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

To Whom it May Concern, My previous landlord XXXX at the XXXX in XXXX XXXX processed an eviction against me and upon me getting an attorney we settled on an agreement : the agreement stated that if I moved out of the unit by a certain date they would absolve me of all debts and dismiss the case. My attorney could file a motion to vacate the judgment. I relocated before the move-out date and the case was dismissed, masked, and vacated. Now the XXXX has pursued my credit through a company named IQ International Collections.

IQ International has responded by issuing me a letter, removed themselves from XXXX and returned the deducted points to the XXXX credit bureau but not XXXX or XXXX. Please ask them to remove themselves from my other two credit bureaus ( XXXX and XXXX ) and return my points.
Product: Debt collection

Bank of America keeps calling saying I have an account with them which I do n't. They asked for an account number,
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint about the negligence of the Transunion Credit Bureau and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the charge off account XXXX XXXX XXXX XXXX Balance Owed : {$810.00}, resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I have enclosed copies of my supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and removed the inaccurate on my credit report as required by the Fair Credit Reporting Act. This charge off account should be removed : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}.
Product: Vehicle loan or lease

I am out of a job due to the pandemic that the whole United States us under I explain this to Bridgecrest. I am on unemployment and I am one car payment at this time. Bridgecrest has sent me a default letter for this one month. I was always under the impression that you had to be three months before you default on a loan. I paid Bridgecrest {$980.00} on XX/XX/2020. I am trying my best to make ends meet but this company has no consideration for what people like me is going through. I am going through something that is no fault of my own. Before this pandemic happen I was paying my car payment and on time. Bridgecrest has report to the credit bureau that I was thirty days late which took my credit score down very low. This company is trying to destroy me and I am already experiencing enough without them making things worse. They need to be more considerate because I am doing the best that I can. They also sent me a letter pretending it was certified I didnt sign for this letter but the envelope says certified. I feel like they are harassing me and stressing me out.
Product: Payday loan, title loan, personal loan, or advance loan

I accepted an offer from TotalLoan on XX/XX/2023 for {$20000.00} giving my personal information as requested on the application and was denied and extension of my credit. My rights were violated ECOA/Regulation B with resulted in injury. This reduce my confidence to apply for more credit.
Product: Prepaid card

I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$160.00}. 

I tried using the card a few days later ( last week ) and it would not work ( received an error stating that the information was incorrect ). I checked in the back of the card and accessed the website to see the card balance - the site said there was an issue with my card, to check again later. The following day I tried to check the website again and got the same message. At that point, I decided to call the phone number in the back of the card. The customer service representative said that the balance was {$0.00}. I questioned how could this be if I hadn't used the card and he answered " how would he know? '' He then proceeded to tell me that if I wanted to submit a claim he needed my date of birth, social security number, full name, mailing address, email address, and copy of the front and back of my driver 's license. I immediately hung up as this felt like a scam. 

Today, I went back to this issue. Looked at the website - same error, called the number on the back of the card - same story. This time was a different representative but he said the same thing- he needed all this personal information to file the claim. I proceeded to ask why so much personal information was needed to file a claim and asked him to provide me with the written documentation stating the claim processing guidelines from their company. He said they did not have that in writing. I then asked to speak to a supervisor and he said that there were 15 people ahead of me and a 4-hour wait time. 

I have tried calling the phone number for XXXX, but the automated line says that " they do not have information regarding this card '' and indicating I need to call the number in the back of the card.
Product: Debt collection

Identity scammed in XX/XX/2017. Notified XXXX and the others, filed police report and complained to the bank US Bank.Cleared the overdraft charges with XXXX XXXX XXXX XXXX and paid out of pocket. Nothing was done to satisfy the other damages to discredit my name. 
A title Loan was satisfied by taking my auto ; but, my credit was not cleared. Other evictions on my credit were appealed with little success ; however, the incident is over 12yrs old and should have been cleared.
Product: Credit card

On XX/XX/year> I noticed XXXX withdrawals for {$3500.00} each. I noticed these transactions and immediately contacted chase to report fraud. After a week with no help through phone, I decided to go into my local chase bank. I spoke with XXXX XXXX and he helped me file a forged item declaration on XX/XX/year>. I filled out all documents and was told XXXX would send them in and I should hear something in roughly a week. XXXX weeks later Im still missing my money and chase wont help me over the phone. Patiently I have been waiting praying to see my funds back in my account. This weekend I will go in person again to try and figure this situation out with chase. I really need you guys to help me with this situation. To help me get my money back and to help speed the process up please. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate   Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX
Product: Debt collection

I spoke with Capital one on the phone. and through email. I acknowledge that they assume that I owe them upwards of {$700.00}. I denied ownership of the debt. but I acknowledge that they contacted me. and yet they still contact me every day. Via email. this is excessive and aggressive.i have reported them and I am reporting them again.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS is trying to collect {$1600.00} from me from a XXXX XXXX bill I never owed.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an XXXX XXXX. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the Equifax credit report as well, and I filed a dispute with Equifax. On XX/XX/2023, Equifax said that the account was valid. On XX/XX/2023, I called XXXX XXXX and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the Equifax report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the Equifax report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the Equifax report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.
Product: Mortgage

PNC took over our mortgage after the XXXX payment was made to the prior company. We were told that our autopay would take a few extra days during the transition, but we did not have to do anything for the XXXX payment. After it was not taken out, we called and they suggested that we send them a check. We sent the check the they said autopay was already set up so they were going to put a note on the account to let the autopay take the money for XXXX and they would pause it for the XXXX and use the check for XXXX. The check was cashed for XXXX. We called and then they said we were on track for autopay for XXXX. XXXX XXXX rolls around and they started to call because our payment was late. We called and explained the situation and they said that we were not setup and we had to go in and set up an account. We made the XXXX payment over the phone. At the beginning of XXXX, the autopay kicked in and took out the mortgage at the beginning of the month, then again the next day. We have spent 4-5 hours on the phone with them and each time have been told something different only to have them pull the mortgage twice. Since it is the weekend we have not had a chance to get in touch with them, however I feel we have gone above and beyond to help them get this figured out to no avail.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  BALANCE {$1200.00} This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( XXXX ), I HAVE ATTACHED THE LETTER PROVIDED BY XXXX TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU
Product: Mortgage

I would like the CFPB to recognize my right to rescind the mortgage transaction with Caliber Home Loans , Inc. due to their failure to provide full material disclosure as required by Truth in Lending, Regulation Z under the Consumer Credit Protection Act. Under 15 USC 1635, an obligor has the right to rescind a mortgage transaction within three business days of the transaction or until the required disclosures have been provided, whichever comes later. If the creditor fails to provide the required disclosures or notice of the right to rescind, this right of rescission is extended up to years in my case. I exercised my right to rescind within the three-year period due to Caliber Home Loans , Inc. failure to provide full material disclosure at closing. I sent three notices of rescission to Caliber Home Loans , Inc. via certified mail, and they failed to respond or file a judgment disputing my right to rescind within 20 days, as required by 15 USC 1635. This failure to respond within the 20-day period means that the rescission is final, and the security interest created by the transaction is void. I have an open lawsuit currently on Caliber Home Loans, INC. at the United States Federal District Court of Delaware, Case Number : XXXX. They have recently foreclosed on my mortgage during an ongoing case.
Product: Mortgage

LoanCare XXXX was my mortgage servicer. Both my wife and I were laid off in XXXX and XX/XX/2023. We asked Loancare for Forbearance. After a battle with the front line team the department manager XXXX XXXX agreed and suppressed the credit reporting. The agreement was that at the end of the 3 months the interest and principle payments the were part of forbearance would be deferred to the end of the loan and escrow would be added to my payments spread over 4 years. 

Toward the end of that period I received notice that my loan was going to be transferred to XXXX XXXX. I communicated with XXXX XXXX and he assured me that the deferment would be completed before the loan was transferred so that my account would be current and not on forbearance with XXXX. They lied. 

Now XXXX shows me as XXXX+ months overdue! This risks my credit and financial stability. All of this happened over the course of dozens of emails, phone calls and messages to LoanCare executives through XXXX. 

These are deceptive trade practices and flagrant falsifications of information and failures to perform the basic tasks promised and agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any inaccurate information and account in my credit record that came about due to an alleged fraud or extortion. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX 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

Ford Motor Credit you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you Ford Motor Credit are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Checking or savings account

Ive been trying to sign up for Venmo for the last 4 days and because Im in the process of a identification war against scammers in my neighborhood so I have completely nothing Im XXXX  due to this issue so Ive had to ask my family in a another state to put together something to help me and I cant even receive it because these people are saying my cell phone number is tied to a account and Ive never ever had a Venmo account ever in my name or on my phone number I have had my phone number for a little over 3 years
Product: Mortgage

Foreclosed on my property while going through trying to get a repayment plan or some kind of help to prevent foreclosure. And they prolonged my paperwork. I have asked to reinstate my loan and they tells me its nothing they can do and I know it is I have called numerous of times begging for them to get it straight I feel like the escalation team did not do a complete review in my account cause if they did they could see I have been dealing with this since XXXX of 2017. I felt like I was being prolong on writing hardships explaining why Im having large sump of being debiting into my account where they can clearly seeing coming from my work place they have the bank statement and my paycheck stub with the same amounts I have worked day in day out to get this account straight. Shellpoint mortgage service had me writing so many hardship letters on stuff that they had from the judge about child support just crazy stuff. They knew exactly what they was doing and as for XXXX XXXX whose suppose to be my case worker didnt know anything he couldnt even tell me what was a I unapplied balance was. Thank to XXXX XXXX she explained it to me and couldnt believe what Shellpoint has done and clearly they seen I was trying to avoid this situation.