23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Inaccurate Information Reported on Mortgage Account by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX FCRA, FDCPA, UCC, and Related Case Law I am formally disputing the accuracy, completeness, and validity of derogatory payment history information reported by your agencies on my credit reports concerning my mortgage account with XXXX XXXX XXXX XXXX, Account opened XX/XX/XXXX, FHA Mortgage Loan. 
Specifics of the Inaccuracy : Each credit reporting agency ( CRA ) has erroneously reported significant late payments and delinquency statuses on my mortgage account. The inconsistencies include, but are not limited to : Equifax : Incorrectly reported late payments at 60, 120, and 180 days delinquency statuses without accurate substantiation. 
Experian : Incorrectly reports late payments, notably " 180 days past due '' statuses for XXXX and XXXX of XXXX. 
TransUnion : Reports worst payment status as XXXX days past due, inaccurately stating multiple late payments and thus unfairly damaging my credit rating. 
These entries are incorrect, misleading, and damaging, causing undue hardship including but not limited to loss of credit opportunities, elevated interest rates, emotional distress, and diminished quality of life. 
Violations of Federal Law : These inaccuracies constitute violations of several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : o 609 CRAs duty to disclose all information used in reporting.

o 611 Obligation of CRA to conduct reasonable investigations upon dispute and delete inaccurate information if verification fails. 
Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, requires debt validation and verification upon dispute, which has not been adequately provided. 
Uniform Commercial Code ( UCC ) : specifically Article 9-210, which requires accurate recordkeeping and verification of debts and account statuses. 
Relevant Federal Case Law : The following precedent cases clearly establish consumers ' rights and potential remedies under similar circumstances : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Awarded substantial damages due to failure to maintain accuracy. 
XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirmed significant consumer damages due to FCRA violations. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Awarded consumer maximum statutory damages plus attorney fees for failure to correct inaccuracies. 
The aforementioned federal cases clearly set precedent in affirming consumers ' rights to accurate credit reporting and entitlement to substantial statutory compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$XXXX} on XXXX XXXX from Titlemax XXXX Texas XXXX Inc. D/B/A Titlemax.My car title is attached as a surety in XXXX XXXXXXXX XXXX  On XXXX XXXX, I made a payment of {$XXXX} which was credited to my account after receiving several threatening and verbally abusive calls with an intent to repossess my car from employees of Titlemax. I used my car to make income generating deliveries.However, my car developed a transmission ( CVT ) mechanical problem making it barely drivable as a consequence ending my delivery job. I am in a situation of lack of income. Currently, I am on the State of XXXX  wait list for regular employment opportunities and I am working with the XXXX  XXXX XXXX on modalities of going back to regular employment as soon as an opportunity opens up. 

I have explained the above situation to Titlemax representatives and told them to stop calling me with threats to reposes my car, but they can not stop. The loan agreement had given me till XXXX XXXX to repay the title loan from Titlemax. I hereby urge Titlemax to detest from threatening me with repossession of my car. Looking forward to much needed assistance on this matter. Thank you.
Product: Credit card or prepaid card

I received a notification from XXXX XXXX about an account being delinquent. The account was noted as opened XX/XX/2020 with a balance of {$99.00}. I am not familiar with this account. The account was listed as a Barclays Delaware account. I tried contacting them at XXXX and was on hold for an hour and 42 minutes before the call terminated. I also visited their " Contact Us '' page and followed the suggestion to message their XXXX  account XXXX XXXX and also did not receive a response. I am unable to resolve this with the company and that is why I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting more then 30 days to hear back from XXXX and also transuion and this problem report neither party has given me a reply mail or response images and dates are attached with complain number must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA.
Product: Student loan

I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.
Product: Checking or savings account

I went to USPS office on XXXX XXXX in XXXX to purchase money order for XXXX. I was supposed to get 1 money order for XXXX and another for XXXX. When doing so the worker told me after I had slide my card that he wouldnt be able to give me the XXXX as there was Issue with system but can give me the XXXX money order and I would be refunded. After checking my account I see that I was still charged the XXXX even though I only received the XXXX money order. I did not receive the XXXX money order I tried to call customer service but was unable to reach anyone to try and resolve. I contacted my capital one bank for a dispute on that charge saying I only received the XXXX and I was credited the other XXXX. Now I received a email 2 months later saying that capital one has denied my claim because the merchant said the transaction Was valid since it went though. Now capital one is saying they will take the XXXX back from my account. This is not right. I have sent proof including the receipt showing XXXX serial number of money order I received. Now I am going to be charged XXXX from capital one because they are taking the side of the merchant instead of looking at the documents.
Product: Debt collection

Reached out to the companies to try and get them to delete said debts off of my credit reports as they were not authorized by me to report anything to my credit reports. I did not sign any contracts nor do I owe any debts to this company. 


ERC- {$150.00}
Product: Mortgage

I have been contacted on numerous occasions by the mortgage servicing company, Ditech Financial, LLC on behalf of my deceased mother 's account, whom was the sole-owner of the mortgage debt. The loan inception date was dated back to XX/XX/XXXX, under Green Tree Servicing. She passed away in XX/XX/XXXX ; the family has been in the process of legally obtaining the Administrator of Estate in the state of Georgia. Currently there is not an executive administrator in place in place for any person ( s ) to legally handle her debt with any debtors. We have advised them on several occasions of this matter. I myself have continued to make payments on the mobile home using my fixed income until we can get all the legal matters cleared. Unfortunately, the payments were not made promptly each month and they have called and harassed daily on my cell phone and landline to collect on the account. The main issue is I am not the original loan holder and do not feel i should be harassed in such a manner by the company or its collectors ; they have threatened to come pull the mobile home from the land, mailed certified letters to my address, canceled insurance ( per their conversation ), and will not provide any significant details on the account except the current payment due and demanded I pay immediately using their preferred method of XXXX/or XXXX services to bring the account up to speed. The representative name over our account is XXXX and she has been contacting me for over two years now and is fully aware of my deceased mother and continues to contact me with harassing collection practices. On one occasion a representative contacted me regarding the debt and I advised her of my fixed income situation and the legal proceedings of the Administrator of Estate. The representative advised me the account could possibly qualify for some type of " hardship '' after we brought the account up to date but we have yet to receive the paperwork.
Product: Debt collection

Central Portfolio Control is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX  WV for the amount of {$580.00} as of XX/XX/XXXX. They say that the status had updated in XXXX of XXXX, however, when I had lived in XXXX WV, I was a XXXX  mother and me and my significant other at the time only had 1 vehicle in which he would take everyday to work, in PA. I have done the research and XXXX is XXXX and XXXX minutes ( the quickest way ) from where I had lived on XXXX XXXX in XXXX WV. I have been notified that social media sites are selling personal information, and I am most certain that my information was sold and/or stolen. The ONLY hospitals I ever frequented when I lived in WV were the XXXX I went to when I was pregnant. I started out at XXXX XXXX in Ohio as a family member worked there, but then later switched to XXXX XXXX XXXX in XXXX WV at XXXX weeks pregnant due to the fact it was closer and more convenient for us when I went into labor. I have contacted XXXX to place a fraud alert on my account and to dispute this twice now, once on my own and the second time today, XX/XX/XXXX, with a fraud department representative. This absolutely NOT my debt. I would have no reason to travel over XXXX to a hospital, especially without having a vehicle 98 % of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am contacting you regarding fraudulent inquiries on my experian credit report I have already contacted experian but they have done nothing to resolve the issue. There are two fraudulent credit inquiries on my experian credit report and I would like them removed because they are fraud and do not belong to me. I am a victim of of identity theft and I am including my police report to support my claim. Please make experian delete these fraudulent credit inquiries because they are fraud and do not belong to me and I would like them remove from my credit report at once. These are the two inquiries XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. XXXX XXXX XXXX TransUnion XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX {$580.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX {$680.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Product: Student loan

I do not meet the minimum requirements for federal student-to this day. The Department of Education confirmed. The information was sent to XXXX XXXX, the DOE, Federal Aid, and XXXX XXXX. All have agreed and confirmed that I was wrongfully granted aid. And that Navient overcharged and failed to provide documentation to support the loan amounts they were collecting and reporting on. I just received bills that I'll be forwarding to all of the above and the Attorney General-acting on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the XXXX Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted XXXX XXXX on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. XXXX XXXX did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file. 

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.
Product: Student loan

The loan started on XX/XX/2016 for {$15000.00} to attend college with an original interest amt. of 6.75 %. I have always maintained that I chose a fixed rate but of course they say it is a variable. I am way ahead in paying the loan off. However the closer I get the higher the interest rate goes, currently 8.125. I have called them multiple times, I have let them know I have decent credit and my cosigner has excellent credit but they tell me if I don't like it go get a loan from another institution. it is like they are going to get the original amount of money if I had stuck with their payment plan.
Product: Mortgage

in XXXX of XXXX  we closed our mortgage with Pentagon federal credit union, after a 6 month process of misguided, multiple contact failures in their process. At closing the title co paid the taxes XXXX XXXX in the amount of {$3900.00}. This shows up in the county record as the title co paying this amount. 
On my XXXX penfed mortgage statement they show a disbursement for the same amount to the county that was paid on XXXX for {$3000.00} the county refused the payment, because it was already paid. 
My escrow had a negative balance till XXXX. The XXXX statement showed a $ XXXX deficit in escrow. 
Even though I have asked multiple people to fix the problem and find where the check number went that was issued to the county, they will not accept responsibility, nor put me in touch with some one who can. I think they owe me interest on the money not in my account as well as an effort to fix the problem. They just sent me an increase in payment statement for {$500.00} more per month to fix the problem they won't. I have spent hours on the phone trying to get som one interested in this problem.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has consistently failed to fulfill these legal obligations in handling my case. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX XXXX on that date. 
Please launch an investigation into the XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.