23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is in reference to a foreclosure sale that has been recorded for the above-listed residence. This is fraudulent and wrongful and needs to be rescinded ASAP. 
We want to keep our home but you have refused to work with us to make this possible. It appears that Select Portfolio Servicing ( SPS ) is bent on selling our home because the value is now $ XXXX. 
If you really want to work with us you would give us a modification so that we can continue with the regular monthly payment of {$2400.00}.

A repayment plan over a 36-month period will be acceptable. 
You can also defer {$580000.00} of the mortgage and use the current deferred - {$250000.00} as the current amount to make the mortgage affordable. 
We want to keep our home. Your listing our home on XXXX, XXXX and all the real estate flyers has led to unsavory people coming to my home an knocking on the door day and night exposing my children to harm. They can not even play outside for fear of unwanted strangers coming randomly onto our property because you have listed our home for sale. 
This is not safe and unfair. 
REMOVE THE FORECLOSURE THAT YOU HAVE PLACED ON OUR PROPERTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$600.00} XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XX/XX/2023 XXXX am reporting a fraudulent inquiry found in my credit report
Product: Mortgage

My wife and I had to short sell our home in XXXX 2010 due to financial reasons. I had XXXX mortgages on the home and Citi Financial was a XXXX Lien as a HELOC. Upon closing, they provided me with a settlement letter that they would report to my credit report as a {$0.00} balance with a {$0.00} monthly payment. It 's been over 5 years and they 're still reporting both a balance and a monthly payment. I have been calling their credit dispute department for several months to no avail. I have documented evidence that I 've sent the requested information several times and they have not complied. The requested documentation was ; a full copy of my tri-merge credit report showing the Citi Financial loan with the balance and monthly payment, a copy of the satisfaction letter and a copy of the completed and executed HUD from the closing on the home showing CitiFinancial being paid. This information has been faxed to them on several different occasions. I confirmed this afternoon that it was received by their Credit Dispute Department and their Recovery Department and they have done nothing to help me. My wife and I are now back on our feet and have not missed a mortgage payment in over 5 years. We 're trying to qualify for a new home and this item is preventing me from doing so. I have had countless conversations and have lost count of how many hours I 've spent trying to get this resolved and every time I call they tell me that it 's not the correct department and have me send the same information over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and experian immediately they do not even list account numbers on my fico reports!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was horrified to see inaccurate accounts listed, and I have no clue how this happened. I check my credit report regularly, but these errors appeared out of nowhere. Refreshing my browser didnt fix the issueit wasnt a glitch, and the inaccurate accounts remained. Im urging a detailed review of the documents Ive submitted to ensure I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX, 2024 Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX Dear Customer Service XXXX, This letter serves as a formal dispute regarding the closed accounts associated with Capital One 360 reported to XXXX XXXX XXXX XXXX XXXX. As a consumer, I am protected under 15 U.S.C. 1681, which guarantees accurate reporting and prohibits unauthorized sharing of my personal financial data. Disclosing my information without my explicit consent violates FCRA Section 604 ( a ) ( 2 ) and my privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more Trans Union, and XXXX, XXXX is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure XXXX, Trans union, and XXXX remove the XXXX accounts immediately from my consumer report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Collection Account and Request for Deletion from Credit Report DEAR CEO AND EXECUTIVE OFFICE I am writing to formally dispute the collection account that has been reported on my credit report by SUNRISE CREDIT SERVICES INC. I request that you delete this account from my credit report as it has been reported in violation of several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations.

Firstly, I would like to bring your attention to the violation of 15 USC 1692, which outlines the guidelines for debt collectors and prohibits unfair practices. It has come to my attention that XXXX XXXX has engaged in practices that are considered deceptive, abusive, and unfair. This includes but is not limited to : 1. Using false, deceptive, or misleading representations or means to collect a debt.

2. Failing to provide me with the required validation of the debt and the name and address of the original creditor.

3. Communicating or threatening to communicate false credit information to any credit reporting agency.

Furthermore, I believe that they also violated 15 USC 1602 and 15 USC 1641, which pertain to the Truth in Lending Act and the transfer of ownership of debts. According to these provisions, creditors and debt collectors are required to provide clear and accurate information regarding the terms of the debt and any subsequent transfers of ownership. In this case, SUNRISE CREDIT SERVICE INC has failed to provide me with the necessary documentation to prove their ownership of the debt and the accuracy of the amount claimed.

Additionally, I would like to highlight the violation of FDCRA Section 624. This section specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. It has come to my attention that [ XXXX XXXX AND SUNRISE CREDIT SERVICE ] has reported inaccurate and incomplete information regarding this collection account, which has negatively impacted my creditworthiness. 

In light of the aforementioned violations, I demand that XXXX XXXX immediately delete this collection account from my credit report. Failure to comply with this request XXXX result in legal action being taken against XXXXXXXX XXXX AND SUNRISE CREDIT SERVICE INC for violations of the FDCPA and other applicable laws. 

I have enclosed copies of any supporting documentation that substantiates my dispute and supports my request for deletion. I kindly request that you conduct a thorough investigation into this matter and provide me with written confirmation of the deletion of this collection account from my credit report. 

Please consider this letter as a formal notice of dispute under the provisions of the Fair Debt Collection Practices Act. I expect your prompt attention to this matter and a timely resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent the following email to LCI. I have yet to receive a response. 

Greetings. 

I am sending this email in regards to information I obtained from XXXX about a bankruptcy, in my name, being reported to them from your company. I called LCI on XX/XX/XXXX and the XXXX to speak with an agent directly but I was only able to get the answering service due to the call volume. 
I have questions regarding the bankruptcy being housed and reported to XXXX by XXXX. 

XXXX. Is LCI a creditor or a CRA ( Credit reporting agency )? 
XXXX. Have I, XXXX XXXX XXXX, applied for any credit with LCI? 
XXXX. Have I, XXXX XXXX XXXX, applied for employment with LCI? 
XXXX. Has LCI extended any credit or employment opportunities to me, XXXX XXXX XXXX? 
XXXX. From whom is LCI obtaining this bankruptcy information? 

I request a clear precise answer to each of the above questions. DO NOT respond with " your company will perform a 30 day investigation ''. This is NOT a dispute. This is a DEMAND FOR IMMEDIATE REMOVAL of the bankruptcy being housed and reported to XXXX. 
DO NOT respond with " Bankruptcies are public records ''. Unless LCI is a current creditor, lender or employer, then LCI doesn't have adequate reason for obtaining any bankruptcy information. This is a clear violation of my Fourth Amendment. " Right to be secure in their persons, houses, papers and effects ''. 
As it stands, LCI obtains and reports bankruptcy information for company profit. 

I approve of contact via email or phone. My phone number is XXXX email : XXXX I am only approving contact to obtain the necessary information to remove the bankruptcy from your records. 

Respectfully, XXXX XXXX XXXX LCI are clear violators of my Constitutional rights. They are also violators of the FCRA. They did not and do not have permissible purpose to obtain this information. They are not creditors nor lenders.
Product: Debt collection

harassing me at work and my co-workers even after we told him not to call here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : act # XXXX, XXXX : act # XXXXXXXX XXXX XXXX  : act # XXXX, XXXX XXXX  : act # XXXX XXXX XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX  : act # XXXX, XXXX XXXX XXXX  : XXXX # XXXX, XXXX Self-Reported : act # XXXX, XXXX, and XXXXXXXX XXXX  : act # 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 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Student loan

Everyone they agree to temporarily stop my payments I never receive the paperwork promised and they continue to hurt my credit. I 've requested the paperwork on  4 d ifferent occassions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

I purchased a condo in XXXX County, Ohio XXXX in XX/XX/XXXX. Since that point, my Mortgage lender, Huntington National bank has not paid any of my county taxes due in XX/XX/XXXX or XX/XX/XXXX, and my mortgage states that Huntington is responsible for that. Huntington has,  However payed over {$13000.00} out of my Escrow, ( making it over {$10000.00} net negative ) to 4 parcels that I am not, and have never been associated with. On XX/XX/XXXX, I saw my mortgage statement increased from my regular {$400.00} to {$2600.00}. I contacted Huntington mortgage department on XX/XX/XXXX, spoke with XXXX, who discovered that those 4 parcels being paid from my escrow did not match my name or address. She also noted that my parcel was not listed. She told me to call back on XX/XX/XXXX for resolution. I have since spoken with multiple other people from Huntingtons tax department, including Supervisor ( name available ). They are continuing to do research but still do not have a resolution. At this point, {$2600.00} is scheduled to come out of my checking account towards my mortgage, due to Huntingtons error. And my county taxes are still delinquent, but huntington has verbally told me they will cover all penalties and fees associated.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging system issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where XXXX has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts as experience in action, violate the federal law and my rights as a consumer
Product: Credit card

Was charged by CapitalOne posted on XX/XX/year> for XXXX minor charges I did not authorize. 
I HAVE NOT USED THAT CARD FOR PROB A GOOD YEAR PRIOR! Called on XX/XX/year> adviseing it was not my charge. The fraud people said they would investigate, and then sent me XXXX letters. XXXX said the investigation was resolved, the other letter said I was responsible for the charges. They cancelled that card and issued me a new one, which I DID NOT ACTIVATE! They transferred a small balance and fees on to the new card. 
They gave me a code # XXXX on XX/XX/year>. 

I did receive XXXX packages some time ago. The first small package had nothing in it. The second had an odd t-shirt that I never ordered. I still have both those packages. I would NEVER order anything from XXXX!
Product: Debt collection

Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses in my profile that are incorrect. I never lived in the state.
Product: Credit reporting or other personal consumer reports

I noticed several accounts and inquiries from PNC bank for new debit cards and credit cards. I have not made applied for credit or opened those accounts. I called PNC directly to inquire about what was going on, and they had told me I would have to call the credit bureaus to sort it out. I did that, put a freeze on any new accounts, but that still doesn't solve the problem of these accounts that are open under my name fraudulently. I wanted to close these accounts immediately and remove any access that someone had potentially to accessing credit, but they told me that was all I could do.
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by Contnental Finance Company, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : XXXX Consumer Relations File, charged off amount is {$620.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Debt collection

I have contacted professional collection service as well as the credit bureaus about the validity of this debt. I received a one page lease agreement that clearly shows at the bottom right 8 pages should be attached. I show only 2 payments were ever made so I dont even see a complete billing statement, proof of deposits or anything else. I asked for this information repeatedly as well as if this debt was verified by someone that has the credentials to do so and have not received a response. This is a violation to report inaccurate, unsupported, and unproven information and I would like it removed. I will attached copies of what I was sent and it was not a full lease or a full payment ledger.
Product: Mortgage

So I wanted to make my mortgage payment online with XXXX   XXXX XXXX - I could not. The option was no longer available. Upon calling they told me my servicer has changed to Specialized Loan Servicing LLC. Never heard from them before. Never got the monthly bill. Never got a welcome letter from them. I could not open an online account, because it would not accept my social security number or loan number - the field went blank as soon as I hit submit. Their website does not seem to be functioning properly ( sls.net ). On the login site it tells you, you can call them for {$12.00} and that you can pay online, but a fee might apply. I called them and they graciously allowed me to pay on the phone - but only this one time. I am now supposed to jump through hoops to make my monthly mortgage payments?
Product: Mortgage

We have been trying to get Bank of America for almost 4 years to adjust our mortgage. The purchased it from County Wide. Instead because we have never been behind they have now raised our mortgage rate and added taxes and want to place our Flood Insurance. We have paid our taxes and we have paid our taxes and homeowners. When asked for help they have made it worse by increasing our loan and equity payment. We will get to a point that we will have trouble. We discovered that in 11 years we have paid our own flood and have paid taxes and homeowners insurance. We are XXXX and this is our only home. They sent this information to us because we refused to sign a paper saying that we would not sue Bank of America or Countrywide. In our Country Wide loan and Bank of America paid our own taxes and Insurance. They never requested that before. We have paid our Flood and we have paid our taxes. Over all of these years only {$300.00} has been put on our Equity. We are XXXX and will get to a point that we will have trouble. This is our only home. We know that a Class Action suit was won against Bank of America and Countrywide. We were not aware of it at the time. Rather that help, they are trying to make it worse.