23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I received my complaint response from RELIANT LLC, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service. 

I also see were it states that Reliant is NOT reporting to the credit agencys. What do you mean exactly? Do I pay RELIANT, and then you report to the agencys that it is paid for?

Yes I did speak with a person who is a representative ( 1 ) time from RELIANT. When you say ( 3 ) times to my line from RELIANT in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call.

I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from XXXX XXXX and also including RELIANT. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of RELIANT LLC letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once? 

I am trying to work with you to get this resolved in the best way possible. 

Can you tell me what I can do to make Mende meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX ACCOUNT Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 instructions
Product: Credit card

Chase closed my oldest credit card account. Never had any issues with chase ever before, I loved banking with them. I recently had a dispute with an over seas merchant where I returned the merchandise and I provided tracking. But chase rebelled my account so I called multiple times to ask to re open the case and now its showing as XXXX disputes for the same item on my account, so maybe that alerted the algorithm or something but Im so frustrated because I provided all documentation. I did everything correct. I had another dispute with a merchant who didnt even send the goods and the tracking shows returned to shipper still waiting on a resolution. Im so disgusted with chase right now. They said I opened too many disputes recently. I have paid my card multiple times in big amounts this past year and was using it for big purchases. But for every dispute I have proof and documentation. I thought it was safer to use my credit card because of the perks of having extra protection. But now they closed my account. And when I try calling back the person whose in charge of my complaint they dont answer. Its so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection that had been raised against me by a creditor that purchased my original debt from XXXX. In XXXX and XXXX the case was presented in court, and in XXXX my lawyer presented a motion to quash and the case was dismissed by the judge. Following these events, I requested both XXXX and TransUnion to update this information on their credit reports because it was negatively affecting my credit. XXXX obliged and my credit now reflects the fact that the case was dismissed, ergo my credit is healthy as per their reporting. On the other hand, TransUnion has failed to remove this from my credit report even with multiple, consecutive requests to do so by submitting supporting documents/evidence of the change of status. I have requested TransUnion to update my account XXXX times now. The first XXXX times they processed the request and didn't change my report. The last time I reached out, I once again requested they update my account and stated that if they were unable to oblige that I would have to file a report with the CFPB. They did not change the status of my credit on their report, and this is currently negatively impacting my credit. TransUnion has demonstrated negligence in mending their report of my credit.
Product: Debt collection

o My wife opened this account over 15 years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX, Texas in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a XXXX. 
o I XXXX for 8 years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX, o I have XXXX. 
o We both take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls XXXX XXXX refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report as of today reporting Springleaf Financial account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for Springleaf Financial to present a debt not owed by me from the original creditor XXXX, Springleaf Financial reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Midland credit management has served me with a summons on a XXXX credit card that has been charged off my credit and never notified me about the collection at all.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. These accounts are fraudulent and must be expunged from my credit report without delay : XXXX XXXX  XXXX & XXXX XXXX XXXX - XXXX
Product: Student loan

I have a Parent Plus loan for my child, and she is enrolled full time at school. I got a text notice that the payment is past due on XX/XX/XXXX. I contacted MyFedLoan.org about the incident and they said they were in process of updating the enrollment status and that I wouldn't need to worry about it. 

Finally, when the payment was 29 days past due according to their records ( XX/XX/XXXX ), I made a payment so it wouldn't affect my credit. I contacted them again on XX/XX/XXXX to check on the status of the enrollment update. They said it would take up to 10 business days to update my records ( per an email response I got ). 

I sent my next regularly scheduled payment on XX/XX/XXXX for my legacy  student loan, with additional principle payment included, and received today ( XXXX ) another notice that I am past due. I logged in and found out that they still have not updated the enrollment status. I have a screen shot showing that I am both paid ahead, and delinquent on my account. 

I let them know that I would be contacting the CFPB if they didn't fix it last time, and since it's still not fixed, now I'm ensuring action is taken via this request.
Product: Credit reporting or other personal consumer reports

It is saying I have {$5000.00} in debt on my credit report when I already paid it off
Product: Mortgage

I was working with a licensed broker named XXXX XXXX at Carrington Home Mortgage, who absolutely did nothing to help get a loan approved for a home. They pulled my credit using a 3rd party service called XXXX XXXX. They informed that based off the scores they received they would not be able to help me because i was below a XXXX FICO score. However XXXX XXXX pulled my credit on XX/XX/XXXX and presented me in writing a FICO of XXXX and on XX/XX/XXXX XXXX XXXX provided me a credit score from XXXX of XXXX. I had documentation that needed to be forwarded to all XXXX credit bureaus that show where i have satisfied some judgements and tax lien so that they can reflect properly. I faxed those to XXXX XXXX on XX/XX/XXXX and of course on XXXX/XXXX/16 they still were not faxed. This is not acceptable. If she was a good broker, then she would be working diligently and extra harder to help get financed. I also am disputing the credit scores that they obtained from a 3rd party, they are not correct and need to be investigated, since XXXX 2016 any letter of credit denial or current credit all have sent me in writing scores above a XXXX. They are not willing to work with me with the scores that other creditors are producing. I am bringing this matter forth to the Federal Housing Authority to determine whether or not discrimination is playing a role in such decision. Of course, on XXXX/XXXX/16 i got a biased response from XXXX XXXX, XXXX, basically advising im in the wrong and his company is in the right by following all laws and guidelines. This is not a reputable organization and needs to have a site audit performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to have several loan applications processed because my Transunion records are frozen. They put me on hold and don't answer. Their website has locked me out and won't accept my password because I am no longer a subscriber. I have not received a response to my email. They are deliberately holding my records hostage until I resubscribe. I am trying to obtain a loan ( with a FICO score over XXXX  ) to pay for services that will help me service the current COVID-19 crises. Transunion is preventing me from saving my life with appropriate, high-quality health-sustaining equipment.
Product: Mortgage

I applied for a loan modification about XXXX4 months ago and after going back and forth with the loan servicer penny mac i received a trial loan mod in the mail, so after reviewing it i asked penny mac to explain the calculations in determining the rate and payments on the loan modifications, but i decided to ask a third party loan modification auditor to review the information and they discovered some mis calculation on the file and there recommendation was for me to appeal the trial loan mod, so i contacted penny mac and rejected there offer and about 2 weeks later i received a sale date on my front door, which is out of compliance with the XXXX guided lines it clearly states that have the right not to accept the servicer loan mod offer or i can appeal it, loan servicer can not just expect me to take what there offering or leave it, if its not an affordable loan payment
Product: Credit reporting or other personal consumer reports

Hi I notice some unauthorized inquiries account installment loans car loans collections and XXXX  loan on my account that not mines an thats not accurate and are paid off and by the FCRA I would like them removed or pay and pay as agree XXXX  XXXX XXXX XXXX paid off but have late payments never missed and 15USC 1681 A, 2, a, I, Late payment XXXX  loan thats not mines in I want them XXXX XXXX XXXXved or pay or pay as agree XXXX XXXX XXXX XXXXXXXX {$7400.00} {$4300.00} {$1400.00} DEPT OF EDUCATION/XXXX  XXXX {$6200.00} {$4300.00} {$4700.00} {$1200.00} {$39000.00} {$930.00} {$7700.00} {$5400.00} I also have XXXX collections thats not mines want they remove off my credit report XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX All 3 were attempts to open credit cards in my name. All 3 got flagged by the establishments they tried to go through as fraud. All 3 were unsuccessful in opening the credit cards in my name thankfully. I was able to get the above removed from my XXXX credit report through online dispute. The other 2 credit bureaus require paper mailing ( which is archaic and stupid ), but I assume I would get the paperwork from the FTC.
Product: Checking or savings account

XX/XX/2022 was given checks for doing work for a side job. Checks were found to be fraud and fake My account. Was closed at chase as a result. Tried to open XXXX  XXXX XXXX account on line I opened and deposited XXXX then received letter they closed account Letter states I may not be able to get a bank account in five years I can not locate the person who gave me the checks I
Product: Checking or savings account

On XX/XX/XXXX, I noticed there were 18 withdrawals from my account which I did not make. Citibank texted me asking me if I made one withdrawal not 18 and they let this go on for four hours during the night. I contacted them and told him I did not make these patrols, they investigated and they said I did you can see I didnt because the phone number in California where I am in New York and my credit card never left my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 s

ection 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX RE : Trafficking Block Request To Whom It May Concern. 

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

XXXX XXXX : Open XX/XX/XXXX XXXX XXXX : Open XX/XX/XXXX XXXX XXXX  : Open XX/XX/XXXX XXXX : Open XX/XX/XXXX XXXX : Open XX/XX/XXXX XXXX XXXX XXXX  : Open XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX : Open XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Open XX/XX/XXXX XXXX XXXX XXXX : Open XX/XX/XXXX XXXX XXXX XXXX : Open XX/XX/XXXX XXXX XXXX XXXX : Open XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Open XX/XX/XXXX XXXX Block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited to this matter. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX  XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX, LA XXXX 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 sent reports to Equifax, XXXX and XXXX. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

This is in regards to my mortgage servicer PHH Mortgage. They have used this company from Texas called XXXX XXXX XXXX to enter my home and break in. The home is not yet foreclosed on. They went to verify occupancy. It is a XXXX home in XXXX so there was no food or clothes anywhere. I contacted them and the XXXX Attorney General. The result of that was that they just wanted to see if it was occupied. They have also put XXXX signs on my door saying the property is managed by XXXX XXXX XXXX. The home is also on private property. The property has not been transferred over to them so they do not own the property. They also transferred the property to us with a defective deed. They also told me they could n't produce any paperwork as to who owns the mortgage. This is in XXXX XXXX XXXX and the case number is XXXX XXXX. Is there a way you can look into this and see if this is legal. 

Thank you for your help
Product: Credit reporting or other personal consumer reports

Equifax continues time and time again to report erroneous information in my consumer credit report. Listing each erroneous account below : 1 ) XXXX XXXX XXXX. EQUIFAX is reporting late payments from XXXX and XXXX of XXXX and also from XXXX XXXX XXXX. This account is reporting CHARGED-OFF with a past due balance of {$2600.00}. How can this account be charged off AND carry a balance? This account reporting violates SEVERAL FCRA laws as follows : FCRA 15 USC 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan there a late for ANY PURPOSE. 
FCRA Section 623 15 USC 1681s-2 Responsibilities of furnishers information. ( 1099c ) which has NOT been provided. 
FCRA 15 USC 1681 ( I ) verifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a leased XXXX vehicle XXXX/ 2019 and received a bill dated XXXX/XXXX/2019 on XXXX/XXXX/2019 stating amount due for disposition fee and damages {$1100.00} due by XXXX/XXXX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XXXX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from XXXX XXXX XXXX/XXXX/2019 in the full amount of {$1100.00}. I called XXXX/XXXX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to XXXX XXXX I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to XXXX XXXX but could not remove the delinquency and suggested contacting CFPB.
Product: Checking or savings account

Hi - My bank authorized $ XXXX to be taken out from my account on XX/XX/22, the teller obviously did not make proper questions nor screened the individual before giving away the funds. I have possession of my debit card and pin as well as my driver license and I can not imagine what was asked to identify for this transaction. Besides the monies withdraw was in an are where I have never been before.