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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX. 

I have proof to show for it. 

Kindest regards, 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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX Account Number # XXXX, Account name : XXXX  XXXX Account XXXX #, Account name : DEPT OF EDUCATION/XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX, account name XXXX  XXXX XXXX Account XXXX # XXXX, account name XXXX XXXX XXXX Account Number # XXXX, account name XXXXXXXX XXXX XXXX Account Number XXXX, account name XXXX XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXXXXXX XXXX XXXX  Account Number XXXX has, account name XXXX  XXXX XXXX Account Number # XXXX, account name XXXX XXXX Account Number # XXXX XXXX account name XXXX XXXX Account Number # XXXX 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

I am being charged four hundred percent interest on a partial payment made of XXXX instead of XXXX, the contract allows a partial payment, with a small interest on the last payment. I am being threatened with repossession if l dont pay XXXX interest for the partial payment, by Discount auto, when the contract is with american carmart. All payments made since the partial payment are not going toward the principal.
Product: Mortgage

Each time that I am notified that I have mortgage docs to review, unlike XXXX, where I can choose to read, but not sign, the system at JP Morgan Chase states that I have signed whatever it has sent through its secure system. This has been going on since XXXX XX/XX/2023. I currently have been notified that there are docs, but given the above, I can't see what they are lest I be deemed to have agreed to whatever they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach  Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Mortgage

After our home was fully remodeled after the XXXX XXXX in North Carolina, we listed our home for sale. We could not afford the second mortgage, we're a military family and we were renting the home until the hurricane hit. When we tried to sell the home, we realized we would need more than $ 11k at closing so we proceeded with a short sale. During that time Freedom Mortgage sent a preservation company to the home to mow the lawn. While mowing the lawn they busted the water spigot on the back side of the house which caused water to leak inside the home for almost XXXX weeks before the appraiser from Freedom Mortgage arrived and alerted my real estate agent. The home was under contract with a short sale and during this time the home was vacant as we were waiting on the appraisal to move forward with the sale. This happened in XX/XX/XXXX and as of today, XX/XX/XXXX the damage has not been repaired. We can not rent, sell or live in the home due to the excessive damage and mold. We had another cash offer on the home after the buyer backed out and the VA denied the cash offer because as they stated, Freedom Mortgage is responsible for the damages and filing a claim to have the home repaired and back to the condition it was in prior to the water damage. We are being forced into foreclosure as we have no other option at this point. We have gone around and around with Freedom Mortgage, and the VA. My last conversation with the VA I was told to walk away. I do not think it is fair to us as the home owners to be forced into this situation when it was not our fault. We are taking the hit financially and even harder on our credit.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX through Money Gram and they told me they had a technical issue and refused to give me my money back. I sent the money on XXXX and they keep telling me that its a technical issue and it will be resolved in 2 days. Today is XX/XX/11 and there is no end in sight. Money Gram refuses to give me my money back.
Product: Mortgage

Simply stated, I filed an application for loss mitigation with Flagstar Bank in XX/XX/XXXX, the application was denied and I had to refile in XX/XX/XXXX. The application I refiled was approved and I went on a trial plan XX/XX/XXXX through XX/XX/XXXX. Meeting all those payments, my loan was accepted as permanent and I signed and returned the documents. I made the permanent payment amount which was a slightly higher amount then the trial period. Flagstar claims I didn't signed the permanent agreement correctly and closed the deal without proper notification and while I was doing everything possible to communicate and work with them. I have attached many supporting documents including a timeline of events, and similarities to the administrative action filed against them in XX/XX/XXXX. I have been in contact with Flagstar daily and done everything asked of me. Flagstar withheld critical information that closed my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Portfolio Recovery a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week Portfolio Recovery sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from XXXX XXXXXXXX. I currently have two great standing accounts with XXXX XXXXXXXX so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.
Product: Mortgage

To Whom it may concern. 

RE : PNCXXXX XXXX XXXX, XXXX VA XXXX XXXX NUMBER XXXX My name is XXXX XXXX and I bought this property a while back in XXXX. 
This letter is to complain about the way and manner that PNC bank has handled and is handling the sale/repossession/foreclosure and or short sale of this property. 
I fell into hard times that caused me to reach out to PNC Bank that I was unable to afford my mortgage any longer. They locked me out of this home since XXXX. Since, that period, I enlisted into the XXXX XXXX as a low-rank enlisted XXXX with no rating. I have since been deployed and moved around the country for duty. It has been extremely hard to keep up with rent and mortgage and other financial challenges I have experienced during different periods, in the past years. 
After plenty of communication between PNC and me, they asked if I wanted the house to be foreclosed on and I said yes, they came back and asked if they should process a short sale, to which I responded, please do whatever you need to do, to take back the home. They requested several documents of proof of hardship, which I faxed and emailed over several different hardship applications and paperwork, but PNC always claimed, they never received any of the applications. PNC MORTGAGE bank gave me many foreclosure dates and they continuously change those dates. Eventually, I left the coast for duty and PNC MORTGAGE BANK proceeded with placing this delinquency on my credit for 7 whole years. Eventually, it fell off my credit, and I was able to purchase another home for my family of XXXX. 
Late last year, out of the blues, PNC reached out to me again and started the whole conversation about short sale/foreclosure all over again. I spoke many times with PNC but met a brick wall. I finally sought the help of a realtor who became a designated agent for me, and they started giving her the same runaround I had received from them in the previous years. I spoke with the PNC bank severally about this, and they repeatedly told me to write several hardships letters and fill out PNC BANK forms sent to me by the banks representatives. I have submitted multiple hardships forms and my real estate attorney has made several efforts to contact the PNC mortgage and sent in many offers for the purchase of the property from potential buyers. PNC ignored every attempt to speak with the staff about potential buyers proposals. 
My realtor eventually advised me to seek the help of a Real Estate Attorney, and I did contact XXXX XXXX to reach out to PNC Bank, on my behalf. 
As of today, PNC bank has told my attorneys that theyre unable to process the short sale application. 
They advised me to reach out to your office for assistance in this matter. 
Please I need help. 

Thank you in advance. 
Phone # XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sadly during the pandemic on COVID-19 I wasnt able to work as much even being essential healthcare worker. I consolidated my payments into one. Its showing negatively on my credit. I been trying to dispute and talk to someone for years for the companies and received no feedback. I have continuously have told them. According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you nothing removed off my credit report its been a bad experience
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report, as furnished by your agency. I believe the reported information contains inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 and 1681 ( a ) ( 1 ).

1. **Details of the Disputed Information : ** - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX IS NOT DELIVERABLE TO ME AND IS NOT REPORTABLE BECAUSE IT IS INNACURATE - Nature of inaccuracies : There are apparent inaccuracies in the attached portions of my credit report across all three major credit bureausXXXX XXXXXXXX XXXX and Experian. 

2. **Basis for Dispute : ** - The inaccuracies are in violation of 15 U.S.C. 1681s-2, as the furnished information is not accurate and complete.

- I request an investigation under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to correct the inaccuracies promptly.
Product: Credit reporting or other personal consumer reports

EQUIFAX deleted child support account on my credit report only to reappear months later to have a negative impact on my credit score
Product: Debt collection

I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report which is to prevent unauthorized access to my file with Equifax. I ordered a copy of my credit report as I started getting calls from various companies offering me a car loan only to find out these companies had accessed my credit report without my permission even with a fraud alert present. The following companies were found upon my review of my Equifax credit report which were unauthorized : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a credit monitoring alert from XXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX different unauthorized inquiries from Ally I have never solicited credit from this company
Product: Mortgage

We signed a lock rate agreement on XX/XX/2023 in the early stages of a loan application from Toll Brothers Mortgage. The lock rate fee was 1 % of an estimated {$350000.00} loan with an interest rate of 7.37 %. We did not pay the lock rate fee when we signed as the lender indicated that the fee would be issued as a credit to be settled at closing. Subsequently, in XXXX of 2023, we applied for and received a mortgage loan from XXXX XXXX XXXX XXXX at a much lower interest rate and for a final loan amount of {$310000.00}. At closing, Toll Brothers mortgage charged us the {$3500.00} lock rate for a mortgage we did not receive from them and for a loan amount we did not obtain. When asked why the fee was being charged, the Toll Brother Mortgage company stated that since we signed a lock rate, we would have to pay it. It is our understanding that Virginia law allows us to change mortgage lenders at any point and we should not have been charged a rate lock fee for a loan we did not obtain from Toll Brothers mortgage.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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: Payday loan, title loan, personal loan, or advance loan

Applied for a loan {$2600.00} and was not aware that they company does not have a license to operate in Virginia due to state statute of excessive interest rate over 12 % and do not have a license to operate by way of XXXX  loans such as pay day. I was also unaware that they charge a statement fee which is interest and exceed more than what was borrowed. netcredit uses a work around to stick you to Utah Law that doesn't have a cap on interest but they do not tell you. Furthermore, the attorney general of Virginia sued them in XXXX leveraging that they do not have the authority to operate in Virginia and that they were preying on Virginia residents. Netcredit has used deceptive practices to lure you in.
Product: Bank account or service

Wells fargo still continues to charge me MIP, when my over XXXX % in equity Mortgage insurance premium ( MIP ) Payment amount {$260.00} Premium amount {$3100.00} Frequency every 12 months Next due date XX/XX/2017
Product: Credit card or prepaid card

On XX/XX/19 a payment was submitted for {$1000.00} it should have been for {$100.00}. I called the company and the representative said 3-5 business days to see if it will be approved. My bank is overdrawn and I need the funds back into my bank account as soon as possible.
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 XXXX {$520.00} XXXX XXXX XXXX {$250.00} Late Payments 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( XXXX ) 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}