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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 section 602 of the FCRA, I am entitled to the right to privacy regarding my credit information. The inaccurate late payment entry on my credit report has not only damaged my credit score but has also compromised my financial privacy by revealing false information about my payment history. 

Furthermore, according to 15 USC 1681 section 604a section 2, a consumer reporting agency is prohibited from furnishing an account without my written instructions. In this case, Cherry Technologies reported a late payment without my consent or valid reason, which is a clear violation of this provision. 

Additionally, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if it has been made on time. I want to emphasize that I had indeed made the payment on time, and there were no legitimate grounds for Cherry Technologies to categorize it as late.
Product: Debt collection

Lockhart Morris & Montgomery has been trying to extort me for nearly 2x the amount I owe to XXXX XXXX XXXX. XXXX  XXXX XXXX only called me once to negotiate the debt before they sold it to Lockhart. I have the receipt in my email from XXXX for the true amount that I owe and it is only {$3300.00}. Lockhart says I owe them {$7200.00}. I NEVER took out any type of contract with Lockhart and have requested them to provide proof numerous times of any contractual agreement I have with their company. I do not owe a debt to them so I will not be paying them.
Product: Debt collection

I was never contacted or atttmpt of contact from the company kickoff. This was deleted last month. Even while knowing I was refused the rights from FRCA by not proving me any information. That I requested. Its plain as day on my disputes. I also was never notified of this account until reported negatively to my credit. This has been over 90 days. It was deleted last month and is back on my credit. I believe kick off is taking this persons. Im requesting they delete immediately from all three agencies. Nothing has changed from last month when it was removed except ignoring my required information for even longer.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is in violation of 48 of the FDCPA Laws as you can see in Exhibit A, B, C, D & E. Also they are in violation due to multiple phone calls I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC 1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond satisfying the FDCPA requirements. They have failed to do so on multiple attempts as seen in the exhibits they have continuously harassed me and continuously sending a STATEMENT and a statement does not constitute a Debt. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$48000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. If I do not receive payment for violations I will escalate this matter to court! 
Thank you, XXXX XXXX
Product: Mortgage

I had a mortgage with WF. I had a house fire in XX/XX/2008, when housing was crazy. I got dumped into that bad mortgage market although I was something totally different. Ending up in a foreclosure. YOU tell ME what they owe me please.
Product: Vehicle loan or lease

Today at XXXX XXXX XXXX, XXXX I called the local police about my car missing. They said they had no notifications of a XXXX XXXX XXXX  being repossessed in their system. I have an XXXX in the car so I showed them on my maps where it says it was. Well it said it was about XXXX miles away from where I stay. So they called the local police of that district who also said they had no repossession in their system for the vehicle either. Well we then told them where the tracker I hid in my car said the car was and they said that was a local repossession lot. But the lot had no name or number to call, nor did they notify the local police of my city ( Where the car was parked ) or Where the car is said to be according to my tracker in it. American Credit Acceptance when I called them also said they had no awareness of it being repossessed and when I asked them to tell me who has my car since they sent out the reposession order they didn't know who. Yet they still want me to make the payments but can't tell me who has my car.
Product: Mortgage

I was behind in payments and contacted ocwen for a payment plan. That plan they offered me was {$1200.00} a month for a {$500.00} a mo th mortgage. I asked what else can we do and ocwen told me a modification so I filed for that on XX/XX/XXXX. On XX/XX/XXXX I was told by ocwen the modification was held up by fha so let 's just do repayment and I said fine let 's just get mortgage current. Then I called ocwen on XX/XX/XXXX to confirm I can pay the 1st payment of payment plan on XX/XX/XXXX and ocwen had no idea what o was talking about and said I must apply for repayment plan. Ocwen reps are rude and not helpful and each rep lies. I am 3 months farther behind because ocwen can't figure out the repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back.

According to the las 15 U.S. Code 1681i Procedure is 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 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 to paragraph ( 5 ), begore 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: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are showing on my record that I did not authorize. Please see attached letter
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately.

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found.

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX revolving account with account # XXXX opened on XX/XX/year> balance {$340.00}. XXXX XXXX XXXX account opened XX/XX/year> balance {$1300.00} I am a victim of identity theft and I never opened this account. This is a violation of the FCRA and is also a violation of requisite Metro 2 Compliance Reporting Standards.
Product: Debt collection

These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 

1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} XXXX ) .account number XXXX {$480.00}
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan to purchase some shoes from XXXX XXXX. I never received the shoes from XXXX and then once I requested a refund affirm. They deposited {$46.00} into my account and the remainder {$80.00} they told me they had to give me a check because they couldnt deposit the money into my account which doesnt make any sense because if you were able to deposit the {$46.00} you could have deposit The rest of my money I dont understand I contacted my bank they canceled that debit card but they said it shouldnt be no problems with them refunding my money now they were able to deposit {$46.00} and the remaining {$80.00} I have still not yet received theyre supposed to send me a check within 30 days which is not fair to me
Product: Debt collection

I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you. 

Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX
Product: Debt collection

I'm getting repeated phone calls many times a month from this debt collector ( Transworld Systems Inc ) even after we have made payment arrangements to pay once a month. They always call even after I make a payment and continuously harrass us for more money. If I don't answer the phone I will get multiple voicemails. I want them to stop calling me altogether and allow me to pay the debt without being grilled and harrassed on when I'm making the next payment. They don't even wait a full 30 days from the last payment before they start calling for the next one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer
Product: Checking or savings account

my daughter saving account while she was attending the college in XXXX. This loan went into default after she transferred to a XXXX college in XXXXXXXX XXXX. Our lender received notice that she was no longer a XXXX XXXXXXXX in XX/XX/XXXX. Then our younger son became very sick and we could no longer make the monthly payments on our daughters loan. We tried to set up a new payment plan to get us back on track, but the servicer wont negotiate. We've been paying what we can but we still haven't reduced any of the principal on the loan.
Product: Credit reporting or other personal consumer reports

I received XXXX pieces of mail from XXXX XXXX XXXX ( I have no accounts with this bank ) The first is a letter stating that a request to open a deposit account has been denied ( I didn't try to open an account ) The second XXXX pieces of mail are XXXX separate identical checks for {$10.00}. stating " Enclosed you will find a check from your XXXX XXXX XXXX Prepaid card account. You will see this as a debit on your account.
Product: Mortgage

Ditech has received 3 payments from us on XX/XX/2016, XX/XX/2016, and XX/XX/2016 on our new home loan. Payments that were sent in on XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016 we were told that we had not made those payments. Just after our first payment was discovered that they did not receive, they sent us a check in the mail for that amount. Later after we repaid those funds and another payment and then got another check for {$5400.00}. I was told by Ditech that they switched everyone 's account numbers but we were never notified. When I did call, they did not have the correct mailing address in their system.
Product: Mortgage

Our mortgage is through XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, d/b/a/ XXXX XXXX as Trustee and our servicer is Fay Servicing. We had a loss of income hardship so I applied for a modification. On the application we had checked the box that said we wanted to keep the home. They gave us options were we would have to give up the house so we turned the offerings down. They started the foreclosure process because we could not make the payments. In the meantime, I had become XXXX and was waiting on the back pay to bring our mortgage current. I kept applying for modifications and we kept getting the offerings where we would have to move. I had checked into government plans and we did not qualify for any of them. I also applied for HEMAP and we could not do that because we could not afford to start paying immediately. Finally one modification they offered a lower interest rate and added the balance of the money we owed on the back of the loan but it was to be paid all at once. We could not afford that last end payment so we applied for another modification looking for something we could afford. It turns out that we did not understand that we would be able to refinance through another lender when that large payment came due. I contacted them to see if we could accept that offering since we did not understand it and they told us no. Since we rejected it, they could not offer it again because the rejection meant that we could not afford it. I applied over and over and kept getting offers where we would not be able to keep the home. My back pay from XXXX finally came in and we were able to bring the loan current. However, even with XXXX payments, it is still a hardship for us to make the loan payments. I applied again and they sent me a letter saying that we were not eligible for any alternative to foreclosure and do not quality for any available loss mitigation options. It just indicated that we would have to reinstate the account which had already been done. I am just asking for a lower interest rate now that we are paid up and they don't seem to want to help. Also, they are sending statements with " fee charges '' but no where does it say what it is for. It just throws a dollar amount in there. Our escrow amount keeps going up also even though our taxes have barely changed. I called the tax assessor to confirm and which she did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 120 and 180 days past due XXXX XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : XXXX
Product: Credit reporting, credit repair services, 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 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

when I was XXXX XXXX XXXX I went to XXXX for the car they end of picking the car for me. No one explained the contract to me it came with extra fees and a false contract none of the information on the contract is true. Under ( TILA ) ( ECOA ) ( Title X of the Dodd-Frank Act ). 15 usc 1681 ( I ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior ten years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Product: Consumer Loan

Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I contacted XXXX ( via ) phone 1st 2nd attempt was by letter again requesting a 1099-C since as it states on my credit report that this account was listed as a charge off. In which by 15.u.c code 1681 ( e ), along with 15 u.s. code 1681 ( i ) states in particular that income can not be reported on a citizens credit report. Since a charge off is taxable and considered income it should not be reporting a negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with you against Experian. So in retaliation Experian took a point from my XXXX without justification why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX