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

After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XXXX/XXXX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XXXX of XXXX when I sent the dispute letters. It is now XXXX of XXXX -- 6 months later and I have not receive a response back from the credit bureau regarding my dispute. Under the XXXX XXXX Sec. XXXX ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.
Product: Credit reporting

XXXX separate hard hits to credit by XXXX on XXXX/XXXX/16, XXXX XXXX in XXXX on XXXX/XXXX/16 and XXXX XXXX XXXX on XXXX/XXXX/16 were not authorized by me with any signed paperwork. These loans were not authorized and nothing was closed by me. Dealership was shopping to try to get a deal done that never happened.
Product: Credit card or prepaid card

I've contacted Fortiva twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$150.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is {$220.00}. 

They wrote me back and said they would defer the XX/XX/XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.
Product: Money transfer, virtual currency, or money service

I have nust teported less than a week ago the {$1000.00} proof of my bank XXXX XXXX XXXX sending over the funds back to cashapp. Cashapp has now as of today XX/XX/16 sent over the funds but it was now XXXX. I am at XXXX My argument here is the 3 incoming deposits i had after the loss of being negative XXXX made my balance go down lower. After the {$600.00} and {$100.00} and {$4.00} transactions from my balance should have equaled to {$1700.00} dollars. 

Cashapp has only provided the credit from XXXX XXXX XXXX sent over and not adjusted my funds from what was sent as i was NEGATIVE. 

So after them investigating and calculation properly my balance should be {$1700.00} Not {$700.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
1. XXXX XXXX 2. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit card

I filed a complaint with the present agency. Ally responded saying they will respond in time and then replied directly to me with their standard jargon about not increasing my credit and gave no substantive response. They avoided providing their response in this portal. I perceive this to be an attempt at deception as the clandestine response was not substantive. It was Evidence that their Credit worthy evaluation in my circumstances was completely arbitrary and clearly not based on my stellar payment history. Then they sent me another secure message despite the fact that I can not send them secure messages. I further tried to send a review to them which their software conveniently was unable to apply. I contacted them today About their secure messages and my inability to send them secure messages, and the representative advised Me that his manager told him that they only send secure messages when it has to do with statements. I offered him the screenshot of my email that proves their deception, and he said they were unable to review the same. Again, I was faced with bad faith statements from them. They are just absolutely shady and deceptive. I will not close my account because I do not want to face adverse credit score result. Do not open your account with this credit card company.
Product: Mortgage

SN Servicing ( aka SNSC ) assumed our mortgage from XXXX XXXX XXXX in XXXX. In XXXX & XXXX we lost XXXX immediate family members to XXXX & became behind on our payments. In XXXX & XXXX we made substantially large mortgage payments ( $ XXXX ) to help rectify past payments & show good faith going forward. Payments were consistently made XXXX & XXXX until we were impacted with Covid in early XXXX. 
Covid packets from SNs website were completed & submitted timely throughout the pandemic, notifying changes to our status regarding payments. We requested the ability to make partial payments but instead our account access was locked, preventing any payments to be made nor the ability to view the status of our account. Repeated requests were made to SN regarding updates to our account with no response. 
XX/XX/XXXX we were notified via text from a 3rd party broker our home was in foreclosure & set to be auctioned XX/XX/XXXX. Upon reaching out to the XXXX listed in the newspaper advertisement, then did we receive a copy of the foreclosure documents. 
The property acreage is listed incorrectly at XXXX & the XXXX  was notified postponing the sale until XX/XX/XXXX. As of today, it is still incorrect. The correct acreage is XXXX, as my husband sold XXXX acres in XXXX. 
SNSC is demanding ~ $ XXXX to reinstate the loan or $ XXXX to postpone the sale for a few months to give us time to find refinancing. Neither of these options were what I thought was outlined in the government Covid relief plans, nor was the ability to charge late fees during Covid? I also thought the Covid relief plan included modifications to help borrowers have more affordable payments, by restructuring the loan with longer terms & potentially lower rates /payments. Even if we borrowed $ XXXX to get the loan reinstated, the modification we received doubled our existing payment. We CAN easily pay our previous $ XXXX payment but doubling the payment to $ XXXX we CAN NOT afford. 
When I asked if SN would work with us on reinstatement of the loan or different modification terms because we fell behind due to Covid, they stated the foreclosure was not associated with Covidbut the past due amount pre-Covid which I thought we had negotiated & put to rest with the $ XXXX that was paid in XXXX? We paid $ XXXX in XXXX check & in the payment ledger provided, I cant determine where any of those large payment were actually applied. I wouldve thought paying large amounts would have made a huge dent in the overall payment? 
We need help desperately. The late fees & misc charges SN has charged us over the past XXXX  years is astronomical. I understand at times we have fallen behind but they make it impossible for borrowers to recover. Please help us save our home. 
I have attached the ledger of our account for review.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX XXXX XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : Equifax : XX/XX/XXXX. Matches XXXX  but not XXXX. 
High Credit : Equifax : {$5300.00}. Different from both XXXX {$6700.00} and XXXX {$0.00}. 
Credit Limit : Equifax : {$0.00}. Matches XXXX, but not XXXX {$4700.00}. 
Last Reported : Equifax : XX/XX/XXXX Different from XXXX and XXXX, both of which report XX/XX/XXXX. 
Comments : Equifax : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : Equifax : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : Equifax : XX/XX/XXXX. Earlier than both XXXX and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation. 

XXXX XXXX XXXX
Product: Debt collection

I paid this debt in Full with Midland Funding and i like the debt shown paid in full and this debt deleted from all three of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Overview You're currently using 101 % of your account 's limit. 
Balance {$13000.00} Credit limit {$13000.00} This showed up on my credit history and I have no idea what it is and where it came from. Because of this my credit score dropped by 75 points and I have no idea what to do to fix it. 

Account Details Account status OPEN Type Flexible Spending Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info
Product: Credit reporting or other personal consumer reports

I Requested to have these inquiries removed from through both the CFPB and the individual credit unions Experian and XXXX XXXX attaching both my inquiry and identity theft letters. Without any progress or resolution. When I finally was contacted back from the credit bureaus they said they could not identify me.Although I know I attached my drivers license to the complaint. However I still followed their directions and went on each credit site to attach acceptable documentation identifying my self and still no resolution or response was given. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. XXXX finally posted on XX/XX/XXXX. Two payments have now been made to Caliber - one for XX/XX/XXXX and one for XX/XX/XXXX - both in the amount of {$1300.00}. Caliber switched my servicer to XXXX and did not send/post/apply funds before that transfer of service. This changed happened on XX/XX/XXXX, not allowing me time to get funds rerouted. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I, XXXX XXXX, a consumer has asked the three major credit reporting agencies to update and remove all inaccurate, and incorrect information from my credit report. I have on several occasions I requested that XXXX, Equifax, XXXX remove all negative accounts from my credit report. All three companies have refused to comply. They continue to ignore my request to correct my credit. The following accounts needs to be removed from my credit report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
I AM REQUESTING THAT THAT THESE ACCOUNTS BE COMPLETELY REMOVED AND BLOCKED from my credit file. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

The law is clear that they must be accuracy in their reporting. According to the FCRA disputed items must be reinvestigated or delete from my credit report.

Please I am requesting that you remove all inquiries and Identity Theft from my credit report.
Product: Mortgage

My loan was sold and no information was given to me. No mail was received nor was a email was sent to the account listed. I've wasted 2 hours of my time trying to pay my mortgage. Why can a company sell my loan and not give disclosure to the consumer in this process? The company is Loan Care ( which has not cared for my loan )!! They can be reached at myloancare.com
Product: Debt collection

On XX/XX/2022, I received an email communication from January Technologies Inc entitled : " Outstanding Debt Notice for .... '' it contained verbiage, logos, symbols, statement identifying them as a debt collector attempting to collect an alleged debt from me. I have never contracted with this company or its " affiliates. Pursuant to 15 USC 1692K January Technologies Inc is now civilly liable for their abusive and deceptive practices by identifying themselves as trying to collect a debt from me. I immediately responded to their communication with a cease and desist demanding them to cease all communication and collection attempts. I also made them aware that any further communication attempts would be in direct violation of the notice and all applicable laws. After sending said notice, January Technologies Inc. sent me another email communication. The communication again contained verbiage, logos, and symbols identifying them as debt collectors. There was also a signature containing the name " XXXX at XXXX '' a " Solutions Specialist ''. This constitutes harassment and breach of my initial demands listed in the initial cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency please delete XXXX account from my XXXX credit report please delete XXXX XXXX XXXX XXXX please delete from my Equifax credit report I have proof for all the incorrect information on my XXXX and Equifax credit report here is all your proof all three Credit bureaus have to report the same way across all three credit reports and they are not doing the right thing please delete
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX, XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had my Cash app in XXXX hack in {$2000.00} was sent to somebody that I dont know at all, and I cant get my money back because I guess when they had that they confirm that they knew who it was and now Im left without my money. Was able to retain my account, but I cant get my money back.
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 : # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX someone on social media offered to send me XXXX weekly and i would send XXXX to another person via another banking app, they sent me an email of a check and i did mobile deposit, at the time only a certain amount went into my account so they told me to just send that. Everything seemed fine and then a couple days later we did it again but right after i completed the mobile deposit my friend brought up the idea that it could somehow be a scam and i didnt think it would be because i was receiving money but i didnt send anything and called my bank ( wells fargo XXXX to try and cancel it from going all the way through and explaining how it could be a scam. The lady told me it was fine and i could just cancel it once it goes through, that was not the case whatsoever, wells fargo closed my accound and left me with an overdraft fee of {$400.00} which i ended up going in person to the bank and trying to fix all of this but they made me pay the {$400.00} And now i cant open a checking account with other banks and i just turned XXXX i need a checking account and to have good credit how do i dispute this.