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

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, ( XXXX, Transunion ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Student loan

I received an email regarding my student loans being transferred from Mohela to XXXX. I was given an email with the date and to sign him with XXXX before the date. The date was XX/XX/year>. It came and went. I can not sign up with XXXX  because there is no account on their end. Mohela says that it may take up to 14-90 days for the transfer. Mohela also said the interest on my loans will continue during this time period ( All communication through phone call ). When I asked Mohela for documentation, they said they do not do that and just re-sent me the initial email about the transfer. I have received the same letter repeatedly when asking them questions about interest, transfer duration, etc. Currently, either provider has my information, I can not make payments, I will accrue interest for this time, and am not getting any support from the providers on either side especially when I have never missed a payment and have good standing. I would expect some type of information but nothing. It seems very suspicious when it was forced on me. Seems like Predatory Lending ....?
Product: Credit reporting or other personal consumer reports

I have been trying to get this collection off of my credit for months. I have sent in several disputes, and nothing has been done. I have submitted documents proving it is me sending the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates has been improperly reporting two separate accounts to XXXX credit agency. The two separate accounts are for XXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Portfolio Recovery Associates has been reporting both accounts to XXXX as in an open status. They are both paid accounts. XXXX XXXXPRA was paid XX/XX/2016 for the amount of {$950.00} dollars. XXXX XXXXPRA was paid in the amount of {$600.00} XX/XX/2016. They should not be listed as an open status. They should be listed as paid and closed. Portfolio Recovery is listing that the two separate accounts are in a derogatory status upon XXXX  credit reports. They should not be listed as in a derogatory status. They have both been paid. I have not had any successes with my personal interactions in correspondence with Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to cancel my service with nationwide debt reduction services for the past week. Every time I call in to cancel they won't provide a direct phone # for the cancellation department. They say they can only transfer me directly and than the phone disconnects. They force me to leave messages that are never returned. I am being sued by a credit card company because of nationwide debt reduction services. I just want to cancel the service and they are making it almost impossible for me cancel this service
Product: Mortgage

I got sick with XXXX XXXX XXXX then I got worst when I got XXXX. After a long illness Ive recovered enough to start working again. My mortgage servicer stopped accepting payments and told me I have to bring everything current. I applied and was approved for the HAF program but my mortgage servicer is dragging there foot in an attempt to foreclose on my home. This is the second HAF attempt to work with Rushmore Loan Services to bring my mortgage current. Rushmore employed delay tactics the first HAF attempt until the 30 day HAF time limit expired. Were now in the second HAF attempt and Rushmore is employing the same tactics. My home is worth $ XXXX {$380000.00}. Rushmore and its investor XXXX stand to make more if they foreclose on my home than accept the HAF settlement which would bring my status current. Rushmore has locked me out of online access to my account since XX/XX/2022. I have no access to government programs because Rushmore has denied online applications. I filled for bankruptcy In XXXX of XXXX  to stop Rushmore from foreclosing on my home. I have made my last XXXX mortgage payments but my balance owed has gone up over {$9000.00} according to Rushmore. I need help to keep my home for me and my kids. Im a XXXX  with XXXX kids. The lying and obfuscation by Rushmore is depressing and very stressful. Im at my wicks end. Disturbing thoughts are coming into my mind more frequently. Please help me?
Product: Mortgage

I have tried to contact them on several occasions in the last few weeks and have spent over an hour on hold on the phone, and still have yet to speak to anyone about the escrow acct shortage which they manage, and now they are trying to make me pay for there mismanagement. I never had this problem when XXXX held the loan and had reserve left over when XXXX held the loan and the payment never increased. Now they are trying to increase my mortgage payment to make up the difference that is they're responsibility. If I pay the amount the mortgage payment still increases if I don't pay it goes up almost 100.00 is XXXX. They need to fix this and not at my expense.
Product: Credit reporting or other personal consumer reports

There is a collection account from first credit services for a membership I did not sign up for from a company called XXXX XXXX. I requested for a contract from the company & they were unable to provide it Please remove all fraudulent collection accounts from my credit report
Product: Debt collection

I have made a cease and desist request to Phillips and Cohen regarding an alleged debt from mercury credit card and from XXXX XXXX. Phillips and Cohen continue to send me letters despite receiving the cease-and-desist request. 

I will clarify further that Phillips and Cohen or their affiliates or associates are not to contact me or my associates by any method. Nor are they to direct third parties to do so. This would apply to XXXX XXXX  Card or their affiliates, XXXX  XXXX or its affiliates or any other group or entity Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, Paypal deceptively processed an application and issued a {$3000.00} line of credit for my account. 

This incident occurred while I was attempting to log in to my account on mobile to look something up. On login to the portal, I was immediately presented with a prompt to verify some of my personal information. This appeared at a quick glance to be a compliance related verification prompt, and since I was in a hurry, I did not read the rest of the screen closely. I accidentally continued through the next screen while I was trying to figure out what I was looking at, and then noticed that PayPal was processing a credit application. There was a link on screen to cancel this application, but it was already too late by the time I tried to tap it. The following screen notified me that I had been approved for the credit line and took me to my account.

I have contacted PayPal to close the account immediately, and I am requesting that all inquiries be removed from my report. I am assuming that I will also have to contest these inquiries through all of my individual credit reports.

Regardless of the outcome, I believe that PayPal 's deceptive and predatory lending practices should be investigated. It should not be possible to accidentally apply for a loan this easily, especially when I never even expressed intent or attempted to initiate the process. PayPal is clearly relying on what is called dark UX ( user experience ) patterns, by mixing these links in forms into an essential workflow ( login ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. Please have this public record deleted from my file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refilling this complaint is for EXPERIAN. I sent them communication letters several times regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Mortgage

Currently in the process of refinancing my property. However I have a loan from Mosaic for the solar panels that were added to my property in 2022. Mosaic has put a lien on my property and will not remove it temporarily so that my refinance can close. When contacting Mosaic, they state that they only have a lien on the equipment and not the property and that they no longer temporarily remove liens on properties. However the title shows otherwise, a simple XXXX  search shows there are many in the same situation. Mosaic is holding our homes hostage unless the loan is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX  : XXXX XXXX Open Balance : {$6700.00}
Product: Credit card or prepaid card

I have submitted two times and have waited so long to get credits put back in my credit card account thru Bluebird Amex. The total is {$250.00} dollars. I have submitted all my documentation showing why i should be credited back my money. I keep getting the run around my I believe agents that are not working my case properly and collect all documents to show these are fraudulent merchants. There are 3 different merchants.! from XXXX XXXX dated XX/XX/2020 for {$160.00} and they person who sold it to me also dated XX/XX/2020 Justfly XXXX for {$53.00} which was there fee. I was suppose to fly out to XXXX for a family matter and I was ready to go until I got a message stating that residents from California, Texas, Arizona and etc were not allowed to go into Illinois due to COVID 19 are we were high risk states. I don't know why the airlines and travel agent allowed people to purchase tickets I'm sure they knew before we knew. Now I called and emailed trying to get thru to someone to refund me because I don't feel i should have to p [ ay for something i cant use. I never heard from anyone so i placed a dispute thru my credit card company Bluebird Amex. I have submitted this so many times and they keep dropping the ball. I also placed a order for a pet bed for my dog and that merchant flip flopped on me as well and never sent the bed out and i asked to cancel the order and refund me. They never did. This merchant I ordered for was thru XXXX and i have reported them as a fraud merchant thru XXXX but I also submitted them to bluebird to dispute the transaction showing them I did everything to resolve it myself this merchant goes by the name XXXX ( XXXX ) and that is in the amount of {$36.00} on XX/XX/2020. I have all my documents showing what's transpired and I'm really not getting anywhere with Amex bluebird. I need help. I'm not working and to be out {$250.00} today is not easy especially with merchants who are taking advantage of COVID 19. I need help to resolve this and get my money back.
Product: Mortgage

I am closed on a home XX/XX/2018 in zip code XXXX. I have received the lender 's CD and the title agency 's Settlement Statement. The final " cash to close '' number match between the documents, which is great. 

The problem that I have is, the accounting of the numbers that add up to the " cash to close '' are vastly different between both documents. Which document should I trust? Both companies wanted me to sign the forms to proceed with the closing. 

Honestly, I shouldn't be forced to sign these documents in order to close, if one or more documents are wrong. 

After being more pushy, the title agency provided a correctly itemized settlement statement, the lender told me they were unable to provide a correctly itemized CD. 

What was more odd, the title agency gave me the okay to re-itemize the settlement statement to match the lender 's itemized CD. I refused. 

I am attaching the correctly itemized settlement statement and the lender 's CD. Which do you think is correct?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX
Product: Debt collection

Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX My credit file with XXXX is showing 2 charges with a company by the name of Trident Asset Management, LLC, Checks they are saying was written by me one for {$170.00} account number XXXX on XX/XX/XXXX and one for {$120.00} on XX/XX/XXXX account number XXXX these account does not belong to me I have try 10 times to disputie them and its still coming back its belong to me XXXX and XXXX are not reporting it the phone number for them is XXXX there address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have been disable since XXXX never have such account so I am asking for your help thanks.
Product: Debt collection

I got an Auto Loan from Credit Acceptance for a XXXX  XXXX XXXX  XXXX ( XXXX XXXX ). the car XXXX XXXX value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in XXXX  XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of XXXX, XXXX XXXX XXXX XXXX to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.
Product: Debt collection

This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by XXXX XXXX or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And XXXX XXXX keeps adding interest to the original balance that has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove these accounts
Product: Debt collection

Capital one has refused to comply with Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX. Refused to validate, XXXX  days have passed. No response but still falsely reporting on my credit. I owe capital one no money and have no credit card accounts,
Product: Mortgage

PNC put a late payment on my credit when we were trying to close on our house. We were not able to close for two months so my XXXX payment was late because the attorney froze my mortgage, we received a payoff from PNC plus an extension, now I ca n't get another mortgage & I am about to be homeless in two months. This was not my fault but somehow I need to fix it. I have a contract on a new property that I do n't want to loose. This is not fair to me as a consumer. I normally have great credit. Now it 's ruined. Please help