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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland mortgage company in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the XXXX and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!
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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ===================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Southwest Credit Systems failed to provide a validation of debt. I have not received any documentation of this debt nor a contract with Southwest Credit Systems with my original signature on it. I have also checked on XXXX for the states in which the company is licensed to collect debt, and New York State is not listed,
Product: Mortgage

I received a letter from bofa about how to remove private mortgage insurance from my loan. The original sales price of the house was {$48000.00} and the current balance is {$37000.00} which means I have just under 22 % equity. The very first sentence in the letter says : current the loan to value ratio of your loan, which is based on the original sales price has n't met the established 80 % LTV requirement which is not true. When I called the number on the letter to inquire the representative contradicted  2 f acts in the very first sentence of the letter - she stated that the  LTV  they like to see is 75 % and it is based on the original loan amount not the purchase price as clearly stated in their letter. This seems misleading and unethical. I was told the only way to drop the pmi is to pay {$520.00} for a new appraisal.
Product: Debt collection

Disputed with XXXX to remove false information. XXXX  XXXX data breach exposed my information. then *Portfolio Recovery Associates*buys and XXXX of XXXX  and put on my credit report. 
1.XXXX  XXXX 2. PORTFOLIO RECOVERY ASSOCIATES Then there's the matter of my information application to 2 credit cards. 
XXXX XXXX XXXX Hard pulls i did not apply for. Company has told me that im not in there system and they don't know why. Told to contact credit reporting company to have remove.
Product: Debt collection

I had a XXXX XXXX phone from XXXX. As the phone was defective, I ended my service with XXXX by a phone call to customer service and returned the phone.At no time did they say I would have a following bill, and if I did have one, assumed they would auto pay from my credit card on file as thats how billing was set up. With no preceding bill or email ( even though I continued to get emails on other subjects almost daily from XXXX ) XXXX  sent my account to States Recovery Systems , Inc, a debt collection company, showing an overdue bill of {$40.00}. I called XXXX immediately. When she could refer to no email showing a bill, she waived {$10.00} in late fees. 
They hadnt charged my credit card on file, as their system wont process through the credit card after service is ended. On XX/XX/XXXX I paid {$30.00} via credit card on the phone. I received an email from them showing the waived late fees, the credit card payment, and showed my balance as XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX and States Recovery both said States Recovery had not been notified of my payment in full. On XXXX I received XXXX emails from XXXX, XXXX ( XXXXXXXX XXXX XXXX saying they couldnt accept my payment ( even though my credit card was charged and not refunded ) and one ( XXXX XXXX XXXX  acknowledging the payment and that my balance was XXXX. I did dispute the debt in writing and on XXXX XXXX contacted XXXX requesting confirmation on the status of the debt. As of XX/XX/XXXX, they have had no response from XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX  XXXX # XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate my consumer rights and the law but telling u that they are doing there job and following rules which i proof multiple time with document of how they just put all the accounts in dispute on XX/XX/XXXX but now it comeback as updated but they will tell u that they doing there job.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE FRUD THIS ACCOUNT IN MY NAME .. # HELVEY AND ASSOCITONS XXXX XXXX 15 USC ..PRIVACY 1681 602 STATE THAT HAVE THE RIGHT TO PRIVACY ... ... 15 USC 1681 604 IT ALSO STATE A CONSUMEER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN STRUCTION ..... THIS ACCOUNT IS FRUD
Product: Debt collection

This complaint is one more attempt to get a fair solution to this issue with Bank of America. I have called them several times and explained my situation but they've ignored me and they just wrote a note on the account. 

The account was opened fraudulently. I was told by the BOA customer service representative that as soon as the account closing happened, the money was going to be taken out of my savings deposit account and that I didn't need to pay. Despite this, BOA still ended up reporting account as a charge-off. 

Now Im unable to get a mortgage, Im asking that this account be removed from my credit report as soon as possible. This issue has caused several financial and emotional damages. All I am asking is what is fair. 

The account information is as follows : Bank of America credit card, credit limit {$300.00}, date opened XX/XX/2018.
Product: Mortgage

I am currently in a suspended forclosure process with Wells Fargo Home Mortgage. They have approved me for the federal HAMP modifaction processing and have well over estimated my income by about {$10000.00}. After sending in an appeal they denied my first appeal to review my income information and a second appeal to review the HAMP regulations according to Section 3.2 : Servicer Escalated Case Management they have refused to further review the case and are preasuring me to agree to an incorrect modification that would put me right back into a forclosure with-in months of accepting their terms.
Product: Checking or savings account

On XX/XX/2022 I was alerted of my online banking login being accessed by someone who wasnt me I immediately reported it to my bank instead of them helping me they took my money overdrafted my account gave me the run around all week havent even allowed me to access my own account only for them to close my account when Im the victim of a scam was told I was apart of the Scam this is and when I asked for my account to be escalated to a manager or the highest person who can handle the situation I find it funny and convenient that now the accounts closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Checking or savings account

Had a XXXX XXXX account from someone in another state filtering my money to their account since XXXX last year. Over {$1000.00} and FOUND BANK refuses to reimburse and secure my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are not responding to my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

There are thirty hard inquiries on my Transunion report that I do not recognize. They are as follows : XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXXl Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXt Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice when I was looking at my hard inquiries and soft inquiries when I did apply for a XXXX XXXX card they pulled my credit 3 or four times on the same day. That is something that should be flagged why would a credit bureaus allow that. Let a company pull someones credit report the same time in even two consecutive days. One had the last three digits changed to LLC. Something does not look correct. I know I had a XXXX XXXX credit card on my XXXX XXXX credit card before I closed the account I sent a new one and the phone number was not correct on the back. So I closed the account. I do not trust this bank ever again. I had to get the correct phone number from my mother to call while back. I am not understanding why they would pull my credit report many times. I would like this to be investigated with XXXX first before the bank I dont even know what is the correct bank to send it to I will send the attachment were inquiring were inquiries then you guys can decide what is the correct place to send it to.
Product: Debt collection

As of XX/XX/2023 ( date of complaint ), I am less than 30 days past due on a payment on my account with Ollo. I've run into minor financial issues due to the loss of my fiance in XXXX, but the past due payment will be resolved as of XX/XX/2023 ( all payments caught up to current ). Ollo has called my cell phone 14 times since XX/XX/2023, with some calls coming back to back. Given that the account is only 16 days overdue, this seems rather excessive and borderline harassing. I've had a good experience with this credit card prior to this incident, but this ordeal has put a pretty bad taste in my mouth and has put me off of doing further business with them.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Student loan

In XX/XX/2018, I set up a recurring payment in the amount of {$550.00} to cover the amount due monthly to XXXX Heartland, the loan servicer for 3 loans I hold at XXXX XXXX. Since then, the money has been debited from my bank account, and I have received no notice that anything has gone wrong. Today, I got an email from XXXX XXXX  stating that one of my Perkins loans was two months delinquent. When I logged in to my XXXX account, I found that my monthly payment had not been covering the full amount due for my loans, and that one of my Perkins loans was 2 months delinquent despite my automatic payments. 

When I called XXXX for assistance, they told me that the automatic payment of {$550.00} was not covering the full amount of the loans because the loans had started to accrue late fees due to the payments being posted on the XXXX of every month when the loans come due on the XXXX each month. Because my payments were being made late every month ( instead of being made on the XXXX to cover the payment due on the next XXXX, as I assumed ), they had been taking part of the money supposed to go toward one of my Perkins loans and instead applying it to the late fees, causing my loan to show that it was delinquent for two months. When I asked them how it was possible to set up an automatic payment on a date past the date when the loans were due, they let me know that there is no protection in their system to prevent from this, so they just allowed my automatic payments to proceed without any adjustment or notification that the loans were being paid late every month. This explanation, quite simply, is ridiculous. Automatic payments are meant to be set so that the payor does not have to log in to his account every month and make sure the correct amount is being paid. XXXX has set up a system in which they are able to collect late fees by allowing people who are attempting to diligently pay back their student loans to make late payments, and this practice is both ridiculous and predatory.
Product: Credit card or prepaid card

Two fraud charges made on a Bank of America credit card were initially reversed and then later charged back to me by the bank. The two fraudulent charges were made onXX/XX/XXXXfor the amounts of {$270.00} and XXXX. When the fraudulent charges were discovered by me, Bank of America was called immediately and the card was deactivated. Bank of America never did their due diligence to notify me of the unusually large amounts charged to my account and never protected my account. Subsequently, I have made two phone calls to the bank 's fraud department on XX/XX/XXXXand XX/XX/XXXX re-stating my case of fraudulent activity. To date, no action by Bank of America has been taken to reverse the fraudulent charges. This impacts my ability to use the card since my maximum limit is {$800.00} and impacts my credit score for having a high percentage of card utilization for fraudulent charges.
Product: Credit reporting or other personal consumer reports

On XXXX company has failed to provide a description of procedure in which they use in providing inaccurate information on my report.
Product: Mortgage

My mortgage is serviced by Specialized Loan Servicing. Today I received a phone call from the company asking me what my intentions were for the property. I told them I didn't understand the question. At which point they informed me the call was not an attempt to collect a debt because it had been discharged in bankruptcy on XX/XX/XXXX. This loan servicer has had the debt since XXXX, prior to that it was with XXXX  XXXX XXXX. The trouble is that neither myself nor my husband who holds the debt jointly with me have ever declared bankruptcy. 
I asked the agent for more information and she said they would research it. This loan also escrows tax liability as well as homeowners insurance yet they informed me that I was not required to pay the amount due. However there is a lien on the property and I am paying down the lien. 
I requested more information about the bankruptcy and they could not put me in contact with anyone who could immediately resolve the issue. It is very disturbing that this information is not available and I don't want to wait devote an enormous amount time and energy to fix this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I recently submitted an complaint regarding Experian Investigation regarding their right to report inaccurate, errors, unverified information on my credit report. The E-Oscar method has to stop because it does not show if a " real human being '' is collecting data, investigating and providing a verified documentation on file with respect to 609 of the FCRA.
Product: Mortgage

My previous complaint was closed, but I am still having issues with Shellpoint Mortgage/New Rez. Despite stating IN A LETTER dated XX/XX/2023, that they would honor the agreement made by the previous servicer, they have been slow-dragging the process and stringing me along without adequate communication. Several times I have uploaded COMPLETE loss mitigation packages : in XXXX and XXXX. Nothing happens and I am later told documents expired or they were not legible after calling repeatedly. I even made an appointment to see representatives in person on XX/XX/XXXX I believe when they came to the XXXX area. I went and turned in documents in person and was told they had everything they needed only to find later that someone declared them illegible. Then, without a decision on my packet, the mortgage servicer set an auction date. How is this possible? This appears to be a violation of the Real Estate Settlement Procedures Act ( RESPA ). I received a letter for an auction date of XX/XX/2023, while my loss mitigation packet is PENDING. I am being constantly harassed by vulture investors calling, messaging, and stopping by my home. This is extremely stressful. I really feel they are doing this in a passive-aggressive move to try to force me to conserve selling. I do not believe my mortgage servicer is acting in good faith. I plan to find a foreclosure attorney and sue.
Product: Debt collection

Allegiance Accounting Services contacted me via phone number XXXX on XX/XX/19 stating that I owed a debt to XXXX XXXX. They had all the information, bank account information, drivers license number, last 4 of my social security number and stated they legally had to call me and tell me that on XX/XX/XXXX at XXXX they would be filing suit against me for the debt. I contacted my lawyer who stated to not pay the debt it was a debt collection scam. I also contacted the original debt owner, XXXX XXXX XXXX who advised that the company calling me was not the company that had the debt. They advised that it was fraud and to file a complaint with FTC about the occurrence. XXXX was professional with their help and stated to not pay the debt. A debt collector sends collection notices through the mail they do not call in attempt to collect debt. 

Alligiance Accounting services had contacted me a total of 5 times this day stating that they would file suit if I did not pay the debt and sent a link after i requested all files on the debt to be sent to me via mail and email, the link was to pay the debt only not any other documents.