23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXXection 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage Services , LLC . is engaging in unethical and predatory business practices. Ive been experiencing financial hardship, and this caused me to fall behind with my mortgage payments. From the time this company has taken over the servicing of my mortgage I received nothing but rude unprofessional service and inconsistent responses. My complaint is regarding the loss mitigation process and the company refusing to take my payment. 
On XX/XX/XXXX I call to check on the status of my loss mitigation application and the representative stated that my XXXX tax return was not signed and that is what is holding up the process. I replied that I didnt have access to a printer thats why I supplied the official XXXX transcript from the IRS. I questioned why, was the XXXX tax transcript acceptable and not the XXXX transcript. He could not answer the question and only replied just send the signed the XXXX tax return. Then a few days later I get a letter from Carrington dated XX/XX/XXXX stating my loss mitigation application has been cancelled because I did not supply requested information. This is an absolute lie. I have dated emails to prove this and I even sent all the information again. 
On Friday XX/XX/XXXX I made a {$5000.00} payment via XXXX. When I called to confirm that my payment has been received, the representative by the name of XXXX # XXXX stated my payment was returned because my home is in foreclosure and has been since XXXX and it is company policy not to accept any payments. She then went on to say that she can request a reinstatement and the XXXX billing statement with a total amount due as of XX/XX/XXXXas {$5800.00} is not the correct amount I owe. I questioned, how is it incorrect she stated that attorney fees will be added, I questioned why when the {$5800.00} includes attorney and filing fees totaling {$1100.00}. She then stated that the attorney fees accrue daily. What makes this so disheartening is the fact that I checked with the clerk of courts and nothing has been filed with them. Furthermore, when I was sent the loss mitigation application, the rep stated that while going through loss mitigation, the foreclosure process will be temporarily halt. Thereby giving additionally time to come up with the money. In addition, I was only short {$170.00} because the {$640.00} was not due. 
This companys only agenda is to take my home. The loss mitigation is a joke they never had any intention on processing my application because I supplied everything they requested and to come up with {$5000.00} only to have my payment returned is unbelievable. Please dont allow this company to do this to me or anyone else that maybe going through financial hardship. These practices can not be legal. Please any help with matter would be greatly appreciated. Please dont allow this company to take my home its all my kids and I have. I have lost my marriage and my business ; I cant lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- wont remove collection of inaccurate info, XXXX  removed this for inaccurate info i asked repeatedly for them to remove this the last response i got was those may be so ( transion removing it from my report ) but info is accurate -it for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX , XXXXXXXX 1 XXXX XXXX XXXX PA XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX this is inaccurate the other 2 bureaus have removed these inaccurate info it does not let me dispute this one Date Reported : XX/XX/XXXX Collection Agency.-.XXXX- XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$750.00} Amount {$750.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting income to consumer 's report. The IRS has accepted this as reported income and XXXX cancellation of debt by XXXX XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX was received from IRS. Equifax is inaccurate reporting income which is a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX I am not a third party or credit. Reporting income is not accurate ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information Delete immediately and monetary compensation FCRA violations for 15 USC 1681i and 15 U.S. Code 1681e - Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information. Up to a {$1000.00} per violation. 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- -INQUIRIES -- XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint with Experian about wrong information on my credit report. I got a reponse from XXXX that account was suppose to be removed back on XX/XX/22. Its still on my credit report with Experian. This needs to be removed as soon as possible. Its hurting me very bad.
Product: Debt collection

XXXX - Porfolio Recovery. 
It is now XXXX XXXX where I live and this number has called me 27 times in the past hour. This company calls constantly from numerous phone numbers and demands my birth date and ssn before they'll give me even their company name. I get the company name by calling the number. I have sent several cease and desist letters through certified mail, but they refuse to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I logged into MyEquifax, and it was blank. No accounts, no personal information, trade lines, nothing. BLANK. 
So I contact Equifax, they tell me to fax a letter explaining the issue and ID documents. It will be fixed in 30 days. I do that immediately, Today, XX/XX/2021, I open up MyEquifax, and blank, Nothing on my equifax file, not fixed! 

I have attached my XXXX equifax that shows my accounts. And the XXXX blank equifax report & XXXX blank equifax report. 

If this is not corrected in 30 days or less, I will have a consumer protection attorney here in Kentucky fix it for me!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is agaisnt the law to report any information not proven accurate. 
In accordance with the fair credit report acting, everything has to be 100 % accurate on my credit report and under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

On XXXX XXXX, 2015, I contacted the toll-free number for TransUnion Online Personal Credit Service to complain that the service was merely a front to sell me more products and did not provide me with a credit report as advertised when I signed up. The number XXXX was answered by someone CLEARLY not in the US. The Operator refused to tell me where they were located and when I asked to be transferred to a call center in the US, was told I would need to provide all of my personal info. I will not provide that info to an off-shore service. 

After XXXX calls and XXXX VERY RUDE refusals, I have decided to take this route in hopes of having people understand this joke of a service. I want this service cancelled, any money charged me returned and people warned as to what a clear waste of time this product pushing service is for the average consumer. 

How can the division of TransUnion that provides credit reports through the mail transfer me to a US call center, but another division so thoroughly waste my time and degrade what little reputation your company already has '' Thank you
Product: Checking or savings account

On XXXX17- I went to chase bank and made a atm cash deposit of {$500.00} dollars all in 20 dollar bills. While processing my transaction the atm machine shut down and stated " this device has experienced a technical problem ''. To confirm that your last request was completed properly, please visit chase branch or call us toll free XXXX The atm printed this slip of transaction which has the date, time, AID # Term Id # chase bank address card account number I called customer service immediately to report the problem they stated a case would be opened and they asked for all specific information on the atm receipt, DATE, TIME, ACCOUNT NUMBER, term id # they advised it would take 10-15 days to investigate although they would give me a provisional credit. 
I never heard back until yesterday XXXX/XXXX/17 as they now charged back my account {$500.00}. I called customer service number to inquiry on chargeback and they stated the deposit was not found and therefore they charged back my account. No overage money was found. 
The atm has a camera which they can review- the atm receipt has a transaction number /sequence number so how can my money just disappear. Now they are opening a 2nd investigation which can take up to an additional 15 days which is ridiculous that I have been inconvenienced and now 30 days later wait to wait for them to reinvestigate again. The atm machine is their responsibility and the bank has now put me in financial difficulty by taking funds out of my account due to their atm malfunction.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax Your listing that XXXX XXXX  account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Product: Debt collection

Cashnetusa has continuously called my phone number for over a year, and Im just about tired of it. I used to have an account with them, but I do not anymore, and I email to confirm, and they told me they have not been calling me. With that being said, I have a new number, and I have suspicions that they are trying to contact the person that used to have this number for their loans. When I emailed them about not contacting this phone number, I was ignored and told they werent calling me. They call me at least once a day sometimes more on many different phone numbers leaving the same exact robotic voicemail. I have asked them to stop, and they wont. They completely disregarded me telling them that they are now contacting the wrong number since that person does not use this number anymore.
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 



Please erase from all credit reporting agencies
Product: Credit card or prepaid card

I was alerted to a low balance on my direct express card on XXXX XXXX at around XXXX I immediately checked my transactions online and noticed my account had unauthorized transactions. I called and reported it immediately and had the card shut off and claims put in for the transactions. I was told to wait for a questionnaire to fill out that needed to be back by XXXX XXXX and XXXX according to each claim. The questionnaire never arrived I called in on the morning of the XXXX and was told to type a statement and include my police report of the theft with it. I did that and faxed it to them. I called back in 8 hours later to make sure they received the fax and was told my claims had been denied. These were unauthorized claims and my money was stolen and they were reported immediately to them and they are refusing to give me my money back. I still haven't even received my new card in the mail. They tell me to call the vendors of the transactions which I've tried and someone them you can't even speak to anyone specifically XXXX which is the biggest ones.
Product: Mortgage

SPS Foreclosure and Deceptive Practices History for XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Entered into a commercial mortgage on a residential property. The default rate is XXXX XXXX XX/XX/XXXX : XXXX XXXX came through and created large damage leaving the homes on XXXX XXXX without power and water. Trees and debris and fences were down at all properties and it took over a month to get it ready for renting again. I had over {$50000.00} worth of damages for clean up and fixing and also another {$50000.00} in lost rentals over those months. 
XX/XX/XXXX : Spoke to SPS ( select portfolio servicing ) regarding this and was told that I can just do a loan modification on this property and also another XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that was also with SPS. During this time I had also made contact with all lenders ( 9 ) letting them all know I am going to only need 3 months in order to start back up again payments and I would just make up the payments or do a loan modification. 
XX/XX/XXXX : Wanted to start making payments again and got notice that my new rate was defaulted at 20 % or over {$20000.00} per month. Going from about {$5800.00} to over {$20000.00} per month. So I could not make that payment as it was XXXX the amount. 
XX/XX/XXXX : Spoke to SPS regarding both properties and they said to apply for a loan modification and stated this is best way to handle both as I am eligible. So I started the process for XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same time giving the same details and the same information. I was told I was only approved for a loan modification on the XXXX XXXX XXXX  I tried to work directly with SPS, but they were so hard to talk with and also I would send details over and they would then ask for the same details again. More then 3x for some documents. I felt like I was not moving anything forward and the monthly amount owed was getting larger and larger, so I hired XXXX XXXXXXXX XXXX in XXXX to help with this. 
XX/XX/XXXX : I was approved for XXXX XXXX XXXX XXXX  make up the payments and add more funds to the regular payments over 6 months and I did this and finished making up the amount owed in 6 months. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX where with the loan modification with SPS. We were continually speaking with them and sending them details over. SPS stating that each time this is the last item needed. It was not and this is why it lasted for 9 months. Finally I got a foreclosure notice and this is when I had to let go of XXXX and now hire a foreclosure attorney. 
XXXX XXXX XXXX : New Attorney working on getting details in order to help to settle the matter and pay the mortgage payments owed as per the original interest rate, not the 20 % as I have put away the mortgage payment away every month just want to reinstate the loan. The original loan was XXXX XXXX and now it is XXXX XXXX  because of the interest rate and fees that they have assessed. 
XX/XX/XXXX : Mediation with Plaintiff and they stated that I am not eligible for loan modification. Still SPS is sending me letters and calling regarding me sending in additional information to do a loan modification.
Product: Credit reporting or other personal consumer reports

I have sent letters and also filed ftc reports to XXXX, equifax, and XXXX. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX XXXXXXXX XXXX- {$530.00} - XX/XX/2024 XXXX XXXX- {$340.00} - XX/XX/20XXXX XXXX XXXX XXXXXXXX - {$500.00} - XX/XX/2024 XXXX XXXX- {$6000.00} - XX/XX/2024 XXXX XXXX XXXX XXXX XXXX {$520.00} - XX/XX/2024