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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Debt collection

I have tried to solve this matter with Caine and Weiner on several times ( via certied mail ), I have even offered a pay for deletions and still Caine and Wainer is opting for ignoring my letters, Caine and Wainer are trying to collect an unvalidated account, out of the status of limitations, and ignoring my intentions to resolve this matter. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus about multiple inquiries on my file from capital one 4 listed and XXXX XXXX and XXXX. I let them know that I have a alert that I must be called before issuing credit. I let them know that I have not been reached because number on file is incorrect and companies can not pull my file without notifying me. I asked companies directly about this and they always forward me to XXXX, XXXX or XXXX. ( Multiple calls ). I am sent back and forth and multiple calls with no appropriate help. I would like these inquiries off my credit report I feel like they should not run my credit without the proper permission. Please assist in helping me to remove these unauthorized inquiries
Product: Checking or savings account

I used a multi-currency account to receive financial support from XXXX XXXX XXXX XXXXXXXX. 
On XX/XX/2024, my account was deactivated. At that time, my balance totaled about XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On XX/XX/2024 I submitted a withdrawal request, but Wise sent me a letter informing me that they had decided not to return the funds that were in my account. 
On XX/XX/2024 I requested a final response from Wise regarding my issue and received a response on XX/XX/2024. The final response recommended that I contact the CFPB if I was not satisfied with the decision.
Product: Mortgage

Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to XXXX XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of XXXX XXXX XXXX is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional and continuously documents for the modification to be approved and they always said that it is still in the underwriter for review but it is already eight ( 8 ) months until to this date, I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Ocwen regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping and their mortgage servicing doesnt want to accept my request for Loan Modification. I had complied with Ocwen requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Ocwen have not dealt to me in good faith until this moment.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

My wife and I rented an apartment for 1 year. We moved out at the end of our lease, the landlord continued to bill us months beyond the close of the lease. 
Landlord did not return our deposits ( {$1600.00} ) Landlord is a well known slumlord and thief of deposits. 
Landlord then hires or sells the fraudulently manufacturered debt to a debt collection service ( XXXX  ). The landlord is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a car loan on the basis of a credit score from XXXX XXXX. My XXXX score is in the XXXX 's. Not perfect, I am aware. However my XXXX score was XXXX. Their reasons were the age of my credit, and the balances, basically saying my credit was n't new enough. Considering I have n't heard of this credit reporting agency until after my loan was denied it seems highly unlikely that the problem is on my end. The 3 major bureaus I know of XXXX, XXXX and XXXX have my credit score somewhere in the mid to low XXXX 's. The whole purpose of me trying to get a car loan was to improve my credit score in order to qualify for an FHA loan. With this score way down in the XXXX 's it appears I 'll never have the opportunity to become a home owner.
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. **Account Name : ** XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My EQUIFAX Credit Report Upon reviewing my EQUIFAX credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 or other personal consumer reports

I am writing to formally dispute a debt that has been reported to my credit file by XXXX XXXX XXXX, which I believe is erroneous and should be removed. The debt in question has been reported to the following credit bureaus : XXXX, TransUnion, and XXXX. 

I have previously disputed this debt with each of the three credit reporting agencies, as I do not recognize this debt and have not received any valid documentation substantiating its existence. Specifically, I requested that XXXX XXXX XXXX provide me with the original purchase agreement or any other supporting evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received such documentation from XXXX XXXX XXXX. 

Despite multiple attempts to resolve this matter directly with the credit bureaus, the debt has not been removed from my credit report. I have provided all necessary documentation during my disputes, but the item remains unresolved. 

I am requesting your assistance in ensuring that this debt is properly investigated and, if it can not be validated with sufficient documentation, removed from my credit file. I believe that XXXX XXXX XXXX has failed to fulfill its legal obligations in validating the debt, and their reporting of this debt to the credit bureaus is unjustified.
Product: Debt collection

My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX  and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and XXXX. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include Equifax. In XXXX however, both XXXX and Equifax again inaccurately reported the late payment. XXXX reported it again as 30 days late and Equifax reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both XXXX and Equifax using information furnished to Equifax from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both Equifax and XXXX still refuse to update my credit report accordingly. I requested a copy of the information furnished to XXXX in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. XXXX stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. XXXX refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to XXXX.
Product: Student loan

I took out a private student loan back in XXXX to fund my out-of-state tuition at the XXXX XXXX XXXX XXXX . My ex-husband cosigned. We have now been divorced for 16 years and he is still on the loan. I have been paying the loan by myself as was agreed upon in our divorce agreement. My loans were consolidated and are now with Nelnet, yet he is still on the loan. He continues to receive correspondence and we would both like that to stop. We would also both like to have his name removed, which should have happened when my loans were consolidated and taken over by a new company. Having the loan on his credit is negatively affecting his financial endeavors.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

CITI XXXX
Product: Mortgage

PNC Mortgage did not process my request for hardship assistance for this reason : " The accepted documents was not received within the required timeframe. '' I confirmed the receipt of all documents with PNC Mortgage, and each time I received a printed and / or verbal confirmation.
Product: Debt collection

On XX/XX/21, I called Datamax and spoke with XXXX. I paid a total of {$950.00} to pay off XXXX collections with their company. I was advised by XXXX that when paid, they would submit a deletion request to XXXX and that the collections would be removed from my report within 30-45 days. 

On XX/XX/21, I called Datamax and again spoke with XXXX. She advised that she would resubmit the deletion requests and to allow ANOTHER 30 days for them to be removed. On XX/XX/21 I checked my reports and the collections are still present. Also, they are still reporting that a balance is due, which is misleading to any creditor that is viewing my reports. 

You will see on the attachments that the " Last Reported '' date for Datamax was on XX/XX/21. I feel that this is a bait and switch situation.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

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

XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XX/XX/XXXX-XX/XX/XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit that is only reporting with TransUnion - XXXX XXXX # XXXX showing included in a bankruptcy. I have never filed bankruptcy. These bankruptcy comments are preventing me from closing on my home this month, XX/XX/XXXX. I have contacted Transunion but all they can do is place my account in dispute and I can not get an update from them. I have also asked in the past that this be resolved in XX/XX/XXXX but nothing was ever completed.
Product: Checking or savings account

Give me back the money for all the junkfees I wad charged
Product: Credit reporting or other personal consumer reports

I made multiple disputes to the major credit bureaus about an account from a company called Unifund LLC. XXXX refuses to remove this account while the others have removed it. This account is not mine.
Product: Bank account or service

On XXXX XXXX XXXX, a charge for {$430.00} appeared on my checking account from XXXX. I contacted Citibank that day to initiate fraud charges. As of XXXX XXXX, XXXX, Citibank has not resolved this issue. I have made XXXX separate phone calls to them, and faxed them twice. ( Although I first lodged the complaint XXXX/XXXX/XXXX, I was not told to fax a written statement until XXXX/XXXX/XXXX. ) Citibank representatives constantly reference their attempts to call me, though my phone shows no missed calls, and no messages were ever left.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, I received an email from " XXXX '' telling me to create an account on line to manage my " account. '' I thought it was phishing, so I ignored it. ( email attached ) At XXXX I received an email stating I was approved for a loan in the amount of {$1600.00} and " the money is on its way! '' I ignored it thinking it was also phishing. ( email attached ) I never applied for a loan with this company. I never received any money from this company. My credit monitoring agency has no record on my credit report or record of this company. 

Some time around XX/XX/XXXX I received a letter from a debt collection company, Direct Recovery Services, seeking to collect {$1700.00} on my " account '' with XXXX XXXX XXXX. ( copy of letter attached ). I have not contacted this company. 

I understand that this may be a bogus operation that creates false loans based on publicly available information. It then sells the loans and the loan purchaser tries to collect. See XXXX XXXX XXXX XXXX Or, it may be identity theft. 

I do not want my credit affected by this bogus loan. Could you please assist?
Product: Debt collection

I have disputed these with nothing received nor any changes. These are unknown items listed
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX C/o XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX for reporting items to my credit report despite not being licensed to collect debts in the state of Ohio. As per the Ohio Revised Code, Section 1319.12, it is mandatory for any collection agency to be licensed to conduct collection activities within the state. After a thorough investigation, I have confirmed that XXXX XXXX XXXX does not hold a valid license in Ohio. 

This unlicensed collection activity and subsequent reporting to credit bureaus are illegal and violate both federal and state laws. Specifically, the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair practices in debt collection, and the Fair Credit Reporting Act ( FCRA ) requires that information reported to credit bureaus be accurate and verifiable. By reporting these items to my credit report, XXXX XXXX XXXX has breached these regulations, negatively affecting my creditworthiness. 

I have previously disputed this matter directly with the credit bureaus and XXXX XXXX XXXX, but the issue remains unresolved. Therefore, I am seeking the CFPB 's intervention to address this violation. 

Desired Resolution : I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their unlicensed debt collection activities in Ohio. Additionally, I request the removal of all related items reported by XXXX XXXX XXXX from my credit report to rectify the damage caused by their illegal actions.