23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother, XXXX XXXX XXXX passed on XXXX XXXX, XXXX. I am the Successor Trustee Of The Estate, The XXXX XXXX XXXX Living Trust. SPS acknowldege me, and approved me for a Trial Modification Home Retention option, in which correspondence I uploaded dated XXXX XXXX, XXXX, and I complied with the Trial Payments. On XXXX XXXX, XXXX I received the permanent loan modification documents, in which I signed the agreement and sent back to SPS on a timely manner, uploaded the Permanent modification documents. XXXX XXXX, XXXX after I complied with the trial period payment, after I signed and sent back the agreement SPS sent me I received correspondence from SPS informing me They were NOT going to go through the Home Affordable Modification, which agreement I accepted, signed, and sent back, because they are unable to verify my identity. Mind you, I complied with everything that was asked of my, documents, payments, and they breached the agreement we reached. On XXXX XXXX, XXXX I received correspondence from SPS returning my first permanent modified payment to me. I am at loss for words with all that has happened and continues to happen. I am now facing foreclosure because SPS decided to renege on the agreement reached in which to I signed acceptance to, and payments were cashed. Please help me avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are un aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX  card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.
Product: Credit reporting or other personal consumer reports

The following account has been on my Experian and XXXX credit reports for years : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Alleged date opened : XX/XX/2018 Alleged balance owed : {$2500.00} This account is not mine and needs to be removed from my consumer reports. I have requested the following information from XXXX XXXX XXXX XXXX  for them to investigate the fraudulent account : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that gives you rights to collect in my state. 
6. The purchase agreement 7. Swear under penalty of perjury you were present during the alleged debt 8. Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers are correct 9. Master Bill Of Sale 10. Proof that the account number XXXX is 100 % accurate since this number was reported to my credit report. Anything account other than XXXX is not 100 % accurate and therefore would need to be removed from my credit report.
Product: Vehicle loan or lease

Ally Financial secured the vehicle in XXXX of XXXX and has continued to report the same amount owed. In communications where we have requested the accounting, receipts, notice of sale, information relative to cure, etc. we have simply received notations that the matter is closed. We have also asked for the original contract and further communicated with all three consumer bureaus relative to who they spoke with that verified this false information. We have been stonewalled and continue to receive an answer that the debt is verified with no documentation or substantiation. We have continually made good faith efforts to discover the disposition of their recoupment, how this has impacted the alleged balance and further why they have not followed any of the NC laws related to repossession, but instead opted to continuously, purposefully and willfully report inaccurate information that has damaged my credit reputation. The balance of {$11000.00} is grossly inaccurate subsequent to the recoupment. This balance has been reported for over two years ( since XX/XX/XXXX ). The payment history is also inaccurate. In fact, when we disputed the information, they illegally updated their records and renewed their false reporting to the bureaus. We allege that they have engaged in false and deceptive business practices. They have admitted as much publicly as they have been the subject of litigation for this very issue.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : 01 XXXX ) account numberXXXX Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was XXXX XXXX XXXX XXXX. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to transunion, XXXX, and XXXX  as such, and is totally inaccurate, the other problem is in XX/XX/XXXX-XX/XX/XXXX I noticed two 30day lates added to my credit report after the closing of account in XX/XX/XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.Transuion is reporting no payment history on this account at all, XXXX, XXXX  all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, XXXX XXXX XXXX XXXX XXXX.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX which was made on XX/XX/2015. I checked my credit report, which I acquired from Transunion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Mortgage

In XX/XX/year>, M & T bank sent a notice of escrow shortage. In the letter it states if you choose not to pay the full escrow shortage amount to refer to the next page to see how the payment will change. This statement implies if the escrow shortage is paid there would be no change in payment. On the second page it shows the current payment and the new payment, if escrow shortage is not satisfied. No where in the entire notice does it show what the new payment would be if the escrow short is satisfied. This bank knowingly and willingly uses deceptive language and practices in their annual statements. This complaint is a demand for M & T bank to correct their deceptive practice by updating their annual escrow shortage statements to show the consumer 3 things : 1 ) current payment, 2 ) new payment if you do nothing, 3 ) new payment if you satisfy the escrow shortage.
Product: Credit reporting or other personal consumer reports

Notice to trustees This account is held in a pure irrevocable XXXX trust under XXXX XXXXXXXX and the exclusive rules of equity. 

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of ( a ) Accuracy and fairness of credit reporting You purpose ( b ) Reasonable procedures You must give me equitable relief Identified by the ACCOUNT NUMBER the res and the beneficiary and the settlor were to be declared PRINCIPAL and the purpose was to settle any and all claims for and against the beneficiary then to have the trustees to return the res to the beneficiary.

claiming the ACCOUNT and all accounts and cases associated as trust res to settle any and all claims against beneficiary to have trustees return res to beneficiary the state of intent is the same as the purpose to settle all claims. 

I hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist. 

I accept as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances for the benefit of Grantor/Settlor/Beneficiary
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach.

The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting an inaccurate account XXXX XXXX account XXXX XXXXXXXX with a charged off status on my credit report with a balance {$0.00} and high balance of {$560.00}, and {$330.00}. 
****In accordance with the provisions of 15USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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: Payday loan, title loan, or personal loan

Payment was marked late when it was supposed to be a skip payment for the month of XX/XX/XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX around XXXX in the morning, I went to a Capital One ATM located at XXXX XXXX XXXX XXXX in XXXX, Virginia to make a cash deposit of {$1000.00}. As usual, I inserted my bank card and deposited XXXX ( {$100.00} ) dollar bills to the machine. The machine sounded like it normally does when you deposit cash to the ATM machine. This time, however, the machine was taking much longer than usual and for about 5 minutes I continued to wait in hopes that I would be able to receive a deposit slip. After 5 minutes, the screen went black and did not receive any confirmation nor my bank card back. Immediately I was concerned and went inside to speak with someone in the bank. 
I was informed by a bank teller that they do not have a key to that ATM and was instructed to submit a claim. My claim ( # XXXX ) for my account ending in XXXX was submitted. 

Over a month later on XX/XX/XXXX, I received an email reply stating that my claims has been denied. Their reasoning is that their review of ATM systems do not show a record of a deposit into your account at the ATM terminal. 

This is completely unacceptable and I'm very concerned and upset about this matter for the following reasons : 1- My money was inserted into the machine so how could {$1000.00} dollars NOT be accounted for? 
2- Not only does the ATM stole my money, but it also stole my bank card 3- They should have camera surveillance of me inserting money into the machine 4- They are adamant about helping their customers with fraud, however, they are the ones robbing me of the {$1000.00}! 

Please, I urge you to help me in getting my {$1000.00} and bank card back. There should be no reason why they are not able to locate my money in the machine. 

Thank you so much for your help and please let me know if there is anything else that I can provide to get this matter resolved. 

Best Regards, XXXX XXXX
Product: Debt collection

I getting call from debt agencies daily. I have put there numbers on block list. It is usually same companies, but change their numbers. They leave no message. I believe these are robocall scamming. This has been going on for months. 

Companies are : XXXX XXXX XXXX Ars National Sr
Product: Debt collection

CCM FINANCE LLC Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/2022 Original balance {$22000.00} Account info Account number XXXX Open/closed Closed Date opened This company threatened me take action n sold the car no longer debt of mines remove immediately they didnt not solved issue last time they sent me to numerous wrong ppl n hung up
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Rushmore loan management has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
Product: Debt collection

Company is Reporting debt under {$500.00}. As per H.R.2537 - Consumer Protection for Medical Debt Collections Act medical debt under {$500.00} will not be listed on credit report. Company has failed to validate debt and provide with my signature agreeing to pay this debt as per multiple requests in XXXX of XXXX. 
Debt is also past the statute of limitations to collect or report as per Virginia State law which is 5 years on any contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$670.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ;
Product: Debt collection

XXXX XXXX aka squium asset solutions and they did not put an account number. I have not had a XXXX XXXX account in over 6 year. They are say XX/XX/2018 through XX/XX/2018. I have XXXX XXXX And on my credit report they dont list an account number so I have no idea what this.
Product: Debt collection

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Re : TJX RewardsMasterCard AccountNumber : XXXX Account Balance at Time of Sale : {$220.00} Date : XX/XX/23 Dear Synchrony Bank, ( A Dispute Complaint ) This letter is to inform you that the above amount is not my bill. So, I am dispute it. 
I personal visit the store and spoke to the manager and gave her a written statement OVER TEN YEARS AGO. 
The above is not my account of my bill. So, please leave me alone... .This is totally unlawful for you to continue over several years bothering me on an account that not legal my from the start. THANK YOU!