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

I am a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.
Product: Credit reporting

TransUnion has been negligent by willfully violating the Fair Credit Reporting Act ( FCRA ) by not conducting the re-investigation of my disputed information before the end of the 30-day period from the date they received my dispute on XX/XX/2016 and failed to properly verify the disputed information with the XXXX Recorder of Deeds. Please note that under the FCRA sectiXXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) TransUnion had a 30-day period from the date they received my dispute to verify and properly re-investigate the disputed information in question. 
This dispute pertains to my letter dated XX/XX/2016 in which I requested TransUnion to validate the state tax lien in the amount of {$2500.00} being reported on my credit report. TransUnion received my letter via certified mail on XX/XX/2016 and failed to respond to my request. I submitted a second letter via certified mail dated XX/XX/2016 informing TransUnion of their failure to respond to my letter on XX/XX/2016 about the inaccuracy they were reporting on my credit report regarding the state tax lien. I made them aware that federal law required them to respond within 30 days of receipt of my dispute. Not only did they violate the federal law under the Fair Credit Reporting Act, but also failed to respond to my dispute or provide me with any viable evidence, bearing my signature, showing the account is being reported accurately. This letter was received on their end on XX/XX/2016. 
On XX/XX/2016 I contacted the XXXX Recorded of Deeds office at the phone number listed on my TransUnion credit report to validate the information myself. Not only did they inform me that I do not have a state tax lien, but also that the XXXX County Recorder of Deeds does not report liens to the credit bureaus nor verify the information reported is accurate. 
Once again, I wrote to TransUnion via certified mail on XX/XX/2016 making them aware of the information the XXXX Recorder of Deeds had provided me with. I requested that they remove such entry from my credit file as it was being reported in error on their end and they were in violation of the FCRA, as they have not responded to my dispute as required within the 30-day period of receipt of my original dispute. 
On XX/XX/2016, I received a letter from TransUnion stating they had verified the information I was disputing since the beginning of XX/XX/2016. They did not provide any information regarding how, when, where, or with whom they had validated the disputed information which had been requested from them on multiple occasions. 
You will be able to verify with the attached documentation that TransUnion has not only willfully violated the FCRA but has been negligent in validating the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from Opp Loans from, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit card or prepaid card

I made a payment on XX/XX/19- I have the prrof of the call on my call log- I also have a confirmation number at home- however I am currently out of town on buisiness. I went to a resturant for my lunch and after my meal my card was declined. I called and asked why the card was not approved and they said my payment was past due- I advised I made a payment and they asked if it went through my bank account- after checking I said it did not. They said if I made a payment I could make my account active. I made a {$350.00} payment over the phone and they said my account was still unfortuently locked and that I would not be able to use my card for 24 hours until it cleared. I have been out of town for work and they are leaving me stranded with no money. I have been an excellent paying cutomer for 2 years with payment on time every single month and there is nothing they can do to help when their system caused the issue. I am not a fan of discover and I will be sure to let everyone know how bad their customer satisfaction is -- especially for a one time occurance. And not to mention the " missed payment '' is 4 days " late '', so not being able to unlock this acocunt that has always been in good standings is a little excessive.
Product: Mortgage

I HAVE APPLIED NUMEROUS TIME FOR A LOAN MODIFICATION AND THIS LAST TIME XXXX INFORMED ME OF A NEW PROGRAM CALLED THE LATE TERM STREAMLINE AND I WAS ELIGIBLE FOR THAT PROGRAM. LATER, HE SAID I WAS N'T ELIGIBLE DUE TO THE DRIVE BY BPO ( BROKER PRICE OPINION ) COMING IN AT {$510000.00} WHICH WAS DONE BY A REALTOR. I HAD AN APPRAISAL DONE AND THE VALUE CAME IN AT {$370000.00}. I TRIED TO APPEAL THIS TO XXXX XXXX AND BAYVIEW LOAN SERVICING, BUT WAS TOLD BY BAYVIEW THEY WOULD NOT ACCEPT THE APPRAISAL AND WERE GOING TO FORECLOSE ON MY HOME.
Product: Vehicle loan or lease

OnXX/XX/XXXXI received a call from XXXX XXXX in the Bankruptcy department demanding I pay past due of XXXX. She called harassing me a very rude tone. The demanded I pay one month car payment. I was advised to pay monthly what I can. No mini Miranda was given. The calling demanding to pay. Very hostile.I paid XXXX last week call again this demanding past due. 


Access number XXXX I feel I have been discriminated due to me being an XXXX American. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial misapplied my personal property tax payments made in XXXX, XXXX and XXXX, XXXX, resulting in their sending monthly billing notices to me throughout XXXX for XXXX-due. Despite my repeated attempts ( over a year ) to get the misapplications corrected, GM Financial would not acknowledge that it was their error until I finally located a customer service manager in early XXXX, XXXX who agreed and I reached an agreement to make a " catch-up '' payment in XXXX, XXXX once the account structure was corrected, which I did on XX/XX/XXXX. Instead, GM Financial that same month reported me as " past-due '' to the credit bureaus, despite the agreement I had reached with the customer service manager. This result is the epitome of a " Catch-22 '' and I view this as an unwarranted and untrue punitive credit reporting action, and my attempts to get this reversed or corrected have been ignored to date by GM Financial - it is evident that they have the " power '' despite the gross inequity of the action. The payment history GM Financial submitted in response clearly defends my version of how they misapplied my payments but conveniently omits any reference to the ongoing dispute I was trying to rectify for over one year.
Product: Checking or savings account

On XXXX XXXX XXXX  I went to an atm in XXXX XXXX on XXXX XXXX in between XXXX and XXXX. It is in the complex across from XXXX. I deposited {$500.00} into the my account through the atm and it took the money then crashed. The atm did not turn back on for a few minutes and by then I had deposited my money. I documented and tried to contact the company but since it was done around XXXX XXXX  nobody picked up. I searched in XXXX so I am reporting here. I tried to contact my bank also and got no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has the following unauthorized inquiries and I wish to have them deleted. XXXX XXXX XXXX  - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX. XXXX- XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

Several requests for XXXX in writing have been denied. Reason given : 1. Need at least XXXX years payment history ( we have more than XXXX, and now more than 2 years on this loan. We have never been late on any payment on this loan or any other loan dating back over 30 years. Reason given : The mortgage company 's " internal '' valuation of the property does not qualify. The loan balance is {$300000.00}. The value according to the mortgage company 's own website has been over $ XXXX for the past XXXX  months. Other valuation sites such as XXXX, XXXX, Offer Pad and others all estimate over $ XXXX. The property is a relatively new construction in a cookie-cutter neighborhood with regular sales comps for identical properties all sold for more than {$400.00} over the last XXXX months. This should be a slam dunk approval, but I keep getting run-around and stonewalling. Once a reason for denial is satisfied, another bogus reason is given.
Product: Debt collection

This company has repeatedly sent me a contract that does not have my actual signature on it. They have sent me the SAME DOCUMENTS TWICE, and they're not even what is required under the FCRA and FDCPA. Rent Recovery Solutions has not even sent me an original contract bearing my signature showing that I am indebted to THEM. I do not owe this company ANYTHING, and unless they show me a signed contract between myself and them AS REQUIRED BY LAW, I DEMAND they delete this account from all credit bureaus reporting it!
Product: Credit reporting or other personal consumer reports

Several unauthorized hard inquiries were added to my credit report on XX/XX/2023, XX/XX/2023, and XX/XX/2023 without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my Equifax., XXXX and XXXX credit profile and being reported to credit services who profit of old information.
Product: Debt collection

After the failure of XXXX XXXX my home is without working solar panels for years. 

The debt is owned by Goodleap who have not made any attempt in finding a new contractor or correct the problem. Instead they continue to attempt to collect on the debt with no resolution offered.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Product: Mortgage

My husband and I have submitted a loan modification 3 times in the last 5 months and keep being denied, due to monthly payment increase, according to Carrington mortgage. They will not work with us to help keep our home. I've talked to their loss mitigation department several times about this situation. They are also charging frivolous charges for things that shouldn't pertain to our situation. Every attempt of sending them money has been returned to us because the amount wasn't enough for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information that wasn't mine to Experian, they did an investigation that I have no idea how they kept erroneous information that I have no clue why it is on my credit report. They have name variations for me that weren't mine and addresses where I haven't lived and employers that I didn't work for. 

I contacted them and no one answers their phone, then the fax number where they used to accept disputes isn't working anymore, then they give me an upload link then it said it wasn't working. 

I am using this last process before I sue them in Small Claims Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not quite sure if I chose the best option but I believe this is what best fits my inquiry. I am working with a debt settlement company called Freedom Debt Relief and I am really questioning their practices. From my experience thus far, they seem to not attempt to negotiate any settlements once a Debt gets transferred to a Creditor 's Attorney. They just let those accounts sit there until I get sued and the buck gets passed on to a Litigation service that Freedom Debt Relief provides called XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I pay for separately. My problem is not the fact that FDR does not lift a finger to try and Negotiate a Settlement before the Creditors Attorney sues me, but, the fact that FDR still collects a settlement fee ( which is obviously high ) for doing absolutely nothing with that account. I am investing over {$1200.00} a month into this program and that is too much for accounts to just sit there until they ALL sue me and FDR will collect settlement fees for doing nothing. They claim that once accounts go to a Creditor 's Attorney that they make those accounts their top priority but I really do not see that as I already have been sued and XXXX to care of the settlement. And, now there was another account XXXX XXXX XXXX that has been with their Attorney for about 6 months and now they have sued me as well and it has been passed on to XXXX. Some of the email 's that FDR send to me state that they " Are not Attorney 's and Therefore Can not Offer Advice '' so that tells me that they DO NOT try and do anything with those accounts fallen to a third party. I do not remember this being explained to me when I first enrolled with FDR that they still collect settlement fees when they are not even touching those accounts. I also believe that there are certain creditors that do not negotiate with FDR even though FDR claims that they have worked with these creditors. I will be looking into other options when I speak to an Attorney as this is becoming a waste of time and especially money. I work too hard to pay companies to just sit back and collect fees for doing nothing. They have settled a couple of accounts.. one was a Lawsuit that NLLG handled ( FDR collected XXXX settlement fee for doing nothing ) and one small debt, but, this is irrelevant to all of the money I am investing into this program which is over {$11000.00} thus far. I believe this company is deceitful and is not completely honest about what they can do. And, I know that FDR has had problems in the past with consumer complaints that are very similar to mine. 

As far as dates, I started with FDR on or around XXXX of 2018 I believe and as far as other dates, I do know when certain payments were collected but I am filing a complaint because I really believe, like I said, that this company is in a certain very deceptive and/or misleading.
Product: Credit reporting or other personal consumer reports

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, I have received a letter from XXXX XXXX addressed XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to ask me for the inquiry regarding its dispute case ID XXXX regarding my Bank of American account # ending XXXX. It asked me whether I have any more rebuttal statement. At this moment, I would like to comment that you will give me further explanation on the banking documents originally sent by above-mentioned company, XXXX XXXX. This company asked me to make the correspondence with one of the Bank of American branches addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX ( XXXX ). Upon searching internet, I am not sure the legality of the information of this branch ; therefore, I have decided to share this information for security of privacy. 
Sincerely,
Product: Debt collection

I kept getting phone calls from Client Services Inc twice a day once in the morning and once in the evening. When I answered the call no one picked up and I hung up. This went on for months. 

Company address is : Client Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Spoke with : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

All completely useless and offered no information other than " they are sorry. ''