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

I had a loan with XXXX XXXX they took me to court I won was dismissed in court and I've disputed it with all the court paperwork showing this count was disputed and I won it's in my favor I'm disputed it a few times with Transunion and XXXX but it just seems like they're not caring and they're not fixing anything they're taking their side over a court order it's a {$5.00}, XXXX XXXX XXXX there shouldn't even be showing on my credit report any longer it was dismissed an open court I sent the credit reporting agencies paperwork and they still refuse to fix it
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on Transunion and XXXX. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote Select Portfolio Servicing, Inc. and requested that they explain to me how a financial institution can dual use a Special Warranty Deed With Assumption. 

It appears that the financial institution recognized the legal standing of the Special Warranty Deed With Assumption by only dealing with one party and modifying the mortgage. By this I mean the financial institution used the Special Warranty Deed With Assumption to waive the requirement for the signature of the co-borrower when the mortgage was modified. 

On the other hand the financial institution elected to ignore the fundamental basis of the Special Warranty Deed With Assumption,  which is that the Grantee agreed to assume and promised to pay all principal and interest remaining on the mortgage on the property. 

The Special Warranty Deed With Assumption was completed as part of a divorce that took place 29 years ago. After 29 years Select Portfolio Servicing is listing the late payments on the mortgage on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing numerous times for equifax to verify XXXX XXXX XXXX XXXX on my report, equifax just update and didn't send no proof from this company that this account is valid. They are reporting this as a repossession, which is incorrect and fail to remove. Told me it was nothing they could do when this has been on my report since 2013. They allowed this company to send false payments reports without verifying. As a consumer I do have rights, especially when the company has used my credit report as leverage over me. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Thank you.
Product: Credit card or prepaid card

XXXX XXXX 2022 I purchased a netspend card and loaded XXXX $ on it so I could pay to take my class the next day. Well it gave me problems with activation and after missing. MY class I still had no access to the money. Called verification was done and still had no access to my mo ey and card was still on activated.
Product: Credit reporting or other personal consumer reports

I urgently and respectfully request that the Credit Bureaus remove these fraudulent inquiries from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any inquiries listed on an identity theft report. I have diligently included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit report within the next 15 days, I kindly request the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX ), Account # XXXX, has violated my rights XXXX 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 anted
ates 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: Debt collection

XXXX trying to purchase a home and I realized I have damages on my credit report. According to the XXXX XXXX XXXX law there should not be any damages on my report it is a defamation to my character. XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXX {$820.00} Several attempts trying to have this company verify this debit. Which only a bill as verification has been sent to me. nothing proving ownership such as a wet signature which has also been request prior per federal law and XXXX XXXX XXXX this information shouldve been provided to prove ownership. Also this police report that has been attached shows that I was a victim of fraud which they neglected to review. This information has been removed from XXXX XXXX XXXX XXXX awhile ago because they really put in the work to investigate the inaccuracies.
Product: Credit reporting or other personal consumer reports

Checker reported to XXXX XXXX  that I didn't have a driver 's license causing them to deactivate my account
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605B. I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. 
Please find the fraudulent accounts and inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I'm looking over my credit report and notice this company Reliant Capital Solutions. I have NEVER done business with this company and have never given them permission to report such information on my credit report. Additionally, this company has violated my consumer rights heavily. Under 15 USC 1692g, this company was suppposed to send me written notice with the amount of debt, name of creditor, my rights to dispute the debt WITH FIVE DAYS and I did not receive it. This company has been " verifying '' to 3rd party credit reporting agencies that this alleged debt is mine and valid without providing any proof to me or those agencies of how they are verifying and providing me a copy of the " evidence '' they are using to do so which is a violation of 15 USC 1692G ( c ). I have not admitted to ANY liability to this alleged account. I am demanding Reliant cease reporting of this information to credit agencies as they were never given my permission to do so. I demand to see the contract I signed with Reliant making me legally obligated to pay this account. I want to know who their client is that sold my information to them. I want to know if this client filed an insurance claim for this alleged " deficient '' balance and I want all of this info for my review in 30 days
Product: Credit reporting or other personal consumer reports

My wife reached out to because she XXXX XXXX and is trying to help me get a quote. She found that I have a fraud alert on my social security number/ credit report. Including I continue to be denied by XXXX XXXX  and I was denied housing due to this credit issue.
Product: Vehicle loan or lease

This is tied to complaint # XXXX. 

Hello, Thank you for your previous response. I went ahead and requested the official letter from my financial institution. It clearly lists my XXXX account, which is correct account that I used for the past 3 years. The Bank asks XXXX to remove negative credit entries as the customer entered correct amount and account numbers. The payment rejection and any subsequent delays are not customer 's fault. This is either the Bank or XXXX. You may contact XXXX XXXX XXXX to verify. Since, I have no proof of mailing my initial payment attempt ( USPS in XX/XX/XXXX ), you may leave XX/XX/XXXX ( 30 ) entry on my credit report. However, please do act in accordance with the letter from XXXX XXXX XXXX, and remove both XX/XX/XXXX ( 60 ) and XX/XX/XXXX ( 90 ) negative credit entries from all credit bureaus. Hopefully, this time we can finally close this case in satisfactory manner. 

Happy Holidays!
Product: Credit reporting or other personal consumer reports

Transunion is stalling again with their letter dated XX/XX/2024 which is included by id XXXX by saying I did not send them enough proof of address to look into my dispute so here I am including additional information labeled FEDERAL for my address. I have sent in several disputes with TRANSUNION regarding several unauthorized inquiries on my account supported by my letter to them. I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 1681 ( b ) -permissible purposes of consumer reports, so I am taking this complaint to the CFPB for remedy to enforce the law. I am also attaching my inquiry removal documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate non active account showing up as the outlined inquiries reporting and breaching my consumer privacy right.
Product: Credit reporting

On XXXX XXXX I attempted to get my credit report online. I do this every 4 months with a different credit agency in order to catch any problem, and was always able to get the information online. Imagine my surprise when I was refused an online report and was told I must submit XXXX forms of id. I did just as they requested and sent the proper forms, copied on XXXX blank page. Today I received a form letter from " Equifax Information Services '' that stated that the forms were not adequate and to send additional forms. I know the forms were proper with one from each category. I believe they are purposely delaying sending the requested information to avoid fulfilling Federal Regulations..
Product: Credit card

Had Business Credit Card since 2012. Last XXXX they sent an form in the mail requesting my EIN number SS number and drivers license. Mailed it back never heard anything else. 
I left for my vacation XXXX  XXXX for three weeks 3 day at sea got a emailed form my office that the credit cards are not working. Got to the next port of call and called them and they stated the EIN is not the right one. Could not get them to turn the cards back on so my techs could work and the auto paid bills would be paid. ; The banks I deal with I could not log in as i was in a foreign country and they do not allow that. My biggest service cal supplier shut all new calls and took back what was not finished as we could not service them. Then the phones went down and I could not do payroll as the credit card on file was not usable. So I had to lay off the crew as I did not get back till XX/XX/XXXX. Talked to Capital one after a few days the said they needed a FEIN number. I only have a EIN number as I am a XXXX  with XXXX owner. Per the federal government that is all i need as I file using my SS number. Have been doing that for 18 years.. Their answer was it is THERE policy a FEIN number is needed. SO now i have no business any more and layed off crew few days before XXXX. Why did the not send me a letter after they got the form. I would been able to move the prepaid bills to the checking account and gotten another card for the crew
Product: Debt collection

Midwest recovery systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.
Product: Debt collection

I had a personal loan that was paid through a garnishment back in 2016. World Finance continued to report a balance on my credit. They had been provided all documents from XXXX yet still reported the balance. My wife and I have contacted them by phone numerous times with no resolution. They did say that the original branch that held my loan account had closed and files were transferred so the records were not properly updated. Regardless of the fact that documentation was provided to them no change had occurred. Since we are closing on a home we felt trapped and paid the {$210.00} balance to get this debt removed. 
Due to their incompetence we requested the account be deleted from my credit. Now they will not even return a phone call.
Product: Student loan

I have been unemployed since XX/XX/XXXX. It has not been easy trying to pay my educational loan with NAVIENT. I recently was told that since I was forgiven for my federal loans, I could apply to the PSLF program. I have attempted on numerous occasions to speak with representatives about completing the form with no success. I am a former XXXX XXXX XXXX and worked for over 27 years in the federal government.

I have been paying over {$150.00} a month to NAVIENT. I have missed payments since XX/XX/XXXX ( 2 payments behind ) and have tried to lower them with no success. Now, I want to apply for the PSLF program, but I haven't had any success.

I am seeking assistance applying for the PSLF program for NAVIENT and getting my payments lowered.

I recently learned that NAVIENT is selling my loans to XXXX, effective XX/XX/XXXX. 

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

This my third ( 3rd ) time telling you that report is false, there are invalidated, inaccurate, and misleading items thats stressing me out. There are two laws which you are breaking 15 US Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 US Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. Trying to collected on false/alleged collections accounts Is a violation of my rights per 15 US Code 1692f ( 1 ). Please permanently delete : XXXX XXXX XXXX - Account number : XXXX Also with XXXX XXXXXXXX and my XXXX XXXX XXXX XXXX appears to have reported an late payment on my account which Is both an billing error violation and reporting error violation. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Such reporting has not been validated which Is my right per 15 US Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ). I asked that you please permanently delete this Inaccurate reporting : XXXX. XXXX XXXX- Account # Account number XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account number XXXX This type of reporting is false and misleading, as these alleged soft inquiries, hard inquiries, and promotional offers were not authorized so 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) stated they be deleted. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : 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

Experian is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please
Product: Credit card or prepaid card

I set up a PayPal account to receive my unemployment benefits by direct deposit and they permanently locked my account after I sent all the documents they asked for. And it was the only transaction made to the card.
Product: Mortgage

on XXXX revived a letter by mail where they inform me that I'm behind on my mortgage. I call and after 5 hours of waiting I showed them that they were wrong in XXXX XXXX XXXX my payment was XXXX. 
on XXXX we send payment and to the end of same month we send payment for XXXX the PHH company when they receive the payment and find out was short XXXX they decide to apply my payment to my principal with out authorization of of me or my wife. no call no email from PHH Mortgage and now they want late fees they report to the credit company 's. I spoke with the scalation team name XXXX employee # XXXX they told me they going to try to fixed. and after got another letter on XXXX where the try to charge me another XXXX for escrow same thing call and to today no respond from them. 
the problem with the company all the call go to XXXX over there no idea how or who can fixed. 
My NamXXXX XXXX XXXX XXXX # XXXX. I need help they need to they need to return the charges and fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 ) XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX   {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX   {$5000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.

6. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report.

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account.

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.