23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When my house went into foreclosure, in XXXXXXXX XXXX XXXX and I was forced to move out with a Writ of Possession. When the house was sold on XXXX XXXX XXXX XXXX in XXXX, NH XXXX and I had equity in this home. 
I was never allowed to save my home or given an opportunity to do a modification. 
I was informed that I was supposed to receive the remainder of the money of approximately {$29000.00} that was left over when the house was sold on XXXX XXXX XXXX XXXX in XXXX, NH XXXX. I had a first time home owners program and an FHA loan through HUD. 
I was the only individual who was living on the property and XXXX XXXX, my ex-husband had no legal right to any of the money that I was supposed to receive. I am concerned that something fraudulent occurred. 
I was supposed to receive approximately {$29000.00} and I contacted HUD who informed to contact the service provider which was Carrington MS. Carrington MS has not been transparent with me and I am concerned they kept the money rather than giving it to me. 
I was homeless from that point on from XXXXXXXX XXXX XXXX  until about a month ago. 
I am requesting an investigation as to where the remainder of the money when the house was sold through the foreclosure process. Unfortunately, when I was forcibly removed from my home I did not take any documents pertaining to evidence regarding my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX number is : XXXX My addresss is : XXXX XXXX  XXXX  XXXX XXXX  XXXX My employer is : XXXX XXXX XXXX My Date of birth is : XX/XX/1991 Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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 has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX & EQUIFAX:XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX & EQUIFAX:XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX  report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an EQUIFAX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet EQUIFAX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. EQUIFAX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Subject : Complaint against XXXX, Experian, and XXXX for Violation of Consumer Rights and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding the inaccurate and negative information they have reported on my credit report. This complaint is in connection with their blatant disregard for my consumer rights, lack of response to previous disputes, and failure to provide proper verification for the alleged debts. 
I have diligently followed the appropriate procedures to dispute the negative items on my credit reports that I believe to be inaccurate or misleading. Despite submitting disputes, none of these credit reporting agencies have honored my requests to rectify these inaccuracies. This repeated lack of action on their part is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I have not received any adequate method of verification from XXXX, Experian, and XXXX to substantiate the validity of the reported debts. As per FCRA guidelines, I am entitled to receive detailed information about the method used to verify the debts in question. The agencies ' failure to provide this information further exacerbates their violations of my consumer rights. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX. - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX, Experian, and XXXX 's negligent actions, my creditworthiness has been unfairly impacted. This not only affects my ability to secure loans or credit but also imposes severe financial hardships upon me. I am therefore seeking monetary damages of {$1000.00} for each violation of the Fair Credit Reporting Act, totaling {$6000.00}, to address the undue distress and harm caused by their actions. 
I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against XXXX, Experian, and XXXX for their repeated violations of my consumer rights. I trust that your agency will work to ensure that my credit report is accurate and fairly reflects my credit history. 
Enclosed with this complaint are copies of the previous dispute letters I have sent to the credit reporting agencies, as well as any correspondence or responses I have received from them. Please do not hesitate to contact me if any further information is required to assist in the resolution of this matter. 
Thank you for your attention to this important issue. I look forward to a prompt and thorough investigation into this matter and the resolution of the violations I have outlined. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Account Numbers is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXXXXXX XXXX XXXX XXXX  AND EXPERIAN REPORTS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my privacy rights by furnishing a consumer report in which I gave them no written authority to do so. They have shared this information with other which is also a federal violation. 

Pursuant to 15 US Code 1681b ( 2 ), a consumer reporting agency can only report with written instructions of the consumer to whom it relates. The CFPB states that identity theft is when someone uses any identifying information without authorization.
Product: Mortgage

Dear Madam/Sir, I currently have a mortgage and a HELOC with TD Bank. To benefit from the lower interest rates, I wanted to re-finance my mortgage and found a lower interest rate through XXXX XXXX XXXX in XXXX. With the new interest rate, our monthly payments will be approximately {$1000.00} per month lower. We locked in the new rate and completed our file, with everything good to go. XXXX XXXX XXXX got in touch on XX/XX/XXXX with TD Bank to secure the subordination of the HELOC. Since then, TD Bank has been unresponsive, except one email they sent on XX/XX/XXXX, asking that a check of {$220.00} be sent ( without specifying to what address the check is to be sent to ). Despite various reminders from me as the consumer and from XXXX XXXX XXXX, TD Bank has been completely silent - see attached copies of emails to this effect. As a result, we are at a risk of losing our lower interest rate. ON XX/XX/2021, we had to pay {$3000.00} to extend our rate-lock in ( and not to mention the {$1000.00} we are losing by not having the lower rate ), still while waiting for TD Bank to respond. When I call TD Bank and get managers on the phone, they consistently say the subordinations department does not have a phone number and the managers themselves can not reach them. I am at my wit 's end and can not believe that a financial institution like TD Bank is able to essentially hold us hostage. 

I am happy and ready to provide all details ( account numbers, copies of emails ... etc ). 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of the hard inquiries I want removed off my credit report by TransUnion below 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 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 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 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 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 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 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 XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and not recognized!!
Product: Student loan

I am XXXX and unable to pay the loan. 
The loan has been charged off, but is still showing on my credit report as paid late.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items 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 items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

I believe that I filed a complaint last year with you against Navient ( XXXX XXXX ) i was told that you could not help me at the time, however while you were investigating this they had sold my supposed debt and I being sued for this ridiculous amount they claim that I owe .All the things that I had said they were doing and more is the exact reason you have now gone to the federal courts to solve ... What can be done to help me now????
Product: Debt collection

I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call 4 or 5 times back to back and outside of the allowed times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report I noticed that there is a XXXX XXXX XXXX account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with XXXX/XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.
Product: Vehicle loan or lease

On or around XXXX my vehicle was stolen by XXXX XXXX XXXX please see police report number as reference to this complaint in attachment on around XXXX XXXX exter finance recovered the vechicle in mistakely reported the vechicle as repossed when In fact stolen from XXXX by XXXX XXXX this inaccurency is affecting my score tremendously to the point that I have been denied for a mortage I would like to add that Exter Finace even granted me extention be fore the vechicle wa recoverd my lender in I tried several times to get Exter Finance to remove this inaccuracy from my report in thier refusal proves this is in clear volation of the fair credit reporting act 15 U.S code 1681 ( 2 ) ( 1 )
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was reviewing my consumer report when I came across some accounts that were incomplete and not accurate. I sent dispute letters to Transunion credit bureau as well as XXXX credit bureau, I then requested that they look into this inaccurate information that was being reported, for completeness and accuracy. I then received answers form both XXXX and TRANSUNION credit bureaus and noting was done about this matter. 

According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report 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 to.

According to 15 USC 1681 i ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation. Enclosed is a list of accounts that are not reporting accurately. XXXX  XXXX Bankruptcy account no : XXXX, Furthermore I am enclosing a letter from the creditor of this account which states that the Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies, also Account XXXX XXXX account no : XXXX Transunion Please delete these accounts immediately because of violation of 15 USC1681s 2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX report a negative balance on my credit report causing my score to go down. XXXX XXXX then closed my account and hasn't returned and interest to me. XXXX XXXX is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX  XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Rebuplic Finance has violated my rights as a consumer by using unethical and predatory loan practices during the Covid-19 pandemic. My hours were cut at my job and I informed Republic Finance of my financial distress and uncertainty of my income. Not only did they call 2 times a day requesting payment but they also sent multiple letters requesting payment that led to additional emotional distress for me and my family. I have made on time payments since my first payment on XX/XX/XXXX. I called to request a relief due to loss of income and was told that the only relief that could offer was a one time reduction in payment that had to be paid right away on XX/XX/XXXX. I explained that I didn't have anymore income to replace what I had in my account and was told they only have that solution. The loan is predatory in nature with a 39.180 % interest rate and I had to list the televisions in my home as personal property collateral. Republic Finance has engaged in enfringement on my right to privacy, harassment from the multiple calls and request for payments. Statements from company were false and misleading and the constant communication has led to undue emotional distress.