23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been struggling to pay our mortgage payment through the pandemic. Triad Financial Services has been horrible. They harass us and ask personal questions, as well as, criticize us because we are late paying because of our circumstances. They are unwilling to help and work with us. They just use threats and harassment to communicate with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a line by line reinvestigation of all of my accounts. I don't see how you could have missed the fact that these accounts are both open and closed. How can that be possible, and because of this oversight, I want these accounts deleted asap. As you know In Accordance With the Fair Credit Reporting act. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXX Incorrect names : XXXX XXXX XXXX, and XXXX XXXX. Incorrect phone numbers : ( XXXX ) XXXX, and ( XXXX ) XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-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. These accounts are inaccurate and must be deleted.
Product: Mortgage

I lost my job due to Covid-19 and am waiting to get on unemployment ( for the last month ). I saw that my mortgage company Amerihome mortgage was offering forbearance as mandated by the Cares Act. When I inquired about how they could help me I was told that they are ONLY offering the mandated forbearance for 3 months with a balloon payment due on the 4th month. I don't understand how anyone could afford to pay thousands in order to catch up. I asked about deferments and they aren't offering them. So really there is NO relief and it really isn't fair. President Trump said no one could be penalized but the mortgage companies have found a way!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 instruction.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was scammed out of my money around XX/XX/2023 ; for an XXXX  I never even received keys for. I put XXXXXXXX XXXX  as a deposit, I had been calling them for over a month & a month later the apartment complex calls me to tell me that the tenants are not moving out. They also stated that I wouldnt get my money back because it had been so long, but they were breaking the law anyways. Theres no way you knowingly have tenants apply for an apartment that is an already occupied. Upon me requesting to get my money back, they tried to move me into an even more expensive apartment, which I declined. They then charged me XXXX $ for an apartment I never stepped foot in, I called the property manager and she was very unbecoming & XXXX. I took a major loss last year because of them, I was almost homeless due to their unprofessionalism. I just wanted my money back so I got in contact with chime, unfortunately you guys failed me as well. I do have all the documentation of the event.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has written to me informing me that they are unable to authenticate my information and can not remove inaccurate reported XXXX. They have received all of my information and maintained it on file. ( Please see attachments ) On XX/XX/XXXX, I opted out of their data sharing of public facing records and on XX/XX/XXXX, I suppressed my information. On XX/XX/XXXX, I had a security freeze placed on my records and XX/XX/XXXX, I opted out again from Identity theft. The request were made prior to the bankrupcy reporting. The bankruptcy was reported to the agencies in XXXX of 2022. 

This Lexis Nexis as an organization has been sued for violating consumer rights and continuing to provide information that is inaccurate. They are not in compliance with the FCRA. Their inaccuracy in reporting a bankruptcy that never took place has damaged me and inhibited me from getting credit. I have written to them multiple times and opted out of their data sharing of my personal information with third party agencies. When you opt out, you are requesting to not have personal information sold to a third party, they continue to report this inaccurate information. 
The Bankruptcy Courts have informed me that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other THIRD PARTY PROVIDERS who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Per Federal Credit Reporting ace, Section 609 ( a ) ( 1 ) ( a ), a corporation is required by federal las to verify through physical verification of original signed consumer documents, contracts or judgments all accounts and public information that you post on anyone 's credit report. 

My inquiry to the U.S. Bankruptcy Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I am demanding all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : 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  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit card

I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy??
Product: Vehicle loan or lease

I bought the car brand used and had a two-year warranty on XXXX, but the car inly ran for about to good days and started XXXX XXXX XXXX XXXX I had to put XXXX  in the car every time I moved it. So, I called the dealership to XXXX XXXX XXXX in the car and they gave me the run around and I got tired of trying. Even though they didn't own up to the warranty i still was paying my car note until I couldn't afford it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX  rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - ExperianXXXX  - ExperianXXXX - XXXX and ExperianXXXX XXXX - Experian and XXXX XXXX  - XXXXThese accounts are a result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1681 ( a ) ( 1 ) CONGRESS MAKES IT CLEAR THAT THE BANKING SYSTEM IS DEPENDENT UPON MY CONSUMER REPORTS BEING FAIR AND ACCURATE TO ME. MY CONSUMER REPORTS ARE IN FACT NOT ACCURATE OR FAIR. XXXX, EXPERIAN AND XXXX HAS PRACTICED ILLEGAL AND UNFAIR REPORTING METHODS BY TAKING INFORMATION FROM ALLEGED CREDITORS AND DEBT COLLECTORS PROCEEDED TO REPORT THIS INACCURATE INFORMATION WITHOUT MY CONSENT OR CONSULTING WITH ME TO CONFIRM OR VARIFY IF THE INFORMATION WAS ACCURATE OR NOT. IF YOU DO NOT DELETE THESE NEGATIVE, UNAUTHORIZED, ILLEGAL TRADELINES FROM MY CREDIT REPORT IMMEDIATELY I WILL NO LONGER EXTEND MY CREDIT TO ANYONE OR DO ANY BUSINESS WITH YOUR COMPANY. I XXXX XXXX XXXX AM THE CONSUMER, CREDITOR AND NATURAL PERSON AND I EXERCISE MY RIGHTS GIVEN TO ME BY THE MOST HIGH XXXX  AT BIRTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMSHER COLLECTION SERV, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, AMSHER COLLECTION SERV, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my XXXX XXXX  report and on my trans union report it showed that my XXXX lon account was removed from the report. I just recently opened a loan and my payments are in time and up to date, the XXXX XXXX  representative advised me to file a complaint here.
Product: Student loan

I received notification from MOHELA that my student loans were put into a forbearance on XXXX XXXX, XXXX as a result of the XXXX injunction. In the letter from MOHELA it stated, We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least XXXX  days before your next monthly payment is due. XXXX days later, on XXXX XXXX, XXXX, I received billing due date for XXXX XXXX, XXXX without any notification about the forbearance ending. It is XX/XX/XXXX and I still have not received notification that the forbearance has ended. 

I currently have my loans pending for the XXXX program and should not be receiving any bills during the injunction. 

When I have attempted to connect with a MOHELA representative over the phone, the auto-recording states, " for borrowers with pending XXXX applications and borrowers enrolled in the XXXX plan, MOHELA is working to place your account into a forbearance. Placing you into a forbearance will take time and we will notify you once this has been completed. In the meantime, you may receive notices from us regarding making your monthly payment. Please disregard those. '' My account says that I am currently past due on payments and have over {$1700.00} due in XXXX. This is not a doable amount for me to pay. I am a non-profit employee and this is nearly 50 % of my monthly income. 

I have been enrolled in XXXX and have XXXX payments remaining until I have completed my XXXX payments. 

Via email, I have asked MOHELA to respond to the following questions : XXXX. Has my forbearance ended? 
XXXX. Do I currently have a balance on my account that needs to be paid? 
XXXX. Will my XXXX eligibility be impacted by this past due payment? 

I have tried calling and discussing with a MOHELA representative multiple times now and can not get in touch with a representative. XXXX time I waited XXXX hours to talk to a representative, connected with a person who confirmed my contact information and then asked to transfer me to another person. When transferred, I was told this wait time would be another XXXX hour wait. This is unreasonable. I am doing everything in my power to manage my student loan payments appropriately, but this system is ineffective for allowing me to manage my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  completed a background check ( consumer report ) and there are 2 addresses in the report that are not mine.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. Im providing you with a IRS TRANSCRIPT PROOF That I am the Power of Attorney over my finances and accounts, which serves as and affidavit. I need all accounts XXXX  out immediately. They have been taken care of cause I have the 1099 ( s ) thats been approved by the IRS THE DEPARTMENT OF TREASURY! There should be no Corporation ( Dead ) entity reporting on my behalf without my consent! If EXPERIAN, XXXX, XXXX are reporting information on my credit report without my consent they will be sued for defamation of character. I will include : 56 IRS FORM, My Transcript to prove my POWER OF ATTORNEY ( POA ) on file, XXXX XXXX XXXX, as well my COPYRIGHT ( AFFIDAVIT ) ON PUBLIC RECORDS TO PROVE NO ONE SHOULD USE MY ESTATE NAME WITHOUT MY CONSENT! I want this issue handle in 10 days. Under penalty and perjury they need to rebut affidavit and if not the AFFIDAVIT STANDS AS TRUTH! This will be proof of evidence I will report to the IRS THAT I GAVE XXXX, EXPERIAN, XXXX a fair chance to handle this matter.
Product: Debt collection

Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within 4 business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}. Please delete.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA.

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Product: Credit reporting or other personal consumer reports

Recently i lookd at a copy of my credit report and noticed several inaccuracies on my account. 
this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you to verify as accurate DEPT OF ED/XXXX  Balance {$1100.00} Balance updated XXXX XXXX, 2024 DEPT OF ED/XXXX  Balance {$810.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX  Balance {$1200.00} Balance updated XXXX XXXX, XXXX  DEPT OF ED/XXXX  Balance {$2300.00} Balance updated XXXX XXXX, XXXX  I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named EOS CCA was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of XXXX {$1400.00} XXXX that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
Product: Vehicle loan or lease

My lease was originally purchased, XXXX, XXXX. The lease was set to expire XX/XX/XXXX and Chase offered to provide me with a voluntary pre-turn in inspection. I opted to have the pre-lease inspection completed and it was done on XX/XX/XXXX. The report indicated that the wheels were scratched and the tires were worn and there were numerous minor scratches. I had the wheels repaired and two of the four tires replaced and paid for the transaction on XX/XX/XXXX and turned the car in the next day slightly under the mileage, but a month early of which I paid the full lease payments. 
A couple months later I received an invoice for repairs on the vehicle. The bills were all based on the pre-turn in inspection report. I asked the company for their post-lease inspection report, they said that they did not do a post-lease inspection and wanted me to prove that I had the repairs done. I sent them the credit card payment I made to XXXX  XXXX in XXXX XXXX, CA for the repairs and send them a signed letter indicating what repairs had been made. They asked me for a itemized receipt for the repairs but I could not provide it for two reasons. 1 ) I left my only copy of the itemized receipt in the vehicle when I turned it in. 2 ) XXXX XXXX in XXXX XXXX, CA changed management and are unable to provide me with an itemized receipt. I think it is very unfair that Chase would try to charge me for repairs that I already made and since they did not have a post-inpection lease I think it is also unfair for me to have to prove that I had repairs made to the car. Their post-inspection analysis should tell me what repairs need to be made, not the pre-inspection. Please help! I don't want to have to pay for repairs twice and they are holding my credit hostage!!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX opened XX/XX/2022 without my knowledge. When I notice this card i closed this account but its still in my credit report and hurting my credit.