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

On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX  XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
Product: Debt collection

Unauthorized accounts appear on my credit report. Kindly ensure they are blocked and removed promptly.
Product: Debt collection

This is a private XXXX 's Loan from SC XXXX XXXXs Student loan,   obtained when all funds were exhausted in XXXX while I was in College studying to become a XXXX. I moved out of SC and had been paying on the loan until losing employment. The loan was placed into either forbearance or Deferment sometime ago but when this expired, I called the private XXXX 's student loan, to request some assistance with making payments. 
Was told that there were no options, as this was not a normal/Federal Student loan. They would not even accept or approve my request for a Hardship consideration, and told me in XXXX, my loan was sold to a collection agency, and not to send any payments to them. 
XXXXWas just contacted yesterday via letter by SC private student loan , threatening to garnish any wages that I have or seize any taxes that our family receives.
Product: Mortgage

I have a mortgage account with Chase. I opened this mortgage account on XXXX 2005 right when the economical crisis happened. During all these years, I had tried multiple times to apply for a long modification without success. In several occasions my husband and myself were unemployed documentation was provided but the loan modification never was approved nor solved. Recently I have been diagnosed with XXXX XXXX and again another hardship in my life. 
I had never been late nor in default because of fear to loose the only shelter I have. So far I had disbursed to Chase more than the property is worth during all these ten years of the existence of the mortgage loan. 
I am trying to get into an agreement with Chase and to cancel the loan since I had paid more than the property is worth. 
Chase has ignored my concerns and request. 
I found out that Chase paid on my behalf for property taxes that were never late nor deliquent just because I applied for a modification. I do n't have a written document for escrow account however Chase had opened an escrow without my authorization. While reviewing the loan as a whole I noticed that chase was charging me fees that never incurred. 
I need to address this concern and I want justice for the misrepresentation of Chase, forge documents and false statements. 
I am a consumer who had provided enough money to chase who does n't deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meade Recovery keeps reporting to my credit. There are two accounts they keep reporting. They were included in my bankruptcy. I have put hours of work into this. It gets removed and put right back on. They provided me a letter that there are no accounts with them whatsoever at this time. Please help me. This has cost me a great deal of problems and money when trying to build my credit. I qualify for loan and then they decide no. I have terrible credit cards because of this issue. Also XXXX XXXX XXXX  keeps showing the incorrect balance. It has never been over the limit. Thank you.
Product: Mortgage

In XX/XX/XXXX, I bought home in XXXX, Georgia using the VA loan for {$340000.00}, meaning my VA entitlement used was {$87000.00}. I foreclosed on the home in XX/XX/XXXX. I did not receive a notice of foreclosure or they did not contact me at about when the home is going into foreclosure. After foreclosure, my existing balance was {$340000.00} and the home was sold at auction for {$290000.00}. The outstanding balance was {$51000.00}. Mr. Cooper keep all of the {$87000.00} of my VA entitlement instead of just subtracting what they were owed. I asked Mr. Cooper to give me detailed report of all charges that were made but they gave documents that are not detailed at all. I have tried to contact Mr. Cooper on several occasions about this issue but there has been no resolution. This has caused tremendous stress and pain me and my family. I have fought for this country for this benefit and this lender can just take it away. That is unacceptable and flat out wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX-19, XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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

XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
Product: Credit reporting or other personal consumer reports

On my equifax credit report, there is a collection from XXXX XXXX XXXX stating that they're the original creditor and the debt is XXXX XXXX XXXX. A debt collection company is not an original creditor, and I have no balance that is XXXX XXXX XXXX. I don't know what this is. I have disputed it with equifax, and equifax does nothing.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of CKS Prime Investments for what they are stating is a XXXX XXXX XXXX account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Debt collection

Company attempted to collect debt never received a detailed bill, purchase agreement, dates regarding dispute. Only made aware after credit score took a hit company never made an attempt for me to validate and dispute this account since I have no bill or obligations to sunrise and account name is similar to my self credit card so I was unaware this was an collection from a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

noticed a hard inquiry on my XXXX  report
Product: Credit reporting or other personal consumer reports

Due to recent discovery from recent credit pulling for legitimate reasoning I have discovered a report of my credit line stating I owe a large amount which is currently incorrect please take all measures and approaches to fix this and please note if this happens notify the person by via email or letter to let the person know you will take these steps as a professional curtesy and respect thanks if not I'm obligated to defend myself under the federal credit reporting act respectively
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00}
Product: Mortgage

I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. 
On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. 
Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. 
Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.
Product: Mortgage

XXXX of 2022 Homepoint did not pay my property taxes on one lot, when I brought it to their attention they said they would pay it. Then processed to change payment of my mortgage and raise my property taxes numbers to inaccurate amounts. They said they sent a check to county tax and county never received it. They deducted to from my escrow account and never paid county nor reimbursed me. Late fees were piling up. I ended up paying it out of pocket to avoid foreclosure and more fees XX/XX/2022. XXXX Ive contacted them on 6 different occasions about all of the mistakes theyve made. Have had no resolution. They tell me something different every time I call. 
Currently they are taking way too much for escrow. Ive calculated their error to about XXXX. A year. When my property taxes and insurance come to a total of XXXX. A year. All have been verified current with county. I cant afford to keep taking these hits. Im a widow on social security and I feel like they are taking advantage of me.
Product: Debt collection

i reached out to XXXX  for clarification of documentation needed to be given to me to see what and why this debt is owed to lvnv funding, I asked on XX/XX/2023 to be provided with PROOF OF OWNERSHIP, I DEMAND PROOF THAT I OWE THE DEBT TO LVNV Funding? contract, a terms and condition agreement. I have not received anything at all. this, I am still waiting for the actual bill of sale and the purchase agreement where it states what and how much was the actual purchase for from whom to whom and to LVNV funding. All bill of sales from all parties involved..
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor Vehicle Solutions HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXXXXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX  please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You
Product: Debt collection

I went to court today XX/XX/year> The collection agency bought this debt from another collection agency They have very limited information without a signed contract They say with one statement that I OWE A huge amount of money They tried to make me abide by a payment plan the judge asked more than once when i told her its not my debt I had no attorney to represent me They have no basis in fact I told them i was going to file a complaint I need help This morning XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX  and Equifax, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

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

CarMax reporting and my credit report this ( ( ( ( ( Charged off ) ) ) ) they taken tax brake write off as income I requesting copy of that 1099c form the I never Receive they write off for it as income they toke tax brake under the FCRA I can seek statutory damage Also to report to IRS Please remove the following item from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Sent XXXX to XXXX  thru Chase Bank in various amounts from XXXX to XXXX of borrowed money bought XXXX And sent to a site to make foreign currency exchange the site was XXXX pro-live it turned out to be a fake site set up by the XXXX I have pictures, receipts a lot of information I did file a police report that went nowhere The time frame was XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Debt collection

Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota
Product: Credit reporting or other personal consumer reports

RE : Report # XXXX Late payments reporting on my Experian consumer credit report To whom it may concern, I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. I recently received an updated copy of my Experian consumer credit report. I noticed some late payments posted on my consumer credit report related to the following accounts : ACCOUNTS ACCOUNT XXXX XXXX XXXX XXXX Reporting violations XXXX day lates in XXXX of XXXX ; XXXX day late in XXXX of XXXX ; XXXX day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting violations 30- day late in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Reporting violations 30- day lates in XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reporting violations 30-90- day lates in XXXX XXXX XXXXXXXX Experian is in clear violation of the law XXXX Under 15 USC 1681b Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any credit reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer credit report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced accounts and a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a XXXX  weekend when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, Today is XX/XX/XXXX and I still have not received anything. The Deficiency and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the two and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX auction lot to receive my car. XXXX XXXX XXXX, silver, last XXXX of Vin # XXXX. I was only offered XXXX solution by the charge off department, and that was to do a sales hold of XXXX, XXXX dollars, a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the max past due reported was 90 days. If they do not report correctly, how I am to trust this? The XXXX XXXX company doesn't state this, and I spoke with XXXX XXXX, Agency Compliance specialist at XXXX on a recorded line on XX/XX/XXXX at XXXX am, she stated the account was charged off at XXXX XXXX  on XX/XX/XXXX due to being XXXX  days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.