23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I was illegally evicted from my home by the collaboration of the XXXX county judicial System, XXXX county sheriff 's office and XXXX XXXX XXXX. I was appealing the eviction hearing that took place XX/XX/XXXX. The judge didn't answer my motion to stay eviction XX/XX/XXXX. Denied my motion to add the rule 120 hearing and mediation to my appeal. These cases were vital to prove they stole my house and had no right to evict me. While my appeal was pending I also had motions in the federal courts pending regarding the eviction. 
My lender went around the court procedure to stand down and violated my civil rights to due process and my liberties. 
My lender was still looking into my CFPB report that proved I was approved for a COVID ALM Modification that was calculated and achieved XX/XX/XXXX. 
The harm they have caused me was done by breaking laws, violating HUD regulations and protocols. They are criminals and no oversight to protect homeowners from their Deceptive Lending Practices.

On top of this I was approved for a refinance XX/XX/XXXX. My lender denied me the right to reinstate my Mortgage twice and never intended to provide me any Covid relief. 
HUD refused to intervene and help with this situation. It's their job to help people stay in their homes. 
There has not been any protection by any government agencies or law enforcement to stop me from losing my home. It's time that the government and public become aware of this horrible crime. 
CHFA doesn't have accurate reports and servicing information related to mortgages from their hired XXXX XXXXXXXX XXXX XXXX CHFA needs to get involved in getting complete and accurate reports from XXXX XXXX at least fight for their integrity. 

The government and the laws as a citizen have failed me in the worst way imaginable. I have fought for my mortgage to be reinstated for 3 years now. 
Although I lost my house I am now going to fight for everyone that lost their house like this. 

I trusted the COVID forbearance to protect my house and to ensure it remained mine. To have the COVID ALM withheld from me and the opportunity I had to reinstate my Mortgage refused is a crime. I will have my day in court proving my accusations. 

I want everyone to know if you are going through this you WILL LOSE YOUR HOUSE! No matter what even if you're fighting in court, everyone is corrupt and are apart of this scheme to Defraud Borrowers from their homes. No one and nothing will protect you, NOTHING! My sincere prayers for all of you and your families. Just plan on moving and keep fighting or you to will have your belongings thrown into the streets. I had a pending Appeal and they still took my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.
Product: Mortgage

Fell Behind on pmts due to covid was told we will help you on a rate mod then they tell me to pay all past due no help available ..... 
I am unable to contact the loan holder no number available... .only can communicate with the servicer Select Portfolio Servicing .....
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Started and online dispute with experian Report number:XXXX tried to check status there system states number is incorrect. 
Call them XX/XX/XXXX at XXXX there is no option to correct this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 wks ago, I attempted to log into my Transunion account. It did not take my user name and password. I followed the instructions to reset the password, and was supposed to received a 2nd tier verification code via e mail. I did not received the emai. I attempted several times, and called Customer Service. I was informed that it was a technical issued and try the next day. This has continued over the last three weeks. I informed Customer Serice that I would talk to Tech Support for assistance. I was assured that would happed. It has not. I need help so I can log into my account. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My open XXXX XXXX XXXX XXXX  was removed from my credit report. Experian told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me
Product: Credit reporting or other personal consumer reports

My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are. 
I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable. 

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2. 
I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX
Product: Debt collection

The company Portfolio Recovery and XXXX and XXXX XXXX has sent me documents via mail of a case against me and also garnishment of a chase account that is legally jointed by my husband and I do not have full access to. They have sent a hold of {$2400.00} on my husbands account. As far as I know portfolio recovery been harassing me by phone, mail and email for the past 7 years as this debt is pass XXXX XXXX XXXX and should by law be taken off my credit reporting and a case should not be build against after attempting to collect debt for me its way too old. I have filed a complaint on here before against them and I believe their action is to take garnishments of a random bank account which they do not even have the right to. I would like something to be done here. It looks like they took their company off my credit reporting but sending a case letter to garnish my income this is complete harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Experian about my XXXX XXXX XXXX that's on my credit report. I have called them and disputed with then about this item plenty of times and now finally they update where it says collections for 2 years now XXXX XXXX XXXX XXXX was paid for using my irs funds back in 2017. On my credit XXXX  with Experian it does not show the On Record date when it will off my credit report all other accounts show the On the record date I have asked Experian to delete for not showing accurate info. If they will not delete I will sue them for damaging my credit
Product: Mortgage

Ref : BSI FINANCIAL SERVIC ES    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , PA.    ZIP CODE :   XXXX  * NEED MONTHLY STATEMENTS.     ** HAMP APPLICATION.
*** CURRENT AMOUNT D  UE ON MORTGAGE.   (  XXXX  was not able to furnish this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that 1. 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 
2. XXXX And XXXX - Accounts 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 
3. XXXX - Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA. 
In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least. 
A Companies Policies and practices DO NOT override Federal Laws. 
I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX  # XXXX, Bankruptcy # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. 

Carmax Auto Finance XXXX XXXX XXXX XXXX Late Payments discussed with company that were supposed to be removed
Product: Credit card or prepaid card

On this date of ...  XXXX / XXXX / 2017  called ...  Alltran Financial, LP  XXXX   XXXX    XXXX   XXXX   XXXX     Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ...  XXXX / XXXX / 2017 . The customer service  XXXX   XXXX  that 's stated on my letter to contact at this number  XXXX . Kept Sta  ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!.
Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A  BOUT THIS ISSUE ALSO!!!!. THANK YOU.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Jefferson Capital Systems has been repeatedly calling my sons grandmother. I have never given them her phone number. There is no reason for them to be calling her. They are not suppose to be calling anyone other than me in regards to my debt. They called her this morning at XXXX on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. Experian and XXXX unlawfully furnish my personal information without my writting consent. Pursuing to 15 U.S.C. 1681 section 602 a states I have the right privacy. My rights where violated due to unlawful data sharing. Experian and XXXXXXXX has violated my rights and I demand these accounts be removed in 5 business days. 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

in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
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 or other personal consumer reports

After finding out I was a victim of identity theft, I received a copy of my credit report and noticed several inaccuracies and incorrect information located within my credit report. I then sent a certified letter to all three of the main credit reporting agencies ( XXXX, XXXX and Equifax ) notifying them of my identity theft situation and requesting the verification of accounts I will include within this complaint. Shortly thereafter, I received a letter stating their reasons for the remaining accounts. Due in part to the laws provided herein, 15 USC 1681 sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) .I have included supportive information. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ) .I then sent a letter requesting a re-investigation of said accounts with a request to provide me with the necessary info as to whom you spoke to to verify this information with. I recently received a current copy of my credit report and I still see inaccurate and incomplete information within my credit report across all three of my credit file. All three bureaus included. Those being XXXX, XXXX and Equifax have miscommunicated my information even after I notified them at least twice. I have certified mail with dates to further my complaint. The accounts I speak of are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I highlighted majority of the inaccurate information that falls within the guidelines of reasons to delete said accounts due to a multitude of misinformation, misrepresentation of a consumer along with other infraction that falls within. Accordingly, certain laws have been afforded to myself, a standalone consumer, to protect me against the crimes I have proven within the written comments and highlighted areas. I closed are also documents that will verify my identity which have allowed my or others to move forward because I am who my identification says I am.
Product: Mortgage

SPS ombudsman is refusing to give us a modification again after give us one!!!! XXXX is holder of our note and after govt fine they will still not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hunterwarfield a homeownders association made a credit report of $ XXXX in charges to my account, the individual being my husband in law which my sister is now divorced from caused the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a account listed on my credit report that does not belong to me. I have disputed this item and it is still showing on my report
Product: Prepaid card

I bought this prepaid card and put nearly all of my paycheck into it so I could buy things online. XXXX, XXXX, and XXXX all refused to take it, despite saying they took this brand of card. I have only gotten one purchase to work on it and I need this money very badly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. 

When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. 

Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. 

The company that I paid for the debt was not the creditor listed but a company called XXXX, XXXX, and XXXX. To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. 

Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXX XXXX XXXX