23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX, Account # : XXXX, Account name : XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX, Account # : XXXX Account name : XXXX  XXXX, Account # : 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 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

we applied for streamline refinance with XXXX XXXX XXXX, at the present time our loan was with Flagstar Bank. They sent us a payoff statement, which was paid by XXXX XXXX to the penny, now they are saying there was a XXXX short. We had XXXX in our escrow account. the closing was handle by a lawyer. How can they say there is a shortage after the loan has been paid in full according there letter of payoff. At this point they have taken the XXXX out of our escrow account without our permission. Our lawyer has written them XXXX letters which at this time he has had no response. In XX/XX/XXXX they said we had XXXX shortage in escrow, which we paid even thow the could n't or would n't tell us where the shortage money went. Now after closing on the loan they are saying there is a XXXX shortage.How can they say we owe more after the loan has been paid, by their figures. 
They are saying it needs to paid to complete payoff loan, complete the property lien release, and release the lien from our credit and/or avoid reporting to the credit bureaus. This last letter was written on XXXX XXXX, we received the letter on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please see attached.. XXXX has my credit file mixed up and refuses to fix it.. Please see attcted copy of my Id and SS with my legal name.. XXXX XXXX with is my only name. Some stole my identity
Product: Mortgage

Escrow analysis is erroneous with basic math errors. Called the mortgage servicer, asked for recalculation, emailed inside their website in secure email system, and received no coherent response regarding resolving or fixing this problem issue. Payment is proposed to go up about {$900.00} per month on a fixed rate loan. We agree the payment should go up due to escrow increasing from property tax, but their math calculations do not show correct projected escrow balances. Discussed with them, and the only response was a second PDF of same escrow analysis without corrections. Impossible to discuss directly with any of their escrow analysts.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 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

Dear Sir or Mam ; LoanCare LLC/XXXX XXXX took over my mortgage in the fall of XXXX, they have failed to process my payments as expected. The only unique factor in my case is that I have my mortgage paid ahead by 3 months. Under my previous loan processor, XXXX XXXX, this was never an issue. I have to call or write nearly each an every month to have my payment applied correctly. 
I have written multiple letters to the company management and they have failed to correct the processing. 

02/02-Letter to XXXX XXXX - President CEO XXXX XXXX XXXXReply from Corporate Council - XXXX XXXX XXXX. -Said that LoanCare LLC handles all the Mortgage Contracts. Instructed LoanCare LLC to provide a Substantive Response. 
XX/XX/XXXX Letter to XXXX XXXX due to No Response being received within 30 days of the letter from the Corporate Council. 
XX/XX/XXXX Reply - Canned - Notice of Error Acknowledgement. 
XX/XX/XXXX Reply from XXXX XXXX That LoanCare Doesn't Receive instructions from my financial institution. 
XX/XX/XXXX Called my financial Institution<XXXX> - since this is an electronic AFT? transfer its not possible to include instructions. Note I used this same financial institution with my previous loan services with no issues. 
XX/XX/XXXX Letter to XXXX XXXX again regarding same issue. 
XX/XX/XXXX Reply from XXXX XXXX my only options is to Call in /write each month. 
XX/XX/XXXX Payment Mis applied Again XX/XX/XXXX Called customer contact number. Said they would call back. 
XX/XX/XXXX Initiated a customer correction through their online portal to have the payment applied. 
XX/XX/XXXX XXXX payment appears to be applied correctly. 
XX/XX/XXXX correction made to XXXX payment XX/XX/XXXX XXXX made changes to the loan care bill pay - the payee name is now - Loan Care, LLC -  Monthly Payment and a 2nd bill payee called LoanCare Principal Payment only. 
XX/XX/XXXX XXXX Payment misapplied. 

Loan Care has continually failed to process my payments, I will not use their automatic payment feature. 
I have worked with my bank though the bill pay to re name the Payees to indicate - Payment and Principle Payments. 
I pay my mortgage in advance because that is how I want to do it. 
Attached are the corresponsdance.
Product: Checking or savings account

Before XXXX XXXX XX/XX/XXXX, a XXXX of {$1000.00} XXXX times on my checking account. And didn't show in my summary until the XX/XX/XXXX. 

XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I finally noticed on XX/XX/XXXX and filed a claim of fraud and disputed the charge. Was sent a new card and waited 9 days. On the ninth day I activated my card, and 10 minutes after was denied. 

Called and asked on the reason for my denial, But was told they saw no fraudulent activity. I'm not sure how my card was used in XXXX XXXX, but I've never made these charges. I was also asked can I contact the merchant, but clearly I can't when I didn't make these charges. Claim didn't even come with a reason it was seen as legitimate. 

The amount drained from my account is {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has made errors on my credit report and instead of deleting for errors keeps coming back verified when I am showing other I have disputed and disputed and they wont delete from my credit equifax reporting I have asked them to please delete for adding false information
Product: Debt collection

I am writing to formally dispute the validity of the alleged debt referenced in your communication regarding the XXXX XXXX XXXX XXXX XXXX account ending in XXXX. While you assert that you purchased this account from XXXX on or about XX/XX/XXXX, and that a balance of {$610.00} was due at the time of purchase, I do not acknowledge or accept this debt as valid for the following reasons : 1. Lack of Notice While you claim that an initial notification letter was sent to me on or about XX/XX/XXXX, I have no record of receiving such a letter. Please provide verifiable proof that this letter was mailed to my correct address, such as a tracking number, receipt, or any documentation confirming the date and delivery of this notice. 

2. Verification of Debt You state that business records from XXXX verify the account was opened in my name and the balance due at the time of purchase. I request that you provide a full accounting of the debt, including the original signed agreement, itemized billing statements, and proof of the balance at the time of purchase. Without these documents, I can not verify the validity of this alleged debt. 

3. Ownership and Right to Collect While you claim to have purchased this debt from XXXX, I request that you provide the complete transfer and assignment documents showing that Portfolio Recovery Associates , LLC legally owns this debt and has the right to collect and report it. 

4. Cease and Desist Request I reiterate that this debt is disputed, and I request that you immediately cease all collection activity and reporting of this account until full validation is provided. Should you fail to provide proper documentation to prove this debt is valid and enforceable, I demand that you remove any related negative marks from my credit report and cease reporting this debt to the consumer reporting agencies. 

Until I receive full validation of this alleged debt, I do not acknowledge it, and I request that you cease all attempts to collect it, as well as stop reporting it to the credit bureaus. 

Please respond in writing within the timeframe required by law.
Product: Credit card

I paid off my Bank of America Customized XXXX XXXX XXXX XXXX card 12 days early and they then took the the entire paid off balance amount out of my bank account on the autobill pay date. I paid off the entire balance of {$11000.00} on XX/XX/year> and they auto withdrew {$11000.00} for an account with a {$0.00} balance on XXXXXX/XX/year> which with debited from my checking account on XX/XX/year>. I have bene on hold with Bank of America for over 30 minutes at this point without even talking to a representative so this issue has not been resolved. This is resulting in being charged fees by my bank from the unexpected payment.
Product: Credit card or prepaid card

Around XX/XX/2013, I was sent a XXXX XXXX Citicard I had not requested. When I activated my replacement Citi XXXX, the XXXX XXXX card was automatically activated too. I contacted customer service to close it and was informed that I couldnt close it without closing the XXXX too. Recently, Citicard closed the XXXX XXXX account without notice or explanation after refusing to for over 7 years
Product: Payday loan, title loan, or personal loan

This account from upstart damage my credit and it doesnt belongs to me account number XXXX this account need to be remove from my consumer file I have attach a copy of my identity theft report below
Product: Debt collection

I demanded a debt Validation with the third party debt collection agency Javitch Block Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with Transunion, XXXX, and XXXX. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' XXXX is violating the FCRA, and consumers rights. also as of XX/XX/year> XXXX was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX there are many lawsuits against XXXX for their many violations violating state and federal laws. I ask that Transunion, XXXX, and XXXX do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Student loan

As of the start of XXXX XXXX I had {$7400.00} in student loans managed by Aidvantage. With the renewal of interest and payments on student loan debt in XXXX XXXX, I sought to repay the remainder of my loans. 

On XXXXXX/XX/XXXX I attempted to pay the total remaining balance but this payment was reversed and rejected. I made an additional attempt on XXXXXX/XX/XXXX with the same results. I called customer service on XX/XX/XXXXXXXX  once I realized my payment had yet again been reversed. They speculated that a lowed payment might clear the online banking system safeguards. I made a payment of {$4200.00} which was accepted. I then made an additional attempt to pay the remaining balance on XX/XX/XXXX and on XX/XX/XXXX, both of which were rejected, despite the fact that payment attempts were less than the successful payment of over {$4000.00} made on XX/XX/XXXX. I have since emailed Aidvantage customer service to ( yet again ) request to close out my remaining balance. I have also informed them that I would file a complaint with this office. 

Since my first attempt to repay my balance, I have accrued {$150.00} in interest, which I have requested they remove from my account balance before closure of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX : XXXX Please remove it from my credit report. 


4. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX 6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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

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

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

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

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

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

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

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

15. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.
Product: Debt collection

On XX/XX/XXXX I called National Credit Adjusters, I informed them that I noticed that there company was listed on my credit report. i asked the agent to send a validation of debt. He stated without having my social security and address he would not be able to speak with me about any information. The amount is {$240.00} the account is under XXXX I have also disputed this debt on XX/XX/year> and they still continue to damage my credit report.
Product: Debt collection

XXXX XXXX was the sole service provider for my internet services from XXXX. They had the exclusive contract as the service provider. We sold the property and moved late XXXX. The new owners set up service prior to moving in at the same address. 
I call XXXX on XX/XX/XXXX to let them know we are out and to terminate the service as that would be duplicated service at the same address. Furthermore I told them we had options for service providers at our new house so we wanted to terminate and pay the final bill. 
They gave me a final amount of {$270.00} and stated it was good because the billing cycle was XX/XX/XXXX. 
The agent was trying to get me to move service to the new location but I told him the service was inferior to our options. 
He said he was just making some notes and was making sure it got terminated. 
His agent number was XXXX. I felt by his speech he was manipulating. 
We received a final bill with my new address where service was never set up for {$95.00}. I called them to find out what the services were as we had paid the final bill in full. That service agent said it was odd as it showed a new connection fee and other miscellaneous fees that totaled {$100.00}. 
She said that she would send us an email to show it was paid in full as we described but we never received it. 
We had set up XXXX  that same week so this charge was fraudulent. 
I then received a notification from a collection agency Credit Protection Association LP in XXXX TX. I called XXXX and spoke with XXXX ( Agent # XXXX ) and she said she didnt understand the charge but, I had to deal with this collection agency since it was nothing she could help with. 
I spoke with the collection agency and gave them the dates and details along with the agent numbers on the date spoken they said they would dispute it. They told me to give them two weeks and to check back with them to see the update. I checked back with them about 30 days later to see what the status was and they said XXXX reinstated the charges and started it all over. I gave them again the details as it transpired. They said they would dispute it again and to give them some time. My wife and I are in the process of purchasing a home. My mortgage lender called and said I had a bad debt from a trivial service provider reported 23 days ago and asked what I knew about it. I had no idea and there was no mention in our communication that transpired in the last 3 to 4 weeks of them reporting me to the credit bureaus. My broker advised paying the fraudulent debt even though it was fraud to get it removed. I spoke with them tonight to tell them I would pay it but I wanted proof of deletion as it hurt my FICO score over 150 points. 
They said they will not provide a deletion letter and it was my responsibility to reach out to the credit bureaus. I dont know where to go from here but they are keeping me from being approved for a house mortgage.