23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Bankruptcy is reported incorrectly it was a XXXX XXXX XXXX XXXX and should be removed from my credit file based on the discharge time
Product: Money transfer, virtual currency, or money service

Hello CFPB, XXXX XX/XX/2023, my Wise account was unexpectedly closed by the company. At the time of the closure, there was a significant amount of money in my account, totaling nearly {$2000.00} dollars. Following the account closure, Wise requested my bank details to process a refund to another account. 

In compliance with their request, I promptly provided them with the necessary bank information to facilitate the refund. However, despite 20 days since then, I have received no indication or confirmation that the refund has been processed. To add to my frustration, Wise has consistently informed me that they can not proceed with the refund. 

I have contacted Wise multiple times via various channels, including customer support, to seek clarification and resolution. Unfortunately, their response has been consistently disappointing and unhelpful. They have failed to provide a valid reason for the account closure and subsequent refusal to refund the funds. 

I sincerely hope that by bringing this matter to your attention, the necessary steps can be taken to rectify the situation. I believe it is essential for the company to honor its responsibility and provide a fair and prompt resolution, including the refund of the funds rightfully belonging to me. 

Thank you for your attention to this matter, and I appreciate any assistance you can provide in resolving this issue.
Product: Mortgage

I previously modified my mortgage through Midland Mortgage during XXXX due to financial hardship. During the application process I was informed from Midland Mortgage that no negative credit reporting would occur. That was correct and Midland did modify my mortgage XX/XX/XXXX and no negative reporting occurred during this process. Unfortunately the monthly payment was not reduced and actually increased due to an escrow shortage. I reapplied for mortgage assistance XX/XX/XXXX looking for a payment deferment or other options while I contemplated putting my home up for sale. At application, I also inquired about negative reporting during the application review period and an associate ( i will not name ) of Midland Mortgage informed me that there would be no negative reporting during the application process. The bank kept on requesting documents and a second phone call on XX/XX/XXXX also yielded the same response that Midland would not report negative late payments during the application process. I also have the name of the person that I spoke to from Midland. In XX/XX/XXXX I ultimately sold my home and the loan was paid off in full. A recent check of my credit file showed Midland reported me 30 days delinquent in October 2022, 60 days in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. This has a devastating effect on my XXXX score and my inability to secure financing in the future because of the erroneous information Midland Mortgage provided me both at application inception and during the review period. I in good faith sold the home and paid off the mortgage in full ( it was not a short sale ) and Midland Mortgage did not act in good faith by providing me incorrect information. I would like this resolved.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. We have been told as of XX/XX/XXXX they are in receipt of the QWR and have not responded - We will not be allowed enough time to review the information being provided via our QWR request without the sale being postponed for this response to be received and reviewed adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$250.00}.
Product: Checking or savings account

On Monday XX/XX/2021 I received and email from Capitol One that my personal checking account was restricted. I was given a phone number to contact which I did several time over the next days. the phone number only went to voicemail and told me to describe my situation and give a call back number. I left messages every time stating the following, and have not received a call back. I also called Capitol One 's main customer service line to confirm that this was the correct number and it was. 

The problem with my account was that I was recently targeted for a scam. I am currently unemployed and have been looking for small part time work where I can to help pay my bills with reduced income. I had been contacted about a secret shopper assignment that would pay a XXXX XXXX dollars. I began the process of doing this by depositing the check given to cover the cost. After asking some questions and doing my research, I realized this was a scam and the check they sent was fake. I IMMEDIATELY called Capitol One to inform them of this the same day the check was deposited mobilly and asked them to cancel the deposit because the check was no good. They said there was nothing they could do and the check would automatically be rejected. The check cleared, but I did not spend any of the money and waited for it to resolve itself. a few days later the deposit amount was taken back, nothing overdrawn or spent, and thought that was that. Well a few days later on the XXXX Capitol One sent the email and subsequently ended my ability to use my funds ( that were still there and had nothing to do with the bad check ). 

Now I am stuck with thousands in this account that I need to cover my monthly bills and there is no way I can access them. I have been given no call back, no explanation, and most importantly no time frame. Yet my legit regular direct deposit amounts still go through and are being collected and I can not access them. 

I need access to my account which I used legitimately for 10 years now.
Product: Credit reporting or other personal consumer reports

Reported this company in order to report that they are not legally reporting the account information correctly. National recovery agency claims that because the account was given to them XXXX  years after the original date of delinquency they can restart the debt clock. In essence, the original delinquency date is reported to be XX/XX/XXXX however on the report it reflects that the debt is XXXX XXXX XXXX when it is actually XXXX years and XXXX  months old. It would be illegal to still have this on my credit report following XX/XX/XXXX. However, the company is saying since they got the debt XXXX years ago in attempt to collect on the debt that it is legal to then have this stay on my credit XXXX years longer than the debt expires and hits that XXXX  year mark. This is illegal reporting. Once the debt hit XXXX years on XX/XX/XXXX it would now be illegal reporting and subject to lawsuit. I would like copies of the statute in which they are using to justify this as a legal reporting and the exact legal documents that make this legitimate. XXXX removed this off of my report due to the illegal reporting proving that there is at least XXXX agency who recognizes the illegal nature of this reporting. I know it is illegal to extend the debt clock and the collection company is only allowed to attempt collection within the time frame set by the original date of deliquency, again, that would mean the attempt on collections can't legally surpass XX/XX/XXXX. If this were legal XXXX would not have removed it pending investigation. If further attempts to rectify this issue is not addressed and resolved properly by updating the record to reflect the correct time this debt has passed or if it not removed I will be reaching out to an attorney as it seems you are violating consumer law in regards to credit reporting using XXXX 's removal of the account as evidence this is clearly an unlawful reporting done intentionally by the company in order to boost chances of getting money. I will continue to dispute this debt over and over again until the account accurately reports or until we go to court to have lawyers resolve it for me. Again, I request legal documentation or reference so I can know what part of the law/statute is being used to justify the inaccurate reporting on the account. I want penal codes or state statutes that directly support this is legal in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, Transunion, and XXXX reports. 

Please add my contact telephone number to my credit report : XXXX
Product: Debt collection

I received a random email for the first time today, for an outstanding debt owed in the amount of {$690.00} and an account number, no other information given, no prior communication from this Company. Looks like a scam, as I have NEVER heard of this company before. I call the courts and they advised that they have this company as a third-party debt collector, however, they show no outstanding balances owed. Apparently, this is for an outstanding debt from 2013 to a Superior Court, for a traffic ticket, bogus! I have never received ANY type of written notification for any outstanding debt, within the 5-day period, MANDATED BY LAW! 

I call the company MSB ( Collection Agency ) and the gentleman on the phone tries to state that he is needing my current address to send me notification of the debt. The debt is over 8 years old ; I should have been notified immediately of ANY third-party company with my information that they were using, to try and collect a debt. He stated that they did notify me. When asked he could not provide the address. If he has sent prior written notification, then when wouldnt the Company have my address on file? I called the courts and they have my record of current address on file, and no notification of this outstanding debt and to contact the collection agency personally to resolve, which I did. 

Although this is NOT even a valid debt, California statute of limitations states the following : " California has a statute of limitations of four years for ALL debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. '' This debt is over 8 years old, with no record of nonpayment, any break of any contractual agreements either verbal or written. NOT VALID!

Not to mention the California law below, which reads : Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing.

Again, nothing was provided to me and this is the first I am hearing of it. Its not on my credit report, because A. ) Not a Valid Debt, B. ) No written notification of that debt was every received to process, and C. ) It has a 4-year limit on it for collecting any outstanding debt, which would make their debt completely invalid, on that reason alone.

They were advised by me to remove this invalid debt, without supplying any actual proof or record of, and to send me a letter advising this was an error and it has been resolved with no outstanding balances. 

Refusal was given, so I am now forced to file this submission of complaint, that I wish to have resolved as soon as possible, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a letter after reviewing my credit score with Experian that I saw some incorrect information on my account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts which Ive listed below. Experian failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Experian can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately & not updated inaccurately. 

1. XXXX XXXX Account Number : XXXX XXXXXXXX Unverified Account 2. XXXX XXXX XXXX Account Number : XXXX XXXX  Unverified Account 3. XXXX XXXX Account Number : XXXX XXXX XXXX  Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I was made aware through XXXX that a company by the name of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX OH XXXX ( NO PHONE NUMBER PROVIDED ) made an inquiry on my Transunion credit report. 

I mailed a written dispute directly to Transunion disputing the inquiry. All Transunion did was send me a copy of my credit report basically stating that it was a valid inquiry because XXXX XXXX provide Transunion with my address. 

It is not a valid inquiry! I have never had any dealings with this company ... ever. 

This company had no right to inquire on my credit report and I believe Transunion made no attempt to confirm this with this company. 

I also made several phone calls to Transunion trying to explain to them why this is not a valid inquiry and all they could tell me is that " HARD INQUIRIES STAY ON MY REPORT FOR TWO YEARS ''. 

Obviously, I would like Transunion to remove this inquiry asap or provide me with evidence of my signature that I applied for any credit with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my Equifax report, XXXX report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my equifax and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, XXXX and Experian, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by XXXX and Experian. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Debt collection

Calling and leaving voicemail to return call, but not stating they are a debt collector
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention certain inaccuracies present in my credit report. Upon reviewing my credit report, I have identified fraudulent accounts, addresses, and personal information that do not belong to me. I kindly request your prompt investigation and correction of the following discrepancies : Fraud Addresses : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Fraud Accounts : 1. XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX Fraud Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 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 have never resided at the mentioned addresses, opened the listed accounts, or used the provided names and phone numbers. These discrepancies are indicative of fraudulent activities, and I request your immediate attention to rectify these errors in my credit report. 

I hereby demand the removal of the mentioned fraudulent information within 14 days from the date of this letter, in accordance with the Fair Credit Reporting Act. I explicitly state that I do not require a response from E-Oscar, and any communication regarding this matter should be directed to my address or email provided above. 

Failure to comply with this request may result in legal action to protect my rights under the aforementioned Act.

I have attached supporting documentation, including copies of my identification, to verify my identity. Please use this information to conduct a thorough investigation and update my credit report accordingly. 

I appreciate your urgent attention to this matter and expect a resolution within the stipulated timeframe. 

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

There is wrong information on my reports which are causing financial harm to me and my family. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX