23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a foreclosure notice from the mortgage company. I called them and they stated that I have a foreclosure date on XX/XX/XXXX and I need to pay the full amount due to reinstate my loan. They offered to run my information for a loan modification which would require a 3rd of the amount of the reinstatement amount as a down payment if it is approved. They also advised I would receive a call and email from my Representative to let me know the progress. I did not receive the email, mail or a phone call. I called again and spoke with XXXX on XX/XX/XXXX who then told me that the Foreclosure was cancelled and that she was setting me up for a repayment plan and I would receive the information in an email. I still have not received anything. So I called again today and spoke with 3 different representatives, who told XXXX is out for the next few days, but that a repayment plan is not available. They all confirmed their is no sale date but no other information matches and they will not send me anything in writing. I need to know if my house is on the foreclosure list and I need the sale stopped. I need this loan charged off and the deed to my house. I am willing to settle but I deserve the truth. I have a family and I can not be out on the street because a mortgage is playing games with my life. Mortgage Company Specialized Loan Servicing
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability a
gainst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and saw a fraudulant hard inquiry. I need them removed immediately.
Product: Debt collection

This complaint is in regards to debt collection efforts being made by a collection agency called Accounts Control Technology.This company without notice began garnishing 25 % of my substitute teacher pay every period since XXXX XXXX. My income as a substitute teacher does not meet U.S. poverty standards my pay is only {$80.00} a day. The company states they are part of the Department of Education. To explain further Accounts Control Technology garnished my check without notice. In addition they only notified my employer about the garnishment. When I contacted them by telephone they were very rude and hung up on me. Not being allowed to dispute the debt prior to garnishment has caused a tremendous amount of emotional distress. It is my understanding that my employer was told not to give me any written information about this matter in spite of my calling and providing written notification requesting a copy of the notification sent by Accounts Control Technology. Most important Accounts Control Technology grossly and falsely overstates the amount of the debt that is allegedly in default. Finally I am experiencing sever financial hardships and am suffering from the impact of the actions of this company. 

In closing I really need help in approaching these people because they wo n't budge and it does n't seem to matter what problems it causes me or that I may have to resign from doing my lifes work because of this. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

BankruptcyXXXX  Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When PNC takes BBVA they never care about BBVA customers, they create an Escrow account in my mortgage account when for the last 10 years there is non. 
They start charging me with out my authorization an Escrow I never asked for, and after paid them the amount they told me I owe the Escrow account stills there when it supposed to be deleted, canceled or disappear, PNC is n'the worst bank customer service I has experienced
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion directly @ XXXX. The Agent on the phone was unable to help me after identifying myself. Then their supervisor came on the line and advised me to contact a third party XXXX XXXX  in order to obtain a copy of my Transunion Credit Report and Score. I insisted on reviewing my Transunion Account directly with Transunion not a third party. After providing them with all of the information they requested the Supervisor then had me log into a different site that brought me to their site. I followed the instructions and obtained a new account log in user name and password. Upon reviewing the information on the report it appeared to be incomplete and there was no credit score. The agent said that I had to pay Transunion in order to obtain my Transunion Credit Score. I want my score for free as is my legal right at this time and in the future when I log into my Transunion account just like I am able to with the two other Consumer Credit Reporting Agencies XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

My info was in experian data breach my info was in housing authority of city XXXX XXXX data breach ( hacla ) info in to data breachs I submit dispute yet they fail to take off and the info not correct the fail to investigate
Product: Debt collection

Signed contract in XX/XX/XXXX with XXXX attorneys for Portfolio Recovery Associates for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly Portfolio is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices which violates the CFPA.

Cash App failed to protect its users including me from fraud leaving my account and personal information unprotected. Furthermore their dispute resolution process was not fair and deceptive as they did not comply with EFTA and regulation E. These actions has caused financial loss and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditors XXXX XXXX XXXX XXXX XXXX and RC WILLEY FURNISHINGS keep reporting accounts to my credit report that I have already paid off and are all XXXX  out. Please delete these accounts off my credit report and cease all reporting activities
Product: Debt collection

Mr. Cooper ( formerly Nationstar ) did not provide 15 days notice before transferring the servicing of the loan to XXXX XXXX XXXX XXXX XXXX . Prior to this they made false claims regarding our payment history and refused to provide information in relation to a making home affordable loan modification. A qualified written request was sent to them and delivered on XX/XX/XXXX, to address these issues. 

We have requested detailed information regarding the servicing of this loan since XX/XX/XXXX to the present to determine what the accurate principal balance should have been at the time of the transfer of servicing on XX/XX/XXXX, and what amount should be in the escrow account. Nationstar failed to respond to that QWR and we are notifying the new servicer of the existing problems with the servicing of the account. 

We have documentation to demonstrate the failure of Mr. Cooper to address our concerns regarding the application of payments to the proper accounts ( principal balance and escrow ).
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX CASE # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. Under which they have violated my consumer rights multiple times. I demand the accounts listed below be removed According to 15 USC 1681 which states : I have the right to privacy and I did not give Equifax written permission to furnish these 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

I finally received the report on XXXX XXXX XXXX. Neither me nor the bank understands what the report means, or why I have a low score. Nothing in the report indicates why I would be a high risk client for a checking account. 
I would like my record to be completely expunged from ChexSystems by no later than XXXX XXXX, XXXX ( 30 days since requesting the report ). If not, I will be forced to hire a lawyer to investigate ChexSystem 's compliance with the Fair Credit Reporting Act, and file a dispute for each false claim by ChexSystems.
Product: Credit reporting or other personal consumer reports

In the attachment you will see that the " date opened '' dates on this account [ XXXX ] with XXXX XXXX, as well as the " date last active '', show discrepancies. These inaccuracies are causing a negative effect to my credit report.
Product: Debt collection

I don't recall having a contractual relationship with CREDIT MANAGEMENT LP Account Number : XXXX.
Product: Debt collection

Jefferson Capital continues to mail collection letters to my home for someone that does not live here, despite my repeated requests to stop. I have written, return to sender on all first class communications sent to my home, in addition to contacting them over the phone ( didnt record date because I didnt think I needed to but will do so next time for future complaints ) to advise that this person does not live here and requested for it to stop. Ive even offered an address over the phone during this conversation and the rep refused to take it ( which is weird because a third party CAN provide location information to a debt collector regarding a debtor ). They completely disregarded my request and continues to harass me and it needs to stop. Lettering is expensive so I dont even understand why they continue to waste money on letters to my home when they can easily send these letters to this persons actual home. Its almost as if they prefer to send initial debt val letters and subsequent letters to the wrong address to avoid a consumer from disputing it in a timely manner.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led 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 hard inquiries that I never authorized, such as XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

Account was settled in full on XX/XX/2020. Posted on XX/XX/2020. Was told on a recorded line ( I also have the audio recording ) that the trade line on my credit reports from XXXX XXXX would be requested for deletion within 30 days from posted date ( XX/XX/2020 ). Thirty days was XX/XX/2020. Contacted the company on XX/XX/2020 and was told something to the effect of, " I'm not sure why but the system is showing your account was not closed until XX/XX/2020, therefore our tradeline deletion request from your credit report will not be requested until XX/XX/2020 ( 12 days after the agreed upon date ). 

The customer service representatives attempted to elude my questions and XXXX XXXX ( Executive Operation Manager ) initial refused to transfer me her supervisor despite my multiple request.
Product: Mortgage

My mortgage is served by Chemical bank and after filing for bankruptcy the have begun reporting that my payments were not made even though they have been. I believe they are doing this to prevent me from rebuilding my credit even though I have not missed a mortage payment ever. I feel this is unfair and believe something should be done to stop this for me and everyone else.
Product: Debt collection

Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX  Reference Number : XXXX To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. 
If you are not able to provide proof of the re-investigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information. 

A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the XXXX responsible for maintaining the account. 
Case law : 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

I never received a verification of the debt. I have requested validation verification of the debts without any respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to Experian they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX and XXXX  has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give equifax, XXXX  or XXXX  my permission to report said account.nor was i notified that this account would be posted to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX  Fraudulent account XXXX XXXX open XX/XX/XXXX Amount XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX on my credit report is reporting to Experian that it is a Mortgage. That is not correct. This account is simply an installment loan. Due to this reporting, I am having trouble getting an actual mortgage through XXXX XXXX and XXXX XXXX. Please contact XXXX XXXX and have them change this account to an XXXX XXXX. Attached is the Promissory Note that shows this is NOT a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

A payment was made to the account from an external bank account. The payment was rejected due to a name mismatch. However, the credit card company improperly noted that the payment was rejected due to insufficient funds. An email communication was improperly sent out in regards to this matter suggesting the payment was returned due to insufficient funds when we already spoke with a telephone representative and was advised the payment was rejected due to a name mismatch. The email communication and the account should reflect the proper reasoning for the payment being rejected. A proper email communication should be sent out with this correction.
Product: Debt collection

In XXXX, I downloaded a casino app called, XXXX  XXXX XXXX After giving all of my bank information and cards, for their deposit & withdrawal methods, I noticed unauthorized transactions. My bank did an investigation and deemed that someone stole my money, they gave my money back.I believe this is the money that they are trying to get back from me. They hired a 3rd party debt debt collector named, TRS RECOVERY SERVICES. I explained this situation to them as well and sent a copy of my bank statement. Im waiting to hear back from them.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX