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

I am deeply upset that Equifax continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/2017 dispute results, for the second time same issue. BK # XXXX from was removed from my Equifax credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by Equifax. Due to this inaccuracy being reported my family and I are being affected. I am on anxiety medications from the stress of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

Equifax continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from Telecheck Services LLC on XXXX. Ive already sent in a dispute complaint about this unauthorized inquiry and Telecheck services as well as XXXX stated that this inquiry would remain on my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Telecheck services have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with Telecheck services furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with Telecheck services for review or collection. This needs to be removed immediately.
Product: Mortgage

I spoke to PHH mortgage company around XX/XX/2023 after being about 6 days late on my loan with ( XXXX ) a number provided by the XXXX to help Veterans in talking to mortgage company 's in regarding mortgage forbearance plans that would be put at the end of my loan. We explained to them that I have been out of work for over 18 months and I was waiting for the XXXX  XXXX over 12 months to do XXXXXXXX XXXX  an back XXXX. We also informed them that I had pulled {$74000.00} out my plan B retirement early to cover my bills and had used up all my funds. we also told them I was awaiting for a XXXX XXXX claim review and my retirement paperwork to be reviewed and awarded. I was told that I would receive a letter in the mail before the end of my 3 months explaining what to do next. after we explained everything to the lady we was told I was approved. and that I would get something in the mail explaining what to do at the end of the forbearance plan if things had not changed. we was also told that we could get a additional 3 months extension if needed after the first 3 months. I attempted to make a payment to my account before the 90 days was up and I was not able to with a note to my account stating that I needed to contact the mortgage company and that I had to make a $ XXXX payment. I contacted XXXX XXXX ( XXXX ) On XX/XX/2023 we had another and we spoke to PHH lost mitigation after about XXXX attempts. We spoke to a lady that started out by saying, I needed to pay the late balance of {$12000.00} to make my loan current. we told her what we was told by a PHH in XX/XX/2023 that I was given a forbearance for 3 months to be added to the back of the loan. she informed XXXX that that is not what we was told and that my 4 months was do now in the amount of XXXX XXXXXXXX. XXXX ask her to explain how did they retroactive the XXXX forbearance payments that was agreed would go to the back of the loan is no due making my loan 4 months behind instead of being able to make the XXXX XXXX  month payment as agreed. she also told us that I was in a XXXX  XXXX loan after XXXX ask what kind of loan I have. XXXX told her that she had never heard of any government backed loan that didn't allow for forbearance to be granted let alone be retroactive due to the fact that I have over {$200000.00} in equity in my house. XXXX asked what happen to the 3 month Forbearance and the lady after being questioned again the second time stated it was denied on XX/XX/2023 5 days after we spoke to them I have not received the denial letter to date. XXXX told me to file a complaint and that she was going to talk to upper Management and get back to me. because she felt I was being mistreated. attached is a letter dated XX/XX/2023 with no mention of a denial that reads as if it was the first correspondence from my to PHH. she also stated that I most likely would have to refinance or possible short sale but to file out the application that she was sending. I have a XXXX XXXX loan at the present to do any of the following would raise my loan to XXXX XXXX to where I won't be able to afford. I do believe both conversation with XXXX was on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX  is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.
Product: Vehicle loan or lease

XX/XX/2019 a man by the name of XXXX flashes a flash light in horizontal gestures outside my home. As we live in a high car breaking area I think some one is trying to break into my husbands car as it happened once already in the previous months. I look outside my window and I go outside he states he is here for my vehicle that is secured not once did he mentioned who he worked for and he told us his first name after we asked him. Since our initial conversation he stated that if I did not open the gate he would have police involved to have me arrested immediately for trying to deny him access to the vehicle. He said even though I was not legally the owner of the vehicle that he could still have me arrested and gave me a penal code that I do not remember about a it becoming a felony when we tried asking him more questions he kept saying that he should have already called the cops on us and that he was being nice guy already. He also said that he didnt want to call the cops because that meant they would have to look in my house and if I had something that I shouldnt have even if I was just house sitting or something like that I would be the one at fault and I would be the one arrested. I told him I had nothing to hide that was not an issue. 
XX/XX/19 My husband called the lender and they told him they were not authorized to give him any information.

XX/XX/19 My husband calls again the lender and will not disclose any information as to how we are able to get the vehicle back.

XX/XX/19 I become involved and try to get information as they are now asking for a credit application in my name but they refuse to give any information as to why they want me to give them my personal information. 
As of this date it has been past 48 and we have not received a Notice of Seizure or any information as to how we may retrieve the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 SC 1681 Section 604 A Section 2 : It also states a consumer agency cant furnish an account without mv written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Credit reporting

I filed a dispute in XXXX against the collection agency known as XXXX ( XXXX ), account number XXXX Phone number XXXX with equifax sometime in 2013. Equifax failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, Equifax, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to XXXX XXXX, Equifax, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Product: Debt collection

I first sent Asset Acceptance a letter in order for them to verify the debt owed and they responded, however the account was past the SOL. 

Since their response, We had agreed to settle the debt in exchange that they will remove the following account from my credit report. However they have not complied with the agreement, and the account remains open and reported as unpaid. I have paid them, and they are saying that it will take __ amount of days to receive a receipt.
Product: Mortgage

I submitted a complaint XXXX, concerning my home loan being reviewed for foreclosure, because I had been told I could make a payment. I requested the telephone calls be reviewed. On XX/XX/2019, I received a message from XXXX stating Navy Federal claimed I had not submitted the Hardship packet. However, this is not true and I have the tracking receipt to prove the packet was received. I never received a letter or anything concerning my Hardship packet, but I received a letter stating my home was being sold on XX/XX/2019, and people have been texting and calling my phone concerning the sale of my home. I am a XXXX  veteran and I have a XXXX XXXX and I am awaiting VA benefits for XXXX, so the fear of being homeless is affecting me in a horrible manner. Why request I send in a packet and under documentation if there was no intent to assist me. I emailed Navy Federal a copy of the transaction receipt, because I do not feel the information provided to me over the telephone can be relied upon since this last issue occurred. I have no idea if calls were received or update on packet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX Equifax and XXXX that I would like dispute XXXX XXXX  that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with Equifax XXXX XXXX and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE, XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE, XXXX XXXX of XXXX Chase called me at work to speak to my son. But would not tell me what it was about. A couple days later a representative XXXX XXXX called me at work regarding this case. My son was an authorized user on the account. He was also paying the credit card statement in full each month. He contacted the credit bureau regarding these charges as he thought his credit card information had been stolen. They removed his name to solve the issue with the credit bureau. XXXX XXXX called me about a week later saying that I was responsible for the charges since other unrelated charges where posted to the account and monthly payments were still being made which of course payments were being made to the account, and it was the only credit card that my son had in his name. I am pretty sure that is why my son didn't really notice the charges as they started so small, and he paid his balance off in full each month. He was using the card at the same time and paying it in full each month. I wrote to Chase 's fraud department in writing asking them for a new card since the executive office wasn't a lot of help in XX/XX/XXXX. I never received one. I have used my card on and off but once they offered the lock for my card I just locked it as I am trying to pay off a bill that is not mine. On XX/XX/XXXX 2 charges were made against my account in XXXX Michigan for gas. I called Chase right away and they pretty much accused me of using my card there. I live in Minnesota, no where near Michigan. Since my card was locked those charges should have been declined. The reason they did show up was because I unlocked my account to grab a burger at XXXX XXXX and then went to lock it and saw the charges. They have issued me a new card. I did go to the XXXX XXXX XXXX to bring this up but again they stand behind there decision that I am liable for purchase of bitcoin that I never bought. They suggest that I I try to solve the matter outside the bank. I do have another credit card from Chase and have never had an issue. However I do believe my credit card information was hacked. However once the credit card was at it's limit they quit charging on the account.
Product: Mortgage

I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently went through my credit report and found some discrepancies in billing. The mentioned late payments dont match my payment record. Kindly rectify these issues and update my account.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275.  These laws require a mortgagee ( XXXX ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. XXXX has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, XXXX states, The loan was sold and transferred to SPS effective XX/XX/XXXX. SPS states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and SPS is the mortgage servicer. If the loan was sold, as XXXX states and SPS confirms, XXXX is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XXXX, XXXX and XXXX. If the erroneous mortgages were transferred/assigned to SPS, as XXXX also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by XXXX to SPS, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both XXXX and SPS remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since XXXX has sold and transferred the aforementioned mortgages without adhering to established law.
Product: Credit reporting or other personal consumer reports

CFPB, I MAILED A DISPUTE LETTER IN ON XX/XX/2024 ASKING COULD THEY REINVESTAGATE XXXX  XXXX XXXX BECAUSE THE INFORMATION I FOUND ON THERE WAS NOT ACCURATE.
Product: Checking or savings account

I already submitted similar complain 4 times. 
My current mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX {$650.00} was not received by me. 
Do not mail check deposit it to my checking account in bank of America
Product: Credit reporting or other personal consumer reports

Since I reported experian to the cfpb back in XX/XX/year> my score has increased decreased increased then decreased 4 times in one month XXXX to XXXX then XXXX then XXXX to now XXXX to now XXXX all in one month a dispute was done with XXXX XXXX line that I didn't request it and it was removed I had only requested a dispute for XXXXXXXX XXXX only and asked for the removal of all other addresses that are currently still there I haven't lived at in 10yrs all inquiries I didn't give permission for and the update of my name the address are still there
Product: Credit reporting or other personal consumer reports

I ask Experian, Transunion, and Equifax to supply information about my late payment but they can not provide a 21 days notice I dispute it 3 rounds and got the same results a stall letter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAP ONE NA Bank XXXX XXXX XX/XX/XXXX XXXX CAPITAL ONE Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE NA XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

Duplicated student loan/accounts reported by XXXX. 

Accounts were reported/opened on XX/XX/XXXX with the highest balance of {$24000.00}. Zero monthly payment and Last reported on XX/XX/XXXX. 

The second account was also reported/opened on XX/XX/XXXX with the balance of {$24000.00}. ( With a highest balance of {$25.00}, XXXX last reported XX/XX/XXXX ) Also the balance due on my student loan is reported incorrect. Last payment being made to XXXX in the amount of {$270.00} on XX/XX/XXXX. 

Current/correct balance as of today XX/XX/XXXX is {$24000.00}
Product: Bank account or service

We have a second mortgage with Wells Fargo. Because home equity lines are lower than the 8.99 % we pay now a caller from Wells Fargo suggested we apply for a home equity line and payoff the second mortgage. We did and asked for {$11000.00} additional to do some work on our home. I had secured a hardest hit loan from Kentucky which was honored 6 weeks ago. I received a call just now and was told that Wells Fargo treats Hardest Hit loans like foreclosures and that 's the reason we were turned downed.. This is just not right. We got the hardest hit loan to avoid foreclosure and now find it is treated like a foreclosure even though it saved Wells Fargo XXXX dollars. Had we been foreclosed on Wells Fargo would have lost all the balance of their loan as they were 2nd lien holder.