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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

By means of background, I am a nurse and have been working extraordinarily hard during the COVID epidemic, I am also a single mother with XXXX young children and support both my brother who has XXXX XXXX and my mother who is elderly and in a XXXX home. Earlier this year I received a letter from Rocket Mortgage saying there was an issue with my mortgage. I call the mortgage company right away and was advised by a very helpful agent that the Rocket was working with customers during Covid especially those in the front line. I also called my insurance agent who advised me that they didnt see any issue with my coverage. Based upon the assurances from Rocket I assumed that they would be paying the insurance from my escrow as normal. Unfortunately, the legacy insurance policy was not renewed and it appears that Rocket purchased unbelievably expensive insurance that only covered them and that the policy is retroactive. One I became aware of this I called Rocket again and now I am being told that there is nothing they can or will do for me. I have faithfully made my mortgage payments every month but can no longer afford the spike in payments to cover the forced place coverage. I have a new policy on the property which Rocket is aware of. Rockets assurances seem like hollow and empty promises, I candidly feel betrayed after working so tirelessly to serve my community. Please help me.
Product: Payday loan

I 've tried contacting the lender to resolve the issue with no luck. I sent them a certified letter to dispute. They are not willing to work with me and sent me to collections. The balance is incorrect and payments incorrect. I would like this removed from my credit report. They are very hostile and I ca n't speak to people that treat me that way.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash but XXXX XXXX XXXX took cash. The finance is suppose to include insurance but XXXX XXXX XXXX made me purchase insurance seperately.
Product: Debt collection

Monterey Collections for XXXX XXXX, continues to add fraudulent information to my credit report. My husband and I paid the debt we owed jointly. They took it off of his credit report and added it to my credit report. I have proof that the debt has been paid and the information was to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint seeking protection of my personal Credit Scores, my Credit Report, my Privacy, my private financial situation enforced by the applicability of the federal laws to restrict UNFAIR, DECEPTIVE and ABUSIVE acts. 

Copy of a motion was forwarded to me by my Ex-Wife who has a foreclosure Dispute and is the only owner of the house in dispute. 

My Ex-wife notified me that : her Credit Report was compromised thru the foreclosure dispute, and that Her Credit Scores Decreased almost to the minimum. 

I dont want, the same situation to happen to me. 

Bank of America authorized Law Firm to publish in a Local Newspaper an EDICT including my name in a FORECLOUSURE DISPUTE, that : I am NOT A PARTICIPANT, I WAS MARRIED UNDER A MARRIAGE CONTRACT, ACTUALLY I'M DIVORCED, the address submitted to the court doesnt exist, and I didnt authorized the use of my personal information. 

That documents are clear and were revised by the Bank Agents and The Law Firm, prior to publishing my name in relation to a Foreclosure Dispute AND connecting it, TO An incorrect FINANCIAL PRIVATE INFORMATION DISCLOUSURE. 

The Financial Institution BOA thru LAW FIRM acted in detriment of my Human Right, my Intimacy, Private Financial disclosure, while exposed my personal Financial situation INCONSISTENT AND NOT REAL with the information thru the publication of an Edict in a local newspaper with my name included. 
with evidence : that when my name was published thru a local Puerto Rico newspaper, I was exposed to Public " mockery '', defamation etc., in which Privacy Rights were violated and are also, related and included in to the Federal Consumer Financial Laws. 

I'm submitting a complaint seeking the applicability and enforcement of the Federal Laws to Restrict Unfair, Deceptive and Abusive acts. " I'm not related to the Property and the Bank knows '' BECAUSE THAT ACTION AFECTS DIRECTLY MY CREDIT REPOR AND MY CREDIT SCORES.
Product: Credit reporting or other personal consumer reports

Transunion has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close
Product: Credit reporting or other personal consumer reports

I am liable for this debt with XXXX XXXX. I did not have a contract with XXXX. XXXX, XXXX Acct # XXXX they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I got an email last year from XXXX saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got 7 back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called XXXX and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HARD INQUIRY XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX HARD INQUIRY XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I DINT MAKE THIS INQUIRY AND I WILL LIKE TO REMOVED THEM FROM MY REPORTS
Product: Debt collection

On XX/XX/2016 XXXX XXXX XXXX reported I owe {$7000.00} in unpaid rent. I was on a month-to-month lease. I let the landlord know I was moving out and no longer wish to continue to rent there. I removed all of my belongings there were no damages to my unit and I was not notified that there were damages or any remaining balances due. I have asked several times for them to provide documentation with my signature to support their claims yeah nothing has been provided to me. I have disputed this and It still remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX, listed 3 times XXXX XXXX XXXX ( XXXX ) / XXXX ( XXXX ) / XXXX ( XXXX ) / Acct # XXXX XXXX ( XXXX ) XXXX XXXX Acct # XXXX ( XXXX ) / XXXX. XXXX XXXXXXXX Acct # XXXX ( XXXX ) / XXXX XXXX Acct # XXXX ( XXXX ) / XXXX XXXX XXXXXXXX XXXX ( XXXX ) / XXXX XXXX XXXX Acct paid off acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) / XXXX XXXX, I Acct # XXXX ( XXXX ) / XXXX XXXX XXXX  Acct # XXXX ( XXXX ) / XXXX XXXX XXXX Acct # XXXX ( It's been more than 7 years.
Product: Payday loan, title loan, or personal loan

Since XX/XX/XXXX they been pulling from my account after I told them to stop auto payments. And I talk to at least 12 different people and they will say oh we stopped the payments or we escalated your case and we stopped the payments. They even sent me an email saying they stop all ach. Im working with debt relief program and they sent a power of attorney to take over the payments. And I will tell them that to constantly and they will say that they wont pull from my account. But the constantly charged me NsF and now they pulled XXXX from my account. That was my rent money. Im so upset right now.
Product: Mortgage

My Citimortgage loan was paid off in full in 2018. Per CitiMortgage, they preferred to handle the Release of Lien filing and charging the filing fee to the customer, as they deemed the customer inept to do so properly. Thereafter, I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2018 stating that they had forwarded a Release of Lien to my county for filing. Waiting several weeks and not receiving my filed Release of Lien, I contacted my county clerk, who stated they did as they always do and returned the filed document to the sender. I obtained a copy thereof from them. 
I tried to contact CitiMortgage and XXXX for obtaining the original filed Release of Lien several times to no avail. 
My attorney asked that I first try again to obtain the original document before they continue their work on my estate. 
As prior, I will appreciate your assistance with my request in contacting the right person for handling.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was called last week by a executive names XXXX claiming to be returning the fee I paid XXXX back to my account, it has not been sent back
Product: Debt collection

I get repeated calls from this phone number they leave a message but other it just rings and then if i do not answer they will call again the next minute. I get a minimum of 4 phone calls a day and up to 5. f or example on
XX/XX/2019 XXXX called at XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX on XX/XX/19 XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX and it is like this Monday through friday.

Pacific standard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DBA XXXX XXXX XXXX Account XXXX ( 2- Paid Accounts ) DBA XXXX XXXX XXXX Account XXXX I recently reviewed my report, and I have endeavored to settle this matter with you. 

Both of these accounts are on my report as collections ... these are a grave errors and is against F.C.R.A. law, and litigation will follow if it isn't corrected ... there are no contracts for these accounts, I settled these accounts with the original creditors, so collection agencies have no valid claim, and can not validate these false and erroneous debt claims, because they were settled a long time ago ... I have contacted the original creditors and collection agencies, and was informed that they did not verify these accounts, and that you should remove them ...
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received XXXX bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to XXXX XXXX to the way the credit bureaus ( Experian and XXXX ) handled the whole thing. This issue dropped my score from over 800 to mid 700s and now I have a derogatory mark on my report for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. I sent a second letter to TransUnion on XX/XX/2019 via certified mail USPS. Received on XX/XX/2019 at XXXX XXXX. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX and XXXX has removed this unverified account, ( see attachment for proof ) Third party verification is not Verification under the FCRA You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demanded the following account be verified or deleted immediately. 



Account in question ; US BK COURT XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSISTENT COMMUNICATION WITH THE ORIGINAL CREDITOR, XXXX XXXX. XXXX XXXX  HAS AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, EXPERIAN HAS YET TO REMOVE THIS ACCOUNT. XXXX XXXX AND XXXX HAVE BOTH REMOVED THIS ACCOUNT BUT EXPERIAN HAS NOT. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY.
Product: Debt collection

On XX/XX/2018 ( XXXX  ) XX/XX/2018 ( XXXX ) and XX/XX/2018 ( XXXX ) I sent an electronic disputes for Ability Recovery Services stating that I owe them {$1000.00}. I received my credit reports back from all three credit bureaus stating it is " verified ''. I have sent two letters to Ability Recovery Services asking them to validate the debt that they are claiming on my credit report. I haven't received any written correspondence from them since I sent my letter ( s ) to them. The first letter was sent on XX/XX/2018 and the next one was sent on XX/XX/2018. No letters were sent to my home stating the debt is even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, XXXX and experian } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you
Product: Debt collection

I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavits Attached XXXX XX/XX/XXXX-XX/XX/XXXX v. XXXX  XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and XXXX, and Equifax in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX : XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX  report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Product: Mortgage

XX/XX/XXXX - Shellpoint mortgage was paid off due to a refinance. 
In XX/XX/XXXX, I decided to sell the subject property and received title. On title it still showed a lien with Shellpoint. I contacted them immediately and asked for a release of lien. I have e-mailed with XXXX XXXX several times and Shellpoint is refusing to send me the release of lien and is refusing to send it to the XXXX XXXX XXXX. My closing is scheduled for XX/XX/XXXX and the negligence by Shellpoint is going to end up costing me the sale of my house.