23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a mortgage with XXXX, also known as NewRez. During the Covid-19 crisis we were granted, in writing, forbearance relief of 6 months. This forbearance relief allowed for XXXX  payments for 6 months, with written confirmation that this will NOT affect our credit nor create any negative credit. We did not pay our mortgage for 4 months, then sold the property and paid the mortgage off in full. XXXX has hit both of our credit reports with a >120 day delinquency. We are trying to work with XXXX and also with NewRez to correct this on all credit reports, but as of this writing we have not had success.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX To Whom

It May Concern, This letter serves as a formal complaint regarding the inaccurate and incomplete credit information that you have reported to the credit bureaus. According to federal laws,
it is mandatory for information furnishers to report precise credit information to the credit bureaus. Unfortunately, in this case, you have failed to fulfill this requirement. It is crucial to ensure that all reported information is completely accurate and correct. I raised a dispute concerning the following information more than 30 days ago, and I have yet to receive a response from you : I have been a victim of identity theft. Please review the attached documents regarding this case and the completed identity theft affidavit. Furthermore, I kindly request that you refrain from reporting and block any information associated with this case as per FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of such information within four business days upon receipt. 
It is imperative that this inaccurate information is promptly removed from my credit file. I kindly request that you contact the credit agencies to whom you reported this information and have it removed from my credit profile to prevent any misleading information. 

Under federal law, you are obligated to carry out your reinvestigation in a timely manner. Furthermore, I request that you provide me with a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days after the completion of your investigation. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX CARD + New Credit Inquiry Added Ran my credit without my consent! 

TD Finance auto ... report late payment XXXX and system error! Still never removed it
Product: Debt collection

XXXX still showing 2 collections on the credit report and those were charged off about 2 years ago, 1 is NCB Management Service {$4000.00} and the 2nd is not  showing the name or any other information.
Product: Credit reporting or other personal consumer reports

All of my information was exposed with all XXXX credit bureaus and I want my reports wiped clean
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : EXPERIAN, XXXX, XXXX DISPUTES XXXX XXXX. XXXX > {$1200.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3800.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$180.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX {$13000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} * Date Opened : XX/XX/XXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  * Date Opened : XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Mortgage

Since XX/XX/XXXX I have made multiple calls to Loancare trying to get a Loan modification after coming out of forbearance. Loancare reported my loan as delinquent for the months that I was in forbearance. This resulted in an over 100 points drop in my credit rating. This prevented me from obtaining a refinance from any other entity. We had an modification agreement in XX/XX/XXXX. I had the documents notarized and sent back to Loancare XX/XX/XXXX in the XXXX envelope that they provided. Loancare did not process the documents. They informed me that they did not receive the documents until XX/XX/XXXX. I find that impossible to believe. Then Loancare sent me another modification agreement with a higher interest rate, a higher mortgage payment of close to {$2700.00}. 
Their calculations included the amount of the delinquent payments while in forbearance. 
I have made countless calls to Loancare from XXXX XXXX XXXX, spoke with countless agents, been told conflicting information an the situation remains unresolved. The website will not accept payments from debit nor credit cards which prevents making the payments. I have asked for options to pay without response. The agents have admitted that the post office returned documents to them that did not reach me but decided to move forward with the foreclosure. The XXXX tracking dates do not match the date on the notices that Loancare states that they sent documents. When I did receive documents, I was past the response date because Loancare did not send them out to me timely. Loancare is impossible to deal with and should not in my opinion be allowed to service mortgage loans. Their incompetence is glaring.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights 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 an account without my written instructions.
Product: Debt collection

When I took internet service through XXXX, they partnered with XXXX and added TV service. XXXX told there is no contract. I had to cancel the internet service under a month as the service was not good. So, I returned all the equipment and paid everything to XXXX. Few months after XXXX says, I have a contract with them and asking me to pay termination fee. Since, I never contracted with them directly and XXXX said there is no contract I refused to pay. I tried to resolve the matter with XXXX and XXXX  ( XXXX ), but they keep asking and finally sent to collections. 

First, I dont owe any money to them. I returned all equipments, paid all fee and have a receipt from XXXX that I don't owe anything ( XXXX bills are part of XXXX who is the primary/only deal I have ). I never spoke to XXXX To get the service at my home. But I had to call them as soon as I cancelled XXXX just to make sure I dont get overcharged and there could be communication disconnect. 

Now, The collections reported multiple times and multiple agencies on the same account. which I found it to be illegal ( multiple collection companies reporting same ) " XXXX XXXX XXXX '' is reported 4 times on my credit report via XXXX  ( when checked through XXXX  XXXX ) * XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Again, " Diversified consultant '' reported on XX/XX/XXXX This is harassing and trying to get XXXX $ which I never owe to them. Please take a legal action against these illegal practices. 

Because of them my credit score came down from XXXX to XXXX now and they continue to bring down by reporting it again and again! 

Here is the info of the 2 companies XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX ( XXXX ) XXXX Diversified Consultant XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting

XXXX COUNTY RECRef : XXXXXX/XX/XXXX Federal Tax Lien - Filed XXXX CO RECRef : XXXXXX/XX/XXXX Federal Tax Lien - Released The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX back on XX/XX/XXXX through the CFPB and I also sent them a letter to theyre XXXX XXXX XXXX XXXX XXXX XXXX XXXX address and emailed them to customer XXXX email because they have a collection item on my report that I have no knowledge of. An investigation was opened and they responded back on XX/XX/XXXX. I received a call on XX/XX/XXXX about my issue and stated that I wanted some kind of proof this was my debt such as a contract, with my name and signature or my picture ID or anything to prove it was in fact me. I was told to call the original debtor to get that info and that they have a bill with my name on it. I told them to send it to me and they said they cant and an investigation would then take place. I called back on XX/XX/XXXX and asked if anything happened with the investigation and I was told an investigation was never opened. I was then told they were going to open 1 that day on XX/XX/XXXX. I called back XX/XX/XXXX to see if any progress had been made and was told the investigation was still pending. I called back XX/XX/XXXX which was well over 30 days and still the investigation was pending. I asked for a manager and I spoke to a woman who refused to give me her name and hung up the phone on me after I explained to her that her 30 day investigation period was up and I need this item removed as it was hurting my score. I asked repeatedly for proof it was me and my debt and I have yet to this day XX/XX/XXXX received anything and XXXX XXXX  is still on my credit report reporting negatively. I called XX/XX/XXXX and asked again to have this removed and was told no and I got the phone hung up on me again. Each time I called Ive been spoke to rudely and have been treated unfairly and Im only trying to have an issue resolved.
Product: Debt collection

My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681Congressional purposes, it is the purpose of the subchapter to require that consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. 
There exist an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts, congressional purposes, and reasonable procedures prove that I have received a delivery of goods come to my home and search for the goods they say I received in possession of the goods or come and see my computer or tap into my bank account so you can see what these alleged possessions are as an a requirement under 15 US code 1681c-2 ( c ) ( 1 ) ( C ). please prove this hearsay is not admissible. This is according to federal rules or procedure and evidence. Therefore, these accounts must be removed. You can not lawfully prove that I received any delivery of good services in money. These accounts are not related to transactions by meet the consumer, therefore as a result of this identity theft, these transactions must be removed and blocked.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 

1.XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3.XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX 6. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX 7. XXXX XXXX Date of inquiry XX/XX/XXXX 8.XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX 10. XXXX XXXX Date Of inquiry XX/XX/XXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized payment of {$4800.00} made through my Venmo account- on Friday XX/XX/24 XXXX EST. I was not in procession of my phone at the time. 

I've filed dispute with Venmo, but it was denied without the opportunity to submit evidence of footage of person in control of my phone and the police report. 

Venmo ( 3 different agents told me ) the amount will be on hold while under investigation, but they release the fund today - 4 days after without notifying me, citing the investigation has completed and denied my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification that my credit score has decreased by 31 points!! Capital One has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with Capital One. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX 's account. This is adversely affecting me! I am prepared to take legal action if necessary!
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

My signature was forged on some parts of the contract and I was charged for things that I didnt ask for or need in my contract and there are extra fees on there that not supposed to be on my contract
Product: Consumer Loan

After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. 

I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. 

When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. 

I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. 
The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. 

After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. 

At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. 

I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. 

Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.
Product: Credit card or prepaid card

they do not want to replace the XXXX that I send the banco of america is XXXX dollars XXXX says that I cancel it and send me a check which has not arrived and that only online hey solve the problemand the don't is fraude for not XXXX pay me its already XXXX I'm XXXX XXXX XXXX XXXX for no page the rent homles and hel me for my money the XXXX they don'twant to give me the account number so they can replace it and banco de america doesn't want to replace it with me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. After thoroughly reviewing the details, I have identified several discrepancies that must be addressed promptly and accurately. This issue is of great concern, as incorrect data can significantly impact my creditworthiness and overall financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}