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

To Whom It May Concern : The creditor XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested inXX/XX/XXXX. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all XXXX credit bureaus.XX/XX/XXXX, failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting closed loans as open and owing money
Product: Credit reporting or other personal consumer reports

XXXX XXXX is coming back as verify and I have disputed this 3 Times. I don't know who these people are but its coming bk as verified. They have the same exact closing date but different balances. I need help i have been trying for months on my credit its saying i have XXXX in mortgage and i only have XXXX in mortgage.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

You completed an investigation on the account listed here XXXX XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2003. You stated it was verified. Please provide the method of your investigation and the source.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XX/XX/XXXXXXXX XXXX CA XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$12000.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report I did not authorize.
Product: Consumer Loan

I have a title loan on my XXXX Chevrolet Equinox through Titlemax located at XXXX XXXX XXXX XXXX, VA XXXX, phone XXXX. The state of Virginia requires a 10 day written notice to be sent before repossession of the car. That was not done and the car was repossessed XX/XX/2016.The repossession agents told me they were going to charge me with a felony if I did n't give them the car. They did or acted like they were calling the police and told my wife I was going to jail. I called Titlemax and I told the person answering the phone I would come in and pay today. The repossession men called Titlemax and they said no but to tow the car in. When I was trying to call the District Manager they pulled up to attached the car to the wrecker. He said I would be responsible for repossession costs. According to 6.2217 of the Code of Virginia, I am not responsible for these costs without a 10-day notice. Also, I was willing and offered to pay today to avoid this repossession. I was denied my rights under Virginia state law.Also, I was threatened with the police and to be charged with a felony and I know that type of intimidation is not allowed according to the Fair Debt Collections Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX, XXXX XXXX, XXXX, and Lexis Nexis to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to LEXISNEXIS  or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.
Product: Debt collection

I have been trying to resolve a payoff balance and speaking to employee XXXX ( last name refused ) at XXXX. Last communication XXXX/XXXX/19, XXXX with no response. On Wed XX/XX//19 he and I agreed on a payoff balance of {$5300.00} and he would send a written agreement to confirm. After not re ceiving the agreement I called back and spoke to XXXX ( last name refused ) on XXXX/XXXX/19 XXXX XXXX in Customer Service Dept. she informed me XXXX misinformed me because an additional fee to payoff my balance would be {$2500.00} in addition to the {$5300.00} I have pending payments of {$500.00} + {$2100.00} which will add to my current payment {$2600.00} = {$5300.00}, I was suggestive to personal insults by XXXX
Product: Credit reporting or other personal consumer reports

I want this inquiry to be deleted from my credit report. I did not authorize Barclay Bank to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinance in XXXX with XXXX XXXX XXXX XXXX and was told I didn't need to make a Payment till XXXX and than they reported me late for XXXX and XX/XX/XXXX I started my journey with XXXX XXXX in XX/XX/XXXX finished paying the down payment in XX/XX/XXXX. In XXXX I called to make my payment and was told that if I paid the refinance application processing fee and any back overage fees they could move my payments to the end and I wouldn't have to make a payment till XXXX. I did this and the next day my credit report popped with 30 day late payment for XXXX and then in XXXX it popped a 60 day. I called XXXX XXXX  and was told I wasn't late and that the supervisor would send me a letter stating this. If I had known I would have been hit with late payments I would have insisted on making a payment as well. It's now XXXX I've called atleast 3 times between XXXX and now and was told the same thing. In XX/XX/XXXX I disputed the late payments but it came back as verified. I received the file below stating the account was in good standing.
Product: Debt or credit management

On XXXX I called a number that was supposed to to be for XXXX XXXX XXXX, to take care of a collection. The number on XXXX that said call lvnv now is the one I called. After talking with the gentleman for 20 minutes then he asked to charge my card for {$370.00}. I said wait a minute, thats not what Im calling about. Im trying to reach XXXX  and take care of a collection for {$580.00}. He said, they are Credit Sage. A credit rebuilding company and he had already put in disputes for collections on my credit and they are charging me a one time fee of {$370.00}. I should get an email in 24 hours with a letter for my lender, as I am trying to buy a house. After speaking to my lender and credit specialist, I was made aware what a scam they are and how their actions were illegal. I was urged by my specialist to make a complaint to you after canceling with the company and trying to receive a refund. I was able to cancel any further payments but as for my refund, they will not return my call for this action. I have a dispute claim open with my XXXX XXXX  in hopes of getting my money back. Please keep them from being able to continuously do these malicious acts. I was simply trying to pay a collection and now my money for that has went to some who scammed me.
Product: Mortgage

Beginning XX/XX/XXXX, I entered into a re-payment plan with my mortgage company, Carrington Mortgage. I was having some trouble making the full payment amount. I contacted Carrington MS right away  and explain to them that I needed some extra time to come up with XX/XX/XXXX payment. After speaking to them i was put on a re-payment plan. The repayment plan allowed me to divide XX/XX/XXXX payment out over the next 3 months payments. Instead of paying the regular payment for XX/XX/XXXX I paid that as well as a additional {$570.00}. As the next month approached, I realized that I could not make the regular payment of {$1400.00} as well as the additional {$570.00}. I called CMS back and discussed what my options were, I knew I could not afford to pay that- though I dearly wanted to just put this all behind me. After speaking to CMS it was arranged that I would make a payment for XX/XX/XXXX for {$1400.00}, a payment for XX/XX/XXXX of {$2200.00}, and in XX/XX/XXXX for {$2000.00}, and would go back to my regular payment in XX/XX/XXXX. Which I did. After looking at my credit report at the beginning of XX/XX/XXXX I noticed that CMS had reported from XX/XX/XXXX-XX/XX/XXXX and was reflecting a 59 day late which plummeted my FICO score. I sent a certified letter and requested that they fix the error, my letter was received and CMS removed it from my credit reports. 

In XX/XX/XXXX my wife and I decided that we would take out a HELOC to make upgrades to our home and pay some debt off since the market was booming and home values were sky-rocketing. After having our credit checked it was made clear to us that Carrington MS had yet again made another mistake and had once again reported to the credit bureau a 30 day late for XX/XX/XXXX. I again sent them a certified letter ( that is the only way you are allowed to dispute ) asking them to remove their error. 

I received news today that they are denying my request to correct the mistake. I have all my bank details to show that there was not late payment in XX/XX/XXXX. The funds were drafted from my account on XX/XX/XXXX and on XX/XX/XXXX for a total payment amount of {$3000.00}. I have requested repeatedly to please send me a allocation of their payments with no avail. 

In the state of Georgia, from XX/XX/XXXX to XX/XX/XXXX all counties were considered disaster relief areas from hurricane Irma. I was assured by the customer service representative that I spoke to that it would not be an issue to correct the report due to the disaster relief area- if nothing else. I have been lied to and drug through the ringer with CMS. I have spent countless hours preparing letters and inquires to CMS. 

There has been no clear understanding with Carrington MS since day number one. I simply want the mistake corrected.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXXXXXX XXXX which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. I believe these fraudulent activities are a direct result of the Equifax data breach. Despite being affected by this breach, I was not informed by Equifax through any formal communication, such as a mail letter. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Product: Credit reporting or other personal consumer reports

I submitted disputes with Experian, XXXX and XXXX in early XXXX, these disputes completed at the end of XXXX with positive results for me ( accounts were deleted ). I have received updated credit reports, but the XXXX XXXX has not been updated. I contacted the credit bureaus MULTIPLE times and have either been given the run around and/or being gaslit by representatives. I then contacted myFICO and found that the credit bureaus are not or have not submitted the updated information to myFICO, which is why my credit scores have not been updated.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiry 's Damaging my credit score that were from over XXXX years ago, Please Remove ASAP XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
Portfolio Recovery is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against Portfolio Recovery. awaiting court date.
Product: Debt collection

Ocwen Loan Servicing continues to send us letters and harass us by phone. They are incorrectly showing at the XXXX bureaus that a piggyback XXXX mortgage ( purchase money - not a HELOC ) that was foreclosed back on XXXX/XXXX/XXXX is still open and the account past due. Arizona is a non-recourse state.Based on my credit report from XXXX, Ocwen had charged the account off on XX/XX/XXXX with no activity ( XXXX ) until XX/XX/XXXX - when they decided to inaccurately report the account " open '' and 180 days late. I have called OCWEN on numerous occasions but OCWEN continues to call us weekly and sending numerous bogus " Mortgage assistance Resources '' letters - 6 years after foreclosure. As I said this was a " Purchase money '' piggyback XXXX mortgage - NOT a HELOC loan. Ocwen seems resigned to blackmail our credit with the bureaus and harass us for a 6 year old foreclosure ( XXXX mortgage ) that was written off many years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT FIRST ACCOUNT IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
I NEVER APPLY OR OPEN THIS ACCOUNT AND THE CREDITOR AGREED TO DELETE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXXCharge off XXXX XXXXCharge off XXXX XXXX XXXXCharge off XXXX XXXX XXXXXXXX XXXX-Charge off XXXX XXXXCharge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX from Capital One. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX. 
I have tried to contact XXXX XXXX XXXX to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased. 
Capital One runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
Product: Debt collection

In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports
Product: Credit reporting or other personal consumer reports

This is an update to Complaint ID : XXXX since Equifax requested documents to prove my identity. 

Summary : I am writing to file a complaint against Equifax Information Services LLC ( Equifax ) for their repeated failure to address and resolve unauthorized changes to my address on my credit report. Despite multiple attempts to identify the source of these changes, Equifax has failed to provide me with the information I need to protect my identity and credit. 

Details : * Unauthorized Address Changes : My address was changed without my authorization on two occasions : XX/XX/year> and XX/XX/year>. 
Equifax Complaint Numbers : I filed complaints with Equifax regarding these incidents, with the following reference numbers : XXXX, XXXX, XXXX, and XXXX. 
* Lack of Response and Evasion : In each complaint, I specifically requested information about the creditor or entity that initiated the address changes. Equifax has consistently failed to provide this information, instead offering irrelevant responses or deflecting my questions. 
* Impact : This lack of transparency hinders my ability to understand and rectify the situation, leaving me vulnerable to potential fraud and identity theft. 

Request : I request that the CFPB investigate Equifax 's handling of my complaints and their failure to provide the requested information. I urge the CFPB to hold Equifax accountable for their lack of transparency and ensure that they provide me with the information I need to protect my financial well-being. 

Sincerely,
Product: Mortgage

My fiance and I initiated an offer to buy a home from MI Homes in XX/XX/XXXX. At this time we were told that the construction would be completed later in the year and that there were not options for rate locks at that time. We received infrequent construction updates and in XX/XX/XXXX, we inquired about a rate lock with MI Financial, the in-house financing arm for MI Homes . We received confirmation of different rate lock options ( attachment 1 ) and the individual at MI Homes assured us that both options ( 120 or 180 day ) would take us through our closing date based on the conversation that MI Homes had with MI Financial. I went through the process on XX/XX/XXXX for a change in circumstance notice ( attachment 2 ) and paid {$5700.00} for the rate lock at that time. In XXXX, I reach out to MI Homes about an update on the construction timeline, and they inform me that construction would take us through mid XX/XX/XXXX ( attachment XXXX ). This materially change our timeline expectation based on our previous discussion with MI Financial that assured us a 120 day rate lock would be sufficient. After some back and forth, a VP at MI Homes reaches out and explains ( attachment 4 ) that mistakes were made in MI 's process and says " Lastly, if you determine none of the above will work, we will certainly return your deposits and terminate the transaction. This is not the outcome we want but understand your position if that is what you determine is best for you and XXXX. '' We ended up terminating the transaction and MI Homes refunded our deposits back to us. The MI Financial branch manager was CC 'd on this email and as part of the phone discussion, I was assured that all of the deposits in this case to be refunded included the {$5700.00} for the incorrect rate lock. I have sent continuing correspondence to get this money returned to me, but have not received any contact from MI Financial and now I am turning to the CFPB since I feel I am entitled to my own money back and that the original rate lock was made on deceptive and false pretenses about assurances of the rate lock time period being appropriate to cover the construction when MI Homes later came back and stated unequivocally that that time was never the official estimate of the construction.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX