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

I have disputed these items on XX/XX/22, XXXX, and XX/XX/22 for the FCRA violation these medical collections are in violation and can not be on my consumer credit report. Equifax, XXXX, and XXXX have all broke the law and are now ignoring my dispute demands that the are legally obligated to.
Product: Debt collection

According to law 15 U.S.C 1692c, my rights have been violated by unlawful communcation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX   HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX  . A complaint of this also in State of Wisconsin Senators office.
Product: Debt collection

I have been receiving harassing calls regarding a debt for which I am not liable. Despite my requests for documentation, the company has failed to provide the original contract. 

I do not have a contract with Spring Oaks Capital , LLC, and the lack of cooperation is causing distress. I request your assistance in resolving this matter promptly. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my fourth endeavor i would like 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires.
Product: Debt collection

XXXX XXXX had me sign a contract for a service he does not provide. In the contract, he asked to be wired XXXX XXXX  but since he knew I could not afford that amount he asked for me to wire him XXXX XXXX  so that he could scam me out of my money! He is now sending me an invoice stating that I should pay him XXXX dollar because he is adding late fees and is threatening to ruin my credit! This man has a history of scamming people out of their money! I would wire him XXXX XXXX  and want my money returned. Please investigate this man and stop him from doing this to other people!
Product: Mortgage

On XX/XX/XXXX, and XX/XX/XXXX, my wife spoke with representatives from New Rez regarding our mortgage payment schedule. Both conversations took place on recorded lines and lasted approximately 15 minutes and 20 minutes, respectively. During these calls, New Rez agents explicitly informed my wife that a mortgage payment due on the 1st of a given month could be paid as late as the 1st of the following month without being reported to credit bureaus as a late payment. Specifically, they stated that New Rez does not report payments as late until the 2nd of the following month. 

Relying on this information, we made our XX/XX/XXXX, mortgage payment on XX/XX/XXXX, XXXXwithin the timeframe that their agents confirmed would not result in negative credit reporting. However, we later discovered that New Rez reported our payment as 30+ days late to the credit bureaus, which caused our credit scores to drop by approximately 60 points each.

Upon noticing the negative impact on our credit scores, we immediately contacted New Rez to dispute the inaccurate reporting. During this conversation, they acknowledged that an investigation could be initiated but required us to submit a written request via fax or mail. We have complied with this request and are currently awaiting their response. 

New Rez has confirmed that they will review the call recordings as part of their investigation, but they have not guaranteed that they will reverse the negative reporting even if they find that their agents provided incorrect information. This is deeply concerning, as their misrepresentation directly influenced our financial decisions and resulted in serious harm to our creditworthiness. 

Furthermore, this situation appears predatory and possibly discriminatory. My wife, who handled these calls, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There is concern that she may have been provided misleading information in an intentional effort to damage our credit standing, potentially preventing us from refinancing with another lender. Whether the misinformation was a result of XXXX XXXX XXXX systemic negligence, the result has been financially devastating to us as consumers. 

We are requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate New Rezs actions and require them to : Correct the inaccurate late payment reporting and restore our credit scores. 
Implement safeguards to ensure borrowers receive accurate payment guidance from customer service representatives. 
Provide transparency regarding their investigation process and criteria for reversing wrongful credit reporting. 
Determine whether there is any pattern of discriminatory practices in the companys interactions with borrowers. 
We appreciate the CFPBs assistance in ensuring fair and lawful treatment of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Mortgage

Following five attempts with XXXX XXXX to secure a loan modification, our loan was transferred to PHH Mortgage. They assured us it would be approved and proceed to underwriting, but we had to restart the process multiple times. After finally reaching the underwriting stage, our application was unexpectedly denied, and the reasons remain unclear. They're now refusing payments, and as a result, I'm forced to pursue XXXX XXXX bankruptcy due to falling behind after my wife contracted XXXX. 

I feel this whole process was designed to drag me deeper in debt with no escape. I provided everything they asked for on time and they found reasons such as oh well this isnt highlited. Unacceptable and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XXXX XXXX XXXX  to XXXX, Transunion and XXXX. Here are my tracking numbers ; XXXX : XXXX Transunion : XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute 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.
Product: Prepaid card

I made a purchase using my cashapp card from an online retailer thats overseas. Cashapp fail to protect my money on several occasions and give me a refund this is the first time me filing a complaint with you all against this company. I want my refund back ASAP.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Security Credit Service in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX XXXX Credit Report went down by XXXX points
Product: Checking or savings account

On XX/XX/2023 my XXXX account got hacked and the hackers took XXXX from my Chime account. I since then got a new chime card. I filed 6 disputes and 3 rebuttals and still chime still says no error found. I call and call and nothing happens I keep getting denied. I filed 2 police reports and still they have denied me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request the removal of all unknown addresses associated to identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX
Product: Checking or savings account

I was immediately denied opening an account with the bank. 

I reached out to the bank for information regarding why their decision was to decline opening an account, however, they chose not to communicate and instead provide a phone number for an outside consumer reporting agency, which was not, however, the agency the bank had listed on their declination notice letter and was not the agency they based their decision on. 

They based their the consumer reporting agency ( Early warning service ) which had no negative information about me.
Product: Credit reporting

XXXX inquiries were made to my Experian credit report on XXXX XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX XXXX XXXX XXXX. 

After a long dispute, XXXX XXXX confirmed that they were made erroneously and sent Experian a letter confirming that they were made in error. This was over a month ago. 

To this date, Experian has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The second inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The third inquiry is under the name " XXXX XXXX XXXX '' on XXXX/XXXX/16. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Experian so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX  XXXX and the major credit bureaus XXXX XXXX Equifax XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy.

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I received calls but no paperwork regarding this liability. I'd like this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of true name fraud and ha had gotten most of the issue resolved. Experian has refused to remove the items even though I have given them documents from the other credit reporting agencies. Ive been disputing these issues for a few years now. The accounts are XXXX XXXX, XXXX XXXX, and XXXX   XXXX. I dont know what these are and want them gone. There are also the addresses of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never been affiliated with these addresses. There is also 30 different variations of my name on my file that they wont take off. And also a list of inquiries that I dont even have an opinion to request a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed a dispute with XXXX. a few of my accounts which I paid off and have a XXXX balance they are still showing I owe that balance. how can this be dealt with improper information which it effects my credit and it's been a good two weeks since these payment balances were made. A few of the accounts show a XXXX balance but there are others that don't.
Product: Vehicle loan or lease

This complaint is about Ford Credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX In the last 30 days I ended up in the hospital. I call ford to work payment plan. I said I would give half the money now and the next half when I get paid. They came overnight and repo my car, after they agreed with a payment plan. I have XXXX and my wife does to. I was willing to pay to get my car back and ford said no. My wife and I both work and had no means of getting to work. We live in the area that there is no public transportation. On top my wife is undergoing medical treatment. For severe case. We have no means of getting two or from any doctors. I need. 
My car. If not my wife and I loose our jobs and my wife can not get to her medical treatments. Which is on going. We have no way to go to the stores and pick up our meds or food. I am XXXX  and depend on the car. Ford repo the car and said I have to wait and see if I will get my car back. We will loose our jobs and have no way to get my wife medical treatment. We need the car back. Please I have multiple jobs i can not loose this car. I want ford to return the car to me before it's too late. I promised to keep up with the payment.I fell behind when I got sick. Please I just need the car.
Product: Student loan

I took out a private loan in XXXX of 2008 to pay for school in the amount of XXXX. My father is a cosignor on this loan. Unfortunately this many years later I have only been able to secure employment that is equivalent to that of minimum wage, whether its not full time hours or a low hourly wage. I have rent, I have bills. My mother got sick in XXXX and my dad took off work to take care of her. Both have not been working. We have fallen behind on payments. I have done everything under the sun to fix this problem and I have come up with nothing. The loan is serviced through American Education Services and was originally a loan from XXXX XXXX, that has since changed to XXXX. I understand XXXX is in the middle of a lawsuit and I would like all the information pertaining to this as possible. When asking about deferment, forbearance, or forgiveness options, XXXX is very vague. I neglected to mention that the loan is now XXXX because all of the payments made have been towards the interest and not the principal. I have offered to pay the loan off in the amount of XXXX just so that this problem can be resolved I am awaiting XXXX XXXX response. This situation has me very stressed, angry, and depressed. I feel as if it is placing a strain on my relationship with my family. I am at a crossroads where I literally do not know what to do.