout of the mortgage industry and collected from us to save our home. So today, we have an awful loan that is still screwing us. 

During this process, we had XXXX drive by inspections with notes left on the front door. I have a XXXX '' tall file of correspondence and recaps of constant phone calls and letters to save our home, but twice, they sent inspectors by the house to see if we were still living in our home. WE QUESTIONED THIS AT THE TIME, and we were told this was standard to find a note on the front door and an extra charge added to our mortgage. I kept XXXX of the notes we found on the front door concerning these illegal inspections. 


XXXX courts have declared the inspections and fees as illegal. I want these charges paid back to my loan. I do n't care what agreement you all come to and what happens to everyone else, I want these charges paid back to my mortgage loan outstanding balance. It was wrong at the time, I told them it was wrong at the time. 


We have banked at Wells Fargo since XXXX XXXX, XXXX, we set up a joint account the Thursday before we got married.. My current Wells Fargo bank statement is XXXX pages long with accounts. How do you get these people to treat you fairly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX  and XXXX  has accounts on my credit report thats inaccurate/not mine.
Product: Credit card

Citibank initiated a balance transfer and it was canceled due to Citibank having the incorrect po box . Citibank refuses to update or change the po box in the system and every representative has told me there is nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with Tjx rewards around XXXX. 
I paid in full on XXXX and havent looked back until now. 
It says I paid on XXXX XXXX 2023 but that it didnt go through. Now my credit score has decreased immensely?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was settled for {$570.00} on XX/XX/2020 with XXXX XXXX Solutions for my Kohls/Capital One Account. The collector removed this collection from my credit report as promised however several attempts have been made to get Kohls/Capital One to update my balance. The balance has not been corrected and I have contacted Kohls more than once and disputed with the credit bureaus. Since Kohls stated they do not have the information. I have faxed the form and also requested the Collector to send to Kohls.
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, ( XXXX Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, 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: Credit reporting or other personal consumer reports

While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/year> they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report ( # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. 

I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.
Product: Vehicle loan or lease

Volkswagen Credit Account No. XXXX As of XX/XX/XXXX, there were three payments of {$310.00} due on the lease. The purchase option for the vehicle was {$13000.00}. Thus, the total due payoff the lease and to purchase the vehicle ( confirmed by phone by me ) was : 3 lease payments x {$310.00} = {$930.00} Purchase option {$13000.00} {$14000.00} The leased vehicle, a XXXX XXXX XXXX XXXX XXXX was traded to XXXX XXXX XXXX of XXXX, Ohio on XX/XX/XXXX. ( See attached Purchase Order ) XXXX purchased the vehicle for {$14000.00} and was supposed to pay off the lease and acquire title to the vehicle. 

I was unable to stop my bank from automatically paying the XX/XX/XXXX lease payment to VW Credit, thus I am due a refund of the {$310.00} payment. 

Volkswagen Credit has retained the {$310.00} payment and has refused to refund it despite my making a request on XX/XX/XXXX.
Product: Mortgage

Today, is XX/XX/XXXX, and I havd had numerous issues with XXXX XXXX/XXXX XXXX, XXXX, and its Curators, Attorneys ; as well as the Loan Officers acquired by the state of Louisiana. Due to discrimination and impracticable business practices has wrongfully forceclosed on XXXX XXXX. Please be advised I review my checking account with XXXX XXXX and discovered check # XXXX was issued to Seterus on XX/XX/XXXX. Seterus was unable to locate the payment, therefore, I submitted a money order and sent the payment by certified mail. Also, I requested Seterus to disgard check # XXXX. Today, XXXX, Region Customer Service Representative, located in XXXX, Flordia informed me the check wa processed. XXXX XXXX, Seteru Representative, informed me that the processed department wasn't able to identify my information. I have reported these incidents to Louisiana OIG office ; also, I filed complaints with XXXX District Court of XXXX XXXX and the XXXX District Court of XXXX XXXX. These courts postponed the litigations. Due to these courts ; as well as the Federal Courts located in Louisiana ; I had to file bankruptcy during calendar year XX/XX/XXXX. Please contact XXXX XXXX, Bankruptcy Attorney at XXXX for additional information. During XX/XX/XXXX until present property damages occurred on real estate and automobiles in the state of Louisiana. Due to the significant financial losses I am unable to obtain an attorney. The mortgages were filed in XXXX XXXX XXXX XXXX for properties XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, XXXX, Louisiana.
Product: Credit reporting 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. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against XXXX, XXXX, and TransUnion regarding inaccurate and unauthorized information on my credit report. Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain and are negatively impacting my XXXX XXXX. 

Details of Disputed Items : XXXX. Company Name XXXX XXXX XXXXl, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Issue : Unauthorized inquiry, duplicate account, incorrect balance, wrong account status Requested Action : Remove the inquiry, correct balance, update account status to closed XXXX. Company Name : XXXX, XXXX, and TransUnion Issue : Account marked as open when it should be closed, incorrect late payment reporting Requested Action : Correct account status, remove inaccurate late payment Why This Needs to Be Corrected : These accounts are reporting inaccurately and do not reflect my true credit history. 
I have not authorized some of these inquiries, and they should be removed. 
The information is causing unnecessary harm to my credit score and financial well-being.

Request for Investigation : Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate and verify the accuracy of the disputed items within XXXX  days. If they can not verify the accuracy, they must remove or correct the disputed items. 

I request that the CFPB ensures the credit bureaus properly investigate and resolve these issues. Please provide me with a written response confirming the actions taken. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX