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

On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX CT XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX 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 Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have been trying for years to get resolution with XXXX XXXX  and XXXX XXXX XXXX, as well as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Pass Through Certificates XXXX. 

This mortgage was settled and paid XX/XX/2012. It was liquidated, charged off, paid off with Federal Relief Funds and all Investors were notified. 

The mortgage was included in Federal Court Case against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

After I settled my case against XXXX  XXXX XXXX and the Judge ruled in my favor, XXXX  XXXX XXXX washed their hands of my mortgage and liquidated it. Then Select Portfolio Servicing assigned the themselves the servicing rights for a mortgage that has been paid off with Federal Relief Funds.

When I inquire about granting me a Full Reconvyence to SPS, they tell me that the Investor and Owner of the Account is XXXX XXXX XXXX. When I inquire through the Consumer Financial Protection Agency, XXXX XXXX XXXX  replies to my complaint with ; " We are not associated with this account ''. 

Now XXXX XXXX XXXX has written to SPS and hopefully agrees that a quick claim deed or Full Reconvyence will be granted. MIN # XXXX. APN # XXXX. 

I would like to put this behind me and move on with my life. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

APPLY FOR A PERSONAL FROM MY BANK I WAS DENIED BECAUSE OF NO CREDIT HISTORY AMOUNT OF {$15000.00} FROM OLD NATIOAL BANK CREDIT REPORTING ANGENCY TRANSUNION DATED XXXX APPLICATION NUMBER XXXX.
Product: Credit reporting

The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.
Product: Mortgage

My previous complaint against Champion Mortgage/Nationstar may have been answered but the responses were incorrect. This time I submit proof that my complaint is correct. 1. When Champion/Nationstar foreclosed on me inXX/XX/XXXX, they used incorrect numbers that were incorrect so the foreclosure was illegal but attorneys for Champion proceeded even though I tried to prove otherwise and my wife lay XXXX at the time. She XXXX on XX/XX/XXXX. The foreclosure was based on Champion claiming I owed real estate taxes for XX/XX/XXXXin the amount of {$10000.00} when the actual taxes for XX/XX/XXXX were {$6600.00}. False information leading to illegal foreclosure. 2. Now, Champion is foreclosing for the amount of {$11000.00} when their own statement shows LOC balance as {$8600.00}. 3. in written email from Champion their representative " declines '' to give me an proof of their charges. 4. In current threat of foreclosure, Champion lawyers state original loan balance as {$380000.00}. when the true original loan balance was $ {$170000.00}. I have repeatedly asked for HARP but have been ignored. I assume Champion will ignore it until it expires in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I need your help investigating accounts from companies that continue to report late payments inaccurately. I was laid off and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX  XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX NA on XX/XX/XXXX. 
Inquiry from XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Vehicle loan or lease

Yes XXXX XXXX I sent in that I had lost my bi weekly paying job and I sent in that I had a back up job that paid once a month but a smaller pay. I brought everything in to there XXXX office on foot after they shut the car down several times and even used my daughters childsupport payments to pay till I could find another job also. XXXX XXXX XXXX  XXXX finance promise to work with me over and over. They have shut my car down multiple times I have missed out on high paying jobs cause no reliable transportation. My daughter is XXXX XXXX so she hasnt been able to get back and forth to school either due to our transportation being shut on and off. They are threaten repossession and garnishing my wages. The XXXXXXXX XXXX XXXX value of the car has already been paid off on the car which is the value of XXXX. They have turned off the car even before the actual payment date we arranged. They also stole off my credit card that I did not authorize payment on I had made a report to mt XXXX IL police department. They also have several policys on our agreement one papers stating 44 payments and several others stating 88 payments which is illegal for any dealer ship to go over 72 payments. I am filing this complaint because the state needs to be aware of the illegal activities they are doing to not only me but several others. They also called me lazy and told me I need to find a job theres no excuse knowing theres covid shut down still going on in IL and after they shut my car down purposely the next day when I told them I had a job interview. Now they are harassing me after I asked to speak with XXXX XXXX the head supervisor they refused several times but I was wrote a letter by XXXX XXXX XXXX that he will repossessed my car and garnish my wages and sue me after being decline to speak with him several times about a better payment plan till I can get another job. When they stole off my credit card they forge my signature on a paper with my credit card numbers I never signed off on I just only did one time payment with the card online. Thank you in advance for taking you time to read this please contact me as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate information about my. Credit card. The account is accurate but Capitsl One will not report it. This practice is unfair and discriminatory and must be stopped. Capital One should report to their credit reporting agencies they hire that my account is accurate. My fico score is being dropped unnecessarily and is giving other potential creditors that iam a bad risk. As a person of color this practice is disparate because it happens every month.
Product: Debt collection

This is a 2nd notification that I've received from Telecheck Recovery Services that I owe {$500.00}. I've spoken with my bank reps, and was informed their banking records indicate no such transaction ever took place. Also, I didn't visit the XXXX XXXX on XX/XX/2021. I've disputed this with TRS, and they insist on me filing fraud papers. Once again, this transaction never took place. As a result of this false information in my record, I've been embarrassed, as any check that I present to a retailer is being declined due to this information in my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. Equifax credit bureau stated the accounts listed below were properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602a. States I have a right to privacy.

15 U.S.C. 1681 section 604a section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I ask Experian, XXXX XXXX, XXXX to take bankruptcy off my credit report and they decline to take it off. Also the private credit ( Experian, XXXX XXXX, XXXX ) reporting agencies are monetizing off my report. I very upset because my credit is effected, my family is suffering with this problem. I stress out and this has made me very depress ... On the United States Bankruptcy Court XXXXXXXX XXXX of Texas does not report information to credit reporting agencies...... So they took my information to monetizing...... .this violated Fair Credit Reporting Act 15 U.S.C 1681 c ( a ) 1 Experian XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

Fraud with XXXX and Paypal transfer XXXXXXXX XXXX XXXXXXXX XXXX XXXX  employees illegal used membersip program for food gyms phone housing transit, money transfer services, royalities, union memberships, licenses, permits, texting XXXX services cell phones applications cars subscription business associations books and gift cards. XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX I have returned to work part time. taken XXXX each employee board each year and breach of contract, theft of service.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX ( Original creditor : XX/XX/XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Product: Debt collection

I already send 2 letter to the debt company asking about the debt asking for the proper paper but they haven't send any paper the only paper they send was the total amount of the debt, I was not notify went the debt company buy the debt and I never receive any paper work from the debt in till they just send me letter that they will take legal action
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I recently bought a home and needed to pay off some of my unsecured debt. I called Avant prior to paying off loan on XX/XX/XXXX where they gave me a quote and a pay off date of XX/XX/XXXX. On XX/XX/XXXX I mailed 2 checks one in the amount of {$4000.00} and {$120.00} to pay off my entire loan balance. They were mailed together in the same envelope to Avant via XXXX express where both check numbers were documented when sent. The checks were received XXXX. Upon receipt, only 1 check in the amount of {$120.00} was posted. I dont see how they can only receive one check when they were sent together in the same envelope? I have called numerous times to inquire of the status of my pay off of {$4000.00}. No one seems to know and I can only speak to foreign agents. They have no direct line to their receiving department in XXXX where the checks were sent. I was provided with an email for their receiving department and still have no word. If my amount is not paid in full by XXXX ( which has passed now ) I will face extra fees, penalties and possibly a negative mark on my credit score. I feel this is extremely bad business on their end as I paid my dues timely. If dont receive an update within the week I plan to put a stop payment on the check.
Product: Student loan

I submitted an application for loan forgiveness to XXXX on XX/XX/2022. I received notification from XXXX that I had made 120 Qualifying payments on XXXX/XXXX/2022. I have not received my loan forgiveness letter and now I am stuck between XXXX and MOHELA. XXXX says my loans have been transferred, but why because I was eligible to be forgiven? MOHELA says they don't have my information yet. I know many loan borrowers are in my same situation -- we have made 120 qualifying payments and are now stuck in XXXXMOHELA transfer purgatory with no end in sight. There has got to be a better way to deal with those of us in this situation. And even though XXXX and MOHELA both say that FSA makes the final decision about forgiveness, when I call FSA they say they can't see any of my information. Many of us have been working over 10 years trying to get the 120 payments and now that we have them, we are told to wait. This is very frustrating and disheartening. It is really impossible to move on with our lives until our loans are forgiveness. These are real people facing real hardships. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to Inadequate customer Service and Unfair practices, Which violates customer Financial protection act ( CFPA ). Specifically, cash app failed to take Timely and effective measures To prevent And address fraud on Their platform, Leaving my account vulnerable and unprotected. Furthermore They are dispute resolution Process is unfair And deceptive, As they did not comply with error Resolution Requirements Under the electronic fund Transaction act ( EFTA ) And regulation E. These actions has caused significant inconvenience And financial loss, And I seek Appropriate Redress For these violations
Product: Student loan

My student loan was transferred from XXXX to KHEAA XXXX of 2020. I entered in to a student loan rehabilitation program with them in XXXX of 2020 and my first payment of 10 to rehabilitate my loan began in XXXX of 2020 with a monthly payment of {$170.00}. I have paid every payment on time without fail and expect to meet the rehab requirement in XXXX of 2020. However, I received a harrassing notice from them insisting that I am in default and have to pay {$10000.00} immediately and that they will be pursuing all avenues for collection. First of all, I am rehabilitiating my loan successfully so far so this notice is unwarranted. Second, my rehab arrangement was made directly through KHEAA in XXXX. Also, the loan balance does not reflect any payments which is fraudulent on their part.
Product: Debt collection

In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Bank of America accounts opened up in my name. I immediately notified the Bank of America fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Bank of America continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.
Product: Mortgage

I am a retired veteran. 
When my loan originated my wife, who is now deceased had XXXX. 
The loan should not be legal at all with this XXXX. 
XXXX will not help me save my home. 
I am XXXX and could be homeless. 
My home is upside down by {$80000.00}
Product: Credit reporting or other personal consumer reports

date : XX/XX/XXXX Trans Union, XXXX, XXXX To Whom it may concern The accounts is fraudulent on my credit report. I am taking action to get them off my credit report. I did not open these accounts it wasn't by me they are affecting my life Since COVID 19 I've been having problems with fraudulent accounts on my profile XXXX XXXX XXXX XXXX Account Number # XXXX opened on XX/XX/XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXXXXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$3500.00} XXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$5900.00} XXXX XXXX XXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen resulting in fraudulent activities added to my credit file, i am reporting it in hopes of having it corrected at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing that are current collecting agency reporting on my credit that i never done business with, wrong personal information.