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

I Contacted the creditor and asked for the method of verification I asked for all the documents they retrieved during the investigation that will prove the information on my credit is reporting accurately. I asked them to provide it within XXXX days and if they can't they must delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
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 items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an ongoing issue with Transunion and XXXX XXXX. The latest issue is that the account is reporting a XXXX limit with XXXX balance, when the limit is supposed to be XXXX. For almost a year XXXX and Transunion reported that I had a XXXX day late payment. Now that the late payment has been removed, the account information is wrong. It's XXXX thing after another with these XXXX companies.
Product: Mortgage

Rocket Mortgage forced me to pay PMI and told me they would remove that once I hit the 80 % equity mark. In order to remove this they make you call them so they can " calculate '' if you meet the requirements. Even though the monthly statements tell when you've met the requirements they won't remove it until you've hit 78 % mark. This PMI for to XXXX XXXX, who requires this as an insurance, even though they are the ones who defaulted in 2008, not me. I had spoken to Rocket Mortgage previously and was apparently not quite at the 80 % mark. I think I was half a % off. They did NOT count this as a request to remove. I called today and they put me through so many phone tree options tht it can be seen as a tactic to dissuade customers from calling to remove the PMI. I presses a phone tree option 23 times before I got a default operator whom I had to beg to send me to the PMI rep. They purposely make it difficult to get this removed and this " insurance '' if you can call it that goes directly to the XXXX and XXXX XXXX XXXX account, for doing nothing. Hundreds of thousands of dollars through this scam. I should be able to get a refund on my PMI for when I met the 80 % mark, especially since the insurance did nothing for me and certainly did not protect me from anything. It also did not provide any service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/ According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my property in XXXX FL had some hurricane damage, and my mortgage company, XXXX XXXX XXXX  ( XXXX ), offered me forbearance for 3 payments that would be added on to the end of my mortgage. I accepted forbearance, and in XX/XX/XXXX, just as the forbearance period ended, XXXX transferred my mortgage to Specialized Loan Service. The XXXX agreement stated that SLS would accept and complete the forbearance agreement made by XXXX. SLS harassed me and finally added a modification onto my loan, but instead of a forbearance modification, they processed it as a foreclosure modification, which showed up on my credit report as my being delinquent with mortgage payments. They pressured me, giving me one day to sign which allowed no time for legal review, threatening foreclosure if I did not sign. I disputed it with the credit bureaus later who did nothing to correct it, and it ruined has my credit score. SLS refused to correct their mistake and I have been turned down for refinancing my mortgage because of the mistake SLS made and the delinquency on my credit report. Changing the forbearance modification to a foreclosure modification is an unfair bait and switch practice, and has cost me my credit. At the time I didn't know the difference in the modifications, but now I understand what has happened and I am requesting that the delinquency be removed from my credit report and my mortgage be corrected due to this unfair practice. This has damaged my financial reputation and cost me money. I tried to refinance with XXXX  again and they just told me yesterday XX/XX/XXXX they can not proceed until this mistake is corrected. I have paid almost {$1000.00} in fees for appraisals and application and my loan is denied now because of SLS 's mistake. As a XXXX XXXX I feel this is unfair, and I deserve punitive damages from SLS now that I have figured out what they actually did is illegal. I was entitled to federal forbearance from a natural disaster and they defrauded me to accept a foreclosure. I can not even refinance my house and get away from SLS because of the mistake they refuse to correct on my credit report. SLS agreed to take the loan from XXXX " as is '', then switched it to a foreclosure. They refused to correct the balance or give me credit for all payments made in XX/XX/XXXX. There have been no delinquent payments, and I have submitted receipts to SLS and the credit bureaus. SLS documented the 3 months of forbearance as 3 delinquent payments and threw me into foreclosure and forced me to agree with a foreclosure modification and did not explain the difference in a federal disaster forbearance modification and a foreclosure modification. Please help me straighten this out and get the delinquency off my credit report so I can get away from this unethical mortgage company. The mortgaged property is at XXXX XXXX XXXX XXXX in XXXX FL, where I hope to retire to. I live and work in VA and my address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you. 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Consumer Loan

XX/XX/XXXX I took out an installment loan with LoanMe, which I discovered through a commercial over the radio. At the time I had XXXX of my XXXX minor children in the XXXX after going through XXXX 3 months prior and needed the money XXXX 

I did unfortunately take the loan out based on the terms that the were expressed to me by the employee of LoanMe and due to the stress and emotions of the timing did not thoroughly read through the paperwork. I was given a loan at 138.28 %. 

I am a married man with a family of XXXX with a part time only job and when I could not make the payments that were not initially disclosed to me, I called the lender ( LoanMe ) to discuss payment arrangements and they denied me stating that my offer to make payments to them were not enough for them. 

I later received court documentation to for a court trial as the lender ( loanMe ) had filed in small claims court. I continued to get harassed and have asked them to stop harassment as we already have a court date set XXXX. The phone calls and harassment seem to persist. 

I also received an email from the customer service department at LoanMe XX/XX/XXXX and they sent me information for my loan and another borrower. Leading me to believe that their policy to protect my privacy is not adhered to with Privacy laws Act. 

Please look into this company regarding harassment and the lack of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT 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 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 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX has been providing false information on my credit report. 
The company 's have been contacted via phone in this regard. 

XXXX 's website has not allowed me to check my credit by phone or online and informed me that the information in there system is not correct. Names, date of birth, and also the social security number. 

I have a copy of this information for the record. 
The other error in information is about positive credit and, on time credit payments should equal to a positive impact. 
Even that the child support payments have always been paid on time. 

I paid off a account and still have not gotten a fair credit score. When there is no negative debt owed to anyone. 
Instead of increasing the credit score it actually decreased when I made the payment in full. 
Pre-poppulated an email sent to my account that my credit score has new updates and prompted me to login to their website and make a payment to boost my account. 

XXXX completely block 's me out the account even though they were sent the requested documents. 

XXXX has done similar actions. Requesting me to purchase their credit boost. The false information is still in the system. XXXX did increase the credit score when the last debt payment was paid. 
However there are other names on my credit report that are false and information about my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX several times and they agreed to actually remove all the verified information that I provided to them and it was not matched with my true identity and information Therefore it was fraud so Ive submitted to them and FTC report along with the police report which they agreed to remove the account, the account was removed in XXXX however it was put it right back on my credit report as of current date I would like to get it removed soon as possible from all credit bureaus because this account is fraudulent activity that was not authorized by me.
Product: Student loan

I requested a refund from edfinancial and have not received it yet. I have received no updates on whether it is being processed or not
Product: Credit reporting or other personal consumer reports

Transunion ( TU ) is failing to provide verifiable proof of their investigation. I've contacted them XXXX times over the last XXXX  months and each time they've failed to send any verifiable proof. However, they claim the information has been verified. This is strict violation of 611 of the FCRA code. I need TU to be held accountable for their strict violations in the law. If they do NOT provide sufficient proof how do we know TU is performing under the color of the law. Please see the following XXXX letter I'm sending them requesting information me blocked/removed due to identity theft. How are they verifying the information if the account in questions is fraud. Please see this matter is handled to the regulations which hold them accountable. I'm including all records of the last XXXX letters. Additionally, TU failed to my original letter mailed on XX/XX/year> they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my disputes and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to TU. I need this matter honor per FCRA laws.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Product: Credit reporting, credit repair services, 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  Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center 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. 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

There are two companies trying to collect and report on my credit file for an XXXX XXXX XXXX bill which is unknown and I do not owe XXXX XXXX XXXX. Requesting removal I have disputed and nothing received for any type of validation. Please help this is n't right
Product: Credit reporting or other personal consumer reports

There is no account number for XXXX XXXX on my credit file. 

XXXX XXXX states that this account was charged off as a bad debt. I should receive a 1099-C as this would be income on my taxes. 

Income should not be listed on a credit report. Please remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized this inquiry from this company.
Product: Checking or savings account

I went inside branch to open up a business account I deposited a very large amount check that I was given by the irs from a XXXX I filed XXXX years ago. My check cleared and funds was released but a manager in the branch flagged my account for no reason and when I went there he had no explanation he asked for tax forms to prove where and why I received that amount of money which was none of his business but I brought the proof to him and he closed my account with no explanation and told me they will send my money / check to irs I waited a month and contacted the irs and they said they havent revived anything so basically this company has stolen my money
Product: Checking or savings account

The company has locked my card 10 times now in the last two months and then when I try to verify my charges, the card won't unlock and then I have to call the bank and wait on hold for an hour. This has been beyond insane and I need to pull my money out of there. This is just one of many issues that leads to them withholding our money.
Product: Debt collection

This Debt was paid in Full in XXXX of 2015. They are still reporting it as a {$0.00} balance but has not till this day changed that it was Paid in FULL and it 's closed. I have suffered and repeatedly disputed this from the XXXX credit buerus and still have not takin any action. I do n't understand why it takes a year and till this day keep reporting it as open and {$0.00} balance. I also asked for it to be removed because of the inaccuracy and they told me no
Product: Mortgage

Our mortgage was bought and sold XXXX times by various companies. The current owner, Nationstar Mortgage, recalculated our payments and even though we NEVER MISSED A PAYMENT ( even paid more on principal every month since the inception of the loan ) they charged us fees, penalties, and interest that they themselves could not explain. We hired an attorney to understand what we were being charged for and he ultimately told us he could n't talk to anyone who could explain it, show a proper accounting of the " recalculation '', and could not even begin to figure it out. The attorney thought that we had been " swindled '' for XXXX of dollars through devious and deceptive accounting methods. In fact, Nationstar Mortgage could not even provide us with an amortization schedule of our loan to this day! On top of this, we have a red flag on our credit as having missed payments when we NEVER missed a payment and ALWAYS PAID EARLY and above the required payment. To date, we are convinced that their " recalculation ( s ) have cost of XXXX of dollars ( if not XXXX ) which they can not explain in words or figures. If a lawyer can not help us then we felt we had no alternative but seek help from your agency. The transference ( Sale ) of our mortgage to Nationstar Mortgage Company from XXXX Bank has been a nightmare from the inception and has cost us more than just money. We need help and intervention for a full explanation and accounting from this company. 
We thank you for your help. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been harassed by XXXX XXXX XXXX. under 15 U.S. Code 1692e - False or misleading representations. I continue to receive letter for XXXX different credit card debt and the most recent is being threatened to sue me. This debt was investigated by XXXX XXXX XXXX, and deemed as fraudulent and doesn't belong to me. This issue is causing undue stress and anxiety. Here 've stopped answering my phone for unknown numbers because of the continuous harassment. Also, negatively affecting my financial standing.
Product: Credit card or prepaid card

I have called reliacard several times in order to get a replacement sent to me and Ive uploaded my identity documents several times to no avail. I just received my 1099 with my benefits loaded on to the card amount and I still have no card!!!!! I dont know if someone stole it or what but Im about to report them for fraud bc I have to file my taxes and pay on money I NEVER RECIEVED!! Help please.
Product: Debt collection

15 USC 1692c I've never done any business with this company. I don't know who they are. I've never signed a contract with this company before for anything. I never gave written or verbal permission to anyone to pass my information to this XXXX party that I've never heard of.