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

I purchased a house on XX/XX/XXXX through Cardinal Mortgage. XXXX they sold my loan to someone else, which was expected. I checked my credit XXXX and it still showed that I owed Cardinal Mortgage. I contacted them the end of XXXX and they said that it should be taken off by XXXX. I looked again on XX/XX/XXXX and showed that it was still open. I have been talking to the original broker and they have been working with their corporate to get this taken care of. I spoke with them ( Cardinal Mortgage-Broker ) on XX/XX/XXXX, XXXX, XX/XX/XXXX by phone and email. I have had my realtor contact them as well on XX/XX/XXXX and she gets responses that say they are working with their corporate as well. On XX/XX/XXXX the last response was the Cardinal Broker spoke to the CEO of Cardinal about the problem and he said that he was going to look into it. Still nothing. Right now it shows that I owe XXXX XXXX on my home. And it still shows open. My credit usage is 96 %. Right now, the stress and the limits this is putting on me is not right. The broker is doing everything they can and they are also not getting anywhere. I need this fixed.
Product: Debt collection

Debt not mine.

15 usc 1681a2 I didnt give written permission to have these accounts furnished on my report
Product: Student loan

I have previously tried to resolve this with XXXX numerous times and each time they failed to address that matter at hand. I went on to file a XXXX complaint to which they also failed to respond. The complaint was closed as " unresolved '' due to their failure to address this issue. I have attached a copy of the XXXX  response. The XXXX   suggested I open a CFPB complaint. When trying to resolved the issue XXXX just sends me generic response letters not addressing the matter at hand. Only sending me a " credit reference letter ''. XXXX, as a furnisher, is required by the FCRA to UPDATE any information reporting to the CRA 's. According to their own records my loan was in forbearance from XX/XX/XXXX- XX/XX/XXXX however it is reporting late on my credit report. I have previously attached an FTC advisory opinion stating their responsibility in this matter and they have continue to ignore it. I again attached this FTC advisory stating such obligations. They are obligated to UPDATE my file and have failed to do so. I expect my credit report to be updated immediately reflecting the forbearance I was granted. XXXX is ignoring FCRA regulations and is not responding to a XXXX complaint or the matters addressed in it. Their failure to adhere to FCRA and FTC regulations is hindering me from obtaining the best rates when obtaining a home causing me financial damage. I plan pursue financial restitution if this simple matter is not fixed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against Bank of America for the unauthorized and fraudulent dissemination of my personal information to XXXX-party debt collectors, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy. 

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : Bank of America disclosed my personal information to XXXX-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
Harassment and Abuse : During my attempts to address these concerns with Bank of America, their representatives responded with laughter and dismissiveness. This behavior constitutes harassment and abuse, violating 15 U.S.C. 1692d, which prohibits conduct that is meant to harass, oppress, or abuse any person. 
False Representation : By sharing my information without authorization, Bank of America misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : Bank of America failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations. 
Unauthorized Transactions : The dissemination of my personal information to XXXX-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

When I contacted Bank of America to express my concerns about these unauthorized actions and their detrimental impact on my credit report, I was met with dismissive and derisive responses from their representatives. Their unprofessional and callous behavior exacerbated my mental health issues, including anxiety and stress, which stemmed from this violation. The damage to my credit report has also caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. 

I urge the CFPB to investigate this matter thoroughly and hold Bank of America accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future. 

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

This account XXXX XXXX XXXX is reporting inaccurate payment history I dispute this account several times withe reporting agencies and each time it came back that the account was verified by the furnisher which is XXXXXXXX XXXX XXXX according to them the account was verify by your company. I want to know how this information was verify as it is clearly reporting inaccurate. XX/XX/year> is reporting on time but XXXX is reporting 60 days late XX/XX/year> thru XXXX is missing data but XXXX thru XXXX is reporting charge off. According to the law ( FCRA ) anything reporting on a credit reporting must be accurate and complete. Not only is this account not reporting accurate it has been illegally age. Im reaching out to give you a opportunity to fix this account in a timely manner manner if this issue is not fixed I have not choice but to pursue legal action against XXXX XXXX and XXXX and Experian. as this hurting my credit and reputation.
Product: Debt collection

portfolio recovery associates has not responded to my request for debt validation on XX/XX/year> of an unknown account and they have harassed me to make a payment over the phone. they list this unknown account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I submitted a dispute with Transunion about two separate items. The first item was for an account with XXXX XXXX. The account came back as verified as accurate when it should have come back as included in bankruptcy. I had also recently filed chapter XXXX bankruptcy and this was an included item. When I disputed this item with XXXX, they managed to do it correctly because the bank verified with them that it was indeed included in my bankruptcy, but for some reason or another Transunion did not. DO you want to tell me that this bank is giving out two separate verification 's to two separate credit reporting bureaus? I seriously doubt that. I think that you did not do your due diligence and properly investigate this item and it is killing my credit score. Furthermore, you guys are notorious for reporting incorrect information and refusing to have it removed when brought to your attention. The next step from here if this doesn't get resolved to show that it was included in my Bankruptcy is to take you to court on it. Please don't let it get that far, but I will if I have to. Just because the bank has reported the incorrect dates for this account does not mean that it wasn't included in my bankruptcy filing. Again, they managed to report it accurately with Equifax, but for some reason with you it wasn't and I want it fixed asap. I will attach proof of this. 

The second item is your reporting of my The XXXX  XXXX XXXX  account ending in XXXX. This account was also recently disputed, and as usual with you guys, it came back with incorrect and even worse information than you had before the dispute. This account was also disputed with the other bureaus and they managed to verify it the correct way. Once again with you, it was not and it is seriously damaging my credit score with you guys. I feel like you guys want people to have bad scores because you make more money when they do. Again if this doesn't get properly fixed, I will file a court case on you for this as well. The balance as of the close of the very last statement with this account should be at {$200.00}. I will attach the statement for your review. Somehow you managed to come back with an amount that is much higher than my credit limit with this bank of {$340.00} You can clearly see why this would damage my score. The other two bureaus have it at {$200.00}, but not you once again. This needs to be rectified asap, and I don't mean in another 30 days since you already took 30 days on both of these accounts just to come back with wrong and damaging information thus hurting my score and my credit and making it near impossible to obtain any other credit with anybody else.
Product: Debt collection

Midland Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX ) purchased my debt from Atlantic Credit in XXXXXXXX XXXX. I had an agreement to pay biweekly payments every 2 weeks for XXXX ( via automatic withdrawal from my checking account ) and had been making payments as agreed upon for over 14 months. 
Midland Credit sent me notice at my home that the debt had been purchased and that payments would continue to be withdrawn on a biweekly bases. 
They however sent notice to my employer as well notifying my employer of my debt. 
The Office manager received the correspondence from Midland and stated that they do not want to be responsible for garnishment of wages. The Office Manager at my work is now recommending that I be let go over this. 

On XX/XX/2020 I called Midland Credit and my call was transferred from one person to the next with no one acknowledging that they had even sent the notice of the debt to my employer. When asked to speak to a Supervisor there was no one available during routine business hours or in a Customer Service Role. When transferring my call they wanted me to pay the full amount of the debt on the spot and not address any of the issues that I called about. I notified Midland Credit that they are not to contact me at my employer since their actions may be the cause for my termination. 
These type of practices clearly step over the line of reasonable. If I had not been making payments on a regular basis, had defaulted on the original agreement then further action by a debt collector may be warranted, but this was not the case.
Product: Payday loan, title loan, or personal loan

I took out a loan with world finance and I paid them back and they reported loan paid back in full now its shown two different account on my credit and effecting my credit score bad because they reopen this loan on my credit
Product: Checking or savings account

In XXXX I opened a senior care service in XXXX XXXX, CA. We started with our first client on
Product: Credit reporting, credit repair services, or other personal consumer reports

The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX XXXX  from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX  still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Account number : XXXX Late payment : XX/XX/year> Remove from my Experian personal credit report! I have asked XXXX times at this point since 2022. Why hasn't it been updated? 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Mortgage

Loan was modified by Ocwen and taxes and insurance were to be escrowed. 

We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. 

We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. 

This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. 
I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter. 
Equifax sent a letter stating they updated an extended fraud alert on my Equifax Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND XXXX. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
Product: Checking or savings account

I opened a checking account with Bank of the West on XX/XX/2019 with the promotional bonus of {$250.00}. The terms of the deal required 4 consecutive months of direct deposit ( of {$250.00} or more each month ) starting the month after the account was opened. Once these requirements were met, the bank would credit my account with the {$250.00} bonus by XX/XX/2019. I have attached the terms of the promotion. 

I gave my employer my Bank of the West account information and they set up direct deposit to my new account, and I received deposits into my account on the following dates : XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19.

I did not receive a credit to my account by XX/XX/19. I called the bank on XX/XX/19 and XX/XX/19 to inquire about the bonus and they informed me that because there  was no deposit in XXXX, I did not qualify for the bonus. I provided my employer with the new direct deposit information on XX/XX/19, but direct deposit did not start on my account until XX/XX/19 because XXXX had to verify the account, so a deposit was not made in XX/XX/XXXX. I asked the bank to honor the promotion even though I did not have a deposit in XX/XX/XXXX because it was out of my control. 

I believe the requirement to have a direct deposit in the account the month after the account opens is not enough time, especially when the account is opened at the end of a month. The terms of the promotion are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, transunion and XXXX to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau several times in regards to open accounts that do not belong to me. The following accounts do not belong to me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
These disputes were send out XX/XX/2023 and no response and causing me to not be able to purchase my home. I need this to be removed Immediately. Name is showing inaccurate which should only appear as XXXX XXXX and my only address is that should appear is XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. If not removed further action will be taken. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
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.

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 XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I want these removed, I did not authorize these. I have filed a police report. I have sent in disputes to the credit bureau and they will not remove these. 

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 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 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

I reached out to TransUnion regarding an inaccurate account on my report and they failed to conduct a proper investigation. I sent the letter on XX/XX/XXXX and they have not investigvated.
Product: Debt collection

On XX/XX/XXXX, I paid XXXX XXXX {$590.00} pursuant to a statement I received from them the previous month. For whatever reason, unknown to me, XXXX turned my bill ( which was paid in full ) over to Professional Finance for further collection. When they called in XXXX, XXXX, I told them I had paid. They required a receipt. My husband IMMEDIATELY went to XXXX and obtained the receipt showing payment in full two months prior. I forwarded the receipt to Professional Finance. In spite of this proof, they reported me as a no-pay to the credit agencies. I disputed the debt and provided proof of payment to Professional Finance and all 3 credit bureaus via certified mail. That was a month ago. Today, they started calling again saying the payment to XXXX did not count. Unknown to me, XXXX refunded the money to my credit card XX/XX/XXXX. I have no idea why and they will not respond. Countless calls to both XXXX and Professional Finance. HOURS on the phone with Professional Finance and the Billing Dept at XXXX. No resolve. These clowns have obliterated my XXXX credit score while I am trying to buy a new building for my law firm. Due to this misinformation, my credit is now in the low XXXX. I am a RE attorney so this is not in my wheel house but I want to learn more about consumer protection so I can assist other victims of this outfit.