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

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : Innovis and XXXXAttached you will find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every one of these XXXX accounts. You should read this Complaint as if they are addressed to Innovis and XXXX requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX XXXX XXXX cases as XXXXt against XXXX  XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXXXXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially False Data in violation of the CFPBs XX/XX/XXXX advisory by CFPB Director Rohit Chopra . Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXXXXXX XXXX
Product: Mortgage

Creditor 's Name : Pentagon Federal C. U. 
Creditor 's Address : XXXX XXXX  XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process. 
Mortgage protocol that is not cost effective for applicants. 
Misleading on the loan protocol process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX open date XX/XX/XXXX {$6800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX open date XX/XX/XXXX {$1800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX XXXX XX/XX/XXXX {$1300.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted.

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

Citizens One Auto Finance which is my lender has been charging late fees, stating they did n't receive payments for certain months. Or stating they received partial payments and reporting falsely to our, ( my husband and I, joint account ) credit bureaus. We have sent them bank receipts, We have told them we did n't make payment amounts they have us down as making or the dates they have recorded for us. THEY said we have contacted them 8 times and the matter is closed. They sent someone else information to us once. THEY have missing payments on history list, they have sent us. We have sent bank receipts for these missing payments and asked where is the money we paid to them. They just said their records do n't match ours and that the matter has concluded and is closed. {$480.00} is due by the XXXX of each month. We also have a XXXX day grace period before late fees are due. We always send payment by XXXX of month in amount of {$500.00}.
Product: Student loan

I called my loan servicer - EdFinancial - in mid-XXXX to set up my repayment schedule for my loans. I had a long conversation with a customer representative about my loans, including my income, my wife 's income, and our combined loans ( we file our taxes jointly ). They gave me an amount of around {$1200.00} a month under the SAVE plan that I would owe. I told the representative that she could certify the information on my behalf. Afterwards, I received a bill for {$2700.00} a month. I called back to inquire about the difference. They saw the issue and opened a ticket and said they would let me know when it was resolved. This has now been two months, I have called multiple times and it has not been resolved and they can not tell me what the issue is. I paid the {$1200.00} that they told me that I was due, and now I am getting delinquency notices from them and the government. Today I called back and they said that I certified the information after the call with the agent and that this created the issue and that there is nothing that they can do. They can not explain, in any material way, what the issue is, or why it is the case that their system gives two different amount due, or what I am to do about this. It is unacceptable for a servicer of a government loan to keep me in limbo like this for months and to be unable to calculate the amount that I duly owe on my loan.
Product: Mortgage

Recent flood insurance claim check was written to the mortgage company and me. it 's now in a secured escrow account and they wo n't release funds to start the repairs to my home. I 'm doing the work myself so they stated that I would have to purchase the materials first then they will reimburse me. So I have to come out of pocket first. They have also taken it upon themselves to make checks payable to the companies that we have submitted estimates for. I try to explain to the Insurance Claim Specialist that the quote was an estimate which can change based on how much material we will need she stated ; we would have to submit yet again another invoice. I tried to explain that this is holding up the building of the home to make it what is was prior to the flooding. She then expressed that 's it 's a process. I then asked for the written notice of this process she then expressed that its and internal memo and she can not share. She then said that I will be reimbursed by Tuesday for the materials that I have purchased so far and I have nothing yet. How is it that a bank can take it upon themselves that make checks payable to outside sources without my permission? 2 months post Hurricane XXXX and NFCU is no help.
Product: Debt collection

I was contacted in writing by QUALITY ASSET RECOVERY in XX/XX/XXXX that a {$710.00} ambulance from XX/XX/XXXX bill was sent to them for collection. I contacted the Quality Asset Recovery promptly and stated this had to of been an oversight and to let me resubmit to insurance for payment. About 30 days passed and I was contacted on XX/XX/XXXX. I was told that the insurance company paid all but {$140.00} and could I make payment which I arranged to have paid on a credit card on XX/XX/XXXX. On XX/XX/XXXX I was checking my credit report and saw that QAR reported he {$710.00} as uncollected debt with a status of " in collection '' on XX/XX/XXXX. 

This is ridiculous I followed the ruled paid the debt and they didn't even give me and opportunity to make good on it. Totally unfair. I did contact Quality and they stated it will be removed from my credit report in 45 days. I am skeptical. Not only id this lower my credit score but I am was in the process of shopping for a mortgage and this has hurt
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 FLAGSTAR BANK reported to XXXX, XXXX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, FLAGSTAR BANK any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Flagstar Bank has caused severe stress and XXXX  due to the abusive and unfair practices. 
You, FLAGSTAR BANK, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX acct # XXXX ], [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late not acurate no lates ], [ XXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX no lates not acurate XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX, are not complete and accurate. And one more thing according to 15 USC 1681s-2 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.

also i never lived at this address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

The creditor ( Peoples Financial of XXXX ) is reporting inaccurate information to XXXX  by stating the account has moved from bankruptcy to N/A. This is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX 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 card

I was called on my cell phone by a man name XXXX XXXX, i was then transferred to a man named XXXX XXXX from credit card services. from there we called XXXX of my credit card companies to ask for a lower interest rate. they prompted me that I would owe XXXX $ and were aggressive in telling me i could not get off the phone or they would charge me. they had all my credit card information and last XXXX digits of my social and my cell phone number. it was a very bad experience. i was transferred to the supervisor after i said i did not want to continue. his name was XXXX XXXX. the number they gave me was XXXX, ext, XXXX.
Product: Debt collection

I started receiving collection notices from a collection agency that were connected to an apartment building that I had never heard of prior. I contacted them and they asked about my relationship to some person I had never heard of. They asked for the last XXXX digits of my social security number and then told me that the numbers did not match what they had on file. I explained that we owned our home and that we had never rented from this agency and I asked them to stop contacting me. I checked my credit report and found that they had reported the bad debt to the credit bureau so I then filed a report with the credit bureau stating that I was being targeted for a debt that was not mine. The credit bureau investigated the claim and reported back to me that they found my complaint to be valid and they removed the debt from my credit report. When my husband and I started the process of obtaining a mortgage loan to purchase another property, I found out that the collection agency was still reporting the debt to XXXX other credit bureaus. I then contacted them again, stating that we had already cleared this up once but they refused to remove it without " the proper paperwork '' which they promised to mail to me, again, stating that the information they had on file did not match my information. The paperwork they mailed to me was a form to report identity theft, which had not occurred. Nothing on the form was relevant and the only people identifying me as the debtor was this agency. I then contacted the XXXX additional credit reporting agencies and had them investigate the report. Both of them responded the same as the first. They told me that it would be removed from my credit report. 
That was 6 months ago. I thought that the problem was resolved but today I received another letter stating they are still attempting to collect this debt. I have checked my credit report and find no reports of collections from this company but I feel it is only a matter of time before they report it again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the following accounts in question : DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX and DEPT OF EDUCATION/XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

President - i closed my td bank account XXXX but they still send account alerts to XXXX. i called yesterday they said its still not closed and there waiting for another department to close it and cant stop the alerts. by law. pta do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX  Account XXXX XXXX  # XXXX, and Account # XXXX XXXX XXXX Account # XXXX XXXX, account # XXXX, 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 angency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries that i didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXt XXXX XXXXXXXX XXXX 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, 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.
Product: Debt collection

We cancelled our XXXX account in XXXX. We received a final bill XX/XX/XXXX which we called and XXXX balanced with XXXX as they were charging for devices that were free at sign up which had also been an ongoing issue with them. This was our final payment which states no money due. We have since been with XXXX. We have had consistent high credit scores and pay bills completely not accumulating numerous debts or disputes. In XX/XX/XXXX we received a bill for a past due amount from XXXX. We contacted the company right away who stated theyd already sent It to collections and There is no further information on the account. RPM collections began calling daily to discuss payment. We disputed the claim as we have no paperwork showing what phone or device or time period this late fee is regarding. RPM resent a bill for past due amount with no further information. We have no idea what the late fee is for. RPM then stated it was a legitimate bill but could also not provide any information regarding what the late fee is for or how long theyve had it. We are being harassed for payment with no supporting documentation for a bill from a company we have had no business with for two years. We request to know what the late fee is connected to phone/ device, for what time period and where is their records for communication with us?
Product: Money transfer, virtual currency, or money service

On XXXX XXXX of my owned assets experienced a substantial increase in value. As any investor would do, I attempted to sell the asset. There was no option to do so, so I needed to convert it to another asset that could be sold. 
The asset in question is LOVELY. It's a XXXX token so the most logical choice was to convert it to XXXX. Trust Wallet wouldn't allow that transaction to take place. ( screenshot attached ) Upon contacting Trust Wallet support, they gave no actual explanation as to why a XXXX token couldn't be converted to XXXX, but simply said it wasn't allowed and " liquidity ''. 
This is simi; lar to what XXXX did a few years ago with XXXX stock and that was illegal. This nonsense has cost me XXXX XXXX XXXX
Product: Mortgage

1. Bank of America closed a residential mortgage loan based upon the forgery of my signature on the Security Deed associated with the subject residential mortgage loan. datedXXXX XXXX, 2007. 
2. Bank of America closed a residential loan as mentioned in paragraph XXXX, based upon fixing of my name where signature of my name printed below the space that was prepared for my signature, on the Promissory Note also dated XXXX XXXX, 2007. 
3. I was not aware of a closing nor present for a closing, nor did I grant anyone Power of Attorney in association with above transactions. 
4. I received a notice of my alleged indebtedness, therefore I requested from Bank of America a copy of their file to support the alleged indebtedness that I was told that I signed. I was sent a copy of the Promissory Note which is attached hereto.