vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to dispute a charge-off entry that appears on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that the item be investigated and, if found to be inaccurate, removed from my credit report. 

The details of the disputed entry are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XXXX I believe this charge-off is inaccurate as per the IS USC- 1681eb this has been a cancelled debt. I have reached out to XXXX XXXX multiple times to get form 1099c which I am yet to receive.

Please investigate this matter within the 30-day timeframe as set forth by the FCRA and inform me of your findings. If after your investigation, the charge-off is found to be incorrect, I kindly request that it be removed from my credit report and that I receive an updated copy of my credit report at no cost. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
i became XXXX during the time i had the vehicle. 
the vehicle was reposessed at my probation office. 
i was XXXX for 15 months and the vehicle went to auction. 
i know the vehicle was sold and i am trying to get this item off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  Iowa XXXX Subject : Complaint against RMP Services LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RMP Services LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** RMP Services LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that RMP Services LLC ceases such practices immediately.

4. **Failure to Provide Disclosures : ** RMP Services LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by RMP Services LLC , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between RMP Services LLC and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of RMP Services LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: MA

Complaint narrative:
I have been trying for years to get my loan modified with Gregory Funding but they requested upfront funds, which I didn't have. Resubmitted a request to them and they now want to raise my payment from {$2500.00} to {$3400.00}, which is over 40 % of my income and they want upfront funds of {$30000.00} which I do not have. Gregory Funding is telling me this is the only modification the investor will approve. This will cause me to lose my home and they know it. I need help with the upfront fund requirement as I don't have the money and I don't want to lose my home. I am desperate!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I demand the following fraudulent inquiries be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a Formal Complaint Against Experian for Non-Compliance with Request to Remove Incorrect or inaccurate Information from Credit Report. 
I have a serious issue I encountered with Experian. 
Despite my efforts to rectify inaccuracies in my consumer credit report, pertaining to my personal information, I have faced persistent challenges with Experians unwillingness to comply with my requests. 
On XX/XX/2024, I sent a letter to Experian. According to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports. This Federal law states the following ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I gave Experian instructions on removing addresses that I don't have access to or receive mail and phone numbers that don't belong to me. Experian did not respond to my letter so now I feel that Experian ignored me. To my dismay, Experian has not taken the necessary steps to remove this outdated information, adversely affecting my creditworthiness. 
15 U.S. Code 1681e ( b ) - Compliance procedures. ( b ) Accuracy of report 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. 
I have outlined all the information I want removed and provided Experian with a copy of my Driver license and a copy of my SSN and passport and Experian still ignores me. 
I know it is imperative to address this issue promptly to prevent any potential identity theft or further damage to my credit profile. According to the FCRA my information must be 100 % accurate 100 % verifiable 100 % timely.This is a major violation committed by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit profile and seen there way inquiries that do not belong to me on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Homie Technology, Inc
State: AZ

Complaint narrative:
XXXX Amendment of XXXX Complaint XXXX XXXX and her husband XXXX XXXX responded to an advertisement made by Homie Realtors. The Advertisement offer a 50 % broker credit using a Homie real estate agent. XXXX and XXXX XXXX located a home and contacted the Homie real estate agent and signed an offer. XXXX XXXX is an XXXX XXXX XXXX veteran, which would provide him with a waiver of a funding fee, a lower interest rate, and a waiver of PMI. 
After XXXX and XXXX XXXX signed the offer using the Homie realtor, they were informed that they would only get the 50 % broker commission credit if they used the Homie lender as the lender. This we claim is a violation of RESPA on its own. Homie Loans was not able to obtain VA funding, but the XXXX  were able to obtain another broker to provide the VA loan. Homie stood by its position that they would not receive the commission credit if they did not use Homie Loans. 
At this point they were in the position of losing the offer on the house if they did not proceed with the Homie Lender. However, there was an issue on their credit report that had to be resolved so their credit could be re-scored. The Homie Lender informed them that they were working on the rescore but failed to do so. The loan officer that they were working with was replaced and by that time interest rates were up .25 % and they had no time to shop for a new lender. 
Lastly, Homie did give XXXX and XXXX XXXX the {$8000.00} commission credit but changed the lender fees to {$6000.00} thereby reducing the credit by 66 %. Even though these charges were disclosed in the XXXX there was insufficient time to find a new property and new lender and XXXX and XXXX XXXX were stuck with a loan at significantly hire rate and fees. 
The Homie advertisement for the broker credit on commission was deceptive since the advertisement did not state it was contingent on using Homie Loans. Homie Loans is also based upon its own bad practices caused XXXX and XXXX XXXX the benefits of his XXXX veterans benefits. Therefore XXXX and XXXX XXXX are requesting a refund from Homie Loans for the {$4000.00} brokers credit, refund of the {$6000.00} in origination fees that XXXX and XXXX XXXX would have been waived in the VA funding and backdate excess of interest and PMI due to using conventional loan vs VA loan of {$1000.00} per month beginning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2006 I purchased real property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. I have been making payments to Truist ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX ) and paying taxes via XXXX escrow account with no late payments. I contacted XXXX XXXX tax accessors office and my name is not listed on tax bill, nor have I received any tax bills. Apparently when taxes are paid it does not reflect who is paying the bill, only that the bill is paid. The only reason, that I am aware of the situation, is because I wanted to place the property into a trust account. According to accessors office, the mortgage company should have filed the deed with the county accessors office, showing my name, so it would reflect on tax bills. I was informed by accessors office, that the ball was dropped somewhere, because there should be a deed on file reflecting my name, and I was informed to reach out to mortgage company. Therefore, I reached out to Truist and XXXX, whom I pay for my loans XXXX and XXXX with No Preval. I have been getting the run around from Truist and XXXX with getting to the bottom of this is. Truist and XXXX blames each other and no one is taking accountability. There appears to be poor communication, or a lack of responsiveness. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), hard inquiries were placed on my credit report from JPMorgan Chase due to fraud and someone trying to open accounts in my name. I contacted the banks, Chase included, to report fraud. XXXX XXXX removed the hard inquiry immediately and I have had no problems since. I was told by Chase that the hard inquiry would be removed from my credit and it was not. I placed a fraud alert on all three credit bureaus stating that if someone tried to apply for credit in my name, that I was to be contacted at my phone number for verification. After that, all fraud attempts have been halted with the exception of Chase. Two more times after that, I received hard inquiries on my credit from Chase and a letter in my account thanking me for requesting credit. Both a blessing and a curse, my credit usage is fairly high, so Chase denied those requests but never contacted me for verification either time, per the security ID alert on my credit. No red flags were raised from Chase on either the fraud alert, as well as the fact that all requests were made in my maiden name, which I have not legally had for almost 5 years. Did they think I would legitimately be attempting to open a credit card in my old name? I have attempted to solve this over the phone where I was given false information to send my complaint to a phishing email address and that they would help me. That was an email address that would receive no reply. I called back customer service and she basically said that she didn't believe me because they weren't trained to do that. I was asked security questions that had nothing to do with me and was told that my answers were incorrect and they couldn't help me. I went to a physical branch location and they told me that they don't remove hard inquiries, even though the credit agencies tell me to contact them. They also told me to contact the credit bureaus to put a credit alert on, which I'd already done and that did not fix the problem. I need to know how to stop Chase from allowing fraudulent credit attempts and how I can have those 3 hard inquiries removed from XXXX. XXXX was able to have them removed, but XXXX is telling me to contact the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. incorrect historical data listed below : Incorrect DOB - XX/XX/1985 Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief