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

Please see this date and accounts that are in inaccuracies : 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

My credit report with equifax show a mortgage of {$5100.00} that loan was cancelled by XXXX XXXX I send them a letter by XXXX that says this loan is cancelled but they did not take out of my credit report and that is hurt me with my credit.
Product: Checking or savings account

Someone attempted to deposit a Fraudulent check for {$5000.00} at a Bank Of America in North Carolina with a bank card in my name. I wasn't aware of what was going on due to it being an account I hardly used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.
Product: Credit reporting or other personal consumer reports

I spoke with both creditors listed below and uploaded both responses at this point they informed me that they are not responsible if you TRANSUNION decide to continue to furnish INACCURATE information. 
TRANSUNION you are in clear VIOLATION of my rights under the FCRA you have failed to conduct proper reinvestigation. I requested that TRANSUNION to do an investigation on the accounts below for accuracy accounts came back verified. I do not believe an investigation was done because its no way the accounts would come back verified as accurate due to the large discrepancies and information mismatch highlighted in the attached documents. This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation YOU Transunion have damaged my reputation ; I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and REMOVE these Erroneous, inaccurate accounts from my Consumer report!!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty : a moral or legal obligation ; a responsibility.

Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something.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. 
Creditor : XXXX XXXX XXXX Account Number # XXXX 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. 
Creditor : XXXX  XXXXXXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

The continued reporting of this INACCURATE information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information ; you have caused me and my family severe harm.This is a final opportunity to Cure and DELETE these INACCURATE ACOUNTS! TRANSUNION you are willfully failing to comply with requirements of the FCRA with respect I am liable to consumer damages, or punitive damages of up to {$1000.00} if you continue to violate my rights.You ARE PROHIBITED BY LAW to furnish inaccurate information you TRANSUNION are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX  of the Federal Rule of Bankruptcy Procedure. 


Rule XXXX of the XXXX XXXX of XXXX  XXXX went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In the mid XXXX  's I had a checking account with US Bank. I closed this account with a negative balance and paid this balance in FULL. I have proof of payment both in writing and bank statement showing the payment. Over the last decade I have had multiple agencies reach out to me about pending civil litigation on behalf of US Bank to collect on this debt. the balance now being claimed I owe is double the original balance due to " fees and penalties ''. I have had to prove on at least 5 separate accounts most recently today that I have paid this debt. I feel at this point I can be sued for debt paid if I ever happen to lose this receipt. I also do not understand why this debt is still being sold to agencies when it has been paid, At this point I do not know what my options are.
Product: Checking or savings account

On XX/XX/2019, I submitted a mobile deposit for {$30.00}. The check was issued by XXXX XXXX XXXX, check number XXXX. After speaking with a represenative on XX/XX/2019, they identified that the check was returned due to XXXX. At which time BBVA Compass initiated a charge back for the dishonored check and charged a Returned Deposit Item Charge of {$15.00}.

My call was to request information as to why the charge back occurred and to obtain written verification of the actions taken on the account regarding the deposited check, charge back and fees associated with the returned item. The letter was to be used as verification of the returned item and fees so that I could collect the {$30.00} fee owed and the returned check charge of {$15.00} from XXXX XXXX. 
While the reason was verbally provided. When asked for a letter from BBVA Compass, the agent advised that I needed to go to a branch to obtain the letter. I explained that I have a full time job starting at XXXX. Then, work business for self in the evenings and weekends, I do not have the time to take off to go to a branch. Expecting to be provided options, I was met with resistance and sarcasm when I asked to submit a complaint. The agent was unprofessional, was not aware of company policy/procedures, did not provide alternatives and generally uncaring.
Product: Mortgage

I currently have a home mortgage that is serviced  by Ocwen s ince around  XXXX   XXXX .     For the second time ( in as many years ),  Ocwen ha s declared that I do n't have the required flood insurance coverage for my home ( I live in a  XXXX  area so  XXXX  Florida ) and sent me correspondence that they plan to purchase flood insurance unless I can provide them with proof of existing coverage.     My homeowners insurance is a comprehensive policy that includes flood insurance and this is clearly stated on the declaration page. My wife and I spent weeks last year educatin g Ocwen  about our  XXXX  policy and had to escalate their lack of understanding through many layers  of Ocwen m anagement before we were able to get them to admit their error ( in writing ) and stop them from purchasing flood coverage ( at an exorbitant cost AND significant profit for   Ocwen ).
Unfortunately, it appears that there was zero learning within Ocwen as I received a demand letter from Ocwen tod  ay (  XXXX  ) stating that I am again missing flood insurance and that they planned to purchase the required coverage unless I could demonstrate coverage. My  XXXX  homeowners policy   is exactly the same policy as last year ( same company and agent as last year ). My strong belief is that Ocwen uses this process ( claiming missing insurance coverage when it is in fact in place ) to generate significant additional revenue for them.
By the way, in the ~14 months that Ocwen has been servicing my loan ; this is the third major error on their part. They are just terrible at doing their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my XXXX account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping XXXX + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX bucks which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.
Product: Credit reporting or other personal consumer reports

I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.
Product: Credit card

The promotional card was issued for interest free payment plan and was assured that all the payments will be taken during the interest free period. 

Unfortunately, we discovered that the bank charged large interest payment and did not even made an attempt to contact customer for this upcoming charge. 

It was discovered after 3 months as the card was on auto payment mode. 

The bank was contacted and requested to not charge {$2000.00} on less than {$1000.00} outstanding. 

the bank refused and closed the account, Request is to address with bank to remove all fraudulent charges in form of interest rates charged while selling product as interest free card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax credit report I noticed some fraudulent inquiries and according to the ( FCRA ) these inquiries are an authorized and verifiable and must be removed from my credit report XXXX/XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX- XXXX XX/XX/2022 2022
Product: Debt collection

I have been trying to get XXXX XXXX XXXX to respond to my requests to validate the date since XX/XX/XXXX. Here are the many violations : 1. I never received ANY calls from XXXX 2. I never received a Dunning letter 3. I found this account while revieiwing my reports on XXXX XXXX 4. I sent a letter via regular USPS on XX/XX/XXXX asking for verification- no response 5. I disputed with the credit bureaus and they all said the debt was verified.

6. XX/XX/XXXX I sent a certified letter to XXXX trying to info on this account XXXX. NO RESPONSE 7. I sent the no response and proof of delivery to the credit bureaus to get the account removed per the FCRA, they responded the account came back " verified '' 8. I sent certified letter AGAIN to XXXX XX/XX/XXXX XXXX NO RESPONSE 9. I again sent ALL letters with Proof of delivery to XXXX and XXXX on XX/XX/XXXX to remove XXXX because they have not responded. To date, no response 10. the account was never marked " disputed '' on my credit report which is a FDCPA violation.

11. XXXX keeps changing the amount owed that they are submitting to the credit bureau. In XX/XX/XXXX they reported XXXX, today they are reporting {$75.00} and {$370.00} for the EXACT SAME ACCOUNT. This is a clear violation!
Product: Credit reporting or other personal consumer reports

I am filling a complain 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. Subsection 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) U.S.C. Subsection 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File number XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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
Product: Mortgage

Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with experian and XXXX. XXXX confirmed their information to the bureaus. My credit reports have not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, TransUnion, and XXXX, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Product: Debt collection

On XX/XX/2022 I sent Hunter Warfield a letter asking them for validation on an account listed on my credit report. Instead of complying with my request, the company insisted on sending me alleged bills of some kind. The bills that they sent me wouldn't even classify as VALIDATION, it would be VERIFICATION if the account was indeed mine I thought as a collection company, they would be informed on what constitutes as VALIDATION but to make sure there aren't any further misunderstandings, I will describe to them exactly what I am looking for when referring to VALIDATION. 
I am requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Attached to this complaint is also a cease and desist letter describing the only method of communication that can be used from this point going forward. Communication about this debt through mediums such as the credit bureaus will constitute as a breach of the cease and desist and proper litigation will follow if the order is ignored.
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 XXXX Account Number : XXXX Account Name XXXX 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.