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

Account states it is in collections. By default it is considered past due. The FDCPA states if an account is in collections there should be NO amount listed as past due only a balance. So why is there a past due balance of {$810.00}. 

This account has failed to provide the necessary documentation to validate this debt. I also requested a copy of a HIPPA release form & they can not provide one. 

I deemed this debt to be unverifiable. 

This is affecting my credit score and hindering me from obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed inquiries from companies that I did not apply for an account with, nor did I give permission for them to access my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Transunion of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. They asked me to mail my dispute in by mail along with a report from the FTC, which I did. I have made multiple attempts to fix this issue with Transunion to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Transunion. In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a credit report.
Product: Debt collection

The credit furnishers and creditors are replying back the information is verified. After I submitted my complete and accurate identity theft report, IRS identity theft affidavit, someone filed taxes in my name. A copy of the police complaint. If someone has stolen my identity then my information can verify. Where is my protection as a consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was entered into many fraudulent agreements. I have been lied to and those lies have caused me an extreme amount of economic loss and mental anguish. With the accounts listed below, I was never given an explanation on how I can exercise my nondisclosure option Pursuant to 15 usc 6802 ( b ) ( C ). With any of them.

I have been trying to opt out from these companies sharing my non-public personal information with no availability for well over 1,000 days. My rights have been violated by all parties involved in the sharing of my non-public personal information and demand my private information be kept private. 

Remove all accounts listed below because I was not given full explanation on how I can exercise my nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account 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 my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}
Product: Consumer Loan

I am a XXXX Veteran. On XXXX XXXX, XXXX I had Total XXXX to repair an issue I 've had since I was XXXX to XXXX in XXXX. Before my XXXX, I contact Ally Financial to work out an arrangement so that I would not go delinquent on my car loan. I was not given any options to prevent this from happening. As I was unable to work and I had to wait for the VA to approve my Temporary total XXXX for my XXXX, I was unable to make a payment. I contacted them again once I was able to make a payment and was then able to make a payment arrangement, however, because of Ally 's unwillingness to help before that point, my credit score took a XXXX point hit. I am in the process of trying to purchase a house and with this late and the hit to my score, I am unable to use my VA loan.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that two late payments were erroneously reported for an account that I have always paid on time. As credit reporting agencies play a vital role in reflecting accurate consumer behavior, I ask that this matter be addressed promptly. 

For the account : ( XXXXXXXX XXXX ) ; ( XXXX ), I have never been late in making payments. I request that you investigate this situation and provide any evidence that these payments were made late. If you can not provide proof, I expect the information to be corrected immediately to reflect my accurate payment history. 

Thank you for your attention to this issue
Product: Credit reporting or other personal consumer reports

This credit bureau is publishing and reporting a public record on my consumer file or report without my written instructions. I also submitted a dispute with the original furnisher in which updates where made and requested this credit bureau as per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide a description of the procedure used to determine the accuracy and completeness of the information disputed and they have not. The results that I received from the dispute is that the record was verified as accurate and no description of the procedure that was used to determine the accuracy and completeness of information was provided.

My dispute is not about the accuracy of the public record its about that fact as per FCRA law that they are not allowed to publish or report this on my consumer file or report without my written instructions.

I have reason to believe that this credit bureau is not actually accurately verifying the information as per FCRA rules but telling me that they did.

Also as per FCRA 15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( b ) Conditions for furnishing and using consumer reports for employment purposes I have not provided written instruction for them to publish my public record on their report. I have the right to my privacy as per FCRA.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible  to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

strongly urge you to eliminate this account from my credit report as it is not associated with me, and I'm sincerely disheartened by its inclusion. I implore the company to expedite its removal from my credit history.
Product: Debt collection

Mohela has charged interest to my account in XXXX and XX/XX/year>, which is inconsistent with the terms and notifications of XXXX interest forbearance placed on the account. I request that the account immediately be reduced by the amount of interest that was unlawfully collected.
Product: Credit card

Hi, I was given misleading information from AMEX rep via the phone two times : 1. I wanted to close my credit card account but did a credit card conversion to a different card instead because the rep told me I can keep the old credit card history and it wont open up a new account. This is not the case on my credit report. 

2. I requested an investigation a few months ago and was told I will be reached out for explanation. It never happened and when I called and asked today I was told there will be no response if they deemed they didnt do anything wrong. 

In summary, I opened up a new credit card account with misleading information and American Express refused to correct the mistake or provided any compensation for my loss.
Product: Mortgage

Bank of America Mortgage uses illegal mortgage lending practices, disregards regulatory requirements, and violates signed mortgage lending documents, in my opinion. In XXXX, 2021, a refinancing application was submitted. Based on a credit score over 800, loan to value ratio of 50 % and debt to income ratio under 30 %, Bank of America Mortgage provided a rate lock agreement and mortgage approval. All required supporting documentation was submitted, and accepted, well in advance of deadlines. All appraisal and other fees were paid and the application was forwarded to underwriting. There has been no communication from Bank of America Mortgage since that time. Despite repeated telephone, e-mail, and written requests, Bank of America refused to provide status of the loan or any other information. Complaints # XXXX and XXXX were submitted through CFPB. Bank of America Mortgage evidently responded to CFPB but not me. After 5 months there has been absolutely no communication from Bank of America Mortgage. It seems obvious to me that Bank of America is refusing to put anything in writing because of illegal actions on their part.
Product: Mortgage

My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). 

Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. 

I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. 

Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. 

CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. 

I can not accept these documents for what they represent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Mortgage

In a previous request ( XXXX XXXX ) I requested my mortgage company, Suntrust, to draft my monthly payment from my Savings account instead of my Checking account at XXXX XXXX XXXX XXXX XXXX. Suntrust acknowledge the change and verbally assured me the XXXX XXXX draft would come of Savings. In XXXX XXXX Suntrust Mortgage did not withdraw the funds from Savings and instead withdrew it from Checking. I did not have the funds in Checking so I received NSF fees in the amount of {$60.00}. I brought this error to Suntrust 's attention and my issue was not resolved as Suntrust concluded they had withdrawn the money from the correct account. Suntrust was 100 % wrong. In my frustration I removed the automatic drafting by Suntrust. I intended on paying Suntrust by ACH from my bank XXXX XXXX. On the next payment I found out Suntrust will not accept ACH payments from banks. I had to make a 1 time payment from the Suntrust site for my mortgage. Therefore, I signed-up on line with Suntrust again to withdraw payment from my XXXX XXXX SAVINGS account. This was a brand new set-up so I had high hopes it would actually work correctly. I received a confirmation letter from Suntrust they would withdraw, effect XXXX, payments from my account type S for SAVINGS ( please see attachments ). The next payment, XXXX, Suntrust AGAIN withdrew money from my Checking instead of my Savings. However, I knew this would be the case so I had the money in the account or else I would have AGAIN received NSF charges. Suntrust was wrong again, even on a brand new draft set-up request. This proves that though I am signed up properly to use my Savings account as the source of funds Suntrust still takes the money from my checking. I want the {$60.00} in NSF fees in the original dispute to be returned to me as I signed up properly then and they were wrong and they are wrong again. I have attached notices and bank statements showing the drafts were ALL from XXXX XXXX Checking ( C ) instead of XXXX XXXX Savings. ( S ).
Product: Debt collection

Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with XXXX XXXX and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX Experian XXXX XXXX monitoring and credit scores. My account was put on hold when they could not bill my monthly fee. Once, I added a new card, my monthly service continued. However, without any rhyme or reason, each month my fee of : {$24.00} is debited from my bank account, Yet, Experian keeps closing access stating I have to update my banking information. When I check my bank, you can see the monthly withdrawals be debited from my account, however Experian denies me access. This is an ongoing problem with correct information, and I'm tired of trying to add " Already Good '' billing information for their services. They are taking my money each month, but not allowing access each month to those service. 
To make problems even worse, I've called so many numbers and they all lead to nowhere. They end up sending the customer to an automated system, that does not and can not resolve the issues. I can't get in touch with them, or update already correct payment information. CAN I PLEASE HAVE YOUR HELP..?? Experian should be guilty of fraud for taking customer 's money without providing the equal service..
Product: Debt collection

I disputed this account for a variety of reasons, and they have repeatedly verified it to the credit bureaus. They have violated my rights according to HIPPA by sending me information that was purely medical in nature. I don't believe this information should have been used as verification to the credit bureaus as I did not give them permission to share my private medical data with anyone. I am very embarrassed that they would have such a complete history of my medical episodes, and that they would willfully share that information, with anyone, let alone have it themselves.
Product: Debt collection

XXXX certified letters within a 60 day period to Account Resolution Services has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Account Resolution Services purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Account Resolution Services. and myself, signed by me, stating that I have a contractual responsibility to Account Resolution Services for the alleged debtsXXXX.Provide proof that Account Resolution Services is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Account Resolution Services. Account Resolution Services can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Account Resolution Services of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX I, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 26 : purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, Transunion, and XXXX certified mail. This is messing with my lively hood.
Product: Student loan

Case number : XXXX This is a follow-up to the previous complaint against XXXX XXXX XXXX and Schachter and Portnoy ( the collection attorneys ). I was in touch with my son, XXXX, the original signer of this loan and the one who was paying this loan through XXXX for many years. He called XXXX XXXX XXXX of the Firm of Schachter and Portnoy and left a voice mail and never received a call back. He attempted on several occasions to reach out to XXXX XXXX but to no avail. This is his loan and he is willing to pay it back, but the creditor needs to be in touch with him, not me. I have provided everyone with his phone number and address and he called and left his phone number for XXXX XXXX to reach out to him and he received no return call. It would be appreciated if this matter would be resolved immediately. 
Very truly yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXX. Box XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to CFPB Ref No : XXXX, XXXX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Experian still reports falsify information about these hard inquiries.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the reporting of the charge-off account associated with negative account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt.
Product: Credit reporting or other personal consumer reports

I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : XXXX