23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I discovered on my annual credit report, incorrect information on my credit. This is a result of Identity Theft and need to be removed ASAP! please have the following removed ; XXXX XXXX XXXX amount : {$830.00} opened : XX/XX/XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX CCS Collections original creditor : XXXX OPENED XX/XX/XXXX This reporting incorrectly on my credit due to identity theft and has affected me in so many ways for my career and being able to buy a home for my family.
Product: Mortgage

Mr. Cooper has been harassing me with automated phone calls that demand I contact them " Within 24 hours '' while also making it impossible to reach a person. The automated system was giving me information that does not match what I was told when my loan was transferred. I needed to talk to a person to verify the information. Both the phone and chat systems told me that there was no one available to talk to every day for a week, while I was still receiving the calls saying I must contact them every day.

When I was finally able to reach a person on the XXXX  day of trying they made no effort to solve any of my problems.
Product: Checking or savings account

I attempted an ATM withdrawal of {$700.00} on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX , CT XXXX drive-tru ATM. ATM ID # XXXX Serial number on receipt XXXX. No cash was dispensed, the ATM machine was making a clicking sound. Afterwards I made an another attempt and the same issue occurred. I received an email receipt of the withdrawal of {$700.00} and it appears on my online account as well. I filed a claim with Bank of America ( claim number : XXXX. I received a mail from the bank on XX/XX/XXXX stating my claim was closed and the cash was dispensed properly and no error occurred. This letter has a phone number " If you would like to request copies of the documents we reiled on to reach this decision, please call us at XXXX '' I called this number twice and was able to talk to representatives however they refused to provide the mentioned documents and the written results of the investigation. This ATM location has multiple cameras. On the recordings they were supposed to see what happened and I even signaled to the customer behind me about having issues with the ATM.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

States that I have a mortgage in my name and unsure on whether or not it may possibly be a loan to purchase a home. It's on my credit report and is based from the state of XXXX. I reside in XXXX  and I e had my purse stolen and my purse had my social card my I'd card that was issued in XXXX  when I had turned XXXX and my original birth certificate. I have alot of unauthorized loans and collections that are seriously come to my attention. As of today and the past five years since my purse was stolen I've have had no ID nor able to replace my birth certificate and nor my sec replaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurate information reported ranging from amount owed, status and account numbers across all 3 bureaus.
Product: Mortgage

XX/XX/2019 Loan Depot - With an approved / signed Loan Estimate with Loan Depot, a last minute change made to the closing documents that was not communicated to the borrower when closing documents were signed an hour later resulted in the borrower losing approximately 9,000.00. This error was not discovered until after the three-day grace period and Loan Depot is not willing to work with the borrower to resolve the issue. There is an ethical issue when a significant financial change last minute to closing papers are not communicated to the borrower, making this over-sight seem an intentional act when the borrower would not have moved forward with the loan - especially when Loan Depot has stated in writing this was an error on their part.
Product: Credit reporting or other personal consumer reports

My report includes unapproved hard inquiries. Requesting their removal per 15 USC 16c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681aXXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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 informations Accounts : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan had problems paying them back. XXXX XXXX has been allowing me to extend the loan and paying them back. I did a settlement plan with them for XXXX per month. In XX/XX/XXXX I asked if I could split the payment every to weeks. Which they agreed for the month of XX/XX/XXXX. 

I called today requesting if I could split once .again due to my financial circumstanes- I was denied. They have my checking account number and even offered my debit card information. I askef for a supervisor to plead my case. 
I simply asking to split XXXX every two weeks in which I get paid. I'm a XXXX with a XXXX XXXX and need medications to survive! Please help!!! 

XXXX
Product: Mortgage

We first submitted our first modification application with the assistance of the housing counseling agency XXXX XXXX XXXX , XXXX We submitted a complete package on XX/XX/XXXX for  the HAMP modification before the XX/XX/XXXX deadline. Then for the next 3 months they asked us questions about the income. On XX/XX/XXXX we submitted a Profit and Loss statement for our XXXX Income. Then they asked us for a monthly profit and loss statement which we submitted on XX/XX/XXXX, which was within 7 days of being requested. <P/>Ok then we submitted a new profit and lost that included the first quarter of XX/XX/XXXX. Then they told us they did not understand that the XXXX Income was Income. Then they said that we had to submit a new package due to the age of the information. We submitted a new package only to be told that we now are not eligible for the HAMP modification because it is after the date. <P/>We believe SPS held out the documents just so we could be outside of the HAMP Modification guidelines and deadlines. We are being pushed out of our home because we can not make the back payments. We can make the current payment but we can not make double payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.
Product: Mortgage

On or about XX/XX/XXXX I received my Loan modification documents for review. They bare a space for my ex-husband to sign his name. I Contacted Carrington and was advised to provide a copy of my divorce decree or a quit claim deed. I was told once either item was received they would re-issue the documents in my name Only. After several emails, I was advised that the divorce decree was not sufficient. Ive been asked if I could provide a quick claim ID as I was previously told. Two reps Told me that I could and one rep told me I could not. Another agent told me to just send what I have and that I had until XX/XX/XXXX to do so. I told them my documents had a date of XX/XX/XXXX and was advised to ignore that date. They showed all the XXXX in the system. 
In the meantime, I asked to speak with their collections department because I am only behind XXXX month and had completed all of my trial payment on time. 
I was in advised that I have an unapplied payment from XXXX that is just sitting waiting to be applied to my account so each payment that I applied after XXXX was applied to the previous month. Still can not explain how I am XXXX months behind when I am only missing XX/XX/1924, they also told me I could not make a payment on the account unless it was a full balance due because I was over 90 days past due, despite them not being able to confirm nor apply the unapplied payment to my account. 
Per my loan documents received, It states that a quit claim deed is Sufficient. I provided a copy of my quit claim And was advised that the language on the loan modification Document really means they will accept a quit claim deed for unnamed borrowers. I was told that the agent would send a request to their legal team and have them update the language because it is unclear. My document states verbatim that a quit claim deed is acceptable. I should not be penalized because they did not Construct their document in the manner they needed it to be. As it stands I am very close to the XX/XX/XXXX deadline, Ive provided the documents as stated, And Im still being told it is insufficient. Im going to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Hello - After living approx. for 3 years in an apartment community ( XXXX XXXX ) in XXXX XXXX, Texas, me and my family had to move out in XX/XX/XXXX due to a change in work location by Employer. 

And then after 4 years, around XX/XX/XXXX, i came to know through an automated alert from XXXX XXXX that a new account for {$170.00} has been reported to my XXXX  Credit Report by Debt Collection Agency ( Rent Recovery Solutions ). 

I was never made aware of this balance. 

I paid all my dues while i was leaving the community and also told them to let me know in case there are any. 

I also put my forwarding address and called community office couple of times in XXXX to check if there are any dues but they said there is nothing. 

And then suddenly out of the blue in XXXX ( after 4 years ), i see this alert in XXXX XXXX which is affecting my credit history and mentally disturbing for me and my family and is adversely affecting my personal and family health. 

I called Rent Recovery Solutions and XXXX XXXX   couple of times few weeks back to check what is this balance about and why i was not made aware of it in XXXX but i have not yet received any details. 

I dont have any email ID for Rent Recovery Solutions but i do have for XXXX XXXX so i also documented my concerns in an email to them which i will attach to this complaint as well. 

Request CFPB to help me out to resolve this and get this removed from my Credit History.
Product: Debt collection

This is not my debt. It was sold to company after being removed from my report previously.
Product: Vehicle loan or lease

A month before my lease ended, I traded in my XXXX XXXX XXXX to XXXX. XXXX paid off the remainder of the car to XXXX ( XXXX in XX/XX/XXXX ). XXXX assessed a turn-in fee for {$350.00} ( plus XXXX tax ) on XX/XX/XXXX. I did not return the vehicle to XXXX. Therefore, they should not have assessed a turn-in fee. 
I attempted to contact XXXX using the method they specify on their website ( called XXXX ) during normal working hours - XXXX to XXXX per their website. The automated system said they were closed and offered no other way to contact the company. I found no way in the automated system to dispute the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out multiple of times for paperwork on the sale of the vehicle XXXX XXXX and never received anything to show how much it was sold for or anything this is unfair practice and should be removed from our credit report. This is the 7th year of it showing non payment which means it's outside off the statue of limitations.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our previous attempts, I regret to inform you that this issue still persists. I kindly request that you prioritize the investigation and removal of this XXXX XXXX account with the utmost urgency. It is imperative to take all necessary steps to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the account : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy. I have been harassed by constant and overly obsessive phone calls, text messages, emails, mailings and even pop-up visits to my home. This has caused great distress and humiliation ; I have placed a verbal cease and desist on the file and have declined any debts Portfolio Recovery has stated that I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX 5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 )  XXXX XXXX
Product: Vehicle loan or lease

Talked with company, told the situation company contacts me on my cell but is now calling my work number. This is federal government number. All calls are monitored and recorded through my work line. We are not to receive or make calls out side of work at work. Contacted on XX/XX/2017 at XXXX. They can not call my work number leaving voicemails. I have a cell phone number it is XXXX. I have spoken with them and they know my phone number.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini a few months ago to buy crypto. I funded the account with my bank via electronic transfer. I transfered about {$14000.00} in total into XXXX. When I went to withdraw the funds to my wallet, they denied the transaction and consistently delayed and misdirected, requesting ridiculous additional ID verification, questions, etc. I soon realized they were just delaying and had refused to allow me access to my money, effectively stealing it. My correspondence with them is under Ticket ID : XXXX in their system, however they refuse to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not provide me a notice at all, especially within 5 days of changing my late payment history I disputed in early this year. My dispute asked them to update all late payments regarding BOTH of my DEPTEDXXXX accounts. They updated all late payments to paid as agreed and then they switched it back to late payments. This is violation of the FCRA. Additionally, XXXX is being shown as a collection that was last reported on XX/XX/2017. This indicates that they did not investigate after I submitted my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, Experian and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law. 

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and XXXX XXXX XXXX ( {$2000.00} bill ) - Experian and another miscellaneous account XXXX XXXX ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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

Fraudulent information pertaining to XXXX XXXX information is being held against me that doesnt belong to me. Wrong person account is fraudulent. XXXX XXXX and XXXX XXXX needs to be deleted from all XXXX credit bureaus