23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went in to sign the documents for the transfer of the home to my Dad.s name and the loan officer XXXX XXXX XXXX NMLS # XXXX told me not to make the current mortgage payment, he stated that since it was transferring to my dad 's name I did not have to make a payment. In good faith, I trusted him due to him being a professional in the mortgage industry. Taking his advice I did not make the payment. 
I then got a notification from my credit apps that my credit score dropped XXXX points due to late mortgage payments. I was so upset due to my goal of always having good credit. I always pay all my bills on time. I let Mr. XXXX know of the situation, he let me know he was going to fix it and to give him until XX/XX/2020. He told me this on XX/XX/2020. 
I later found out he opened an account with the jewelry store in front of the office he works at. Mr. XXXX took me as a fool and said he contacted the credit department to fix my credit when in reality he opened an account under my name with my social security number without my permission. This behavior is completely unacceptable. I was furious with his actions. I never gave him permission to do that and to top it off him lying to me and telling me to give him more time, I have text message proof that Mr. XXXX lied to me and opened an account without my permission. I have contacted his office manager XXXX at Scenic Oaks Funding XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX. They continue to make excuses to meet with me. I am completely exhausted in this situation and am tired and disgusted with their practices and behavior. 
I sold this property due to my goal of buying a house and getting a school loan at the beginning of this year. this is a huge derogatory mark on my credit and now ruined my goal to buy a home due to Mr. XXXX 's unethical behavior. 
I do have proof of what Mr. XXXX has done through text messages he has sent me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I C System Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation Dear I C System Inc, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within XXXX days, as stipulated by the FDCPA. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Titanium Funds have reported my vehicle as paid off as of XX/XX/2022, this has negatively impacted my credit score as all of my on-time payments have not been recorded since XX/XX/2022.
Product: Checking or savings account

My wife recently passed away, I have her notarized will from her that transfers her assets to me. We have several accounts with Boeing Employees Credit Union ( BECU ), and there is one, maybe two that were old and apparently even though we were listed beneficiaries on other accounts, these individual account did not have that as these were very old accounts. BECU locked her account before I could transfer the funds out, I wasn't thinking otherwise I would have transferred out sooner assuming since we have joint accounts this would be no different. Furthermore, I am legally obligated to pay her taxes, and I can not do so without the account information in a 1099 form. My understanding is that a will is a legal document and recognized in the state and not requiring probate. I need access to that information. I am reaching out to your office for assistance as this " policy '' is not law. I have contacted legal assistance already on this matter. WA law where the bank is located states that will is sufficient in this case. See notarized will attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX  still continue to have a incorrect name on my credit report.
Product: Debt collection

called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. 18 U.S.C. 1028A
Product: Student loan

I was incarcerated and unable to pay my student loan and it went into default.I am trying to contact the collection agency that holds the loan.The company is XXXX XXXX XXXX XXXX. I have made numerous attempts to call them. I have sent email. They do not reply to my messages. I am working with XXXX  at XXXX XXXX and my adviser has also tried to contact them. I contacted Federal Student Aid and they can only give me a phone number that sends me to voicemail where I leave a message. Again, no one will call back. 
I started trying to contact them in XX/XX/XXXX and have made numerous calls each week ; too many to count. I need to resolve this and get my student loans out of default. I want to go back to school and this is keeping me from moving forward with my education. I appreciate any help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran unauthorized credit inquiry on my credit report.This is suspicious to me and so kindly delete asap : XXXX
Product: Debt collection

This is a fraud, looking for someone about a debt. Saying its from XXXX XXXX or somebody. This is not even a real debt collection company! The call every single day in the XXXX XXXX. hour. I have called and complained and told them this is an office but they always try to keep you on the phone to continue the scam ... and worst of all they are calling a company extension, not an individual. Arrest them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX  1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. AFNI INC. Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Someone XXXX  me an amount that my financial institution wouldnt inform me of, that person disputed the transaction and XXXX marked my account as fraudulent. Therefore, my navy federal credit union account was closed and my access to XXXX is terminated.
Product: Mortgage

We paid off our mortgage and the mortgage company never sent any paperwork or anything to us or our city or the credit bureau.We paid it off XX/XX/2021. We paid with a cashiers check XXXX my complaint number is XXXX the company is Nation star- Mr Cooper
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed inaccurate account ( s ) on my Experian reports. XXXX XXXX ACCT # XXXX. Experian have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted EXPERIAN and asked them to investigate and remove the inaccurate account from my consumer report that they're illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit Reporting Act XXXX XXXX Account # XXXX Has violated my right as a consumer. 
I never initiated nor authorized this account to be on my report. 
15 USC 1681 Section 602 A states my right to privacy consumer reporting 15 USC 1681 Section 604 A states Agency Can not furnish my Account without my written instructions.
Product: Debt collection

On XX/XX/XXXX - this company posted to my Credit report. 
I have phoned and tried to locate an email numerous times and have been unsuccessful. 
On XX/XX/XXXX - I sent a letter to verify validity of debit - I have had no response yet this company has been submitting to my credit report twice a month
Product: Consumer Loan

Santander reported inaccurate information that are Still having damaging effects on me and my credit. My insurance paid for my auto loan and this information was n't reported to the credit bureaus until just recently after I submitted a dispute. They are also reporting inaccurate late payments and refusing to correct or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX : {$7100.00} XXXX XXXX XXXX : {$3600.00}
Product: Debt collection

NCB Management was to take money out of my bank account every 2 weeks and were taking payments out weekly, increasing amounts that I DID NOT agree upon. This caused me to get overdraft charges from my bank and gave me enormous amounts of stress and anxiety. I contacted my bank and requested a stop payment in the amount NCB MANAGEMENT was taking from me weekly as it was supposed to be biweekly. Since doing so I am getting 5-10 calls per day from NCB MANAGEMENT. A man by name of XXXX XXXX is leaving me voicemails multiple times per day stating he is a debt collector. I have paid the debt in full and then some.
Product: Mortgage

In XXXXXXXX XXXX XXXX my basement flooded due to hydrostatic pressure. It was not covered by insurance. I needed {$20000.00} to cover damage before molding. I immediately applied for forbearance with XXXX XXXX XXXX XXXX. For six months thereafter I was given the runaround by the servicer who was denying my forbearance in order to extort me into a loan modification, which would not benefit me and would cause significant hardship by increasing mortgage payments. They drew out the application process, made me reapply three times, took my mortgage payments over the phone, applied payments to back payments, and then marked my credit negatively. I have finally given up attempting to get forbearance or deferment because they are systematically attempting to deceive me into a product that would extract a higher interest rate from me in my moment weakness. It is an abuse of power and they should have just been honest with me that I would continue to be denied from the beginning because as I later found out, they knew all along. They were not honest because they were hoping to back me into a corner so they could exploit my hardship. They have destroyed my credit, the whole reason I was applying for forbearance in the first place, despite my belabored monthly payment which were only taken if I call in and spent an hour on the phone.
Product: Vehicle loan or lease

I signed a contract with XXXX XXXX XXXX on XX/XX/18. I am XXXX yrs old. I was under the impression I was getting a good deal on a car. When I got home my daughter and POA told me I was driving a base model car and over paying for it. I was stuffed into a XXXX car payment for 72 month with outrageous fees for example, one that totaled XXXX alone. I was told I was getting a limited edition vehicle when it was a base model vehicle. My daughter called and spoke to XXXX XXXX about the issue and was told the vehicle couldn't be returned due to the 3 day return Law by the State of GA. I decided to keep the car and get it refinanced. On the XXXX I received texts and calls from the dealership that financing wasn't secured and I needed to bring the car back after I was told I did receive financing and the vehicle couldn't be returned, that I was approved for financing. I talked to a Federal Attorney who informed me I am being what is called YO-YO'ed and I needed to get the Attorney Generals office state involved so I am now informing your office of this dealerships practices and treatment of consumers. The dealership also mentioned I was getting a top of the line vehicle for my money. I have been being harrassed and threatened that I don't own the car, that I didnt receive financing and an approval, told I DID get approved but needed to COMPLETE the transaction? I am confused. When I tried returning the car I was told by the manager XXXX the car can NOT be returned it had been financed I have signed contracts and the 3 day window according to GA State Law had closed, then I was told I could trade out of the vehicle into a XXXX that had been sold after the calls started and after I was told the dealer couldnt SECURE financing all this after I was told the 3 days window had closed to return the vehicle. I dont understand whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting to the credit bureau that this account is a charge off, a charge-off account is a written off account as a loss and the account is closed to future charges, this is fraud, XXXX XXXX XXXX has been accepting a XXXX dollars a month from me on this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX highway XXXX XXXX va XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Re : Dispute of Charge-Off on Credit Report Dear Sir/Madam, I am writing to formally dispute a charge-off that has been incorrectly reported on my credit report, as provided by [ XXXX ]. I have reviewed my credit report thoroughly, and I believe this charge-off is inaccurate or incomplete based on the following reasons : Account Information : Account Name : CAPITAL ONE Account Number : XXXX Date of Charge-Off : XX/XX/year> The charge-off in question does not reflect the accurate status of my account or the payment history. It says several charge offs when you can only charge something off XXXX time. 

I request that the Consumer Financial Protection Bureau ( CFPB ) assist in ensuring this charge-off is investigated and removed if found to be erroneous or unverifiable. 

As per 15 U.S.C. 1681i, I understand that I have the right to dispute inaccurate information reported on my credit report, and I respectfully request that you investigate this matter on my behalf. The credit reporting agencies, under
Product: Credit reporting or other personal consumer reports

Please Delete all the inaacurate information listed on the letters i will attach
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a purchase on XXXX for a pair of hair clippers. I have yet to shipping information or the product causing me to feel it was an internet scam. I was provided an invoice and order number through Paypal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  the account was settled in full for less than the balance owed or deletion. The account is still being reported and it was paid for deletion.
Product: Debt collection

I have disputed this debt before with Sunrise Credit Services which has since been deleted from my credit report on XX/XX/2022 and closed however and for some reason they have placed it back on my credit report this year causing a negative impact to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

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

XXXX XXXX  : Credit bureaus must explain to us, why they change our credit score. They can't hide behind " multiple factors go into it ''.

Background : My credit score tanked by more than XXXX points recently, at all three ( experian, XXXX, and XXXX ) credit bureaus. 

There is no activity on financial front from my side. I didn't open or close any bank accounts or credit cards or loan accounts. I didn't fall behind on any of my payments. 
So I'm very surprised why my credit score would change, and that too, by such a large amount of XXXX plus points. 

Only thing that changed is that my mortgage was shifted from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acquired XXXXXXXX XXXX. That is not my fault. I haven't missed any payments. What can I do if the banks merged, and reported the XXXX XXXX  account as closed? 

I opened disputes with all three bureaus saying that I suspect that the merger activity is construed as if I closed the XXXX XXXX  account, and that I suspect this has affected my credit score. I asked them to confirm what caused the drop in score, and why. 

None of the bureaus explain why they reduced my credit score. Even after calling them repeatedly, they keep saying they can't explain why the score was reduced. 

As part of dispute resolution, XXXX and Experian bureaus checked with XXXXXXXX XXXX XXXX XXXX XXXX said all information on the report is correct. So the bureaus closed the dispute. 
I have yet to hear back from XXXX. 

I'm not disputing the information in the report, but I am disputing the fact that these bureaus have affected my credit score. My dispute is with the bureaus, not the banks ( as of now ).

The Bureaus have to explain why they have reduced my credit score, and they also have to explain why the two banks merging is my fault.