23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After a mishap by my Property Insurance Agent who mistakenly did not report to my lender a copy of a valid Insurance binder as proof of my home owner 's insurance coverage, a force placed insurance was applied to my mortgage loan. The forced placed caused an escrow shortage which the servicer attempted to cure by increasing my monthly mortgage payment amount. This new mortgage payment amount proved to be a hardship to me which caused me to fall behind on my mortgage payments. After some months of trying to request a correction of the error. I was offer a Forbearance Plan by Kondaur Capital Corporation. However, in their effort to assist they made a fatal error that may cause me to lose my home. Attached is the letter written and dated XXXX XXXX, 2014 offering the Forbearance Agreement and the executed Forbearance Agreement. The problem is that the agreement directed for the commencement of the agreement initial payment to be paid by XXXX XXXX, 2014. This was a fatal flaw in the agreement. It provided only two ( 2 ) days. The letter was not received by the borrower thru the XXXX mail until the XXXX of XXXX, 2014. Nevertheless, the Borrower XXXX XXXX signed the agreement and mailed all XXXX of the required payments dated XXXX XXXX, 2014 to Kondaur Capital Corporation in advance in good faith ( proof is attached ). The Borrower subsequently received notice from Kondaur Capital Corporation that the Forbearance Agreement was cancelled because she paid the amount due after the required date of XXXX XXXX, 2014 as per the agreement. Months and months of trying to get someone at Kondaur Capital Corporation to acknowledge and correct their error went unanswered. To further exasperate this matter, Kondaur Capital Corportion refused to return the XXXX XXXX XXXX XXXX payments. Kondaur has since refued to work with me to correct their error and began foreclosure proceedings. To make matters worst, they transferred my the servicing and rights to my mortgage to XXXX XXXX XXXX XXXX in XXXX Florida. This new entity will not negotiate with me, will not cooperate to bring my mortgage current. In fact, XXXX XXXX XXXX XXXX is a XXXX real estate investment company whos objective is to accertain non-performing loans in the hopes of foreclosing on dismayed homeowners and reselling their homes at a higher profit. They make no bones about what they are doing. When you call their office at XXXX, they answer the phone inquiring " what property are you interested in purchasing and would you like a showing ''.
Product: Credit reporting or other personal consumer reports

I reached out to Citibank regarding the delinquent account that shows on my credit report with all three major bureaus XXXX, XXXX, and XXXX. I also started a dispute with Citibank, and I received a letter stating they couldn't locate any account tied to my name or social security number. This account is currently unverifiable and should have been removed from my credit report. I dispute this item as well with all XXXX  major bureaus multiple times. There investigation never lead to the removal of this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of XXXX and shortly before, I experienced significant financial hardship and reached out to Navient to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX XXXX. I did not know of IBR, and I thought that I was okay ( according to the Navient Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of Navient 's exceptional customer service that I received recently. I 'm hoping that Navient understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
Product: Money transfer, virtual currency, or money service

MONEYGRAM HAS FAILED AGAIN TO REFUND FRAUD INDUCED MONEY TRANSFERS TO XXXX FOR {$16.00}, XXXX. SEE ATTACHED INFO ...
Product: Vehicle loan or lease

I am filing this complaint against Consumer Portfolio Service, inc due to their willful misuse of my Social Security Number ( SSN ) without my consent, resulting in identity theft, fraudulent accounts, and severe financial harm. This institution failed to properly safeguard my personal data and misused my SSN to open unauthorized accounts, report false information to consumer reporting agencies, and violate multiple federal consumer protection laws. 

Details of the Violation : 1. Misuse of My SSN Without Consent : Consumer Portfolio Service, inc unlawfully used my SSN to process transactions and create accounts in my name without my knowledge or authorization. 
This resulted in unauthorized accounts appearing on my consumer reports, which I never applied for or agreed to. 
2. Fraudulent Accounts and Identity Theft : As a result of this misuse, I have experienced identity theft, unauthorized credit inquiries, and fraudulent accounts negatively impacting my credit. 
3. Failure to Safeguard Personal Data : Consumer Portfolio Service, inc failed to implement sufficient security measures to protect my nonpublic personal information ( NPI ) in violation of the Gramm-Leach-Bliley Act ( GLBA ). 
4. Harm to My Credit and Financial Standing : Due to fraudulent and inaccurate information being reported to consumer reporting agencies, my creditworthiness has been negatively affected. 
This has resulted in financial hardship, denial of credit opportunities, and emotional distress. 
5. Failure to Provide Proper Notices and Opt-Out Opportunities : Consumer Portfolio Service, Inc failed to provide legally required privacy notices under the GLBA and did not offer me an opportunity to opt out of data sharing. 

I have attached supporting documentation, including my credit reports, and any correspondence with Consumer Portfolio Service, Inc that demonstrates these violations.
Product: Money transfer, virtual currency, or money service

I was involved in a sale for a XXXX atleast it was supposed to be a sale but it was a fraud who I sent money to for the XXXX and the person never showed up. I called XXXX bank because they are my bank but I used zelle to send the money. When I called XXXX they told me to call zelle because they had nothing to do with that but when I called zelle they told me to call chase because they have nothing to do with that. I called back and forth between XXXX  and zelle and nobody helped me with the fraud issue. The total sent was {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint to FREEDOM MORTGAGE CORP for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX XXXX {$50.00} XXXX   XXXX {$200.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX  XXXX XXXX {$200.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX, XXXX and Equifax. 
In XXXX, XXXX, my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD  XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XXXX, XXXX. 
In XXXX, XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, XXXX and Equifax sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, XXXX   and Equifax on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to address the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and Equifax. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my report, I have observed discrepancies regarding an account with XXXX XXXX. XXXX reports the account as being opened on XX/XX/year>, while XXXX and Equifax report different open dates- XX/XX/year>. This inconsistency is not only inaccurate but also detrimental to my credit standing. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and XXXX report a credit limit of {$550.00} for this account, whereas Equifax reports the credit limit as {$0.00}. These discrepancies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are crucial in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 play a significant role in defending my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is also notable that while XXXX and Equifax report this account as current, XXXX inaccurately lists it as 90 days late. This disparity in reporting further underscores the need for immediate correction.
Product: Debt collection

I either moved out in XX/XX/XXXX or XX/XX/XXXX and they changed the date to XX/XX/XXXX I believe. They may work for the XXXXXXXX XXXX XXXX as far as I know. I also spoke with them on the phone and they lied and said they were not reporting a date of XXXX. I would like them to produce the original contract for proof. As I stated Im giving 45 days for this to be deleted or Im hiring an attorney that specializes in FCRA and Debt collection practices.
Product: Credit card

My credit was ran through all of these consumers and I am not the one who authorized it to be ran. 

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

Regardless of the multiple written requests, the unverified account listed below is stil lreporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX
Product: Credit reporting or other personal consumer reports

Not reporting to CRA transunion XXXX XXXX
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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX 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

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : Factual Data I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Resurgent capital services is stating that I still owe XXXX dollars on a charged off account and an account paid thru a settlement offer with XXXX XXXX. Also, on my credit reports, it shows this account being opened on XX/XX/XXXX which is wrong. It shows the XXXX delinquency on XX/XX/XXXX, how is that possible? It also shows that the date of major. delinquency XXXX reported is XX/XX/XXXX. Really? This account was opened on XX/XX/XXXX which is over 9 years ; too old and too long to be reporting on my credit reports. Resurgent is a fraudulent credit reporting agency that reports consumers information for wa_yy too long, especially minorities, but I am definitely going to share this same information to their corporate office as well.
Product: Debt collection

The week of XX/XX/XXXX, I received a called from a XXXX with prestige financial about a years old debt. I asked her why she deemed it appropriate to call me at work and how did she get that information. They do not have permission to call my place of employment as I have not given them consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband attended this university and we have made payment arrangements and have paid, but they have derrogattory on his credit and my credit and they have it duplicated were they have different companies charging us and destroying our credit score it should be on one of our  credit and not duplicated, it has affected our lives.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing today because I found some new inaccurate information on my credit. From my understanding, you have XXXX days to investigate and correct the inaccurate information you are reporting. Time is of the essence here because i am trying to get health insurance and my credit score is so low because of your false reporting. I am a consumer and you have to investigate this matter because of me notifying you with this letter. This is my 4th attempt to get this stuff fixed! Remove inaccurate info or I will be forced to seek further legal action! Bceause of your inaccurate error I can't put a new roof on my home
Product: Debt collection

I.Q. DATA INTERNATIONAL, INC is reporting a false outstanding debt on my credit report. I moved out of the apartment I was renting on XX/XX/XXXX. There was no debt owed to the apartment company at the time of move out. By XXXX, I received a letter from IQ Data International stating I owed a debt of {$290.00}, I sent a letter disputing the debt and got in contact with XXXX  XXXX XXXX ( TX ) ( owned by XXXX ) which was named as the creditor to whom I owed the debt. 

I.Q Data kept calling me regularly to recover this debt which I explained to them I did not owe but all attempts to have a reasonable conversation with them proved abortive. The collection agent stated I have a very good credit score and if I didn't pay this debt, they would not hesitate to report to the credit bureau, insinuating that I.Q Data International was ready to damage my credit score for a debt I do not owe. 

After several communications and indicating I was ready to file a lawsuit, XXXX XXXX XXXX ( TX ) provided me a move-out statement on XX/XX/XXXX showing the amount due was {$31.00}, which I promptly paid on XXXX XXXX, and a resident ledger was provided to show the balance due was now {$0.00}. 

I contacted I.Q Data International and was instructed to send the documents provided by XXXX XXXX XXXX . ( TX ) to the company. All documents were forwarded via email on XX/XX/XXXX. Thereafter, I.Q Data International stopped contacting me for the debt. 

By XX/XX/XXXX, I.Q Data International sent me a letter requesting the same debt of {$290.00} and went on to report it to the credit bureau as outstanding debt in collections. I filed a dispute with the credit bureau and it was taken off my credit report. On XX/XX/XXXX, IQ Data International reported this debt again to the credit bureau with an increased outstanding amount of {$310.00} and a new balance date.
Product: Debt collection

I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. 

This credit card is over 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 

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 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.