23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite my earlier correspondence, these items have not been removed, and the issue remains unresolved. The presence of these fraudulent entries on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. I kindly request that you escalate this issue and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve this issue would be greatly appreciated. With this, I am asking for your assistance to remove the fraudulent items : 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 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 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 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXBalance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$760.00}
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 
In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? 
Please provide me with the name of that individual, their business address, and telephone number. 
Black 's Law Dictionary, 9th Edition, XXXX defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have XXXX hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX XXXX XXXX  XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX   report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit  Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've secured hard alerts on my credit file but old accounts are still showing on ONLY Equifax. They are the source of my breach and I suspect internal reasons are the cause of my damaging credit still reporting. 

Law enforcement has been notified, my lawyer as well as other agencies already corrected this old issue. 

This will be handled to the fullest extent of the law I've provided.
Product: Credit reporting or other personal consumer reports

{$1800.00} Closed my account even though I was paying monthly. I wanted my account to receive recurring payment until paid. 

{$1900.00} I have already made the efforts to handle my balance then was sent to collections. 

XXXX  I wanted my rate to be lowered so I can pay my balance in full each month.
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. 

XXXX # XXXX has violated my rights. 

Creditor. Date XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXF XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/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 XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Have violated my rights.

15 U.S.C 1681 section 602 A. States 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: Mortgage

In XXXX we got a predatory HELOC loan for XXXX XXXX dollars from XXXX, we have since learned that the gentleman who created this loan has a reputation for being unscrupulous. At the time this loan was approved, we didn't qualify for a fully adjustable rate for this loan. This loan was then sold to XXXX XXXX  XXXX, then to XXXX, and now is owned by XXXXXXXX XXXX XXXXXXXX XXXX solely as a legal trustee for XXXX XXXX XXXX XXXX1. This loan is being serviced by Specialized Loan Servicing ( SLS ) who handled all of XXXX loans. 
When the Covid pandemic hit, we filed for forbearance with SLS ( XXXX of XXXX. ) We filed a mortgage assistance application for Specialized Loan Servicing on the recommendation of SLS representatives in XX/XX/XXXX. It has now been 21 months and pandemic be XXXX, we are being charged an average of $ XXXX for the last 21 months. In our view, this is clearly a predatory maneuver on the part of SLS. Their position for the last three months has been " we have not received documents of information not in your control that we require to determine which loss mitigation options, if any, will be offered on behalf of the owner or assignee of the mortgage. We have requested such documents and/or information and will complete the evaluation for all available loss mitigation options promptly upon receiving the documents or information. '' Interest is accrued on top of interest due as a penalty. We are not able to refinance until we pay taxes this year, due to the financial troubles caused by the pandemic and we believe we shouldn't be paying or charged interest on top of interest. SLS is currently giving us a statement saying our past due amount ( due to pandemic forbearance ) is {$110000.00}, Total amount due is {$120000.00} our Credit Line is $ XXXX, and our New Balance is {$620000.00} They are charging approximately {$2000.00} of interest variably per month. We would appreciate any help, advice, or suggestions on how to resolve this situation. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXX  FINANCIAL : account # XXXX Date of charge off : XX/XX/XXXX Creditor name : XXXX XXXX XXXX  account number : XXXX Date of charge off : XX/XX/XXXX Creditor name : XXXX XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX my current mortgage company paid a check as an insurance premium to a company called XXXX using my loan mortage number ending in XXXX ( See Attachment ) headquartered in XXXX Georgia as I have had no affiliation with this company. XXXX had provided the phone number to XXXX which is XXXX. Upon calling XXXX, they explained that they are a property preservation, and inspection agency who receives insurance claims and referred to their account receivables department at XXXX. I have made several attempts to call and after being on hold for several minutes, phone hangs up.
Product: Mortgage

My family has owned our home in XXXX, Arizona for over 30 years. I have had some major health issues the last few years and due to a XXXX and XXXX XXXX was forced to retire. I had a lapse in income after retiring while waiting for my XXXX checks to begin and as a result fell behind on my mortgage with Nationstar. Now that I am receiving a regular check from XXXX and with my wife 's income we can resume making our mortgage payments. The problem is that Nationstar will not accept our payment. They will not communicate with us or assign a point of contact. We have asked to be reviewed for modification programs through the federal or state government but they have not even opened a review. As a result we now have a foreclosure sale date set for XXXX XXXX, XXXX. This should not be happening because we can afford a fair payment if Nationstar just gave us a chance at a modification. 

My wife and I refinanced our home in XXXX. When I began having XXXX XXXX in XXXX and was unable to work we were allowed to apply for a loan modification and were approved. We made these payments without any problems until I XXXX in XXXX which left me unable to work. At this time the loan had been transferred to Nationstar. I do n't know why Nationstar is not even considering our current financial situation and working with us towards a restructured loan. I think it would be better for everyone and more money for Nationstar if they worked with us and allowed us to stay in the house instead of foreclosing on us. We are not that far behind on the loan and our balance is low as well. I definitely believe if Nationstar took the time to review our information we would qualify for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from XXXX  XXXX showing up on TransUnion. The next day XX/XX/2022, I called XXXX XXXX to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call TransUnion and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called TransUnion, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call XXXX XXXX and tell them that I didnt apply for anything and that XXXX XXXX should be able to easily take the inquiry off my report. On XX/XX/2022, I called XXXX XXXX again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said XXXX XXXX who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called XXXX XXXX and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from TransUnion in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.
Product: Vehicle loan or lease

I am writing to express my deep frustration and disappointment with the ongoing issues I have experienced with my Ford vehicle and the lack of response from Ford regarding my attempts to resolve these issues. 

I purchased my Ford vehicle in XXXX of 2021, and since then, I have encountered significant and recurring problems with the transmission. Within the first year, the transmission failed, a year after it failed again both times requiring extensive repairs. The second repair I could not afford my warranty had expired. Despite these repairs, my vehicle has remained undrivable for the past year, causing me considerable financial hardship. 

Despite my consistent payments towards the loan for this vehicle, the fact that it is undrivable has placed a significant burden on me. I have incurred substantial costs for towing and other related expenses, further exacerbating my financial difficulties. 

For the past year I have been contacting Ford and the dealership I purchased the vehicle from, I have made numerous attempts to contact Ford regarding these issues as well as XXXX XXXX XXXX XXXX. My primary requests have been for Ford to either repurchase the vehicle or provide a replacement, given that I am paying for a loan on a vehicle I can not use. Unfortunately, I have received no response or resolution to my complaints, leaving me in a dire situation.

I urge Ford to take immediate action to address this matter. It is unacceptable that I continue to pay for a vehicle loan while my vehicle remains inoperable. I request a prompt resolution, either through repurchasing the vehicle or providing a replacement, to alleviate the financial strain and inconvenience caused by this situation.
Product: Mortgage

We had been applying for a modification with the original lender, XXXX XXXX, but then they sold the loan to a thieving deceitful company, Rushmore. We fell behind because there was severe damage caused to the house over 2 years ago by a pipe bursting ( not due to our actions we were not held at fault ) but XXXX refused to pay and we used all our money to save the house. The lawyers knew XXXX was wrong but they won anyway, not because they were right ( they finally came to court prepared to pay ) but the judge got " impatient '' with them and dismissed the case!!! So this disgusting company Rushmore is XXXX bent on foreclosing. They are snakes. We had been trying to reach them for months because the mod was not complete with XXXX XXXX, and XXXX XXXX told us just give them that last piece of info on hazard insurance to Rushmore. No Problem. Then we call Rushmore and find they have moved the foreclosure date from XX/XX/XXXX to XX/XX/XXXX, no reason, and have not allowed us to short sell which XXXX XXXX did allow. We had the 37 days required but they did not call us UNTIL IT WAS TOO LATE. Our realtor calls them every day now asking for a little extra time to short sell the house but they wo n't call back. They are forcing us to foreclose because it benefits them. We have been told that Rushmore has no interest in working with customers but makes their money on foreclosures. If this is not resolved and we are not given the few days we 're asking which would allow a short sale, we will take this to Federal court and all consumer agencies online and elsewhere. This is deliberate destruction of a consumers credit. I have now used both my adjournments to move the foreclosure date first to XX/XX/XXXX, then to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX keeps reporting this XXXX XXXX XXXX  account to my credit profile and it was removed.