23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XXXX/2024, and XX/XX/scrub>/2024, requesting for accounts to be removed from my credit report. I've also requested for the investigation was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when that response was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report 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 have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting for these accounts to be deleted Immediately, Accounts are XXXX University : XXXX, XXXX XXXXXX/XX/XXXX XXXX, and XXXX of XX/XX/XXXX XXXX : XXXX.
Product: Mortgage

Mortgagee letter XXXX dated XX/XX/XXXX, XXXXPage three ... .states, " Mortgagees must inform Borrowers suffering financial distress that these additional resources may be available through their state. '' However when I speak with representatives at Flagstar, they indicate that they have no knowledge of the HAF. I spoke with representative from Flagstar on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each time I engaged the representative regarding my intention of applying for HAF funds through the State of Texas upon implementation of the program, not one of the representatives had knowledge of the HAF in clear violation of the Mortgagee Letter references above. I can not enter into a good faith conversation with Flagstar on a path forward since my Covid Forbearance will be expiring on XX/XX/2021. Using Flagstars ' guidance i have started the reinstatement process. From my research ( US Treasury Website, HUD HAF Income Limits ) from a financial stand point I qualify however if my loan is fully reinstated prior to the program opening much less my potential approval it will be too late since I have fully reinstated my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On X/X/2017, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Product: Debt collection

I have no knownledge of this debt. This collection never sent me anything to give the opportunity to this dispute. The debt collector is not allow and is not license to collect in my state THIS should be reported to the attorney General and the secretary of State AS WELL of the FTC. 

FIND MY COMPLAINT LETTER BELOW. REQUEST TO VALIDATE THE DEBT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAKEFIELD & ASSOCIATES Dear Sir or Madam, I'm reaching out to ask for a detailed verification of the debt listed below, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I would like you to provide evidence that I am indeed responsible for this debt. 

Creditor : WAKEFIELD & ASSOCIATES Account Number : XXXX Claimed Amount : {$790.00} This request should not be seen as an admission of debt or a refusal to pay what's rightfully owed. It's simply a step to ensure the validity of the claim. 
Under the FDCPA, please provide : XXXX. 
The total amount claimed, including any additional fees. 
XXXX. 
A thorough explanation of the debt, with the original creditor 's details and a breakdown of all transactions. 
XXXX. 
Any contracts or agreements signed by me that substantiate the debt. 
XXXX. 
Evidence that the debt is not beyond the statute of limitations. 
XXXX. 
Your company 's license number in Ohio and the name of your registered agent. 
XXXX. 
Details of any court judgments, if applicable. 
XXXX. 
Confirmation that you're authorized to collect debts in Ohio. 
XXXX. 
Proof of your licensing in Ohio, along with the license numbers. 
I kindly ask for these documents within the next 30 days for my review. Should there be any reporting to credit bureaus before validation, I expect it to be paused until the matter is resolved. If you can't prove the debt or your authority to collect it, please stop all collection activities and remove the information from my credit records. 
If I don't receive the requested documentation within 30 days, I'll have to consider further action, including filing complaints with legal authorities. 
Please send all correspondence to the address above in writing. 
I appreciate your attention to this matter and hope we can sort this out quickly. 
Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have tried sending in complaints and they will not help me
Product: Credit reporting or other personal consumer reports

I decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDUXXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, unverifiable account information to the credit bureaus and is doing so without having first contacted me regarding the account being reported as having XXXX as the original creditor for the dollar amount of {$370.00}. In a recent report to the CFPB, XXXX XXXX XXXX stated that the account in question is for a debt owed allegedly owed to XXXX XXXX in the amount of {$220.00} ( See attachment ). XXXX XXXX XXXX also went on to state that I informed them that I did not wish to be contacted regarding the debt reported as originally belonging to XXXX, which is false ( See attachment ). I have never had any contact nor communication with XXXX XXXX XXXX outside of my formal complaints to the CFPB and each of the three major credit reporting bureaus XXXX, XXXX and Experian. Direct communication with XXXX XXXX XXXX has never happened. I want to see proof that I was ever contacted by XXXX XXXX XXXX  via Certified Mail or a recorded phone call regarding any of these debts prior to them being reported to the credit bureaus. If this is not possible, these debts should not be allowed to be a part of my credit file, because that is a direct violation of federal consumer protection laws and the bureaus have a statutory obligation to protect consumers from unlawful debt collection tactics and dirty tricks such as this, deployed by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and/or XXXX, in an effort to collect on any debt, whether or not the alleged debt is valid. My complaint was originally based upon the fact that XXXX XXXX XXXX was illegally reporting this debt to the credit bureaus without first having made any attempts to inform me about its existence. It's impossible for XXXX  to collect a debt on behalf of XXXX and vice versa, as these are two entirely different entities and it can not be verified which debts, accounts, or amounts are accurate due to the multiple inaccuracies and inconsistencies provided by XXXX XXXX XXXX XXXX XXXX . I have no knowledge of any debts that I am responsible for with neither XXXX, XXXX XXXX, nor XXXX and respectfully demand that the following accounts be deleted from my credit reports immediately on the basis that they are invalid, do not belong to me and are being inaccurately reported : XXXX XXXX acct XXXX # XXXX ( {$190.00} ) XXXX XXXX acct. # XXXX ( {$3200.00} ) XXXX XXXX Services acct. # XXXX ( {$370.00} ) XXXX acct. # XXXX ( {$610.00} ) XXXX XXXX acct. # XXXX ( {$220.00} ) None of these accounts make any sense and are so inaccurate that any attempts at updating or correcting them would only cause further undue harm to my credit score on the basis of trying to make sense of jumbled and mismanaged account data being furnished by XXXX and/or XXXX to XXXX XXXXXXXX XXXX XXXXXXXX At this point , it is clear that XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX are attempting to collect a debt that either does not exist or actually belongs to a different person, because I owe no such debts and have never had any such accounts with any of these creditors.
Product: Checking or savings account

I contacted XXXX on XX/XX/XXXX after days of being unable to log into my account. I called the phone number : XXXX and emailed XXXX pictures of the System Error message. I was told to reset my account password as well as try a new browser with cookies reset, use the mobile app, and try to log in through a fresh XXXX XXXX and XXXX XXXX browser. 

After attempting all the above suggestions, I still could not log in to my account to view my XXXX Account information or records. Since the error message said this was an issue that was to be resolved by the System Administrator ( as I could log into my account, just not bypass the System Error page ). I was informed that IT would take a look at the issue after their manager would reach out to them. 

On XX/XX/XXXX I called XXXX at the same number again, and emailed the same pictures of the error message XXXX after being requested for images of the System Error message again. I was informed that IT would look at the issue. 

On XX/XX/XXXX XXXX responded to my earlier emails to request me to try logging in with the mobile app. I responded that it still did not work. I was also informed that IT did not have a response to their manager yet. 

On XX/XX/XXXX I called XXXX at the same number again to inquire about any possible updates from IT. I was informed by the agent then that a ticket would now be filed to IT regarding my issue. I was confused, as I had thought that a ticket had been filed on the XXXX, which would mean that about a week had gone by without an actual ticket being filed towards the issue. I was then informed that I would receive a call by XX/XX/XXXX from the support manager, no matter if the IT team had an update or not, just to keep me in the loop of the progress towards fixing the System Error to allow me to access my account. 

On XX/XX/XXXX I did not receive a call from XXXX, so I ended up reaching out to the same customer support number at XXXX Pacific time, as I was anxious to be able to access my account information and funds. I spoke briefly to the support manager : XXXX who informed me that they would upgrade the priority of the ticket. 

I have not received any updates/calls from XXXX since the XXXX, where I had to reach out to them even though I was promised an update. I'm concerned that XXXX is not prioritizing serious technical issues that prevents their customers from being able to access urgent funds that are pertinent to their health insurance. Furthermore, the consistent lack of communication from XXXX does not inspire any faith that they care about the safety of their customers and their health insurance funds.
Product: Mortgage

On XXXX XXXX, 2014, XXXX XXXX XXXX , XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). The recorded/filed Assignment of Mortgage currently being used was robo-signed by robo-signer XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX did [ n ] ot exist on XXXX XXXX, 2014 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of XXXX, XXXX on that date. XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, 2014. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, of Shapiro, DiCaro & Barak, LLC are attempting to foreclosure claiming ownership based upon the above referenced information and a robo-signed Assignment of Mortgage.
Product: Credit reporting or other personal consumer reports

LVNV keeps fraudulently reporting XXXX collection accounts on my XXXX credit report. I have no contract with this company, and I have repeatedly asked for them to produce a contract with my signature on it, stating I was responsible for this debt they claim I owe. They have failed on numerous requests to produce a signed contract. I have disputed this account with all 3 credit bureaus. XXXX wont delete these inaccurate accounts. These accounts are negatively affecting my credit score and need to be deleted immediately for falsely reporting!
Product: Debt collection

I have a collection from XXXX that has repeatedly appeared on my credit report. The original company, XXXX XXXX XXXX, failed to take my name off of a cable bill when I moved from Ohio to Pennsylvania in XX/XX/XXXX. This item has been bounced between CBE Group & XXXX XXXX in the last 3 years. I have contacted each company repeatedly to say 1 ) it is not my debt and to ask XXXX why they did not do their job and 2 ) to stop contacting me. CBE Group now calls my work number repeatedly ( XXXX pm XXXX, XXXX pm XXXX, XXXX pm XXXX, XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( 3 times that day ). 

If CBE Group refuses to cease contacting me about this debt and does not remove it from my credit reports ( even though I have disputed multiple times ), I will have no choice but to take legal action due to them violating the Fair Debt Collection Practices Act ( FDCPA ). They need to contact XXXX ( or XXXX or XXXX or whatever they are called now ) and tell them that this debt is not collectible. I am not responsible for XXXX making a mistake and should not have my credit ruined due to poor record keeping.
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 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.
Product: Mortgage

I applied for a refinance of my mortgage to get cash out for a few home updates. My husband is a veteran so we applied for a VA loan as they typically have less fees. I was asked if I had any delinquent XXXX loans. I explained that I had never been to college so that was not even an option. 
I was told it was my job to figure out why a XXXX report was showing a defaulted account. I called the number provided to me by the director over our mortgage processor. I spoke with 4 people within the federal department of education who took my social and DOB and confirmed all 4 times that nothing was showing under my information. I provided this information to rocket mortgage with the supervisors ID number and name. They told me they are still showing it on the caivrs report. I asked the director to be on the line with me when I verify, he refused. I asked him to call to verify, he refused. He has given us zero options and only makes excuses how its not our fault, its not something we can change I find it hard to believe there are zero options for them to verify that I do not have a delinquent loan. We were also asked to sign an intent to proceed where it showed we would owe them XXXX at closing. our current mortgage is only slightly over XXXX.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX Account Number : XXXX Bal : {$840.00} 3. XXXX XXXX Account Number : XXXX Bal : {$2800.00}
Product: Credit reporting or other personal consumer reports

I inquired about the verification process of my public records on my credit report because I am a victim of the data breach. Both transunion and XXXX stated that they verified through the courts clerk. I messaged the courts clerk and they assured that they DO NOT provide any information to the credit bureaus, which makes both investigations from the bureaus false and unauthorized verification investigations
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened a XXXX XXXX  credit card. I attempted to freeze my credit with Equifax. For some reason the online service would not allow me to freeze my credit after answering info from my credit file so I called Equifax. I could not answer the questions related to my credit report during the call The rep sent a link to my cell phone I selected the link and took a pic of the front and back of my drivers license and took a selfie. Then the rep continued to ask verification questions from my credit file such as whats the minimum payment due on my credit card. I always pay my credit card in full every month so there is no minimum amount due. Even though Equifax had a picture of the front and back of my license and a self proving I'm ME AND HUMAN they refused to accept this as verification and refused to put a freeze on my credit allowing more fraud activity to possibly occur. I'm XXXX XXXX XXXX I don't remember all that stuff they were asking and they had VISUAL proof of who I was!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continued to not follow up with inaccurate information on my credit report that they are reporting. I want to sue them for reporting false information on my credit report. 

I have mailed 3 different letters to Transunion, with confidential information in the mail, and they have indicated that they have not received any of my letters. I have the confirmation numbers for the letters that was sent as well. 

To Transunion, I give Transunion permission to remove the following hard inquiries on my account that I never applied for, due to fraudulent activity. I made a police report to the XXXX Police Department, under, XXXX File- # XXXX XXXX XXXX Last 4 digits- XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The inquiry was not authorizedXX/XX/WAYFAIRDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorizedXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XX/XX/TBOM Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

12. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

13. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

18. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

Thank you XXXX XXXX