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

Hard Credit Inquiries on my XXXX and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder TD Auto Finance failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. TD Auto Finance claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you delete this inaccurate information. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

This debt being collected by XXXX XXXX XXXX XXXX in XXXX, MI is several years past the statue of limitations however, they continue to send threatening collection letters.
Product: Credit reporting or other personal consumer reports

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX, XXXX XXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a current and active account. I paid XXXX that was owed to re-open this acct and have had a good standing with them over 1 year. I currently have two accounts with them. One credit builder and the other is the secured card. 

XXXX XXXX XXXX XXXX : XXXX was repoed in 2018. Then sold. The balance to this vehicle keeps climbing and states the auto loan is open. This has caused many issues with me attempting to get a new vehicle because it states I have an open loan. I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a total of 17 derogatory items that do not belong to me with Experian, XXXX, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1.  XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6.  XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have personally contacted National Credit Systems, and the information they have on file is not my information, including date of birth, address, email, and other details. Despite this, the account remains on my credit report, which I find deeply concerning. 
I spoke with a representative from National Credit Systems, a woman at extension XXXX, phone number XXXX case XXXX. She mentioned that she would send me an email with a link to submit my driver 's license and other personal information. However, I am extremely hesitant to provide any further details to them, given the inaccuracies already present in their records. 
This account is supposedly tied to an apartment complex, yet I have lived in the same house for a long time and have no association with the property in question. I do not understand how such a mistake could occur and how this account could be added to my credit report without thoroughly verifying every single piece of information. 
I am deeply concerned about how my Social Security number and other personal details could have been accessed or used in this way. Please, I implore you to investigate this matter thoroughly. I am not the person tied to this account, and this should be evident upon reviewing the personal information they have.
Product: Mortgage

I have sent in my mortgage payments and Home Point is returning them. They first told me to send a check which I did. Then they returned it. Then they told me to XXXX XXXX it which I did. They returned it once again now stating I have to pay 2 complete months. Now I am 3 months behind and they will not accept anything other than 3 full months and need it by next week. They will not work with me at all. I spoke to a HUD office and they told me they should be accepting at least one payment so that I do not fall behind. I feel like they are doing this so they can keep adding fees to my account.
Product: Mortgage

I believe that Freedom Mortgage Company has retaliated against me when I pushed back and demanded to speak to a supervisor to better understand why they kept needing additional documentation in order to assume my existing mortgage after my divorce. 

My loan assumption application began on XX/XX/XXXX XXXX when they sent me a package by overnight mail to fill in within 10 days. After months of waiting then starting and stopping, my application went from conditional approval status on XX/XX/XXXX at XXXX to denied by at XXXXXXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX was a federal holiday when I received an email requesting additional documentation with no explanation for why more was needed after I had provided numerous sets of documents all within 1-2 days after request. Despite numerous requests, Freedom never justified their demands for an explanation how I planned pay out my ex-husbands share of the equity. Freedom Mortgage personnel failed over and over to answer my questions and repeatedly acted like I was living beyond my means, despite a credit score of XXXX and more than adequate income to pay my bills. I requested to speak to the people processing the loan for an explanation, then I requested and later demanded to speak to a supervisor with no success. I was on hold and tried to speak to supervisory personnel for over an hour on 2 separate days. I work from XXXX XXXXXXXX XXXX, because they would not speak to me outside of business hours I have had to take days and partial days off to deal with this matter. I firmly believe that Freedom Mortgage would not treat a man in the manner that they have treated me, asking for documentation receiving it with valid justification from me and requesting more and more documentation. Finally, retaliating when I pushed back requesting to speak to a supervisor and refusing to provide personal financial information through unencrypted email. I have since learned that most financial institution have a portal or will use an encrypted email to exchange sensitive documentation.
Product: Credit reporting or other personal consumer reports

Please see attachments. I have called, mailed for a couple of months now. No response
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report regularly - On XX/XX/2020, my mortgage loan with SLS is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted SLS to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted SLS and they said they were unable to assist me because their system shows my account as current.
Product: Mortgage

LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, I am not even sure how to begin our complaint as we have now had to file a CFPB complaint on 100 % of the files currently being serviced by Loancare. Our current issue is on short sale for a VA loan on this property ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). I dont know if your employees are untrained, are not able to read or comprehend English, have been told to delay file submittals to squeeze more servicing fees out of the investor ( *** Yes I am stating that you are defrauding the US Federal government by doing this ) .. Or, you simply hire the dumbest people on the planet. You choose, either one of the above says a lot about the lack of care given to your servicing of loans under your care. 

The most recent debacle centers around your Loss Mitigation Specialist I,  XXXX XXXX, asking how a solar judgement that she found on title was being taken care of. She has asked this THREE TIMES on XX/XX/XXXX and XX/XX/XXXX, and we answered this question TWICE ( for the record there IS NOT SOLAR JUDGEMENT ON THE TITLE report ), but supplied her with a copy of the title report. Apparently, your employee doesnt know the difference between a financing statement ( aka solar lease ) and a judgement. When we called in on XX/XX/XXXX2019 to follow up, we were told that Loancare was ordered their own title report. I am confused. Did XXXX lie about having a title report and seeing a Solar Judgement on it or did she just make it up. 

See attached emails, Title Report and our Authorization Letter. XXXX mentioned in THREE emails that their title report has a solar judgement on them. 

I would really like to know why the feet dragging on this file ( other than the obvious reasons of lack of training or simply attempting to squeeze more money out of the VA ). 
Please rectify the situation immediately on this file. 

For ease, we are cross filing this complaint with the following organizations : 1 ) CFPB 2 ) State of California Attorney Generals office 3 ) Department of Veterans Affairs ( Southwest Region ) 4 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from XXXX, Experian XXXX XXXX XXXX, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : Experian XXXX XXXX XXXX XXXX To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,
Product: Mortgage

For many years I wrote government regulators and CFPB regarding my mortgage with Ocwen Loan. I provided proof that letters where back dated and documents were included in my loan packets that I did not agree to or did not sign. In an article I recently read it was indeed discovered my regulators that this was the case and consumers were defrauded. Including myself. I complained that a my XXXX mortgage was discharged in bankruptcy and creatively added to the back of my XXXX mortgage. In addition, Ocwen still wants me to pay. I feel Ocwen has no claim to my residence due to defrauding me, pain the have caused. The balance is incorrect and I want the documents and records updated to XXXX mortgage only. There is no XXXX. It was modified with the previous company Litton Loan and also Ocwen. I want compensation for the fraud, aggravation Ocwen put me through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on a collection account that does not belong to me to TransUnion on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. On XX/XX/2019, I receive TransUnion 's decision regarding my dispute, and they " verified that this item belongs to you ''. Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent out a dispute letter to XXXX, Transunion and XXXX enclosing my ID and Social Security Card. I received a letter from XXXX dated XX/XX/2024 requesting additional vital documents such as ID and social security card for my request. These documents were enclosed with the disputer letter sent on XX/XX/2024. 

I also received a letter from Transunion indicating that my dispute has been verified previously, however, I have proof of whom they say verified the letter is in fact untrue. Transunion did not do another investigation per request. Proof was also submitted with dispute letter. 

I also sent in additional documentation received from US Clerk of Court regarding bankruptcy listed on my credit report. I requested XXXX, Transunion and XXXX do an investigation due to the enclosed letter indicating the court does not report to credit bureau 's.