23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Transunion should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For full details, please refer to the XXXX XXXX, 2020 letter to TransUnion with supporting attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage that is reporting with PHH Mortgage Services that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Product: Debt collection

I, XXXX XXXX called them twice in the past year. I noticed a negative mark on my credit, not knowing why because I just turned XXXX. I called the collection agency Procollect INC they said that theyve been sending letters and calling me to collect this debt. Which I never got, I didnt even have a phone nor my own address because I was a XXXX I mentioned that I disputed with them many of times for the account with the original creditor being made while a XXXX I sent an email to who Procollect INC told me with a copy of my birth certificate for proof of my age to Procollect INC. No one ever got back to me. Procollect INC also told me to try and contact the original creditor XXXX XXXX. I called the original creditor XXXX XXXX. They needed information like the account number and the number used to make the utility account. I didnt have any of that.
Product: Student loan

I applied for the save plan. Last month XX/XX/XXXX my payment was XXXX. In XX/XX/XXXX is saying I owe over XXXX for my monthly payment. But Im on the save plan and it not being applied this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Experian is reporting an account incorrectly on my credit report and I am attaching a copy of the dispute form so that you can hand deliver it to them since none of them seem to get what I send or correct the items I dispute and their website never works either!! This account which was originally with XXXX XXXX XXXX XXXX and showing on my report as XXXX XXXX XXXX who must have bought them out, is INCORRECT!! They are showing me late during the recession of XXXX when I got laid off and was struggling for a few months on one loan, the one and only loan I have even been late on with them or anyone else, which they still forced me to pay interest only payments on monthly the entire time I was late plus late fees and then made me pay a large balloon payment at the end of the note, every month I paid {$180.00} during the entire time until I paid all off in full, but they are lying and reporting me as paying nothing every month for which I was late, this is defamation and breaking the FCRA!!! I want all documents on this loan forwarded to you and I both showing all payments, my banks has records of all of those payments that were made also, but it is XXXX XXXX XXXX XXXX XXXX XXXX Banks responsibility to PROVE all they are reporting is true and accurate!! 

The date of first delinquency on this account was also in XX/XX/XXXX and actually sooner in XXXX than that, they are just not showing those payments that far back on my report so they can continue to keep this negative information on my account, again more revenge, such hateful evil people. This account should have already been removed from my reports or at the very least be removed before XX/XX/XXXX, but they are not showing this on my reports!!! 

It is fraud to falsely report inaccurate information on my credit reports, not investigate or report it correctly and to leave it on my reports past the time the FCRA allows which is only 7 yrs past the original date of delinquency!!! REMOVE THIS ACCOUNT from all three of my credit reports and send me corrected copies of all three reports immediately or I will have my lawyer contact all to get it done!!! I am also filing a complaint with the IL Attorney Generals office about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXX- {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is XXXX years for a collection/charge off account. I have not received a 1099c for this debt. XXXX XXXXL- {$52.00}, is a HIPPA violation for third accounts placed for collection.. XXXX XXXX XXXX XXXX {$460.00}. XXXX XXXX XXXX- {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
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.

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 informationisinaccurate.
Product: Mortgage

On XX/XX/XXXX I began the process to refinance my existing mortgage from a variable rate to a fixed rate product. I did some research and decided to go with Rocket Mortgage who claims that they are " Engineered to Amaze '' their clients. I did this with the help of my father, a Senior Vice President in charge of a mortgage division for a bank here in XXXX, now retired. 
I am a XXXX single woman, mother of XXXX children, with an impeccable credit history, liquidity and 40 % equity on my {$720000.00} home. 
The process was going quite well and we were ready for the " final steps '' and that is when the problems began. 
I got divorced in XXXX and I provided the divorce decree which stipulates the alimony and child support that I receive on a monthly basis. I provided my tax returns showing that taxes are being paid on this amount. In addition, as of XXXX of XXXX I am employed by XXXX XXXX here in XXXX in a management position with a decent salary. 
My ex husband is a XXXX XXXX and travel around doing conferences in the United States and XXXX XXXX. At the time of the settlement it was decided that he open a checking account with my signature so that I could draw my payment every month without having to go chasing him and tracking him down. It has worked successfully up to now and the sole purpose of this account is for that transfer to take place. I deposit that check into my personal account every month. His bank would not do an ACH into my account because although the alimony payment is constant, there is a variable component for the children 's expenses which vary month to month. Bank statements were provided to this effect. Our communication is limited to the children 's needs and have no access to each other 's finances or accounts. The underwriters at quicken which have been many, refuse to understand the situation and are requesting that i need to get his bank statements from his medical practice to show where the funds come from. It is very simple, it is stated in the divorce settlement agreement you don't pay you go to jail. As you can understand, we are not in a amicable situation to be asking for this information. What happened to the three " C 's '' of credit? Character, Credit Worthiness and capacity to repay. I feel that I have been taken for a ride either for the fact that I am a XXXX woman who they feel is trying to get away with something or they do not want to honor the rate that we negotiated and don't know what else to do to turn me down. 
We are in fact looking at a jumbo loan of {$430000.00}, 60 % loan to value. The whole situation is bizarre at what would seem to be a slam dunk deal. 
In reading the reviews for Quicken, I see many common complains where people get bounced around and they don't speak with each other resulting in situations such as mine. I would like my case to be investigated with all details we provided to the. My loan officer, who by the way, was on board from the very beginning was XXXX XXXX and he was very helpfu.
Product: Credit reporting or other personal consumer reports

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information currently reported on my credit file by XXXX XXXX. XXXX XXXX  was my original lender for a loan on my XXXX XXXX XXXX. However, as of XX/XX/XXXX, I successfully refinanced this loan with XXXX  XXXX XXXX XXXX. Despite the refinance, XXXX XXXX  is still requesting payments, which is incorrect since the account was settled and transferred to the new lender. 

Please investigate this matter and update my credit report accordingly, as it is essential that my financial records reflect the accurate status of the loan. I have enclosed copies of the relevant documentation, including the refinance agreement with XXXX XXXX XXXX XXXX, for your reference. 

Thank you for your prompt attention to this issue. I would appreciate written confirmation once the matter has been resolved.
Product: Credit reporting or other personal consumer reports

I have received a well known error code when attempting to register an account on Equifax or receive my credit report from Equifax through XXXX XXXX XXXX and through other major credit reporters such as XXXX and XXXX. 

The Equifax error code is XXXX. I made a phone call to Equifax on XX/XX/. I was told my issue would be escalated and I would be contacted by their team to help resolve the issue. 

I did receive a case email from their team. The case number is Case # XXXX. 

My response was not helpful and asked me to register an account, which is the issue I was experiencing in the first place. This is the information I received : " Good Afternoon <My Name>, In reviewing your myEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at my.equifax.com. You will be able to access your myEquifax account after registration is completed. If you experience any issues, please feel free to contact our consumer care department at XXXX between XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. 

Thank you for contacting Equifax, Equifax Consumer Care Team '' This has created an endless support loop in which the issue does not get resolved.
Product: Credit card

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Product: Debt collection

Debt Collector continues to report, twice, a debt which has been paid to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A states : I have the right to privacy.

According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) states : 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

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this reporting with all 3 bureaus, XXXX, Tran Union and XXXX   after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in 2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated a rental lease for serious medical reasons with the understanding, according to t heir contract ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered  to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.