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

Last year I realized that the l was a victim of Identity Theft. After contacting Equifax they along with the other two requested an Identity Theft report from local police. I have sent Equifax the information more than 5 Times and they refuse to correct the 6 Inquires and Collection account reporting ( ALL Not Mine ). Since they refuse to delete the inaccurate information I am contacting you for your assistance. Maybe they have not learned their lessons from the past.
Product: Mortgage

I am the victim of predatory lending. Loan is owned by XXXX XXXX XXXX XXXX XXXX  Mortgage Loan Asset Backed Certificates, Series 2006 AHL1. Purchased home in XX/XX/XXXX. Mortgage crisis and recession caused reduction in income as a small business owner. Got XXXX loan from XXXX  and XXXXXXXX loan from XXXX  to purchase a XXXX family home on less than one fourth acre of land. Interest rate was 7.99 ARM and XXXX  per month. Entered Forbearance Agreement with XXXX and paid XXXX, then paid XXXX for 5 months. Offered a loan mod with fixed 2 percent. XXXX   loan was charged off. Servicer XXXX XXXX XXXX increased 2 percent fixed to 7.99 ARM., charged late fees, and reported late payments and default to credit bureaus until XX/XX/XXXX when Nationstar became servicer. Nationstar refused to take payments to cure and charged late fees, inspection fees, etc. to increase costs. Nationstar threatened foreclosure unless enter into loan mod which required payment of XXXX, 2 percent interest only payments for two years then interest rate returns to 7.99 ARM. Requested rescission. Nationstar returned payments, forwarded a loan mod signed by an assistant secretary and instituted foreclosure. I questioned payment history. Four delinquent payments went to 10, then in one month increased to 51. The default grew with late charges, interest, attorney fees, inspection fees, etc. Foreclosure started. Filed bankruptcy to stop the sheriff sale. Nationstar appraised home at XXXX and provided credit score of XXXX  since XXXX, XXXX XXXX XXXX, Nationstar reporting delinquencies due to foreclosure actions since XX/XX/XXXX. Nationstar required trial payments at XXXX for 3 months before modification. Missed court due to Family emergency. Case dismissed so stopped payments until case was reinstated. Made up missed payments but Nationstar did not receive a payment before the end of the month so it rescinded the trial period plan under its standard modification program and said I defaulted. Nationstar told XXXX  it was going to offer XXXX as P and I payment but for the default. The court ordered application for mod under its loss mitigation program. I resubmitted application with XXXX 's help. In XX/XX/XXXX paid XXXX  for adequate protection payments until Court increased payment to XXXX a montMr. Cooper offered Trial Period Plan under Alternative Modification Program requiring three payments of XXXX before a permanent loan mod. Mr. Cooper reports interest bearing unpaid principal balance post mod is XXXX and will forebear XXXX. Payments are XXXX, home worth XXXX but owe XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

An account was placed on my XXXX credit report without notice or verification the debt/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account.
Product: Mortgage

MY MORTGAGE COMPANY CONTINUED TO PAY TWO INSURANCES, UNBEKNOWN TO ME. MY PREVIOUS INSURANCE, XXXX XXXX, WAS SUPPOSED TO BE CANCELLED PER SEVERAL PHONE CALLS I MADE TO THEM. HAVING FOUND A BUNDLE DEAL WITH XXXX XXXX, I CHOSE XXXX XXXX AS MY NEW HOMEOWNER 'S INSURANCE CARRIER. ALTHOUGH I TRIED, THE PREVIOUS INSURANCE WAS NEVER CANCELLED, AND THIS CAUSED MY ESCROW ACCOUNT WITH US BANK HOME MORTGAGE TO BECOME NEGATIVE. I THEN HAD TO PAY {$2300.00} IN ORDER TO BRING THE ESCROW ACCOUNT CURRENT.
Product: Credit reporting or other personal consumer reports

I'm writing to impart my nervousness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be completely investigated. Despite my undertakings, I as of now apparently can't get any objective or helpful action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a standard life. The unfriendly outcomes of these errors have caused tremendous challenges for me, and I'm left with no choice aside from to contend for your assistance with revising what's going on at the earliest open door. I sympathetically request that you lead a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the significant advances are taken to revive and correct my credit report immediately. With your help, I want to restore the accuracy and trustworthiness of my credit report so I could recuperate control over my money related thriving. I genuinely urge you to offer this matter your most outrageous thought and take a fast action. Your cooperation and moving in settling this issue promptly would be very significant. Thankful to you early on for your understanding and help.
Product: Money transfer, virtual currency, or money service

I sent {$80.00} to a friend and when I checked my account the next day, the transaction had occurred twice. When I attempted to cancel the pending transaction, I was told I would receive no refund and the money now simply belonged to the person it had been sent to. I did not authorize this transfer. Cash App does not provide any sort of confirmation of transfer prior to transfer, rather, it is simply a single send link that completes the transaction.
Product: Credit card or prepaid card

I have unexpected charges on my credit card and is repeated every months same amounts but from different name of merchant first charge was made by XX/XX/XXXX for XXXX by XXXX XXXX second charge was made XX/XX/XXXX for XXXX by XXXX third charge was made XX/XX/XXXX for XXXX by XXXX XXXX i was try contact to each merchant according info showing on my statement but no luck to contact and find out why/for what I get charged from my credit card.
Product: Debt collection

Collection agency contacts my phone multiple times daily from different spoofed numbers. Today, an agent called my phone, left a voicemail, then proceeded to call my wife 's phone. On that call, the agent disclosed private information before verifying they were, in fact, speaking to a right party. As a debt collector myself, I know it is a violation of the Fair Debt Collection Practices Act to disclose information to ANY party before first verifying that they are speaking to the right party by confirming one private information ( such as date of birth or last four of social security number ) and/or a second piece of private or one piece of public information ( i.e. address or phone number ). They are then required to inform that it is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also, in the state of NY, they are also required to inform spouses that, although a spouse can discuss their spouses debt, the spouse is not personally liable for said debt. None of these actions were taken on the call to my wife on XX/XX/21. The person asked if they were speaking to my wife by first name only, then proceeded to state that they were looking for me and that they wanted me to call them about a debt to discuss a settlement option before they took legal action. The same company then called my phone minutes later leaving their standard voicemail. The woman then called my parents phone looking for me. Four calls within an hour is definitely harassment according to the FDCPA.
Product: Debt collection

U made a payment and I don't see it on my account or credit history I made a XXXX $ payment on XX/XX/year>
Product: Credit reporting 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  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX and 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 XXXX 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 have contacted Portfolio Recovery several times by certified mail ( with receipts ). This company continues to report negative collections to my credit report which is damaging my credit continuously. Portfolio Recovery tried to sue me in court for the collection of {$2800.00} / {$2800.00}, and failed to show up in court and the case was dismissed by the judge. Also, Portfolio Recovery has since then started reporting the false collection as 1 % paid on my credit report and updating this monthly. I HAVE NEVER PAID THIS COMPANY ANYTHING! This is causing a havoc to my lively hood and I would like this collection to be removed asap. Shame on this company for false reporting.
Product: Debt collection

repeated calls from capital collection management agency about some debt. I don't know the debt or anything, The man calls daily leaving messages. I tried calling back and it goes to his voicemail. I have repeatedly told him to stop calling because I do not owe anyone back debts. 
His number is XXXX He calls and leaves the same message daily
Product: Credit reporting

I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, yet the errors persist and remain unaddressed. Despite my efforts to correct the inaccuracies, no appropriate action has been taken. 

Dispute Issues and Violations : Violation 1 Failure to Provide Adequate Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to provide sufficient documentation or evidence to validate the disputed information, violating the FCRAs requirement for thorough dispute investigation.

Violation 2 Failure to Correct Inaccurate Reporting ( 15 USC 1681e ( b ) ) : The credit bureaus have not ensured that the information on my credit report is accurate, leaving inaccurate entries that continue to negatively impact my credit profile.

Violation 3 Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have failed to remove outdated information from my report, which should have been excluded after the legally required time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about a collection that was placed on my accounts in XX/XX/2023 with XXXX, Trans Union and XXXX. 
I experienced identity theft and reported it to XXXX XXXX services and it was removed. 
Trans Union did not remove it and has not explained how they determine the validity of the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.
Product: Bank account or service

I opted out of overdraft charges for my account, so if it does not have enough money, decline any transaction. Much to my surprise they are telling me that their fee is exempted, so the bank disregarded my request and sent my bank negative by {$5.00} for their bank fee, then they sent the account further negative by {$20.00} because they said the account is negative for 10 days. They could make it very clear and point out that their fees are exempt and if not cleared up in 10 days, that you will be charged 3600 % per anum. I asked for the account to be closed down if this can not be corrected and they told me they can not until my account is negative for 80 more days and accessed {$160.00} more fro a total of {$180.00} in overdreaft fees, then they will chrge it off, close it down and send me to a collection agency. This is deceptive, unconcionable and needs to be corrected immediately. 
If you can not remove the overdraft fee fro charges I opted out of, then plase close down by accounts as of today, XX/XX/2015Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Than You XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report that were compromised in a recent data breach. As a victim of identity theft, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items permanently removed.

Please delete the following accounts from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This item is damaging my credit and affecting my credit worthiness.
Product: Mortgage

My lender is breaching terms and reporting lates when I made all the required payments. Here is a brief summary below ... 

On XX/XX/XXXX I received an alert from my credit report saying my score significantly dropped from a missed mortgage payment. In XXXX of XXXX I made my mortgage payment and shortly after Covid-19 hit the country. Carrington Mortgage offered a forbearance plan for 6 months. I went ahead and accepted the forbearance plan for 6 months. The forbearance started in XXXX of XXXX. In early XXXX I received a letter saying that my forbearance was approaching its 6 month end and I needed to call to find out what options I had. When I spoke with a customer service agent at Carrington in early XXXX of XXXX I was told that I had some options of either a payment plan, mortgage assistance or paying in full. I was told anything after the XXXX of XXXX I would acquire late payments and fees. On XX/XX/XXXX I called and spoke to a customer service agent and we made arrangements of paying everything in full. The payment I made was {$7700.00} and that was to cover from XXXX to XXXX payments. I was told that my mortgage loan was in good standing and my online mortgage access has been restored to make future online payments. From that day I have made XXXX, XXXX & XXXX payments. When I called today I was told that my XX/XX/XXXX was missed and it was 180 days late. I do not understand that when I made a payment in XXXX with a lump sum to get back into good standing how this even occurs. This puts my family in a very bad spot with me being the provider and taking such a hard impact on my credit score. I refinanced my past mortgage loan with Carrington and I have never missed a payment. I needed assistance with the forbearance because of Covid-19 so I used those 6 months to get everything back on track. When my 6 months were up I made good on my payments. All I am asking is that this derogatory mark get removed from my credit report and my score hopefully comes back.
Product: Bank account or service

Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have filed several disputes and I also called the company and they have no record of owing this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTER UNAUTHORIZED, UNAPPROVED, EXCESSIVE HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : XX/XX/2020 XX/XX/2020 2020
Product: Debt collection

I received a call from XXXX at California Business Bureau from a blocked number, she left a voicemail regarding a debt. I listened to it in my break room and many people are now aware of my debt. I was previously contacted by this company months ago. They did not disclosed they were a debt collector until i asked. I informed them I did not have any knowledge of this and had not got a first notice in the mail. She then said she would send one, still have not received anything in the mail. On todays phone call she verified my address she has on file in Oregon is correct. I asked for another copy of everything, she was RUDE and said " Ma'am i already sent it what's the difference '' I am trying to resolve this matter and she made it very difficult and talked over me many times. I feel degraded and harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by ( XXXX ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( XXXX ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I receive a text from Chase asking me if I was trying to XXXX {$2000.00}. I text back no and about 2 minutes later I received a call from Chase Fraud. It came up as Chase 's number and so did the text message. The guy on the other end of the phone stated he was from Chase fraud and there was activity happening in my XXXX account and it has been compromised. He never asked me for personal information. He did state I had to change a few things in my XXXX account so I may secure my account. Now since I am confused because he NEVER asked for personal information so I believe he is from Chase I followed instructions. I updated my XXXX contact and I was told to send myself {$1400.00} to get my money back. I authorized {$1400.00} to be sent TO ME!!!! It was under my name and using my phone number but it went someplace else. I contacted Chase several times and they keep telling me they will not assist because I authorized a transfer. but I authorized it to myself and it did not so to me. So where did it go?? Why is Chase not assisting in fraud no matter how it occurred???
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.