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

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion have not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

XXXX = XXXX did an unauthorized hard credit check when i did not apply for a credit card. This caused a drop in my credit rating. I am notifying Transunion and XXXX but have been told that they will not remove it. I believe that this is totally unfair and illegal and they should fix my credit rating.
Product: Credit reporting or other personal consumer reports

Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
XXXX XX/XX/2023, EXPERIAN XX/XX/2023, XXXX XX/XX/2023. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

Having checking account with Chase Manhattan bank regularly paying my Chase Manhattan bank credit card balance from my Chase account. In XXXX similarly arrange on Chase website payment from my Chase checking to my Chase credit card - {$490.00} for XX/XX/2023 having sufficient funds on the checking account funded with my Social Security benefits. Then Chase Manhattan Bank denied the transaction, sending me a letter-attached that recommends to contact my financial institution in order to clear the transaction and providing for my convenience the XXXX number of the institutiion - their own number. My attempt to resolve the issue connecting Chase via phone, and secure messaging did not come to results with cliche responses - " cope and paste '' contact your fiancial insititution to allow the transaction. I believe it is fraud focused on extortion late fee and interest payments to the bank. My majot concern is that if Chase Manhattan bank commting sch frauds what is a status of our banking system.
Product: Mortgage

My name is XXXX XXXX XXXX am writing you in regards to the Mr. Cooper settlement I was told by the Atty Generals Office to contact you Identifying myself as a claimant I Have been dealing with this company regarding the modification forced upon me. They first approved a forbearance where I had to pay half my mortgage for six months which I did all on time I have never ever fallen behind on payments my reason for the forbearance was due to illness. I later learned they could have asked for the difference to keep me on track what they did to me was force me into a 40 year mortgage which during the XXXX Modifications should have lowered my interest which never happen and they also gave me a 40 year loan when I could of paid {$3000.00} to put the account up to date when I tried to get this looked into they only told me to make an additional payments every year to try and catch up. This is not right I just learned about the settlement from the Attorney Generals office my understanding is That the settlement is approximately awarding about {$1500.00} to each borrower that is a disgrace. I have worked till the day I got sick a single mother trying to get by. When diagnosed I received the meds that would get me through at least work part time also preparing for a child entering college the 21 years I have had this home never have I missed a payment they would call and harass if I went into my grace period charging me if I paid it on the last day when I knew I had to pass that date to be late. I don't know if you make any decisions or if I need more explanations but shouldn't they go back and correct the math on the money they have stolen from us the customers and put our accts with a credit if not paid off or do they get away with it I paid {$130000.00} in ten years I do need the exact date to be correct on how long this was. I have suffered cried for months and stressed this for years. Thank you for your attention, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I have been seeing inquiries the past few weeks and I have not made any inquiries. Please delete them from my report XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX : :XXXX Show Details XXXX/XXXX/16 XXXX : :XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 I have tried to get Equifax to do this but I do n't get a response and just less than 4 weeks ago I had XXXX inquires. I do n't know how this keeps going on but this is really messing with myy financial livelihood. Please just get the inquiries removed
Product: Debt collection

send me the certified receipt proving that you gave me a change to handle the debt and you made me aware of the debt before you put the debt on my credit report. Your company is violating my federal rights if you can not provide proof that you made me aware of the debt before putting it on my credit report show the documents showing when you made me aware of debt before putting debt on my credit report if you cant show this documents remove account from my credit immediately. ( show me the certified receipt with my signature on there showing I was made aware and that I received ) before putting it on my credit report
Product: Debt collection

I keep receiving repeated phone calls from a XXXX XXXX he claims he works for Covington Credit. Now Covington Credit is located here in XXXX number XXXX same information is on my credit report XXXX XXXX calls me from XXXX number which is South Carolina. I spoke with him today XX/XX/2019 he told me it was an attempt to collect a debt. I informed him that I would like for send to mail me the original documents from the debt because the original loan was paid of and what you are trying to collect is something from a refinance I never new I agree to. I informed him that I receive a call from Covington credit stating I had cash available from my loan and I could come pick it up I said ok because they advertised while paying off your loan you gain cash back. So I went to pick up the XXXX dollars I believed I gain while paying my loan back I just found out from pulling my credit report that it was a refinance on my loan which I never would have agreed to for XXXX when Im half done paying off my loan. So I told XXXX XXXX to mail me all of my documents so I can have an attorney look over them his response was really? I said yes and I dont want you call my phone anymore you have all my information and current address on file so anything you have to tell me you and send it in mail so it can be documented he informed me that he wasnt sending me nothing and hes not going to call my phone no more because my about is about to be changed off I told him I dont owe him he has a contract with Covington Credit not me so until I received the original documents the account is settle he stated again hes not sending me nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with Transunion for a year now. Every time it comes back as date updated. I have wasted an entire year never getting any results. 
Last payment was made on XX/XX/2019. 
It also says 30 days late on XX/XX/2019 and XX/XX/2019. How can this be? This is in violation, please remove from my credit report. 
XXXX  has already removed this negative tradeline due to errors.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company who has a Lasting Power Attorney sent me a notice attempting to collect an alleged debt. It is not clear if they are representing XXXX XXXX XXXX XXXX or if they bought this debt and is attempting to collect for their own gain. I request proof of the retainer agreement between XXXX XXXX XXXX XXXX and Weltman Weinberg & Reis. This debt is disputed and information/ documentation is being requested by me. See attached notice.
Product: Credit reporting or other personal consumer reports

Incorrect credit report. Tried to dispute it told me it was accurate! They didnt even TRY LOOKING INTO IT.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

Account Name : 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 Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these four things please delete these accounts from my credit report. Thank you.
Product: Debt collection

I received a letter saying that I have an alleged debt, I wrote to them to validate the debt and they have not responded to me, there have been several attempts. I have rights and they are not respecting them. It's been more than XXXX  days and XXXX validation attempts. 

Radius Global Solutions LLC In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
Product: Mortgage

wells fargo bank are lieing cheeting scum, They say they can not contact me? why, ihave lived XXXX all my life and XXXX bank, wachovia bank, wells fargo bank, have my tel no my email address, they served my court documants by email? yhey have had all my details and proof or paymants cashed into mortgage acount paid i have letters from XXXX bank proof paymants were cashed by wells fargo bank, please answer my question why would wells fargo bank telephone XXXX XXXX XXXX and send letters XXXX XXXX when wells fargo sold the property to a third party on the court steps $ then sold within 1 day over $ XXXX more, wells fargo have not put any sale figures in any coresspondance? i request who it was sold to and how mutch, i also request how many houses this person has purchased of wells fargo bank. please also answer my questions no 1 pickapaymant mortgage why was i not compensated $ court order, no2 forced home owners insurance at 3 times the prev amount $ compesation $ court order no3 Fraudulent forclosure $ court order, no4 overcharging removal of funds escrow acount court order no5 predatory lending 50 % home value $ court order no6, FHA insurance {$12.00} XXXX compensation for fraud and perjury supreme court order, no7 no missed paymants acount in credit also escrow in credit $ wells fargo bank also hold a co signed home insurance damage check {$2500.00} for work i had completed theft, no8, the cfpb have all the information yet i have not tecieved any compensation on any of these court compensarion orders, dosant that ring any bells cfpb what are you going to do for me a consumer or i have been deliberatly miss sold a mortgage and request full compensation for the theft of my property XXXX, please answer my questions and stop bluffing and side tracking i want answers thanks
Product: Payday loan, title loan, or personal loan

Pnc doesnt allow this app XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting

XXXX and XXXX both falsely assured us that they were not going to check our credit records. The said that a soft inquiery would not show up on our credit report.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting, consumer has advised that the closed XXXX XXXX Account # XXXX had 4 days according to Law to remove this derogatory item. This Consumer is now requesting XXXX to provide the documentation used to determine that account was validated by the creditor, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. The Consumer is not asking for an e-Oscar report if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 treasury OMB forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and Transunion reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but Transunion reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o Transunion reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year> XXXX : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and Transunion reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but Transunion reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
Transunion o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and Transunion reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but Transunion reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o Transunion reports no credit limit information o Transunion reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year>
Product: Debt collection

There's a debt on my credit for {$1400.00} to XXXX at XXXX XXXX XXXX. However I was in hospital in XX/XX/2024 and called again today XX/XX/2024 and I was told on both occasions I do not owe anything and have no bill. I had Medicaid during my XXXX XXXX. Not sure that my Medicaid being under XXXX XXXX and not XXXX XXXX if that could have caused an issue for billing but all the other charges I occurred during all the times I was at XXXX were paid. So it should have included the XXXX bills too. I tried disputing this but nothing changed. I spoke to billing at hospital today and she said there was nothing they can do since it's been turned over to collections. I called today XX/XX/2024 to the collection agency to speak to someone but haven't so far. I had Medicaid which paid everything else because I have no bill and it should have paid the XXXX because it covered everything else.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I used online XXXX to clarify proof of debt. They sent me the XXXX promissory note and deed of trust. XX/XX/XXXX I sent XXXX the Opt-Out of third party personal information sharing. They refused and said they are following instruction from XXXX. 

XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my XXXX XXXX, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened Incorrect non-matching balance Incorrect past due Incorrect payment status incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a dispute was opened regarding the creditor XXXX XXXX. The creditor XXXX XXXX submitted a 1099-discharging this debt therefore I am no longer liable for this account. I requested Equifax to remove this account from my file however they insist to keep confirming the information and not removing it from my Equifax credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union has posted on my credit that I have 3 late payments & delinquent on my credit score they dont have the right to post these negative very high impact with out signed documentation with my signature that i am in agreement with them .... its very wrong & very damaging. I'm trying to get loan for a home by end of year but with these wrong negative information brought my score down by law they have to take it off if they dont have an agreement with me & signed documentation please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Equifax account online at www.equifax.com 2 ) I want my Equifax account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. 

As of right now - I am not able to login online. Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.
Product: Mortgage

Com

plaint 1.I never received an email requesting a document for loan modification review. Compaint 2. XX/XX/XXXXXXXX  logged in to website and seen a document request for loan modification was needed. 3 days later XX/XX/XXXX I logged into website again and saw loan modification was denied due to failure to provide document on time. Again nothing emailed to me Complaint 3 : XX/XX/XXXX called Mr Cooper to speak about not receiving anything in email except automated responses and reapplying for modification And was informed loan was referred for foreclosure. Still nothing received in email Complaint 4 : XX/XX/XXXXXXXX  submitted modification all the documents again applying for loan modification. Received email saying I needed a new XXXX  filled even though the one submitted was not expired. And all the other documents needed to be updated even though it has only been 3 days since the closing of the last request. modification dept reconsidered and accepted the documents on XX/XX/XXXXXXXX  but requested luxury bill for my daughter 's occupancy verification. Even though the utility bill is in her name and addressed and her XXXX income taxes forms show the address, including her ID. 
Complaint 5 : Modification Dept is aware that my daughter does not have any luxury bills nor a phone in her name. They run a credit check and are able to see everything on her so they know she has no luxury accounts. Not sure of how else she prove she lives at the property last ditch effort she applies for an EIN last ditch effort to verify she resides here. Still not acceptable. No other way to verify her occupancy Complaint 6 : XX/XX/XXXX called MrCooper since no response to my emails recieved. Seeing what could be done for luxury bill verification and was told that her ID would work since it has the address on it. And for me upload it again for verification. Very frustrating and just wrong of modification dept. The referral for foreclosure should not of been sent. I didn't even have a chance to appeal or seek other solution. My attempt for the modification was also denied which pretty much was already determined previously due to the foreclosure referral being sent ahead of the denial. Lol. 
Complaint 7 : The loan agreement shows the property city as XXXX XXXX a rural area in Colorado which is not correct. The property is in XXXX  XXXX Colorado which by no means is considered rural area. I believe regulation Z escrow exempt should of been implemented in XXXX. All the requirements for this check yes