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

Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called XXXX, TransUnion and XXXX for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.
Product: Mortgage

I enter the Covid forbearance plan and resume my regular payments 8 months ago. Since then I have tried to be qualified for a deferrement option but every time I apply their system automatically denies the option for a Loan Modification citing as the reason for the denial that they can not modify the Loan because there is not enough reduction to the monthly payment. 
I have called numerous times asking for an escalation because I am not looking for a reduction on the monthly payment, I can continue making my regular payments as I have been doing for the past 8 months but they keep on changing their answers for the reasons of their denial depending on who picks up the phone. First they said I didn't qualify because I was not up to date when the Forbearance started, then the investor don't offer the solution, etc. They say the only way to retein my home is to pay $ XXXX at once when the plan stops. 
I can not believe they would do such thing without even looking at my documents, and without considering that I have already resume my regular payments. They would not escalate for me to be able to talk to someone who would take a hard look at my personal situation. 
I've been in my home since 2004 and have paid close to nothing technically, and they wouldn't even treat you like a person, closing all doors. Do they think one would not pay if able to? To the risk to loose their home? Who, who's gone through the COVID hardship will come back with all the money at once? 
I believe this is inhumane and unacceptable and there should be someone who can stop these people to try to take your home from you.
Product: Checking or savings account

A " service fee '' of {$15.00} per month has been taken out for the last few years, where i've never had service fee, been a customer for 20 years.
Product: Mortgage

The mortgage company was XXXX XXXX XXXX. XXXX XXXX bought XXXX XXXX from XXXX XXXX XXXX in XXXX. XXXX ceased XXXX 's operations in late XXXX due to the subprime market collapse. So now I am left with XXXX on my deed and no idea how to get a full reconveyance as the loan has been discharged. 

I wrote the Servicer SPS on my second mortgage. The second mortgage was also charged off in XXXX, and SPS did not notify me, and when requested proof of notification, they could not produce the proof that they notified me that the second mortgage of which was part of the purchase loan ( Combo Loan ). The accepted a short pay offer of {$2500.00} to pay off my second mortgage. Prior to all this, SPS denied me access to my account for four years, until I filed a complaint with Consumer Financial Protection Board. Since then they accepted my offer and sent me a full reconveyance. I do not know who owned the note and who the investor is ( owner ). 

It has been a long battle to save my home since XXXX. MERS, Robo Signers, Fraudulent Notices, companies going bankrupt like XXXX, then XXXX XXXX XXXX   stepping in but won't step up and help home owners, but state that they are the trustee but don't have authority to grant the re conveyance. 

Then on the account statements financial records, there are discrepancies of money as place holders and large amount of cash transfers that SPS can't explain when asked. 

This mortgage XXXX ( that is the account number they give me now ) the MIN number for the loan is not even available or listed on MERS at all, no record. I don't know what is going on. 

I am requesting that SPS send me a full reconveyance of the first mortgage due to the facts. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I purchased a car from XXXX through XXXX and somehow Bridgecrest holds my allege loan. 

After coming across and studying laws and regulations and seeing how Ive been violated I reached out to Bridgecrest XX/XX/2022 to inform them on how theyre violating me and to cease such activities. 

They sent me back a computer generated response. 

XX/XX/2022 I informed them on my right to rescind such transactions and I did rescind such consumer transaction. Giving them XXXXdays to cancel security interest in my property, as well as claim reimbursement for all interest payments made, and for them to send me title. 

They than sent me back another Computer generated response the same as the one prior.

They have also giving my private information location to two different Tow companys who have violated my privacy and tried to commit identity theft and aggravated theft. 

I am at the last point to get this situation solved. 

They are ignoring my correspondences, my rights.
Product: Vehicle loan or lease

Ive written and called this company. Several times the amount being reported to the credit bureaus is different then the amount they are telling me when I called ive ask for varied copies of this debt never received nothing
Product: Mortgage

In XX/XX/2021, I have contacted REMAX to connect me with an Agent to buy a condo in the XXXX XXXX. Relax provided me an Agent by the name of XXXX XXXX and ensured me that the transaction is legitimate. Throughout the process I have suspected that some information is not really accurate and the Agent has been able to provide adequate information to me. I was required to sign a lot of documents to buy the property. I also told by XXXX XXXX that I had to wait until the construction company finish building the property so I could finalize the deal with. I have waited for a so long and nothing happened ; I finally received notification from XXXX stating that the condo is done and I need to apply for the mortgage. the price of the condo was {$69000.00} and I put down a deposit of {$14000.00}. the Bank that XXXX referred me to so I could purchase the long is charging me triple the rate to inquire the loan. I suspect that there fraudulent activities and SCAMs going on in the process I have decided that I would NOT pursue the condo and request my FULL deposit back. a lot of my colleagues are doing the same. I have tried calling, emailing, sending text Message to the XXXX XXXX XXXX, she does not return my calls and ignore all communications. Her office address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX her number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Transunion, to reinvestigate these accounts : XXXX - XXXX, XXXX - XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. The following personal information is incorrect. The following personal information is incorrect Account XXXX XXXX  Account XXXX opened XX/XX/XXXX and XXXX XXXX Account # XXXX opened XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report, The inquiry was not authorized XXXX XXXX on XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, XXXX5 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report says that I have 7 missed payments, but I should only have 1 missed payment. All my accounts were included in Chapter XXXX Bankruptcy, except for the 2017 XXXX XXXX loan. The XXXX XXXX loan is the only account not included in bankruptcy that I missed a payment on. All the other accounts were included in the bankruptcy, and should not be affecting my credit score.
Product: Debt collection

In my initial complaint about this company, trs recovery services, I stated I never want this company to call me again OR mail me anything ever again and ONLY email me. I even emailed them stating the same thing and then they continue to mail me documents. This is now harassment. TRS is known for this.
Product: Credit reporting

The IRS filed a lien on our credit on XXXX XXXX, 2014. The lien was subsequently withdrawn XXXX XXXX, 2014. The Credit Bureaus did not report the with drawl and has caused our once good rating to suffer for over two years. How can the credit agencies be so quick to pick up the negative reports, but fail to report a positive. Also we see that the credit bureaus reported bankruptcy verbiage on our report. We have never filed bankcruptcy. I request these XXXX issues be corrected immediately,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under 15 USC 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 


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

Equifax is reporting a negative account ( # XXXX, {$7600.00}, XXXX XXXX XXXX XXXX ) on my Equifax credit file as a " Charge off, '' when in fact the account is a civil judgment ( see attached court document proving this account is a civil judgment ) that does not contain the proper identifying information. This account is being falsely and inaccurately reported as a charge off. This is a civil judgment and not a charge off. It does not contain my social security number, my address or my date of birth. I have disputed this account with Equifax several times and each time Equifax responds with a notice that the account was verified by Equifax. ( See attached response from Equifax, page 3 ) Equifax provided no documented proof that it should have requested and received from the creditor as a part of its investigation. Equifax has no documented proof that this account is not a civil judgment and it Equifax has not conducted a proper investigation of my disputes according to the law. This account is not being reported by the other two credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Hello. I contacted Transunion regarding a notification email regarding my credit report information on or after approximately XX/XX/year>. I logged into the Transunion website and I was not able to view my credit report. The error message says that this is temporary but when I did an Internet search I learned that this has been happening to many people and for longer than the last year. 

I attempted to speak to a representative over the telephone and this proved unhelpful. The representative was difficult to understand and they transferred me to another team member but my call was disconnected. I called again and this time I was given a ticket number but after a few months ' time there was no resolution. I attempted to seek help using the chat function through the Transunion website and the representative on the chat function said that the only thing that they could do is to sent me a copy of my Credit Report. I still have not received this. I do not have a saved copy of this chat transcript. 

I am concerned with the safety and validity of my information with this Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed an application to rent a residual property. I sent the application without my SSN due to the SSN guidelines. Your SSN is only to be shared with your current employer for SSN benefits administration. Resolve Partners, who is a third party rental application review company, retrieved my SSN some how illegally without my consent and pulled a credit report on me. That credit report was then shared with XXXX XXXX of XXXX. XXXX XXXX of XXXX then reviewed my credit report and denied my application to rent from them. I communicated to Property Management of XXXX that they were in violation of the FCRA act and SSN Act for having my credit report pulled without my consent and illegally obtaining my SSN
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find the attached copy of my ID, The FTC Complaint, a copy of my XXXX Report showing my information exposed in a national data breach and a Validation of Debt Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX XXXX . My current and only address is XXXX   XXXX XXXX  XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank issued me a XXXX for the chaged off balance and still reporting full balance of {$8200.00}. 
On XX/XX/2019 Disputed to 3 credit Breau 's and came back verified as correct information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX  XXXX - XXXX - {$110.00} XXXX XXXX - XXXX - {$94.00} XXXX XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$220.00} XXXX XXXX - XXXX - {$1200.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Debt collection

a. Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. 

b. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond. 

c. Portfolio Recovery Assoc FALSELY is listing on my XXXX report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( DUPLICATES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DUPLICATES ) XXXX XXXX XXXX ( DUPLICATES ) XXXX XXXX XXXX XXXX XXXX XXXX ( DUPLICATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

I purchased a car through XXXX XXXX dealership in XXXX SC on XX/XX/year> and specifically instructed them to ONLY RUN MY credit application through XXXX XXXX. as I knew my XXXX XXXX was strong no need to run it through any other XXXX XXXX or bank. 

On XX/XX/year> I saw they had ran it through 3 times ... XXXX immediately emailed the dealership what came over on credit report and I wanted a call back. 

I received a call back from the dealership XXXX XXXX and he made up some lame excuses ... .I just checked my hard inquiries and today showing Capital on query..which I am disputing since I did not give consent for them to do that ... Which is more interesting XXXX XXXX is Longer on the hard query report ... ... WAS told to contact the credit inquiry co.
Product: Debt collection

On repeated occassions ( XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) XXXX XXXX ( North Star collections ) called about a debt but leaves no contact number. No one at this phone has a loan in collection. Caller leaves a dollar amount only. Dates listed are the most recent recorded dates. Calls started approx 3 months ago and range between 2 and 4 per week ; calls are usually between XXXX and XXXX XXXX XXXX.