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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX
Product: Debt collection

I am a victim of a debt fraud scheme involving lines of credits funded by private lenders and fictitious borrowers who are using my name and likeness to hold me responsible for a debt I did not take out. 
On XX/XX/2014 a letter was sent to me from Chase which informs that CHASE records show that the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. I have attached the letter from Chase. 
1 ) I am requesting Chase reveal the name of the party that caused the lien release to be recorded or was it " indexed? '' in the County Registrar 's Office? 
2 ) Require CHASE to spell out the name of the borrower 3 ) Inform me if CHASE acquired a conventional loan from XXXX XXXX, XXXX? OR assumed a line of credit from XXXX XXXX 4 ) Did CHASE acquire a mortgage and convert the mortgage to an equitable instrument? When did this happen? 
5 ) Was title to real property transferred to the Trust?
Product: Mortgage

My Mom did a reverse mortgage and she just passed XX/XX/2015 now the reverse Mortgage company Champions is not giving me time to get the proper documents in order to buy back home, I ask for an extension. Its only been a month I do n't even have a death certificate yet. The will has not been probated. My god these people are very insensitiveto helping us to keep home. They just want to foreclosure do n't they need a death certificate to prove a person is deceased. And give the family time.
Product: Credit reporting or other personal consumer reports

I request all late payments be removed from my consumer report, pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transaction or experiences between the consumer and the person making the report. '' Another exclusion of consumer reports is " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' ( 15 USC 1681 b ( 2 ). The term " credit card '' is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Credit was extended using my credit card ; therefore the negative reporting of the account is unreportable. The following accounts are exclusions and I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Do not report any collections, charge-offs or late payments pursuant to 15 USC 1681c ( a ) ( 4 ) and 15 USC 1681c ( a ) ( 5 ), which state to antedate the report by more than seven years. Section 1681s- 2 ( a ) ( 1 ) ( A ) States, " 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. '' To avoid additional violations of the FCRA I am requesting the following information be updated on my consumer reports as follows ( 15 USC 1681b ( a ) ( 2 ) ) : a. Removal of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX. b. Removal of all addresses from my consumer report. My location information is : XXXX XXXX XXXX # XXXX, XXXX, Virginia. The burden of proof is on the persons furnishing fraudulent data on my credit file. This whole experience has caused me significant mental and emotional anguish, stress, XXXX loss of sleep, denial of credit, financial hardship, and loss of time.
Product: Mortgage

Dear CFPB, I am writing to file a complaint against Vanderbilt Mortgage and Finance , Inc. regarding their handling of my mortgage following my XXXX XXXX  bankruptcy discharge. My mortgage account was included in my bankruptcy case, which was discharged on XX/XX/XXXX. Despite this, Vanderbilt Mortgage has taken legal action against me, including filing a civil summons. Vanderbilt Mortgage contacted me on XX/XX/XXXX and XX/XX/XXXX over the phone about the outstanding balance on my mortgage. I requested a loss mitigation so my home will not go into foreclosure which they were not able to offer because they denied it. However, after receiving the civil summons filed by the XXXX XXXX XXXX, XXXX. on XX/XX/XXXX, I called to discuss my account and options. The law firm instructed me to discuss everything with the mortgage company which I did. Being I also have XXXX XXXXXXXX due to the Covid 19 pandemic and this financial hardship I am still trying my best. On XX/XX/XXXX XXXX XXXX from Vanderbilt Mortgage called and He asked if I could pay the past due amount of {$18000.00}. I requested payment arrangements due to my XXXX XXXX discharge, but he repeatedly stated that the case was dismissed due to non-payment, which is incorrect. I also inquired if they had received my answer to the complaint, and he mentioned that he had just received an email about it before our call. XXXX XXXX said he would contact the attorney, and I should as well, to confirm receipt of the notice and discuss the next steps. I also received a notice through USPS about a hearing set for XX/XX/XXXX at XXXXXXXX XXXX. I believed that following my XXXX XXXX discharge, Vanderbilt Mortgage should not contact me personally about the mortgage debt. Their continued contact and the civil summons have caused significant stress and confusion along with the financial hardship I am facing. I believe their actions may violate consumer protection laws and discharge injunction pursuant to 11 U.S.C. 524 ( a ) ( 2 ). Enclosed with this letter are copies of my XXXX XXXX  bankruptcy discharge order and recent communications with Vanderbilt Mortgage. I respectfully request that the CFPB investigate this matter and assist in finding a resolution. Thank you for your attention to this issue. 
Sincerely, XXXX XXXX Enclosures : XXXX XXXX Bankruptcy Discharge Order and Recent Communications from Vanderbilt Mortgage
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you. These accounts were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have Attached a copy of my FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

the have not sent me validation of the accts that i do not have any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a letter to TransUnion, XXXX, and XXXX in regards to two accounts. As of XX/XX/2021, I have yet to receive any correspondence from either of the credit bureaus with an update on the status of these two accounts. I need for this problem to be resolved and these accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : DEPT OF INTERIOR XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX
Product: Debt collection

In XXXX 2016 I reviewed my credit report and notice a collection account with the Phoenix Recovery Group. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from the Phoenix Recovery Group with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from The Phoenix Recovery Group. I have attached all correspondence for this issue.
Product: Debt collection

They say on XX/XX/2020 I did not go in no XXXX and get no furniture I'm found this at identity theft with the Federal Trade Commission we need to come to agreement you need to send me a contract show with my proof and signature you got to make sure you got all the information that you were saying with XXXX furniture cuz I do not have no furniture
Product: Checking or savings account

They closed my account on XXXX, and denied to give me back my money I had in my account
Product: Debt collection

ON XX/XX/2024 I SENT CREDIT COLLECTION SERVICE A CEASE AND DESIST THIS COMPANY IS REPORTING FRAUDULENT INFORMATION ON MY CONSUMER REPORT TO 3RD PARTIES.
Product: Debt collection

On XX/XX/2020 I got a notification from XXXX that I had a new account in collections. It's from a 'Credit Management Cntrl ' for {$1600.00}. The reporting company seems to be management company of an apartment I used to live at with my parents and brother. I had moved out of this apartment over a year prior, and was taken off the lease. Whatever this money is owed for, it is not my responsibility, as again, I had not lived there in over a year when it was added to my credit report. I've disputed this with XXXX multiple times, and I've tried contacting the company with no response. Neither my parents nor my brother, who were on the lease at the time, received any information from anyone about owing any money and have no collections accounts on their credit reports.
Product: Checking or savings account

I am in the process of buying my first home. I called multiple times to request and see if a wire transfer can be done to the title company. I was told yes they could do it. Then I was told no they do not do that. After being told Credit Karma can only do ACH transfers up to {$10000.00} per day, I decided to close my account and have my money wired to my only active linked bank account with XXXX XXXX ending in XXXX. After multiple calls and email correspondence confirming they can in fact send all my funds in one transfer to my bank account ending in XXXX, they instead sent it to a close XXXX XXXX XXXX XXXX account that is not linked due to closure. The funds were then sent back to Credit Karma from XXXX XXXX XXXX  and received. I called and asked again where is my money? They told me previously when the funds came back they would wire it to the correct bank account. When I called today they could not find information on this matter and had to look into this. After the representative found my information, they informed me they have lost my money and do not know where the funds are and will be escalating the situation to a different department who would be in contact with me. In total they have lost and withheld {$23000.00} from me and caused me to possibly lose my new build home. If I want to keep my new build home, I must pay {$200.00} a day and an additional 1 % of my home loan. I need my money wired to the title company by XX/XX/XXXX in order to keep my home and not lose it. They have absolutely provided no help and continuously tell me they have no way to credit and transfer the money they lost. When I asked can they please reopen my account and do 3 ACH transfers instead, they denied that option as they do not allow accounts to be reopened. They said they would send a check, but that has yet to happen as they say they dont know where my funds are at this time. There has been multiple recorded calls and emails showing these accusations are correct and true. I have filled out a form called Written Statement of Unauthorized Debit per request of a customer service representatives manager. He told me I can not get a credit or any of my money back without filling out this form and sending it in. I have not been contacted by anyone yet. 
When brought up that FDIC mandates that issues like these are protected and since you will be receiving the funds, why can I not have my money sent now via check to current mailing address or direct deposit to the active linked bank account, I was told, I understand there may federal laws in your country, but we are not actually a bank, so we dont have to follow that. 
From my understanding Credit Karma operates on XXXX Banking institutions licensing and must adhere to all laws and regulation associated with this bank in order to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen along with a possible PPP loan under my business name Small Texas connected entertainment. Copies of my drivers license and social security card have been stolen. Multiple police reports have been made the perps have rerouted my mail back to old addresses I believe to obtain the mail. Also this could include Money laundering drug trafficking human trafficking etc. I moved from XXXX XXXX XXXX back in XXXX of XXXX on my credit report it shows me moving back XX/XX/XXXX. It's been a lot of mail i haven't received. I've found banks accounts with my business name and money transfered. XXXX XXXX bank XXXX XXXX XXXX XXXX cards different insurance policies even looks like a hospital bill maybe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.
Product: Mortgage

Subject : Complaint Regarding Non-Response and Mishandling of Registered Security by Lakeview Loan Servicing , LLC and XXXX I am submitting this complaint regarding the failure of Lakeview Loan Servicing , LLC and its sub-servicer XXXX  to respond to my formal requests for XXXX accounting and reconciliation related to a registered security referenced as RF XXXX XXXX. This security was originally mailed to XXXX on XX/XX/year>, but I have received no accounting or confirmation of its receipt. Additionally, I mailed a follow-up request for a full accounting and disclosure of the security to Lakeview Loan Servicing XXXX XX/XX/year>. They confirmed receipt on XX/XX/year>, via XXXX XXXX XXXX, yet they have not responded or provided any of the requested documentation. 

The lack of response raises serious concerns that this registered security has been mishandled, misplaced, or stolen. This constitutes a clear failure to comply with federal consumer protection laws, particularly under the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ). I am requesting that the CFPB investigate this matter for potential violations of consumer rights and ensure that Lakeview Loan Servicing and LoanCare provide the necessary accounting and documentation to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past  XXXX   XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.
Product: Debt collection

I obtained copies of all three of my credit reports and observed a collection account on my credit report from ERC for an XXXX XXXX XXXX bill which I do not ever recall having an XXXX XXXX XXXX  account ever. 

A certified letter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Company ( ERC ) on XX/XX/XXXX, please see the attached letter where I requested documentation to support that this was, in fact, my collection account as I do not recall ever having an account with XXXX XXXX XXXX  I received a response letter, also attached from ERC on XX/XX/XXXX stating in paragraphs 5 & 6 : Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of this notice, the debt will be assumed to be valid by us. 

If you notify our office below in writing within the thirty-day period that the debt, or any portion thereof is disputed, we will obtain verification of the debt or a copy of any judgment that may be of record against you. We will mail the verification or copy of the judgment to you. 

I followed up with another certified letter, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, also attached, again requesting validation that this debt belongs to me. Again, they sent me a letter dated XX/XX/XXXX only to state that this debt remains unpaid. ERC still has not provided any documentation to prove that this debt belongs to me even after their own letter states that if I request the supporting documentation, it will be mailed to me. I requested proof that this debt belongs to me on two separate occasions with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$2300.00}
Product: Debt collection

I started seeing a new XXXX office XX/XX/XXXX-XX/XX/XXXX. I stopped when they XXXX my XXXX. My bill was paid in full. I went on to get medical treatment and never went back to that XXXX. On XX/XX/2018 they opened a credit report against me that I owe them {$260.00} through the Collection Agency Capital Accounts. I disputed the charge. The collection increases {$1.00} every month since I disbuted it. I wrote the XXXX Insurance Company and XXXX XXXX actually stole money from me and owes me {$1600.00} which they have not paid. I also filed with the XXXX XXXX and its still under investigation. This man, XXXX XXXX is a crook and I dont owe him a single cent. His XXXX  staff is negligent and caused severe damage to my XXXX. I want this removed off my credit reports please.
Product: Credit reporting or other personal consumer reports

Transunion continues to report the following collections inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX