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

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Duvera for reporting an unrecognized and fraudulent account on my XXXX and XXXX credit reports, with a balance of {$1700.00}. I have never opened, authorized, or agreed to this debt, nor have I ever received any prior communication from Duvera about it.

This is the first time I am disputing this account because I was unaware of its existence until I checked my credit report. Duvera has never sent me a bill, notice, or validation of this debt, yet they continue to report it as if I owe it.

At this point, I can only assume one of two things has happened. Either Duvera has incorrectly reported a debt I do not owe, without verifying its accuracy, or this is a case of identity theft, and Duvera has negligently allowed fraud to occur in my name. Either way, Duvera is reporting an account that should not exist, and this needs to be corrected immediately.

Since this is the first time I am hearing about this alleged debt, I am formally requesting that Duvera provide proof that this account belongs to me. They must provide a copy of the original signed application or contract proving I personally opened this account, a full account history including all billing statements, charges, and payments from account opening to charge-off, proof of goods or services provided and delivery confirmation showing I received any product or service related to this account, a copy of the original terms and conditions that governed this alleged agreement at the time it was opened, and a complete chain of custody and proof of ownership of the debt, including a notarized bill of sale proving Duvera has the legal right to collect this debt and all prior transfer agreements if this debt was sold or assigned to them.

I have never done business with Duvera, never signed an agreement, and have no knowledge of this debt. Duvera never contacted me before placing this account on my credit report. If this were a valid debt, I should have received a billing statement or notice. I have already submitted an identity theft report through XXXX, documenting this account as fraudulent. Duvera is reporting an unverified debt, which violates my rights under federal law. 

Since XXXX never provided me with any notice before reporting this debt, and this is my first dispute, they are now legally required to validate this account before continuing to report it. If Duvera had any legitimate proof, they would have provided it before placing it on my credit report. Their failure to validate this debt will confirm that it is fraudulent, and it must be removed immediately.

Because Duvera has failed to provide any prior notice or verification, I demand immediate closure of this fraudulent account and permanent removal of this account from my XXXX and XXXX credit reports. 

If Duvera refuses to remove this account despite their clear failure to validate it, I will escalate this matter by filing additional complaints with the Federal Trade Commission and my State Attorney Generals Office.
Product: Mortgage

I have repeatedly called and emailed Roundpoint Mortgage in order to have PMI removed from my loan. They keep telling me a XXXX will be scheduled ( picture taking session ) but then it never happens or they cancel the appointment for now reason. I have given them comparables and a list of upgrades to my house which is proof i shouldn't have to pay PMI. I originally started this process on XX/XX/2021 and have emailed them XXXX times and called twice since then. The emails do not get answered and the representatives tell me someone will contact me about the XXXX and it never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been struggling for months with an identity theft in which I have made thousands of steps and I still have not found someone to help me properly. I notified all the relevant agencies including the FBI, I keep trying to get SYNCRONIX bank to delete an account that I have not authorized to open and they want to charge me and they even sent me the card with the information they asked me for when I called to report That account did not belong to me. My credit score is still affected by this whole situation. I have my own business and it has affected me greatly since my accounts are all up to date and because of this situation I have my credit for the flat. I hope you can help me. I don't know English, but if you write to me I can translate on a page. This is a nightmare and everything is in English.
Product: Money transfer, virtual currency, or money service

I was scammed by a scammer who was running a fraud wholesale business online, there was a police report filed and all my evidence was turned into the police and I opened a claim with my bank, XXXX XXXX. The scammer was even flagged and had their funds frozen. However, they closed my claim immediately. Zelle and XXXX did NOTHING to help return my funds or even give me any kind of compensation. Ive seen numerous of other people who got scammed and their banks and Zelle does NOTHING to help victims. This sounds like a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  , XXXX. is showing on my equifax credit report twice. The company has sent notifications for removal since XXXX to Equifax and it is still on my credit report. Attached is the response from XXXX XXXX  validating the submission for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account # XXXX and # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A status, 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX assigned collection authority over account # XXXX in the amount of {$1100.00} was terminated and per CRA policy must delete their reported collection in avoiding their demonstration of two collections on the same reported debts should any new debt collector ( ie : XXXX XXXX XXXX XXXX XXXX ) obtain collection authority and report to the CRA. Therefore, I dispute the continued reporting of the terminated, unpaid collection. 

Pursuant to 18 USC 8, I owe no debt. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are violating my consumer right to privacy pursuant to 15 USC 1681 b 2. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct 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. 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15U. S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being. I have rights under 15 USC 1681. Equifax is a governed by USC 1681. And they violated my rigths numerous of times. I demand the account 's below to be removed please because according to 15 USC 1681. I have rights to privacy and did not give Equifax permission to furnish these accounts thank you.
Product: Mortgage

XXXX XXXX XXXX ( hereinafter " XXXX '' ) has been trying to get a loan modification for more than a XXXX. However, her efforts have not been met with the same intensity by Wells Fargo Home Loans ( hereinafter " Wells Fargo '' ). After working extremely hard to solve the present issue with her lender, she was offered a trial payment period ( hereinafter " TPP '' ). XXXX ' new modified payment was going to be {$2400.00}, at 4.5 %. However, in a later review, Wells Fargo found out that the title was not clean. The title presented several liens imposed by the XXXX Court in favor of XXXX XXXX XXXX XXXX XXXX, and their attorneys XXXX XXXX XXXX. XXXX XXXX ' loan modification was denied because she could not clear the title on time. She appealed said decision on or about XXXX XXXX, 2016. On XXXX XXXX, 2016, Wells Fargo denied her appeal based on the title not being cleared. XXXX XXXX reapplied for a loan modification and her paperwork is with the reentry team, since more than XXXX days before the sale date. The sale date has been scheduled for XXXX XXXX, 2016. XXXX XXXX was not aware or was not advised about this sale date. I spoke to XXXX XXXX from the reentry team today XXXX XXXX, 2016. He indicated that Wells Fargo was not going to stop the foreclosure sale because there was a change in the guidelines from the XXXX XXXX XXXX that did not allow a loss mitigation review on loans that are more than three years delinquent. He also indicated that this rule was imposed on XXXX XXXX, 2016. XXXX XXXX has also requested foreclosure mediation on XXXX XXXX, 2016 as it is her right to do so. Therefore, having foreclosure mediation scheduled is also a reason to stop the sale date to have enough time for a loan modification. As previously stated, the title is cleared now. It is only the XXXX XXXX for XXXX XXXX XXXX XXXX that is taking its time to process it. Attached please find documents that prove that the title is clean now. Wells Fargo has more documents in their possession that corroborates this claim, documents like receipts and letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was paid in full sometime XX/XX/year>. I had payments pushed to the back to the end of the loan and was not told that my maturity date would not be moved up. Apparently. even after I paid the loan off, it was after the loan should have been paid in full. XXXX XXXX XXXX reported my last payments ( {$2900.00} as written off ) on my credit report. This means they wrote that amount off as a profit loss. They failed to provide me with a 1099C so that I could write that amount off as income. They are still reporting the balance, like I still ow but it was paid in full and they wrote that amount off on there taxes getting a tax break and reporting it on my credit as if I still owe them without providing me a 1099c. This is fraud As per the FCRA, I can seek statutory damages if a creditor reports inaccurate info about a debt. XXXX XXXX XXXX did this by incorrectly reporting the debt was written off and still claiming I owe, and by not providing me a 1099C
Product: Mortgage

I was quite alarmed this morning when I went to confirm my bank balance in anticipation of a large purchase I was making and found that my balance was quite a bit lower than I expected. I looked at my transactions and found that my mortgage servicer had debited my bank account twice for my mortgage payment. My payment is debited automatically, a process encouraged by the servicer when initiating the mortgage. 

I contacted the servicer and asked what was going on and they indicated that all of their customers who had automatic debits for their mortgage payments were experiencing the same thing ; their bank accounts had been charged twice for their mortgage payments. I asked to speak to a supervisor who had no more information on why and how this had happened and when I asked to speak to a manager I was told that there were none present because it was too early in the morning. 

Since this servicer has hundreds of thousands of customers and I would suspect that a large number of them have auto debit for their mortgages, the total dollar amount involved would be considerable. Is this a scam? When will my money be replaced?
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, that I believe to be incorrect, unfair and it appears that the Department of Education is reporting inaccurate information under my Social Security number. I want to clarify that I have not been enrolled in school for an extended period, as I have been taking care of my ill husband, who sadly passed away on XX/XX/XXXX. This situation has greatly impacted my life and financial stability. Additionally, I have not inquired about student loans since my daughter was born on XX/XX/XXXX. She is now XXXX XXXX XXXX. Therefore, the reporting period they have, particularly the two months following my husbands passing on XX/XX/XXXX, seems both inaccurate and unjust. I kindly request that you investigate this matter and correct the information in my credit report.

The claims made against me for various amounts reported on XX/XX/XXXX, for accounts opened between XXXX and XXXX finally the last payment that was reported on XX/XX/XXXX is false/incorrect month and year. The specific amounts in question include Acct # XXXX Acct # XXXX Acct # XXXX, Acct # XXXX, Acct # XXXX, AccountXXXXXXXX, Account # XXXX, Account # XXXX, such as I owe yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Thank you for your attention to this matter.
Product: Credit card

Bank of America made the decision to close my credit card because they couldn't establish contact with me to verify personal information. They attempted to call me, but due to the fear of it being a scam, I didn't dare to provide personal information over the phone. Subsequently, they sent correspondence, which the USPS didn't deliver because I was out of town for personal reasons and couldn't receive it in time. Until XX/XX/XXXX, the bank took the drastic decision to close the credit card that I had maintained for over 8 years with an impeccable record. In my opinion, this was an unfair and radical measure. If it was for security reasons, they could have simply frozen it instead of closing it.
Product: Credit card

I purchased an airline ticket for XXXX in the amount of {$2100.00}. I was not allowed to board the plane to no fault of my own on the date of the trip. XXXX said I could use the ticket within a year. When I tried to use the ticket in XXXX, XXXX attempted to charge me an additional fee. I asked why this was the case and I was told they needed to research the situation and would get back with me but my seat was reserved and the price would not increase. I was never contacted after many attempts but I was emailed documentation showing I could bid to update this rain-check reservation trip into a business seat. I guessed the issue had been resolved but I had not contacted. When I tried to fly in XXXX I was again denied travel and I was given a vague response from the carrier as being confirmed but not reserved or vice versa. I had enough and I knew I had 6 months to open a dispute with American Express as I was getting nowhere with XXXX. I explained the situation in full to american express with documentation and I also explained that XXXX had been very unprofessional and unresponsive thus far and I would be surprised if American express would get anywhere as well with them in this matter. XXXX did not respond to AMEX and the credit card company proceeded to decline my dispute on these grounds alone. I immediately re disputed the charges with AMEX since the 6 month dispute window was close to having passed only to have them state that they may not succeed considering 6 months have now passed. My account has now been charged {$2100.00} for a ticket that was never honored to no fault of my own. I have also been told by AMEX to go back and try to talk to XXXX when they have had no success on XXXX separate occasions and I have had no success in doing so for months. I want a full refund. I will not be billed for a trip I did not receive when I have done nothing wrong.
Product: Credit reporting or other personal consumer reports

I tried to login into Experian. Despite logging in ealier in the day they state my password is not longer correct. 

I click the link to reset my password, authenticate with my phone, reset the password and get a " successful '' reset message. 

The " successful '' password does NOT work, even though I copy and paste the exact password I just typed. 

This happens over and over and I can not access the site to freeze my credit.
Product: Credit reporting or other personal consumer reports

THIS complaint against Experian regarding their failure to conduct a reasonable investigation into a dispute on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA )., Experian falsely claimed that my dispute was a duplicate and subsequently failed to initiate a reinvestigation. It is important to note that this assertion by Experian is entirely inaccurate, as the dispute in question was distinct from any previous disputes I have filed. Experian 's failure to conduct a proper reinvestigation not only violates the FCRA but also perpetuates inaccuracies on my credit report, which can have serious consequences for my financial well-being. As a consumer, I am deeply concerned about Experian 's lack of compliance with federal regulations and their disregard for the accuracy of consumers ' credit reports. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian fulfills its obligations under the FCRA. Furthermore, I urge the Consumer Financial Protection Bureau to hold Experian accountable for any violations and to take measures to prevent similar incidents from occurring in the future. 

It is imperative that consumers can trust that credit bureaus will handle their disputes with diligence and accuracy. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address my concerns and uphold consumer rights.
Product: Debt collection

the company agreed to take this off my credit and its still reporting this isnt mines
Product: Credit reporting or other personal consumer reports

I ask that late payments be removed Late payments- Privacy and consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX account today, luckily. It now shows a derogatory mark on both my XXXX and XXXX reports. Supposedly this is for a {$700.00} debt owed originally to " XXXX XXXX XXXX '' that is in collections from " Midwest Recovery Systems. '' I have never even heard of XXXX XXXX XXXX. After researching online, it appears to be a payday loan company. I have never received any mail, any calls, anything from XXXX XXXX XXXX. I do not need and do not take out payday loans. Additionally, I have never received any mail, calls, statements, etc. from Midwest Recovery Systems. This is not my debt and I am furious it is showing up on my credit reports as I am saving for my first home. This has caused a HUGE drop in my credit score. I have filed disputes with both XXXX and XXXX. It is not showing up yet on XXXX. Please assist. My husband and I have worked very hard to build credit, save for a home, etc. and this is jeopardizing everything we have worked for.
Product: Debt collection

COMPLAINT ID XXXX Source Receivables Management reviewed my complained and stated as follows : The last payment was posted against past due balances. A balance remained after this payment was made. 
I am attaching the XXXX bill which confirms my last payment on XX/XX/09, balance forward " XXXX ''. " This account was activated as post-paid and not pre-paid ''. " This account was activated as post-paid ''. Paid two months in advance after activation, proof attached.