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

I reviewed my credit reports on XX/XX/2023 and noticed that there are inaccurate accounts reporting on my credit report. 
XXXX XXXX acct. # XXXX XXXX XXXX acct. # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I contacted XXXX, XXXX, and Transunion and asked them to investigate and remove the inaccurate accounts from my credit report and that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide. 
This is a violation of the FAIR CREDIT REPORTING ACT, and this disputed item may appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.
Product: Mortgage

First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST
Product: Mortgage

Prior to missing a mortgage payment, I completed a financial hardship application in beginning of XXXX. I received a letter on XX/XX/2023 that they needed one additional pay stub from the prior pay period and my insurance docs as I pay that separate from the mortgage. I spoke with them a couple times asking either for a forebearance or modification- some sort of assistance until I was able to get back on track. However, I was told that since I do have income coming in, I was denied for a forebearance and because my income was too low, I was denied a modification. 
So despite my request for some sort of assistance my options at this time are either to go into foreclosure, deed in lieu of foreclosure or sell the house. 
I don't understand why they are unwilling to provide me some options to be able to get assistance for a period of time until my income does stabilize? It seems they are pushing me into foreclosure instead of helping me find a shortterm workout plan. 
I am a XXXX  XXXX originating mortgages so they know very well just how devasted our industry has been in the past year due to historic increase in mortgage rates. I am paid 100 % commission so my pay is directly impacted by the industry lending volume. This year 's income was 45 % of last year 's income so they are also able to see that my current pay is not the norm but a direct result of Fed tightening. 
I indicated that I am not looking for any forgiveness of debt, I was requesting assistance in getting thru this unprecedented industry slow down and they denied my request despite my perfect payment history on all preceding payments and despite me reaching out for assistance prior to being late with my payment. What is the point of telling consumers to reach out to the server for help if they are unwilling to help during a time of financial hardship?
Product: Debt collection

My credit score dropped XXXX points because there was an account opened on XX/XX/2023 under my name and under XXXX XXXX XXXX. This is completely false. I never opened any account, nor did I ever receive any supposed bill I owed in the mail or electronically whatsoever. The company that is trying to collect this XXXX XXXX  debt from me is known as SEQUIUM ASSET SOLUTIONS. They are known as a fraudulent and scammy company. I believe I am a victim of fraud and identity theft.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Lady friend forge my name on school loan as an co-signer without me knowing it, then we got married ( XX/XX/XXXX ) and divorce ( XX/XX/XXXX ). 
Nine years later they want me to pay for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter to transunion stating that, Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. i was asking transunion to verify these accounts and inquries listed below 1.XXXX inquiry on XXXX XXXX XXXX  XXXX. XXXX XXXX inquiry on XXXX XXXX XXXX  3. XXXX inquiry on XXXX XXXXXXXX XXXX 4.XXXX XXXX XXXX XXXX account ( Original creditor : XXXX XXXX  XXXX ) also XXXX XXXX XXXX  is not licensed to collect debts in new york so they must be deleted and removed now it is now XXXX  and they have not responded or update my credit report its been over 30 days and no response. that is against the law. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof like a contract with my signature on it in the next 30 days, you must remove the account and inquiries. 
since its over the 30 day period and no response. i want these removed
Product: Mortgage

My girlfriend is XXXX and recently had XXXX my son recently left for the XXXX and I was recently laid off.
Product: Debt collection

It is a straight forward situation. I was contacted by a collection agency that services my account that they were going to put lender placed home owners insurance on my property. This increased my monthly payments 3x the normal amount.My property is a vacant lot with no structures in the middle of a wooded area with no homes close. My insurance agent acquired vacant land insurance for my lot. Both myself and insurance agent sent them evidence of insurance for months which they didn't even acknowledge until recently when my lawyer became involved. They are not communicating effectively with my attorney.This is malicious skulduggery intended only to increase the collection agency profits.
Product: Credit reporting

I filed for bankruptcy in Feb.XXXXbecause of a divorce, received moneyfrom divorce in XX/XX/XXXX, I paid all bills I filed filed on and withdrew the BKBankruptcy.Today is XXXX and still have not been able to get this taken offtaken off my credit report. It is showing a dismissal, I did not go throughwith this yet it is still on my credit report. I have been denied a Home loana small poersonal loan, a credit card, an apartment. and even had to payhigher prices for utilities to be turned on. I am a senior citizen living on afixed income, I feel i have been treated un fairlly because of this BK. It is effecting my credit score XXXX points. I try very hard to keep my creditscore up.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I initially opened the account and was informed that it would be active within a specific timeframe. 

I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. 

I visited the branch in person to seek assistance, but unfortunately, the problem persists. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the specified timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX. I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act.

According to 15 USC 1681 Section 602, I have the right to privacy.

In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions.

Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Lease with XXXX XXXX. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from Experian. XXXX refuses to remove the late credit report mark. I paid off my lease. I had a zero balance after they refunded my over payment. I never received the subsequent bill. XXXX  XXXX told me to keep my plates because all the offices were closed due to the XXXX. I want them to remove the late payment from my report.
Product: Credit reporting or other personal consumer reports

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX XXXX Number Account XXXX )
Product: Mortgage

On XX/XX/XXXX, I received a notice from my county tax office that my taxes for XXXX had not been paid. I contacted Flagstar and opened a case. They said I would receive an e-mail in 7-10 days that it was resolved. I never received the email so I called again on XX/XX/XXXX. The person I spoke to said they were doing a re-analysis on my escrow and I would receive an email to let me know it was resolved. I then received an email on XXXX stating it was resolved and received an overpayment refund of {$320.00}. On XX/XX/XXXX, I received a certified 2nd notice stating my taxes from XXXX had still not been paid. I called again. They assured me they would take care of it and I would receive an email when it was resolved. On XX/XX/XXXX, I received the email and a second overpayment refund of {$12.00}. On XX/XX/XXXX, I received a final notice from XXXXhe county that my taxes had not been paid. I called the county office this time and they informed me that back in XXXX, XXXX had contacted them and asked for a balance, but had never made payment. I called Flagstar again and was assured it would be resolved and I would get an email. I received an email on XXXX, almost a month later, that it was resolved. I then received a notice that my mortgage payment was going to be {$150.00} more starting in XXXX due to a {$970.00} escrow shortage. I called on XXXX and spoke to a manager who stated I would receive a call back once they did another escrow analysis. I received an email stating it was resolved and no phone call. The mortgage payment is still {$100.00} more than what I was paying. I do not feel I should be paying extra now due to multiple errors on their end. If my taxes had increased, I would understand. However, this is something they should have been able to fix and clear up after the very first phone call back in XXXX.
Product: Checking or savings account

My wallet was dumped on XXXX XXXX, Florida, and my debit card, credit cards, and ID were stolen. Fraudulent charges showed up on my debit card, which I disputed with my bank, Navy Federal Credit Union. XXXX credited my account but then denied my fraud claim and refuse to explain why. They also took the money out if my account and charge my account fees for negative balance. I am not responsible for fraud, especially since I reported it immediately after it happened. They refused to do anything with my account, my debit card, or fraudulent charges until the charges went through.
Product: Debt collection

On XXXX/XXXX/XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from XXXX XXXX and XXXX  that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
Product: Checking or savings account

I caught suspecious transactions on my account. One on XX/XX/XXXX by XXXX that is {$360.00} and the other on XX/XX/XXXX by XXXX XXXX hotel that is {$580.00}. I confirmed that both of transactions wasn't authorized by me. I reached out to the fraud department of Truist ( my bank ) about these two transcations, and they are refusing to refund due to the same pattern of transaction. One of the specialist in fraud team confirmed that I've never bought any products/ services from XXXX XXXX hotel . Also confirmed that I haven't bought any products from XXXX for about 3 months. I reached out to those two merchants to inform those transactions were fraudulent. I got a name of individual who reserved the room at XXXX XXXX hotel using my card information. I also talked to XXXX customer service about these transaction. XXXX says that the payment didn't go through, so the order is in still pending process, but they still charge me {$360.00}. I told all these information to the fraud department, and they said they are closing the case due to a large amount of cases. They are refusing me to help me, and defending the active criminal who still try to use my card information.
Product: Credit reporting

I put in a dispute over the phone through Transunion and XXXX in reference to XXXX hard inquiries that were not factual on my credit report I was told that they have been investigated and are accurate due to them undergoing investigation. However, the fact that I received a response 4 days after I disputed the inquires, one can assume that there was no investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which XXXX  show XX/XX/2018, Experian shows XX/XX/2018 and XXXX  shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.
Product: Credit reporting or other personal consumer reports

I am a victim of credit breach and XXXX  with unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that XXXX  activity please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, my husband wrote, signed, and endorsed a check to move {$7000.00} from our shared XXXX checking account to his XXXX XXXX XXXX XXXX IRA account. The check was mailed out on XX/XX/XXXX in an envelope along with a XXXX IRA Contribution Voucher, which included the relevant check number, amount, and date. The checks memo was explicitly written as IRA [ ACCOUNT NUMBER ] and was signed and endorsed on the back by him. 

On XX/XX/XXXX we received an envelope from the Postmaster of XXXX, XXXX XXXX, containing the opened envelope, which no longer contained the check, along with a notice that we, may have been the victim of mail theft or identity theft. We went to our local XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ) and were told that that on XX/XX/XXXX, the check had been deposited into a Bank of America account. The text Pay to the order of : XXXX XXXX had been written in someone elses handwriting underneath my husbands signature in the endorsement section of the check. We picked up a Declaration of Unauthorized Endorsement or Altered Item form from the branch. On the same day, we also reported the mail theft to the XXXX XXXX Police Department ( XXXX XXXX, Badge # XXXX ; Case Number XXXX ). We also called Bank of America and were told to file our issue with XXXX, who would then contact Bank of America when necessary. 

On XX/XX/XXXX we called the XXXX XXXX XXXX XXXX at XXXX to file a claim ( Claim Number : XXXX ). On this day we also submitted our completed Declaration of Unauthorized Endorsement or Altered Item at our local XXXX branch. 

On XX/XX/XXXX I received a letter from XXXX requesting additional information to complete their research. We faxed all relevant documents to them. The next day, I called to confirm that they had received the faxed documents. 

On XX/XX/XXXX I called XXXX and were informed that on XX/XX/XXXX, they had sent our claims information to Bank of America to request a reimbursement, with a response expected in XXXX days. 

On XX/XX/XXXX I called Bank of America and was told that processing the claim ( XXXX ) would be finished in XXXX days from then. 

On XX/XX/XXXX I called XXXX and was told to expect a response from Bank of America in an additional XXXX days. 

On XX/XX/XXXX, I called Bank of America and was told that the case should be resolved by XX/XX/XXXX, a total of XXXX days since they received an inquiry from XXXX. 

On XX/XX/XXXX, I received an email from XXXX that Bank of America had denied their request to reimburse us. I called XXXX, who told us that XXXX XXXX XXXX had denied our claim since the signature in the endorsement section was real. I called Bank of America ( XXXX ), who asked me to call XXXX ( XXXX ) to re-file the claim with XXXX XXXX XXXX as a case of altered check endorsement. After calling XXXX, I was told by XXXX that they would not refile a claim, as, anyone can modify the endorsement section of a check to include pay to the order of and deposit it into another account if a signature is present.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sir : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute regarding this debt. Thank you for your immediate cooperation.
Product: Debt collection

Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement.