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

BANK OF AMERICA regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Account # : Different dates reported by each credit reporting agency XXXX : No reported XXXX : XXXX XXXX : No reported High Balance : Different account status reported by each credit reporting agency XXXX XXXX : No reported XXXX XXXX No reported XXXX : {$9000.00} Date of Last verified : Different dates reported by each credit reporting agency. 
Date of Last Activity : Different dates reported by each credit reporting agency. 
Date Reported : Different dates reported by each credit reporting agency Date of Last verified : Different dates reported by each credit reporting agency. 
Closed Date : Different dates reported by each credit reporting agency. 
Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency. 
Two year payment history : Different dates reported by each credit reporting agency. 
XXXX : CO XXXX : No reported since XX/XX/year> XXXX : None reported You, BANK OF AMERICA have furnished this account as a charge-off, you are in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. 
You BANK OF AMERICA are a furnisher of information and are prohibited by law from reporting inaccurate information. 
15 U.S. Code 1681 - Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S.C. 1681s-2 ( b ) - Reporting Information After Notice and Confirmation of Errors
Product: Credit card

This is in essence the same case that was submitted/reported under ( XXXX and XXXX ) for XXXX XXXX. This complaint is specifically for American Express for similar reasons. We agreed to purchase a timeshare from XXXX XXXX if they purchased our XXXX timeshare. They failed to purchase our timeshare within the time required ( 60-days ) - it has been over 6 months. In the attachments much more detail is provided in the " XXXX timeshare summary ''. American Express has sufficient information to reverse the charges but they are ignoring the evidence. XXXX XXXX needs to either purchase our XXXX timeshare as agreed or tell American Express to refund our money. 
For XXXX XXXX to abide by the agreement they would need to purchase our property for the agreed to amount of {$100000.00}. Since they also agreed to refund the entire amount of the purchase of their property in the first XXXX we would also like those charges reversed on our credit card ( {$24000.00} ). At a very minimum the credit card charges should be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

$ XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, & Equifax have all three violated my rights! By law! They havent even issued any evidence that these hard inquiries or derogatory marks on my account ; balances, were made by me after many disputed and phone calls of me explaining that it wasnt! Im on the verge of getting an attorney! In accordance with the Fair Credit Reporting Act, theyve 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 also states that a consumer reporting agency can not furnish an account of mine without written instructions!
Product: Vehicle loan or lease

I was gifted a car after the XXXX of my grandmother a year ago in XXXX. When I went to pay my sales tax and get the title transferred into my name I was told I needed a proof of. lien release before I could transfer title. The front of title under lien holder was signed and dated as released. I went back to my local DMV on Wednesday XXXX XXXX and told them the Lien Holder on the title was no longer in business. It was the XXXX XXXX XXXX XXXX out of XXXX, TN. The woman gave me the number for the XXXX XXXX XXXX XXXX XXXX XXXX opt XXXX. She seemed sure they would be able to help me. I left a message for a woman named XXXX and never got a call back. So, Thursday XXXX XXXX, I called again and spoke with her. She said informed me I needed to speak to someone at the OCC because they would have the information I would need to get this one little piece of paper. The number she gave me was XXXX. When I called the lady I spoke with searched for the bank listed as lien holder and she came up with a bank called Regions that was now based out of Alabama. She told me that unfortunately she could n't help me any further but she would give me the information for the company she had listed to handle all complaints for Regions Bank. Their address was XXXX XXXX XXXX XXXX, IA XXXX and contact phone was XXXX or online at www.consumerfinance.com. I then called them and a lady by the name of XXXX answered my call. After my discussion with her I had come to the conclusion that until then I had just been passed around from number to number so they did n't have to handle my issue. She informed me that my best bet would be to file a complaint on Regions Bank and wait for a reply from them. So, here I am doing my best to keep my sanity and hoping to find a solution to this whole proof of lien release needed from a company no longer in business in which I have gone a year past the date given the vehicle without being able to license it. I have attached a scanned copy of the title to this complain,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several deferred loan modifications with XXXX XXXX XXXX. Between the years of XXXX and XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to XXXX XXXX. I knew there was a law suite with XXXX XXXX but I did not under stand why. Can someone please tell me where do I stand on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX  XXXX which I have severely suffered through I've earned a late remark.XXXX at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.
Product: Debt collection

All these different numbers especially this number XXXX just keep calling my phone about a debt that doesn't have nothing to do with me off the early morning at XXXX. When I answer he said he is from the CBE group & telling me to verify my address which I didn't & then I hung up the phone once he said that.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On or before XX/XX/2023, a car loan was open without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Zelle and its partner banks failed to adequately protect me from fraud and unauthorized transactions on its platform. Zelles payment system has inherent vulnerabilities, leaving users at risk of scams and fraudulent activity. Zelle and participating banks did not take sufficient measures to warn me as a user or provide adequate recourse for victims of fraud, potentially violating consumer protection laws. Zelles practices and lack of accountability and safeguard of consumer interests has me seriously concerned. Unacceptable practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 ( a ) ( 4 ) : states I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section ( a ) ( 5 ) : states no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.
Product: Debt collection

Due to a subprime loan by XXXX XXXX XXXX, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. XXXX XXXX XXXX Foreclosed on my home in XXXX, and no other activity occured on said account since. XXXX XXXX XXXX reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both Ditch Financial LLC, and to XXXX XXXX XXXX to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent {$500.00} through Zelle to a person to buy an electronic item but never received the item. I contacted my bank ( XXXX ) on XX/XX/2023 and XX/XX/2023 but they claim that they have no way of returning the money back to me and Zelle is not helping me at all either. XXXX sent me a letter saying they can not help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have already contacted the companies listed below and they have nothing on file under my name. 

XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] Dept of ED/ XXXX {$4500.00} [ 5 ] Dept of ED/ XXXX {$3500.00} [ 6 ] Dept of ED/ XXXX {$2200.00} [ 7 ] Dept of ED/ XXXX {$2100.00} [ 8 ] Dept of ED/ XXXX  {$2000.00} [ 9 ] Dept of ED/XXXX {$1700.00} [ 10 ] Dept of ED/XXXX  {$1700.00} [ 11 ] Dept of ED/XXXX  {$1300.00} [ 12 ] Dept of ED/XXXX   {$1000.00} [ 13 ] Dept of ED/XXXX {$100.00} ]
Product: Debt collection

On XX/XX/23 I contacted Credence Resource Management , LLC in response to a letter received in the mail, letting them know that I dispute the debt and requesting them to provide documentation proving that the debt was mine prior to taking any further collection actions. 

On XX/XX/23 I received a response from Credence Resource Management , LLC confirming that they received the dispute. 

On XX/XX/23 I was informed via credit monitoring that the account had been reported as delinquent despite Credence Resource Management , LLC failing to provide any of the required proof or documentation of my ownership of the debt, and failing to inform the appropriate credit agencies of the disputed status of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit company to remove and old addresses connected to my credit report and nothing has happened. I would like for this to be done immediately. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the last year to TransUnion to remove the inaccuracies showing on my credit report with no success. Please see below request and information regarding the inaccurate information being reported. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute XXXX XXXX XXXX XXXXXXXX XXXX Account # - XXXX Open Account Date Opened- XX/XX/XXXX Balance - {$450.00} I do not recognize the account in question. I have no knowledge of this account or company. Please update and remove this account from my report. 

Dispute XXXX XXXX XXXX XXXX XXXX Account # XXXX Collection Date Opened XX/XX/XXXX Balance- {$2300.00} I have no knowledge of this account or company. Please update and remove this account from my report. 



Dispute XXXX XXXX XXXX  Account # - XXXX Date Opened XX/XX/XXXX Closed/chargeOff/ REVOLVING Balance - {$0.00} Please remove these Charge Off accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # - xxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Paid/Closed Balance- {$0.00} Please remove these PAID_AND_CLOSED accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$500.00} Please remove these Charge Off accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # - XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$240.00} Please remove these Charge Off accounts on my report. 


Enclosures : Copy of Driver License Current Bank Statement as Proof of address Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CONSUMER PORTFOLIO SERVICES is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CONSUMER PORTFOLIO SERVICES ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CONSUMER PORTFOLIO SERVICES ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. CONSUMER PORTFOLIO SERVICES can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CONSUMER PORTFOLIO SERVICES for the canceled debt of { { {$17000.00} } } in order to file as ordinary income. CONSUMER PORTFOLIO SERVICES has clearly written off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! CONSUMER PORTFOLIO SERVICES has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CONSUMER PORTFOLIO SERVICES terms and conditions, they agreed not to share my information with non-affiliates. XXXX, XXXX, and XXXX is not an affiliate of CONSUMER PORTFOLIO SERVICES nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Fair remedy is to mark this account as PAID AND DELETE within 7 business days.
Product: Mortgage

I received a letter from my homeowner 's insurance policy stating my insurance was being cancelled due to vacancy. The representative informed me that I was not her first call about the same situation from Selene Finance. I had to verify that I had not vacated the property by sending recent utility bills. I contract Selene Finance and spoke to someone in their insurance department. She was aware of the situation but offered no explanation or course of action going forward. After reinstating the insurance on my home, I then received a letter from Selene stating they were going to buy insurance for me if I did not show proof of insurance, which seemed absurd since they caused the situation.
Product: Debt collection

On XX/XX/2018 I noticed a Collection had appeared on my credit report. It was opened by Diversified Consultnts. To which they said I owed them {$410.00}. I never did any business with them so I confused as to why they were trying to collect money from me to which I did not owe. I looked through and see that the original creditor is XXXX which confused me more as I still have a active account with XXXX and was never told about this debt or sent any bills for. Upon finding out this information I gave XXXX a call and was told it was from a closed account to which I was told I owed nothing towards after paying my final bill. This collection has destroyed my credit and ruined me from going forward to get a home loan for myself and my family.