23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PLEASE HELP! 

I mailed AmeriHome a letter on XX/XX/2022 requesting debt validation. As of today I have yet to receive any type of correspondence from AmeriHome. This account is showing closed on my consumer credit report and reporting negatively. AmerHome first failed to respond in the required time allowance. AmeriHome has also failed to abide by the law in regards to debt validation. 15 USC 1692g. Due to the fact that AmeriHome has failed to validate that this account that is reporting negatively on my consumer credit report I demand that this closed account be remove from my consumer credit report.. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. I feel like AmeriHome is bullying me! I never authorize nor gave permission for AmeriHome to report anything on my consumer credit report. AmeriHome needs to respect the laws of a Consumer. As a consumer I have rights and AmeriHome is in violations of my rights. AmeriHome closed the account and continues to report it to the credit reporting agencies and a negative remarks. I don't understand how these companies can continue to report items. This account is causing me an inconvenience and so much stress because or the negative remark. I am trying to purchase a home. Due to the fact that its invalid and against the law if I am not able to get them to remove this closed account, I will be force to file a litigation. AmeriHome has failed me as a consumer 15USC 1692e, 15USC 1681b
Product: Debt collection

I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... XXXX XXXX XXXX, contacted me in representation of Velocity Investments another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.
Product: Mortgage

I am a XXXX % XXXX Veteran with a current property tax exception on my property. The Mortgage service company has failed to adjust my Escrow payment although I have already called them three times and have provided them with the required documents. Every time I call, they tell me the same story and give me a date they will complete the Escrow analysis ; however, every time the date keep changing with no adjustment to my mortgage payment. The approximate taxes and insurance payment at the end of 2018 is likely to be around {$2500.00} XXXX {$2000.00} for insurance and {$550.00} for Taxes ) however, there is already {$2100.00} in the Escrow account and I am due another {$540.00} payment to the Escrow on XX/XX/2018. At this rate, I will have over {$7500.00} in my Escrow account by the end of the year. I have contacted them three times since mid XXXX but have been unsuccessful in getting them to adjust my mortgage payment to the new tax rate. the last time I spoke with them, they said, a supervisor would contact me within 24hrs ; still waiting.
Product: Money transfer, virtual currency, or money service

I sent {$15000.00} in XX/XX/2021 to my family. But my family didnt receive the money yet, I dont why. My bank told me the money will be arrive within three to five business days, but its a month ago and noting changed. I dont have any criminal records and other bad background. I was just trying to help my poor family. I still dont know what to do and who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION Is reporting an Outstanding Student Loan. I have no OUTSTANDING STUDENT LOANS. 
Please for the love of God, Correct this matter.. 
You are too busy destroying the lives of hard working individuals,
Product: Credit card or prepaid card

On XXXX I made a purchase at XXXX department store. I made a split payment with my prepaid Serve American Express card and Visa card. On XXXX XXXX I returned the merchandise to the store and was issued a refund. In the same method I used to purchase. I was issued the refund on the Visa card immediately however my refund for {$29.00} never was refunded to my account. I contact the card holder and they proceed to tell me I needed to open a dispute. On XX/XX/XXXX I opened a dispute and over 12 days later I received a email to provide the receipt for proof of a refund. I provided a copy of the receipt. On XXXX I received a email from American Express stated my dispute was denied. I called the customer service number numerous time and can never reach a live associate. There is jo one to give me answer to why I'm out of my fund and merchandise. This company has been giving me alot of problems to give me my refund. I have all my paper work to prove I'm due my {$29.00} refund. This company is committing some fraud activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2000.00} they say I owe for medical when I have been getting social security since 2000 ... this is a dilemma that ones pull when me and my wife separate every time they used my credit to destroy my dignity and self XXXX.phoneix financial services ( XXXX ) XXXXthat is the company along with their number.Im XXXX  and this is bringing on another XXXX of my XXXX  condition. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account information displayed on XXXX, Transunion, and XXXX is inaccurate and incomplete on all accounts listed on consumer report. XXXX XXXX XXXX XXXX in particular is listed as a loan type knowing this was not a loan. This was a credit transaction for a credit sale, and I was not loaned any goods or services. It is a violation of the FCRA to knowingly furnish false and misleading information. XXXX is reporting XXXX XXXX information in the account type field therefore causing inaccurate and incomplete information on all accounts above. XXXX is not following the guidelines of Metro 2 that are in place to ensure fair credit weighing and reporting. 

XXXX XXXX was mailed a billing error pursuant to 15 U.S.C 1666 and therefore did not have and currently does not have the right to report payments as late pursuant to 15 U.S.C 1666a. Reporting payments as late is a clear violation of 15 U.S.C 1666 when said payments are in a billing error status. XXXX XXXX does not mail out disclosures as required by 15 U.S.C 1666b timing of payments. It would be impossible for XXXX XXXX to mail out disclosures at least 21 day prior to due date because they want a payment every two weeks, which is only 14 days.

15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions report containing information solely as to transactions or experiences between the consumer and the person/ corporation making the report is NOT included in the consumer report. However, XXXX is reporting this information. The reporting of excluded information pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 Compliance. Provide me with the Metro 2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reporting as late, collection, charge off status, and any other derogatory information deleted from my consumer report effective immediately. Please do not reply stating these accounts are verified or validated, as I am not requesting XXXX and its affiliates to verify or validate anything. If this is done it will not be in Good Faith but merely seen as a tactic to waste my time and further damage the livelihood of my family and me. 

All negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a Copy B of the 1099-C cancellation of debt. XXXX and the creditors reporting collections/Charge-Offs, lates payments/ any other derogatory information in my consumer report are in violation of 26 U.S.C ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If the forementioned derogatory account information is not deleted from my consumer report in a timely manner I will be forced to officially file IRS form 3949A and 211 against all entities involved.

The current status of my accounts is not correct. The report is not complaint with metro 2 guidelines. 
Charge offs is considered income by the IRS and should not reflect on a consumer report. 
False and misleading information on report.
Product: Debt or credit management

I am filing this complaint due to Acimas deceptive practices in managing my account and providing misleading information about their services. Specifically : The terms of the lease or credit agreement were not clearly disclosed, and I was misled about payment terms, interest rates, and total costs. 
Additional fees or charges were not transparently explained, leading to unexpected financial burdens. 
Their customer service failed to provide clear answers or resolution when I raised concerns about these practices. 

These deceptive actions have caused financial stress and have eroded my trust in the company. I am requesting immediate action to rectify this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX NCC/DEL XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

In XXXX of XXXX I switched auto insurance companies. XXXX  sent me a letter in the mail stating that I owed a partial balance but I did not receive it because I moved. In XXXX of XXXX they sold the supposed debt to " Credit Collections Services '' of XXXX. XXXX XXXX XXXX Ma XXXX. On XX/XX/XXXX Credit Collections Services started reporting this debit to XXXX  and XXXX but by XX/XX/XXXX the debt had already been paid to XXXX. When I disputed it with XXXX on XX/XX/XXXX XXXXredit Collections Services submitted false documentation to XXXX stating the debt was still unpaid. Despite me submitting documentation to XXXX and XXXX proving there is no debt owed, the false documentation submitted by Credit Collections Services caused my score to drop almost 80 points and they are still reporting this false information as of XX/XX/XXXX. I want this IMMEDIATELY REMOVED FROM MY REPORTS AND I WANT THIS COMPANY INVESTIGATED FOR THEIR FRAUDULENT PRACTICES!!! They have caused me physical and emotional harm, as well as major harm to my credit score and report, which I work very hard to maintain and keep positive. 

I have submitted documentation showing that on XX/XX/XXXX my debt of {$270.00} was paid to XXXX and according to them I do not owe anything.
Product: Credit reporting or other personal consumer reports

I applied for a credit card this past week from capital one bank and I received a notification that there was an account that was not satisfactorily I never have had an account with capital one this account was opened fraudulently its not showing on my credit report so I had no way of knowing about it capital one opened this account with it my knowledge I need this cleared up as I have never had an account with capital one I am a victim of identity theft and I have had numerous fraudulent accounts opened in my name with fraudulent documents but I did not know about this one as it does not appear on my credit report please help me get this resolved I called capital one and they tell me there is a 360 checking account and a secured credit card that were both opened in my name and they are unable to provide information and they are unable to remove the fraudulent account because they sold it to portfolio recovery collection agency they proceed to tell me to dispute with them I have tried my best the people at portfolio recovery are very rude they even told me I sounded like a female and said they needed to speak to XXXX  XXXX XXXX XXXX XXXX and they told me that the account was previously disputed and that the outcome would not change I need capital one to deal with this these are not my accounts they need to fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of the Transunion inquiry issue. I did not receive a letter within 5 days after all inquiries were removed from report and placed back on.
Product: Credit reporting or other personal consumer reports

Equifax has the obligation to report complete and accurate at all times. The FCRA prohibits CRAs from reinserting previously deleted information into a consumers credit file without first notifying the consumer of the reinsertion. I did not receive notification within 5 days for this alleged account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. 
This is a violation of my rights and has caused much distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, XXXX  and Experian and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Product: Debt collection

Debt collection company mailed me an attempt to collect debt, I mailed back a letter requesting validation of debt and specific items within the law I would need to validate debt, company mailed partial information along with a persons drivers license that had black sharpie over parts and I could still read all of the drivers license. I mailed back a second attempt to validate debt and have not received anything for over 30+ days..
Product: Vehicle loan or lease

The first thing that happened is they marked my credit with all these late payments when the government shut down. Under the cares act it shouldnt been marked late. They offered my deferments but charged me late fees for the deferment they offered. So I payed almost 800 dollars in late fees. The Last thing they did was charge me XXXX dollars in late fees cause the check I sent was 6 days late from them time they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 PENTAGON FCU Account Number XXXX XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AZ XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I periodically check my credit report and found an account that I don't recognize. This account is from Fair Collections & Outsourcing. I have reached out to them on XXXX XXXX, XXXX on this matter and informed them I do not owe this debt and to remove it from my credit report. They have not sent me a copy of the original application, therefore I am not liable for this debt. They have been constantly calling my phone everyday through out the day and it is causing me a lot of stress and anxiety. Please help in this matter. 

XXXX Fair Collections & Outsourcing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Ph # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX & XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. 
XXXX XXXX inquiry date XX/XX/2021 XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX  XX/XX/2021 2021
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any mail from the credit reporting agencies in relation to the information I have been disputed.
Product: Money transfer, virtual currency, or money service

I repaired my wife 's bosses roof since the first guy he paid to do it messed it up even more. Well when I finished the banks were closed and he said all he had was venmo he could pay me through that so I downloaded the app and he sent me the {$500.00} went through without a problem but then I tried to link my bank and debit card to get the money out and it said that bank was not accepted so I bought but to transfer to my account in which they said that it would take 24-48 hours to verify my identity and everything so my wife 's cousin said she also had venmo I could send it to her and she would pay XXXX  I went to sell my XXXX back and then was notified that it would be 5-7 days before I was paid for the XXXX which every single other platform I ever sold on was instant so after that I got a notice on my account that it had been suspended for suspicious activity. I asked in live chat what it was for and what was suspicious when they took my money in 6 secs to pay for the XXXX but 6 days to pay it back they could not give a a straight answer so the next day i called them only to be told tjay the department of specialist that was handled my case could only be reached by email and had no phone amd that they did not have access to why i was suspended i had to wait for emails that took 3-7 business day for a response each time then i got a email from the so called specialist that my case had been escalated to some other specialist and that they would email me in 7-10 business days. So now I am a week into this with still no answer or reason as to why I can't access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to  purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) XXXX displays 1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX Via XXXX XXXX 4.XXXXXXXX XXXX via XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) Equifax, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  5.XXXX ( 3 ) XXXX. 1.XXXX XXXX XXXX 2.XXXX  XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6 XXXX XXXX/XXXX XXXX XXXX 7.XXXX XXXX XXXX. 

I am XXXX, XXXX XXXX. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.