23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are the legal owner of the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX hereby formally demand that you cease and desist from making any further payments on behalf of the Trust to the tax authority related to this property. 
It has come to our attention that Core Logic has made a payment for property taxes that were not delinquent and without our authorization. This action is improper, unauthorized, and raises serious concerns regarding interference in my financial and legal affairs. 
I, XXXX XXXX, Trustee, hereby declare under penalty of perjury that : XXXX. I am the Trustee of XXXX XXXX XXXX and XXXX XXXX XXXX that is the legal owner { XXXX ) of the property located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 2. My property tax payments are up to date and were not delinquent at the time Core Logic issued payment.

3. I did not authorize Core Logic or any related entity to make tax payments on behalf of the XXXX 
Demand I demand the following : 1. A written explanation detailing why Core Logic made this payment, including the legal authority, if any, under which it was done.

2. Immediate cessation of any further payments related to my property without explicit written authorization from me.

3. Confirmation that Corelogic will not interfere with my property tax obligations in the future. Failure to comply with this demand will result in further action, which may include filing a complaint with regulatory authorities and pursuing legal remedies to protect my rights.
Product: Credit reporting or other personal consumer reports

Account kashable on credit report shows XXXX past due that inaccurate that account was XXXX through chapter XXXX bankruptcy and have documents from the company stating that account was XXXX through chapter XXXX.
Product: Credit reporting or other personal consumer reports

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the following disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer : XXXXXXXX XXXX ( Account Number : XXXX ) Issue : This account is reported as a charge-off with a balance of {$310.00}, despite being disputed multiple times with evidence provided. The information remains inaccurate and unverified. 
XXXX XXXX XXXX ( Account Number : XXXX ) Issue : The payment history and balance do not align with my records, and I request a full investigation into this account. 
To support my dispute, I have included the following documentation : A copy of my credit report with the disputed accounts highlighted. 
Evidence to verify inaccuracies, including payment records and correspondence. 
A copy of my government-issued ID and proof of address. 
I demand that Experian : Conduct a thorough reinvestigation of the disputed accounts.

Immediately correct or delete any inaccurate or unverifiable information.

Provide me with a detailed written explanation of your findings and actions taken.

Your inaction thus far constitutes a violation of the FCRA, and I am prepared to escalate this matter further if the inaccuracies are not addressed promptly. I trust Experian will adhere to its legal obligations and resolve these issues within the 10-15-day timeframe required by federal law. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The lender refuses to communicate with me. As a result i am unable efficiently apply for assistance with them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Upon reviewing my credit report, I have identified inaccuracies related to this account. I wish to bring to your attention that the bank, XXXX XXXX, has acknowledged an error in recording the payment for this account. They have agreed to update and remove the late payment dates and negative status associated with it. I kindly request your prompt attention to this matter and ask that you initiate an investigation into the reported inaccuracies. It is crucial to reflect the corrected information on my credit report to ensure its accuracy and completeness. I have attached documentation from XXXX XXXX confirming their acknowledgment of the error and their commitment to updating the account information accordingly. Account : XXXX  - XXXX XXXX  XXXX Open Date : XX/XX/2019 Balance : {$140.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Vehicle loan or lease

Toyota financial services knowingly and willfully participated in violating federal law and continues to do so at start toyota knowingly and willfully proceeded to purchase securities tied to a fraudulent scheme from the dealership ... ... .15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes prev | next Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

( Pub. L. 90321, title I, 112, May 29, 1968, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 2107. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX to discuss options concerning debt forgiveness of my federal student loan served by XXXX XXXX. 

He suggested that I transfer my student loans from my current provider ( XXXX XXXX ) to XXXX XXXX. He emphasized the importance of having an existing payment history and explained that if I have 20 years of payment towards my student loans, the government will automatically forgive my loans -- a claim he used to leverage my fear of having to pay my current provider a monthly payment of {$210.00}, if and once it comes out of forbearance. 

By doing so, his way of convincing was I could choose any amount to pay, so I told him if and when I do transfer to XXXX XXXX, I would pay {$50.00} every month towards my student loan balance. He asked me for my form of payment and details -- I gave him my credit card information. He then sent me docusigns which he told me was for me giving him the right to legitimately transfer my student loans from XXXX XXXX to XXXX XXXX. 

From XX/XX/XXXX and onwards, {$53.00} was charged monthly to my credit card on file -- an amount I assumed was going towards my balance. It wasn't until in XX/XX/XXXX, I received an email from XXXX XXXX about my payment ( account was still in forbearance ), I had then realized the loan transfer that had been discussed back in XX/XX/XXXX actually never happened and I've been scammed. 

I then called my credit card about this fraudulent activity which prompted Home Acceptance Corporation to harass me with calls to pay my balance. I refuse to pay for a service I didn't receive, which was what I told XXXX when i called Home Acceptance Corporation. Over the phone, when I relayed these concerns to her, she spoke as if XXXX XXXX and Home Acceptance Corporation are different companies, telling me " my team has been trying to reach XXXX XXXX but they haven't responded. '' When she said she will call back for updates, she never did. She even gave an option of emailing, which I did, and to no surprise, I never got an email back. 

The calls and harassment continued until I called back to stop calling me and to return my money. They told me the same story of how XXXX XXXX have not responded yet. Despite all of this happening, I continue to receive bills from Home Acceptance Corporation, which XXXX also told me over the phone she will stop billing me because of the reasons I mentioned. In addition, the bill by Home Acceptance Corporation has XXXX XXXX imprinted on the background, which leads me to believe they are one and the same.

To this day I am still getting negative reporting on my Credit Report and I have not been able to contact them to stop reporting this fraudulently established loan for services not rendered.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking and savings account as a XXXX XXXX with Citibank and referred a friend who also opened new accounts with {$30000.00} this same day which made me eligible for the XXXX bonus of {$100.00}. 

I have gone into the branch location in XXXX XXXX Florida at the XXXX XXXX several many times to have this bonus deposited into my account and also called which there is never an answer on their branch phone. I spoke with the manager XXXX XXXX ( XXXX ) and my account manager XXXX XXXX on over 5 occasions face to face both indicating this will be resolved. I have a file of email correspondence, Too date this has not been resolved XX/XX/XXXX. 

I spoke with a XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX both indicating that the bonus code was not coded correctly at the branch to apply the bonus. I was told I must deal with the bank as this was a branch promotion.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries i have no knowledge of here are inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Debt collection

On X/XX/17 MAS Financial contacted a friend regarding my car loan. At the time the loan was 22 days past due. This company has recorded messages that they sent 4 times a day on the second of the month when the loan is due on the first. I requested that my due day be extended to later in the month and they said it had to go to a committee and they would send paperwork. I asked a second time and never received the paperwork. When I received the loan they would not approve unless I gave them 8 references, which they used to call my friend. I have always paid a little late because I am XXXX yrs old on SS and the first does not work for my payment schedule. I have told them this and they still continue to harass me. I received an email from them and I wrote back with the time and amount I could pay and they said they ca n't take email arrangements. I wanted it in writing because they are despecible and not trustworthy. I called a supervisor they told me to call and they did n't answer their phone so I repeated the arrangements in English. I have received messages from a XXXX, who also called my friend, and it is all in XXXX. I speak english I have no idea what they are saying. They over stepped by calling a friend concerning my loan on a 22 day late loan. I think they should be investigated.,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Product: Checking or savings account

I went to Robinhood regarding a hacked account and asked them for help when I got a notification that my password had been changed. I kept getting asked to verify myself with a selfie or with my bank account or to verify my device. I also kept getting kicked off the app. It was very strange. Ive been an identity theft victim frequently since the XXXX breach in 2017 so many times my devices have been accessed, Im pretty much always being watched it feels like. I have a PI who monitors my things pretty diligently but sometimes thieves can slip through the cracks. I apologize that this occurred and Im attaching a few ID theft reports from over the years. Im happy to file a police report for this incident specifically if needed. Please let me know if that is something you might require.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Account : XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Mortgage

In XX/XX/2020 I started the process to refinance my house. My mortgage company is Loan Depot, after speaking with my mortgage broker ( XXXX XXXX XXXX  ) and getting the process started, he told me it looked we could go through Loan Depot and " upgrade '' to a conventional loan and that they would just need another appraisal and that would be good because the value of my house has gone up considerably since we purchased it. So the appraisal happened with a Loan Depot affiliate and it came back way low. This caused us to pause the process and reevaluate our refinance. In the meantime Loan Depot had already moved our mortgage into what I was told was " underwriting '' this makes it impossible to make the payment to the current loan without calling it in. Calling Loan Depot is a very difficult process very long hold times and many transfers to different departments within Loan Depot in an effort to figure out where to make the payment. I had the same problem every month. I got through XXXX XXXX and XXXX but many phone calls to do it. We revisited refinancing again after paying for another appraisal. This appraisal came back more in-line with the local market XXXX higher than the 1st. Since this second attempt it is even harder to get in contact with Loan Depot to make the payment while in negotiations.In XXXX I spent 5+ hours on the phone trying to make a payment they kept saying that they could not find my account " it must be in underwriting '' is what I was told again. I had them send me an email stating this as I was complaining that the payment was going to be late and I couldn't have it show up on my credit report because I was refinancing. XXXX XXXX assured me that wouldn't happen this was totally their fault. She follows up with the email and in the email and says that she found my account number and here is how you can make the payment. I try this and the automated system will not work. So it takes many more calls to finally make the payment but not until XX/XX/XXXX wich I paid both XXXX and XXXX then. 2 days later I get a notice from Credit monitoring app sends an alert that Loan depot flagged my account as late. This Drops my credit score XXXX points. I dispute this at XXXX and I called Loan Depot they said they would fix it. Next notification I get is from Experience saying that Loandepot has said that the late payment was accurate and they would not fix it. I called Loan Depot and requested a supervisor or manager to call me I was told they would call me within 24-48 hours. That was last Wednesday. I never heard from them.
Product: Debt collection

Spring oaks Capitol l is reporting to the credit bureaus stating I have a debit in the amount of XXXX with them. They have sent me emails with claims this debit was sold to them from XXXX XXXX. I don't have debit with and they're falsely reporting a debit in my credit report. I have disputed this several including a current dispute in process with XXXX.
Product: Credit card or prepaid card

I was charged to separate transactions on an American Express card of mine that totaled over {$30000.00}. Upon calling AmericanExpress, they agreed that these were not my spending habits and not to worry about it. Originally they removed the charges. Several weeks later I received a call from someone that worked for American Express. He stated that they have evidence linking the charges to me ( even though I could not imagine how that was possible ) I suffer from severe anxiety and when the man from American Express told me that if I did not retract my statements stating this was fraud then he would be reaching out to the FBI and I would be imprisoned for a long time. At the time I panicked and said okay fine just say they weren't fraud. He stated " I can't do that, you have to call the number on the back of your card and say it was not fraud. I did that. After a couple hours I thought something didn't make sense, when I called American Express they said they would never do that. A week later I called again and they said they can't help me. I requested all " proof '' they have of me spending this money, over a 6 month time period they continued to tell me that the proof was in the mail. It never arrived. I was put in a horrible position and suffered from this. I am not someone that won't pay my debts, I am not a criminal, I am not a crook, if I charged something I will pay it. But someone needs to investigate this, it is not fair. Please Help. Just ask for this " proof '' they claim to have.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Sometime in 2018 I reported a down line to XXXX in the back yard of the building I was at. The building had no power and I was not sure if the wire was live. In order to make the outage and service request they took my information and shortly after I received a letter in the mail with an erroneous electric bill. I called and told them the situation, which is that there was no electric bill in my name and that the information provided was only to put in the request because I thought it was dangerous. They told me they could not close the account because it was opened and had unpaid charges, which is not my issue. The person who opened the account was not authorized to do so and I have no idea what electricity they were claiming I used. The electric that was running to my area ( which I had found out was an illegal subsidy ) was not separate from the building 's main electric. There was never any electric bill there until I called to try to get help because there was no light and it happened shortly after a storm and I noticed a down wire. 
Completely fraudulent bill. They did not have any documentation to open the account and they refused to give proof of the electric service or close the account because I couldn't provide them with a lease, there was no lease. I was informed that in order to open the account they would have had to have a lease. 
I do not owe anything and the charges they sent to collections are now on my credit and affecting my score and ability to live and work. This company is completely fraudulent and should be shut down. I am taking them to court. I have been harassed, now punished, and had my credit blemished by their fraud.