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

XXXX, TRANSUNION, XXXX and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX  XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. XXXX TRANSUNION, and XXXX has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Product: Payday loan, title loan, personal loan, or advance loan

I signed a settlement agreement to make payments on a monthly basis on XXXX XX/XX/year>. The settlement was {$1900.00} to be paid over 12 months starting in XXXX. I spoke to a XXXX XXXX : I made the payments. As of today, the lender continues to report the account as delinquent and has notified me they are threatening to charge off the account. This is despite the agreement already reached and the payments made. The letter received states if it is not paid in full by XXXX XXXX then it is charged off. I am at a loss. I have made agreements and spoken to agents, yet the loan continues to be reported incorrectly and I continue to be harassed. I am confused as to if I continue to pay according to the settlement agreement or is that being retracted by the company?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

5 weeks prior to the XXXX error this card was lost/stolen. I called canceled card and proceeded to change my existing subscription to the gym qnd XXXX. Once new card was received. When the XXXX was alerted to my phone I immediately called netspend and was told I did not cancel my card. I asked the lady why did I get a new replacement card that im is I ng I can not have 2 cards on my account. I said check the ladt time I called. After a minute she says yes I canceled the card but netspend employee did not. She opens a dispute and I wrote in. They sent a temporary credit. They now told me im responsible for charge. This was a trial from 2 months prior I canceled because I paid XXXX. And the merchant had not sent anything in 5 weeks at that time I canceled with them but did not need to with netspend. Later when this XXXX came up I included netspend but I am not responsible because really once I canceled subscription the merchant should not charge me plus card was closed
Product: Mortgage

I closed on a short sale for two mortgages on XX/XX/20 one with Bayview community service and one with XXXX XXXX. I have all the documents from the short sale and I can add them below. Now the problem is the first mortgage satisfaction of mortgage is still not recorded as of today XX/XX/20. That's over 30 days with no recorded mortgage. The second mortgage with XXXX  XXXX was recorded and sent me a copy of record on XX/XX/20. 

I have called Bayview and my loan representative 3 times in 10 days and her voicemail says she will return a call in 24 hours. Her name is XXXX XXXX. her direct number is XXXX. 

The longer they take to record my satisfaction of mortgage the longer I wait in my three year period. The fact they wont return a call is pathetic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To whom it may concern, I am formally disputing the account listed under account number # # # # # # XXXX reported on my credit file with the amount of {$180.00}. Collection agency name : Caine & Weiner Company Inc, the original creditor name : XXXX As I DO NOT recognize this account/debt. The reporting of this is INACCURATE account violates my rights under federal law specifically under 15 U.S. Code 1601. I request that you provide all documentation related to this account, including original agreements and evidence of proper disclosures as mandated under 15 U.S. Code 1601. 

REMOVE AND UPDATE the INACCURATE collection from my report if its found to be in violation of federal law. 

This INACCURATE account was reinserted on my credit report after deletion. As a consumer by law the accounts listed above on this letter must be UPDATED OR DELETED immediately or I will seek monetary compensation for violation of my rights in small claims court. Under 15 USC 1681n civil liability due to me being violated. Also, this letter has been sent to the complaint portal for ( Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX OF XXXX XXXX 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 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 Auto Loan Account starting in XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States i have the right to privacy.

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Equifax provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If Equifax is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately.

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX. On XX/XX/2018 I purchased {$80.00} of Bitcoin and {$10.00} from the website Coinbase. The {$80.00} of Bitcoin was stored in my Bitcoin wallet and the {$10.00} was stored in my USD wallet. I was told to wait a few days before trying to transfer the funds from my Coinbase wallets over to my XXXX wallet. However, while waiting I noticed that the {$85.00} had been double charged in my checking account which set my account into a negative balance and thus a NSF fee was charged. I didnt have the funds to bring my account into the positive and when I spoke to Coinbase about the issue they said they would have their agents look into it. A few mroe days passed and they didnt resolve the issue so I filed a report with my bank and they got the {$85.00} that was double charged back into my account. However, Coinbase put my funds that I had in my wallets on their site into a hold until they could look further into the issue that took place on my account. On their site it had a disclaimer on my account that my funds would be on hold until XX/XX/2018. When that day arrived however my funds were released from being on hold but it said that buys were " currently disabled from your account ''. This means I cant transfer the funds from my Coinbase wallets into checking account cause there is a block on my account. When I called Coinbase support they keep telling me that I have to wait for their agents to fix my account and get the hold uplifted on my checking account. I have been waiting since XX/XX/XXXX and at this point am frustrated and tired of playing the waiting game. Any help you could provide would be extremely appreciated and helpful to me.
Product: Mortgage

We were forced into financially disparate conditions last fall. We knew we were moving from XXXX  back to our home in XXXX. We chose to place the XXXX  home in forbearance, because we were going to sell in the spring of XXXX. 

The market conditions are difficult to sell, and our real estate agent recommended possibly doing a VA assumption, since our loan interest rate was only 3.5 %. 

Called the VA to ensure a loan in forbearance could be assumed, VA gave us confirmation that we could. 

Called the lender, NewRez / Shellpoint, and they confirmed that we could do an assumption while in forbearance. When we applied for the opening of the we received an email from the lender that the loan was approved to move forward as an assumption. 

We have gone under contract with a buyer, but the assumption process has been difficult and has caused significant difficulty in our transaction. Due to the friction with this transaction, the buyer has now notified us that the may file suit against us.

I need help getting this rigid process back on track.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), anXXXX XXXX XXXX XXXX XXXXXXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

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

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

I have had a ongoing issue with Freedom Mortgage ( XXXX XXXX ) pertaining to my XXXX account. Since XXXX they have been charging me for XXXX XXXXnsurance which I already had and sent them proof of coverage. I paid off my mortgage on XX/XX/XXXX in full, but since the escrow account was incorrect they continued to charge me and requested additional money. Because of this they proceeded to report me as delinquent and it effected my and my XXXX XXXX XXXX. I feel this not right, because it was their fault for not correcting my escrow account when I had sent numerous proof that I had flood insurance because they chose to ignore it this is the outcome which is not my fault. I have exceptional credit payment history as so does my XXXX. I want to have this late payment reversed.
Product: Mortgage

A reverse mortgage for {$330000.00} was taken out on a home that was owned by myself XXXX XXXX XXXX and several other people without our permission. After the home was sold in 2019, there were almost no proceeds to distribute to the those heirs due to this loan. The loan was obtained through Reverse Mortgage Funding, LLC.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act .the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681XX/XX/XXXXXX/XX/XXXX
Product: Credit card

Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.
Product: Credit card or prepaid card

CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.
Product: Debt collection

On XX/XX/2020, my credit score dropped due to a new derogatory account being added. This account was a charge-off that I never received any notice of whatsoever, and have no clear idea of what the original debt is.
Product: Debt collection

The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago
Product: Debt collection

On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.
Product: Checking or savings account

I waas charged today again XXXX dollars. just to have 2 accounts with bank of america, where they take " keep the change transfer '' taking cents out of my account on every transaction just to pay the XXXX dollar fee associated with my checking account that also charges a fee, I got laid off, waiting to see if I get unemployment or not, and do not have the cash to close the " savings '' account at the moment and the bank wants to keep it open to charge fees. Please do not take more money. I only want one accountwith bank of america not two to charge double fees There is no money to save for someone who was laid off, bank of america and his debt collectors of a mortgage of someone else charge me all my cash from escrow to pay the " bank of america note '' that XXXX XXXX is charging my family for the mortgage of someone else, all our monies has been taken by bank of america " already '' about XXXX cash from all our accounts and they want to get the " keep the change transfer too '' lease keep the checking acccount open, has the XXXX to pay the minimum due of my credit card, do not close it because will lower my credit and that would be the last draw to ever think of buying a home in the next 7 years. Pleas please plasese just close the savings account that is it. I will borrow money to pay the XXXX dollar fee that you charged today but close it because it will continue to draw off my checkinig account to pay for the fees of bank of america
Product: Credit reporting or other personal consumer reports

This is for XXXX XXXXXXXX Account ending in XXXX and XXXX I have filed multiple XXXX complaints in the company either didnt respond or was grossly past due and ineffective Their extreme negligence has caused me a lot of damage and stress as I am a XXXX person. 
They are reporting two balances of over {$1000.00} However my balances should report XXXX. 
They are in violation with the Fair Debt Reporting. Information on my credit report must be reported legally and accurately