23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Credit card or prepaid card

Today I was called by a " locating company '', who misled me by listing their name on caller ID as a person, not a company, who told me to call XXXX and refer to case # XXXX. I called the number and they said they were an attorney 's office and it still shows on my credit report that I owed XXXX ( XXXX ) and now that they located me, my choice is to pay them TODAY or go to court. The man kept saying I was going to be sued. Numerous times, now that they have located me. They said they were suing me for breach of contract, in the amount of XXXX (? ) or I could pay {$2700.00} after I went to court. I said I had to call my son. I think I got this card when I was in XXXX, NC and we went bankrupt while in XXXX. We moved to Virginia in XXXX. 
I told them there was a statue of limitations and we had gone bankrupt. The man said there was no statue of limitations and I could pay or go to court. The man kept saying that it still showed on my credit report. In VA, the statue of limitations is 6 years. It has been 12 years and I do not know why they are harassing me now. My husband died, I live on a fixed income and there is no way I can pay this bill. Plus, it should have been taken care of by our bankruptcy. The man said the name of his company so fast I could n't hear it. I asked him 3 times who? I did n't understand the name of the company OR the man 's name. 
I lived in XXXX, VA for 10 years and I have received NO paperwork when I lived there. I moved, and I have received no paperwork since I moved to my new address. I have been here 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting

On XXXX XXXX, 2015, I sent a letter to Experian along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.
Product: Credit reporting or other personal consumer reports

These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Acount # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX  Account # 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 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
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper has failed to report that I have made my last XXXX payments on time thus impacting my credit score. My credit report shows I have no mortgage at all.
Product: Mortgage

Loan company was switched without my consent. PHH mortgage assumed the loan. The first problem is the consumer has no say in who services the loan. THIS IS MY MORTGAGE. I should be able to choose the store front that services this loan. I shouldn't be dragged around to every shitbag mortgage company that wants to make my life XXXX. This is XXXX of those XXXX  operations. XXXX was bad enough. I shouldn't have to relinquish my banking relationships with reliable and good banks ( read XXXX, XXXX, XXXX, etc. ) to get a dirtbag who wants to make a buck on when the payment arrives. This is XXXX of the XXXX  operations. I have barely received the loan information with this new lowlife outfit, and setting up on their unique XXXX website. I am not new to this game. These outfits live to prey on lower income people so they can tag them with fees. This is what CFPB was set up to push back on. I value your organization. Now it needs to go one step further. Stop forcing the American taxpayer to have their loans usurped by conmen like PHH. This loan was made possible by the Fed, which sets the discount window for banks, who then mark it up and loan the money to the taxpayer, who financed the Fed. The loans are then backed by XXXX and XXXX, financed by the US taxpayer, so a government entity, which have been bundled and then can be sold to any swinging XXXX XXXX ( PHH ) to roll in and buy it up. These outfits then nickel and dime the hapless consumer who has no say. We saw this movie with XXXX back in XXXX. XXXX created them to take 'toxic '' loans. Now XXXX outsources theirs to this XXXX outfit. Now along comes PHH, to make my life XXXX, when I would have stayed with XXXX or someone else. I could care less who actually is behind the storefront ( a la XXXX using XXXX ), but I want to choose my bank instead of being dragged around to then be harassed by some XXXX XXXX  outfit. The rub here is I am paying my loan within the generally accepted first XXXX days of the month ( investment home ) when most tenants have to pay their rent. Then this XXXX outfit tags me with a {$30.00} fee out of the gate, for being late. This would never happen at XXXX. So I will be rolling down to XXXX XXXX XXXX 's and XXXX XXXX 's offices to complain about this practice. IN the meantime I want this nickel and dime XXXX rolled up. No more sleazy mortgage companies whose sole purpose is to cashflow their operation on fees that are not good business practice. I never chose PHH and want my say in the process.
Product: Vehicle loan or lease

I got the car under pretenses in 2018 and let the car go after a few months. The company came to get the car, and now the company is trying to garnish my checks. They are a bad car company I should have read the reviews.
Product: Debt collection

This company continuously emails me telling me they are trying to collect a debt but I have n't received anything from the original company and the balance on my credit report states  XXXX  balance from the card company. I have attached the emails that I feel threatened by as well as they are going by 2 different company names. they are stating in email they are  True Accord b ut then comes and say they are  XXXX . I do n't have any contract with this company and they need to provide me with validation that I have an account with them.
Product: Debt collection

I do not have an account line this with XXXX XXXX XXXX
Product: Debt collection

Our apartment was managed by XXXX in XXXX ga ( XXXX At XXXX XXXX ) I spoke to the office telling them we were buying a hone and would be moving out in XX/XX/2019 thats when our lease was up so we wouldnt renew. The office manager was named XXXX she was fine with this and that was that. Closer to XXXX I spoke to the office and was informed they changed owner ship and that XXXX took all files the lady in the front office said its no problem because we never were late on our rent in the 3 years we lived in this apartment she said to email her a statement saying we would be moving in XXXX so I did. When I went to give them all the info about our move out date XXXX the property manger was rude and said he had no idea about this and that I didnt give them 30 days notice which I did but he was so mean very rude and told me the only way I could move out without being turned over to debt collectors was for me to wave my deposit and to pay for the month of XXXX which was {$1400.00} plus he kept my {$500.00} depot we agreed even XXXX I gave them my notice month ago to XXXX management and felt that it wasnt my problem if they didnt get all the records I couldnt have this on my credit so we just paid the money. We moved out on XX/XX/XXXX and I gave the keys back XXXX even tho I paid for that entire month XXXX said we had to get out we did we had our new hone so that was fine. Months later in XXXX I received a letter saying we still owed {$1200.00} in rent for our last month but this time it said they were going after my XXXX year old son then they sent more letters going after myself and husband. I spoke to XXXX and he said he took care of it but its still on my credit Iv called XXXX office as well and they say the same thing that I paid in full. I even paid XXXX {$50.00} dollars for some paper work that he said would definitely close this case and its still on my credit. I feel this is a scam Iv paid them so much and lost so much I did everything I was supposed to and told todo. Please take this off my credit I was never late on my rent and never was a bad tenant they took my deposit and made me pay for extra month for no reason and now they want more XXXX is the one in charge and I call him every week he still says the account is closed and we owe nothing
Product: Mortgage

I lost my job in XXXX 2015. From XX/XX/XXXX - XX/XX/XXXX, I received unemployment and continued to make my monthly mortgage payments. I applied for a mortgage modification ( unemployment forbearance ), on XX/XX/XXXX, when my unemployment payments were about to end. After 3 months of numerous requests for additional documentation, including requests for duplicates of documents already submitted, my application being sent to the underwriters at least 3 times, and numerous harassing phone calls, I was denied, without explanation of why I do not meet the requirements ( though I asked ). I am still unemployed, and now have no income. It seems to me that Nationstar is deliberately trying to await a default on my loan so that they can foreclose and take my home from me and my family. I am qualified for the Unemployment Program, and that could mean I would pay no payments for up to 12 months, which would greatly help me. My mortgage is paid up to date, yet I continue to receive harassing phone calls from Nationstar Mortgage, including calls with hang ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

An authorized inquiry on my credit report that should not be there XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Debt collection

CAINE & WEINER has flagged your account as Collections on XX/XX/2020. 

Source : Not known XXXX Company : CAINE & WEINER Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/2020 Balance : {$250.00} I have contacted this collection company and disputed on my credit file. The original creditor was XXXX XXXX. I have spoken to XXXX told nothing was owed when my policy ended. But continue calls from the collection company stating it doesnt matter if XXXX stated debt was paid collection agency can still collect. This company is causing my credit to drop for XXXX that I do not owe. Please help me. How do people get help if collection companies can put anything on their credit and harassing you over and over. They call telling you how they can mess up your credit if you try dispute something on your credit report. I have 2 credit collection agency who continue to remove the same item and reinsert it at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report listed as AFNI for XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for more than 8 years, yet AFNI has the date showing that the collection is from XX/XX/XXXX and now, after I disputed it, they have updated it to XX/XX/XXXX. The debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX for the past XXXX months trying to get a paper copy of my report because I was told when I try to get insurance that theyre reporting other peoples names at my address I continue to ask them not to do that to please remove it besides that I navigate the permission to give my information to anyone which they are doing. I try to get a report so that I can see everything they doing wrong. Ive called over XXXX times, they keep telling me theyre going to send that wait XXXX  days and it has not been sent as of yet I just called again and every time I call they make me stay on the phone like XXXX minutes asking me the same questions about my home address, my cell phone and my drivers license number then they tell me now that my license number is incorrect. I know my license number I have it in front of me so somethings happening. Im not sure what it is but I need help to resolve the situation. I need my report and paper form and I need them to not give out my information without my permission and when I get my report, I see all the incorrect information for them to fix it as well in a timely matter thank you.
Product: Debt collection

Urgent <p> Extension to the previously filed complaint # XXXX submitted XX/XX/XXXX <p> On XX/XX/XXXX, at XXXX XXXX an aggressive man, hired by JPMorgan Chase Bank banged on my door and demanded I open it. I was in fear and did not open the door to him. The following morning, posted on my front door for anyone to see was a lawsuit labeled from JPMorgan Chase Bank NA v XXXX XXXX ( me ). After my previously filed, and closed CFPB complaint, and regardless of my conversations with my creditor, my letters sent certified, and their receipt of {$12.00} XXXX in American Rescue Act Funds, meant to help people struggling with debts during a global pandemic, they sued me and successfully won the award of {$30000.00} on XX/XX/XXXX. The case was presided over by XXXX XXXX XXXX. 
XXXX Though I am unemployed and have no retirement fund, savings, or other assets, I am selling my home to pay the debt I owe them. Presently, I am in escrow which is supposed to close on XX/XX/XXXX. The hold-up is with JPMorgan Chase as the escrow officer is dealing with the matter has stated. Her address is : XXXX ( XXXX XXXX XXXX ) <p> Though my future is bleak, and I have nothing but this condo, I am selling it so I can pay JPMorgan Chase Bank. I wish to pay them directly and not some third-party attorney. I wish to pay them the award amount of {$30000.00} without post-award interest per the proceedings. I wish to pay them on or before XX/XX/XXXX but I can not do that based on how they've set things up. 
XXXX I ask the Consumer Finance Protection Bureau to connect me with the legal ( or appropriate ) department at JPMorgan Chase so that I may sell my condo and pay them their award. I need to do this quickly because we are scheduled to close in a matter of days. I don't agree that I owe any more that the award with was thousands more than I ever borrowed. Know that they only escalated my debts during the pandemic, and then sued me for more though they accepted government funds that was meant for the people. I would appreciate a contact person, with email address and phone number who can quickly address this matter, and accept my payment of {$30000.00} per their award WITHOUT POST JUDGEMENT INTEREST. 
XXXX> Every cent matters to me. My situation has only worsened since they were awarded this judgment and I need help clearing the debt. Further, you should know JPMorgan Chase was not required to provide the agreement between us during the proceedings, all calls and correspondence were not provided during the hearing, and they weren't required to mail me any warning letters because I had signed up for electronic statements. This should change for all consumers protection. 

Thank you for your swift assistance. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

On an attempt to balance my account I notice some unauthorized transactions and I've reported them however I'm very much disappointed with Well 's Fargo to have let this happen especially from merchant I've never done businesses with. 

Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I was affected by Hurricane Harvey and creditor would not assist in my distress. The vehicle was repossessed and auctioned off and balance was sold to XXXX XXXX, both have on my credit report and the amounts that are being reported are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2018 to XXXX XXXX which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from XXXX XXXX but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  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 finish 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.
Product: Mortgage

I started the loan modification process with Nationstar/Mr Cooper in XX/XX/year>. THey asked for documents, typical, and I uploaded everything in a timely manner. for the next 2 months, XXXX and XXXX, they kept denying my document uploads for reasons no one in customer service could explain. You CAN NOT speak with underwriting. The entire process is done online on their website. You only speak to a customer service rep who then sends emails to underwriting for you. I was told by them to not make payments during the modification process as I would then be denied for a modification. After sending in the same documents dozens of times, by scanning and uploading and also emailing to customer service, they finally accepted them all in XXXX. Then was told it take 30 days for a decision. Now at this time I was 60 days past due going on 90 days. At end of XXXX, my modification offer came thru, it was insane. Never was I told what or how it would be modified. They took my Balance owed with 22 years left on term, at 4.75 %, and created a new 40 year mortgage at same 4.75 % rate, lowering my payment less then {$300.00}? I told them no way, that they deceived me and had dishonest banking practice. I ended XXXX taking a personal loan to pay my mortgage back up to current to avoid foreclosure, I am complaining to the XXXX XXXX XXXX for this deceitful and dishonest banking practice
Product: Credit reporting or other personal consumer reports

Have called company XXXX XXXX XXXX. SYNCB/TJX-Synchrony is reporting account late on credit reports but payments were made before the 30 days. I have also contacted XXXX and opened a dispute. Balance history on credit report is not showing recent payments. 

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX