23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for the Housing Assistance Fund on XX/XX/XXXX in the amount of {$740.00} for 18 months towards my mortgage. My mortgage was sold from XXXX XXXX to Flagstar also on XXXX I took all the necessary steps to have the HAF payments redirected to Flagstar and confirmed with Florida HAF they had updated the mortgage information. Since that time, Flagstar has not applied any funds to my loan. I have contacted them on multiple occasions, phone calls on XXXX XXXX XXXX XXXX and XX/XX/XXXX as well as chat contact on XXXX. In my initial phone call, the Flagstar representative told me they had received funds but not yet applied them. In my follow up chat on XXXX  the representative told me they had received two payments in the amounts of {$740.00} and {$940.00} on XXXX  I thought the situation had been handled at that point, but none of that was ever applied to my loan. In my follow up phone call on XX/XX/XXXX, the representative told me they could not account for the {$940.00} and only saw the {$740.00}, which again was never applied to my loan. I was told a trouble ticket would be created and they would investigate where those funds went. During my phone call on XX/XX/XXXX, I was told by a representative that because I had made the current payment, all HAF funds would be returned to the state. I thought that was incorrect and was able to speak to a supervisor who told me that was not the case. She explained that the funds come in a lump sum and it takes a while to have them dispersed, but she could not confirm for me that Flagstar had received any funds from Florida at all. I was told an escalated trouble ticket would be created for their HAF team at that time. I was never given any updated status or resolution. I called again today, XX/XX/XXXX and was again told an escalated trouble ticket would be sent to the HAF team. However, this representative told me that they had applied HAF funds dating back to XXXX. That is absolutely not the case and is not reflected anywhere on my statements or their online transaction history portal. 
I have been trying to resolve this issue since XXXX. On top of being financially strained, I am stressed and extremely frustrated at the complete lack of communication and varying answers I have received. This needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 an account without my written instructions.
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 U.S.C 1681, I advised Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, the credit agencies all stated everything was complete, and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

Also another violation is 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires I don't recognized
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for an examination of the challenged account, which the 3 Credit Bureaus said was verified, in writing on XX/XX/2022. I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about this specific account in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. 

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

I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
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Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
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Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.
Product: Debt collection

McCalla Raymer Liebert Pierce, LLC has engage in unlawful conduct in attempting to collect a consumers debt. prohibited by the FDCPA.
The law firm who is subject to the FDCPA has refused to discontinue its illegal debt collection activities.
A lawsuit has been filed against McCalla Raymer Liebert Pierce, LLC and other third party defendants for violating multiple provisions of the FDCPA.
A copy of the lawsuit is included with this complaint.
A partial list of the violation are as follows : Threatening action that the debt collector does not have the authority to pursue.
By initiating an illegal non-judicial foreclosure action.
Violation of 15 U.S.C. 1692f ( 6 ) a Falsely representing the character, amount, or legal status of the debt.
Violation of 15 U.S.C. 1692e Attempting to collect a debt that was discharge in Chapter XXXX  bankruptcy.
Violation of 15 U.S.C. 1692e Failing to verify disputed debt.
Violation of 15 U.S.C. 1692g ( b ) Falsely implied to ( CFPB ) in the consumer response this debt was sold on XXXX XXXX, 2017.
Violation of 15 U.S.C. 1692e ( 10 )
Product: Credit card or prepaid card

Case number XXXX Bank Of America NA In XX/XX/XXXX I received a XXXX XXXX gift card for enrolling and meeting certain requirements for a Bank Of America credit card sponsored by the XXXX XXXX XXXX. In XX/XX/XXXX I tried to use the card and was told by XXXX that the card was never valid. I then contacted Bank of America who insisted the only way to get a new card was to mail them the old card first. I explained to them I could do this but then would have no proof that I owned the card. Instead I suggested that they take the serial number of the card and check it for themselves, they refused. I than suggested they email me or send a letter giving me directions as to an address. They would only give me an address over the phone. I than agreed to send the card but only by registered mail which I expected them to pay for. They refused. I then contacted the XXXX, they were able to contact BOA and arrange a new card sent. They were given an address to give to me to send the old card back after I received a new one. While I did get my card it was not without many phone calls various agents and managers and what bothers me most is I do not have one shred of documentation that this activity took place. If I died tomorrow the entire episode would die with me. Worst of all it seemed like the Bank felt they could do and say what they wanted. Thanks
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - XXXX - {$4300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my ongoing dissatisfaction with the handling of fraudulent items on my credit file. Despite multiple attempts on my part to rectify the situation, the fraudulent items persist, and I find the repeated lack of resolution to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and are falsely reporting on my consumer report. I request that all accounts and inquiries be removed from all credit bureaus immediately. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXXXXXX {$2400.00} Hard Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around XXXX charge offs for the one account. I'm currently going to court over the issue now. Company is XXXX credit bureau, XXXX XXXX XXXX XXXX, Texas XXXX.
Product: Debt collection

Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. 
The agency goes by the name of Receiver Performance Management. Their phone number is XXXX
Product: Debt collection

XX/XX/year> " POTENTIAL SPAM '' call received. NO name provided. City : XXXX XXXX, CA. 
Caller number : XXXX. 

Called number and got a woman. She wanted to record call. Did not give permission. 
I asked what is the company name and to spell it because I did not understand the automated response when I returned the unanswered call. Reply to questions : IC System. XXXX XXXX, MN. 

I called the number that called me and got an entirely different state! SCAM, I think, especially after XXXX showed POTENTIAL SPAM. 

Upon researching the phone number online later, I found the business name is really XXXX XXXX. 

I have ALWAYS paid what I owe. I have never received a VALID call regarding PAST DUE accounts. 

I hung up after explaining the phone number was Potentially Spam and it appears to be to me as well. 

I BLOCKED THEIR NUMBER but I am sure they have many numbers to choose from. 

I NEVER WANT TO HEAR FROM THEM AGAIN.
Product: Debt collection

I rented an apartment 3 years go. I left the rental company and contacted the management company and paid all the debts they required of me. I have proof of all email correspondence as well as the payments that I submitted. I was never reached out to from the rental company until I was called multiple times from a number I did not recogonize. It wasn't until I started looking for homes and checked my credit score that I found they had put something up for collections.

I successfully disputed the claims for the collections of payment with that collections agency and the claim on my credit score was taken off.

The rental company has then gone to a separate collections agency and has placed another claim on my credit score. I've reached out multiple times to the collections agency and they have no responded. I've called, emailed, and left a review on XXXX. I then sent an email to what they had given me and I have not received any information. 

I've disputed the claim again on XXXX and XXXX. It's been 30 days and they have not responded to the dispute. 

This has affected my ability to purchase a car as well as apply for apartments with my recent completion of an international relocation. 

The rental properly is Retreat at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The management company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Source Receivables Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was wrecked and it took them almost XXXX years to report it closed and off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account.
Product: Vehicle loan or lease

On numerous occasions VW Credit ( the " company '' ) has deactivated autopay claiming the account was invalid, and requested a voided check. After sending this an activation notice was sent ; however, checking today I see the auto pay is disabled again. The reason given is " the bank rejected it '', but the bank claims that no such request was made, nor a request to process a payment. Furthermore, this exact account number is used for other autopays, including a vehicle. 

The company is unwilling to fix their software and is making it very difficult to deal with as I must regularly -- over 6 months now -- babysit payments, which was not what was agreed upon.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was supposed to be XXXX. i also have phone numbers on my report and addresses that were never mine on report. please help im trying to pay all debt