23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Company I am working with is Real Time Resolutions. 
I have about a {$20000.00} Home Equity Loan with them. 
I have had some problems paying off back payments due to lack of work onset by the COVID Pandemic. I did however continue to make regular payments last year. 

Being that I was draining what little savings I had I requested an adjustment payment plan back in XXXX of 2020. Since then it has been me constantly calling and speaking with my representative trying to get this paperwork sent to me. I have been told several times that it can take up to 4-6 weeks. After the first waiting period I was told the representative didn't complete the request information correctly in order to get the paperwork completed. But after that period I still would not receive the paperwork. 
Then I would call and be told they were not sure what happen and that it would be sent out again. I gave them my email address to provide an alternative delivery option to avoid the paperwork being lost in the mail. Again weeks would go by, still no paperwork. 
Phoned twice yesterday, spoke to supervisors, told would be sent by the end of the day. 
Today, still no paperwork. 

Please help assist me with this. I have been in constant contact with these folks at over 10 times since the original request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : U S DEPT OF ED/XXXX XXXX* U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has blocked and frozen my entire credit report and score. That means no creditor, whether a new bank, credit card company, XXXX  XXXX, or an existing creditor I have accounts with can pull my Experian credit report or score, whether it's a hard credit pull or a soft credit pull. I have written them multiple times to release my credit report with no answer. 

When a new or existing creditor or bank tries to pull my credit report and score they get a message that states Experian has made a business decision not to do business with this applicant. This is an Experian decison. 

This is preventing me from applying for credit and managing my business appropriately. I am asking Experian to unfreeze my credit report and score to allow my creditors to access my credit report.
Product: Debt collection

Robo Calls are illegal. I have asked Diversified Consultants not to call any more. I will resolve the debt directly with the company the debt is for. Furthermore if someone calls me, I expect someone to be on the other end of the line.
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. 

XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.
Product: Bank account or service

We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it.
Product: Credit reporting or other personal consumer reports

To : TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Reporting and Request for Immediate Action Dear TransUnion and XXXX, has been classified as a charged-off debt, which qualifies as canceled income under IRC 6050P. 

According to federal tax law, when a creditor cancels or forgives a debt of {$600.00} or more, it is considered taxable income to the debtor, and the creditor is required to issue a Form 1099-C to both the debtor and the Internal Revenue Service ( IRS ). This form serves as documentation that the debt has been forgiven, meaning the debtor no longer owes the balance. 

If no Form 1099-C is issued, it indicates that the creditor has not treated the debt as canceled income, and thus, it should not continue to be reported as a delinquent charge-off on my credit report. The continued reporting of this account without the issuance of a 1099-C is not only inaccurate but also unfair. 

I am writing to formally dispute the reporting of a charged-off account from XXXX XXXX XXXX on my credit reports. This account, associated with account numbers XXXX and XXXX, is being reported inaccurately, violating the Internal Revenue Code ( IRC ) 6050P and raising significant compliance concerns under federal tax and credit reporting laws. 

Immediate Removal of the Account from My Credit Reports Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or incomplete information in my credit report. The charged-off debt qualifies as canceled income under IRC 6050P. However, no Form 1099-C was issued to me as required by law. Consequently, the reporting of this account as a delinquent charge-off on my credit reports is inaccurate and must be removed. 

Verification of Reporting Practices I invoke my rights under 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The failure of XXXX XXXX XXXX to issue a Form 1099-C raises questions about their compliance with federal tax regulations and the fairness of their reporting practices.

Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate whether XXXX XXXX XXXX  has adhered to IRC 6050P and the FCRAs requirements to protect consumers from inaccurate or unfair reporting. 


Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if your investigation determines the information to be inaccurate or unverifiable, it must be promptly deleted or corrected. 

I have attached supporting documents, including copies of my credit reports and correspondence related to this matter, to assist in your investigation. Please provide written confirmation of the results of your investigation and the actions taken within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Equifax credit reporting service I should them exactly what was wrong ( fraud ) on credit report and they said they investigated but did nothing. I asked to see how and who they did investigation with and told known of my business. They are committing federal crimes that start with FCRA. I told them about a XXXX dollar collection with XXXX XXXX XXXX. but they did nothing. This company says I owed univeristy of Maryland XXXX dollars off of XXXX XXXX dollar stay. This company never sent bill, never calked me, cant produce what bill is for and it is then calked fraud. Every other agency deleted from this colkection company but equifax. They are just asking them ( i think ) if debt is right and not asking for information needed to prove ut is a collection. I would have paid in one second not to take 40 hours to tell them this company diesnt care it us breaking the law. 
2. American XXXX has me on charge off and late payment but with no proof either. I can write same things but just go back and see how equifax is breaking federal and state laws. 
3. XXXX had feaud account 7 years and 4 minths ago but equifax want take off my credit. They sent whoever a new card because whoever did it driver XXXX dollars in one month so they sent new card snd it doesnt show what hapoened before new card was sent too XXXX. It needs to go and alk things that goes with XXXX on credit report. 
Last 4 different companies made hard inquireys that were fraud or got info trying to get loans off my name. 
FCEA says equifax needs signature, ids and proof it was me that tried to get lians. I will tell uou whst companies got fraud on inquierys. 
XXXX XXXX, equifax mortgage, XXXX XXXX XXXX and XXXX XXXX all were fraud to try to get loans and made hard inquierys. Equifax is in XXXX and doesnt avide by usa law. If they did this infomartion would be off repirt like the ither 2 repirting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

P & B CAPITAL GROUP LLC has been requested to provide proof of debt and fails to provide debt validation. 

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is TRANSUNION, XXXX, and XXXX. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Debt collection

MONEYLION INC account reported on my XXXX credit report. I never applied for or authorized this loan, and I have no knowledge of the account. It is listed as a secured loan opened in XXXX and marked as charged off with a balance of {$460.00} as of XX/XX/XXXX. 

I was never contacted about this account, nor did I receive any communication from the company. I have tried reaching out to them multiple times with no response. This is negatively impacting my credit, and I believe the account to be either fraudulent or reported in error. 

I am requesting that this account be thoroughly investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS UPDATD DATES AN BALANCES. aLL INCORRECT INO IS STILL THERE
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2021 Balance {$1100.00}
Product: Debt collection

I personally sent a certified letter to XXXX  regarding a tradeline called IQ Data International on XXXX XXXX. XXXX never responded to my request to validate this debt after. I explained that the debt wasn't mind and shared that XXXX has removed the debt as it was not valid. After not hearing from them after 40 days. I sent another certified letter XX/XX/20 requesting proof of any documentation using a 609 B notification and Still no response. Lastly, I've sent out a letter on XXXX and I am growing frustrated as I thought if I ask for a copy or a verification to support any finding that they were an obligation to respond. Can I please get some help here, I'm not sure what I need to do next. Thank you
Product: Debt collection

Hello, I moved out of XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, in XXXX of 2018, my lease expired in XXXX of 2018. I paid my full amount owed at the time I moved out of the property including pro-rated rent for the portion of XXXX I did not reside at the property to satisfy my lease. Please note I never had a late payment in my tenure as a resident at this rental property, ~XXXX years. My credit profile prior to this erroneous credit notification has been exemplary. 

XXXX XXXX never contacted me regarding a residual balance. Now 9 months later they have sent me to collection for a balance of {$100.00} with creditor Nation Credit Systems , Inc. XXXX XXXX XXXX, XXXX , GA XXXX, phone number XXXX. 

My credit profile should not be impacted due to XXXX XXXX in office book keeping deficiencies. I feel this is a malicious predatory business practice that is unfairly persecuting me, the consumer.
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 right to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct numbers XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these companies has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reported agency can not furnish account without my written instructions.

15 USC 1681C.A5 section states no consumer reported 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 USC 16 81S 2A1 a person shell not furnish any information related to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is in accurate I requested validation of debt and also my information was sold to several third parties. company I am requesting that these accounts be removed immediately or I will move forward to persue legal actions
Product: Mortgage

My mortgage Servicer is Nationstar mortgage. They have Notified me that they are Raising the rate on my mortgage and Increasing my payment almost {$200.00} per month. When I advised Nationstar that they had no authority to do this they claimed that they were the final decision makers on the terms and conditions of my mortgage. I asked Nationstar to give me the name of the person or company that Holds the Deed and Title to my property and to provide documentation from the Deed - Title Holder that Nationastar has an agreement to collect money and change the terms of the loan. Nationstar Mortgage Refused. I have no idea why Nationstar Mortgage is Refusing to provide information to the Homeowner despite multiple requests
Product: Debt collection

I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, Cawley & Bergmann , LLC call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or Cawley & Bergmann , LLC and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from XXXX XXXX XXXX XXXX. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the XXXX XXXX XXXX XXXX is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact XXXX to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.
Product: Student loan

I lost my job and signed up at the XXXX XXXX XXXX. they had me in class the next day. I XXXX made about $ XXXX year income. I was receiving grants. I got to XXXX. Then I had a XXXX. I had a XXXX 9 months earlier. I had a XXXX. I did not have stamina to continue financially. They would n't give me time off until I was better withdrew me and told me that I had no more grant money. I did pay about {$250.00} a month on my student loan. I called once to tell them I was gon na be late. They told me that I did n't make enough money to pay them. so they put me on defer ments. you have to understand I basicly worked XXXX jobs. I signed to consolidate a couple times with a reasonable amount I could pay {$110.00} a month. then the payments went up to a XXXX a month. I quit. that was 20 years ago Now 14 years at my job and 20 years later they are garnishing my wages for 15 % of my disposable income. Now i make less than XXXX and and they say i owe them a {$120000.00}. I heard the school got sued. they closed and the building does n't even exist anymore. but i am stuck with a loan i can not po possible pay back and no great job to support myself. I in my core do not i should be victimized like this. On my credit report is says closed with a XXXX balance. I am XXXX years old. worked hard for my little bit of money all my life.