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

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to TransUnion and XXXX. And for XXXX is the company is the company that is reporting to TransUnion and they were able to remove it to XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I requested information about the account, and they reiterated the information as seen on my credit report. This accountant information is inaccurate or invalid
Product: Mortgage

In XXXX of this year, Ocwen agreed to pay XXXX XXXX and provide {$190.00} XXXX in debt forgiveness in settlement with the State of California for amongst other things, Failure to submit correct information to credit reporting agencies on borrowers, jeopardized borrower 's ability to obtain loan modifications, provided inaccurate information on notices of default, Robosigning affidavits in foreclosure proceedings, Please notice that my monthly Ocwen statement of XXXX/XXXX/XXXX stated that my reinstatement amount for that date was {$280000.00} However on my credit report, the amount past due was entered as record for the amount of {$300000.00}? 
Can you or your client XXXX Bank, or it 's servicer Ocwen LLC please explain the difference or reason for the markup? ( see attachment ) Secondly, on the delinquency notice dated XXXX/XXXX/XXXX, My mortgage reportedly first became delinquent on XXXX/XXXX/XXXX, however, if we examine the initial default letter from Litton, I was deemed in default of my loan as the borrower on XXXX/XXXX/XXXX. ( and we should be mindful that on the credit report Ocwen, not Litton assumes ownership of this loan since it was initiated on XXXX/XXXX/XXXX ) ( see attachments - credit report and delinquency notice ) Also, Ocwen robosigned my affidavit, with the incorrect birthdate of course, while refusing or ignoring to acknoweledge recipt of the affidavit that I sent you and Ocwen dated XXXX XXXX XXXX. I sent the affidavit directly to Ocwen four times. ( see attachment )
Product: Mortgage

Hi, I've been trying to get my XXXX  cancelled and I have reached XXXX  % of the original loan amount but my Loan Servicer, Specialized Loan Servicing is refusing to cancel PMI saying this " To have the PMI removed the account needs to be at least 2 years from the origination date. Once the account is between XXXX and XXXX  years from orientation the loan to value ratio will need to be XXXX  % or less. The account hasnt reached the 2 year mark yet at it was originated on XX/XX/22. Once it has been 2 years you can submit a request to have the account reviewed and if the XXXX is not low enough you XXXX sign authorization for a property valuation to be completed. Thank you XXXX XXXX ID XXXX '' I did not see a clause that I need to wait for 2 years to have my PMI cancelled even though I have already reached XXXX XXXX of the original loan amount 's principal. 

Can you please help me out? 

Thanks, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my TransUnion score had dropped 30 points!! I panicked and immediately called Transunion and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that XXXX had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to XXXX directly. Still to this day my TransUnion credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! XXXX XXXX has launched investigations and claim that there 's nothing more that they can do. That TransUnion is just reporting the information inaccurately. And Transunion claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told TransUnion this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at XXXX ever again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX, I sold XXXX XXXX  at XXXX for {$100.00}. At that time, they gave me an envelope containing a debit card and a letter explaining how to get my money. They said I was required to make my second donation within 14 days of the first one. 

A couple days later, I went to the website at https : XXXX? XFunction=LoginPage to transfer the money to my checking account. The website said there was an error and to contact customer service. I did so at XXXX, and they said that the system was down and that I should try again the next day. When I tried again, I got the same error and called customer service again. This time, they said that it wasn't possible to direct deposit my existing balance, even though the documents I received clearly say that I can do that. I then set up direct deposit for future payments, but they said that would take XXXX business days to set up, which will be after my required 2nd plasma donation. 

On XXXX, I sold plasma again for {$100.00}, as was required. 

On XXXX, I went to a bank to withdraw the full balance of {$200.00} from the debit card. The card was declined for unknown reasons. I immediately called customer service, and they said it wasn't possible to withdraw at a bank teller, again contradicting the documents on the account.
Product: Credit card or prepaid card

AVANT.com aka XXXX ( who handles the frauds, and also XXXX  XXXX ) I had fraudulent charges made in Virginia on XXXX XX/XX/2022 as a convenience store. These charges put my card over credit limit. I have been trying to get this fixed since around XX/XX/XXXX to no avail. Today, XXXX XXXX, after another 2 hours on the phone and being hung up on numerous times, I was told there was a dispute started XXXX XXXX. 

I need this fixed as it has cost me not only XXXX, but much time and energy. It is also effected my credit scores.
Product: Checking or savings account

On XX/XX/ 2023 I attempted to deposit {$700.00} Dollars to my checking account at the ATM on XXXX XXXX XXXX. The ATM took my {$700.00} and did not credit my account. I have called 4 times now-once on the XXXX, once on the XXXX, once on the XXXX, and now again today on the XXXX. The first time the address was incorrect, the next time the address was incorrect. The last time they flat-out lied. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

36 15 USC 1666B : A creditor may not treat a payment on a credit card account under (.

open end consumer credit plan as late for purpose 100
Product: Mortgage

Hello, I had a mortgage with XXXX XXXX XXXX  and was in a forbearance due to Covid ( My Husband worked for XXXX ). The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to SN Servicing effective XX/XX/XXXX. I received a notice from SN Servicing advising that the loan is in default. 
Called SN Servicing and was told the loan is due and they will not offer a deferment. 
Called XXXX and SN on three way on XX/XX/XXXX. Spoke to XXXX at XXXX   ( agent # XXXX XXXX and XXXX at SN ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that SN doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau . I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.
Product: Money transfer, virtual currency, or money service

I started using paypal to store money on my wallet, from the start it was good and now im unable to accept my money on paypal. 

They are frauds they forced you to update the app and now you cant use your own money, Paypal are frauds. 
They took my money.
Product: Debt collection

I cancelled my XXXX ( mifi ) service in XX/XX/XXXX. XXXX continued the service and continued billing me for three months after contacting them XXXX times. They show that I owe {$110.00}. I have sent letters, community care posts, made phone calls, sent proof that I did not use the service, and told same to collection agency. They stopped calling and sending collection notices for a while, but started again ( XX/XX/XXXX ). XXXX is still showing money owed and the debt / collection is now on my credit report.
Product: Vehicle loan or lease

The company saddleback acceptance repo mycar in 2014 nd was sold but they are still reporting to the bureau companys that the payment is still late i no longer have the car so how is this possible my score goes down 20 points every month this is a nightmare and very unexceptional false information how is this company able to do this.the account is a charge off and is closed but just reported that it went up {$60.00}
Product: Debt collection

XXXX XXXX calls me every 3 minutes from different numbers. They also call my family that is not on the account with me. The earliest starts at XXXX to XXXX at night. I lost my job and try to work things out but it does n't stop the calls please help
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

On XXXX,2015 paid off my debt of XXXX to Receivable Performance Management payment processing and collection. This account was turned over to them by XXXX XXXX. I spoke to the supervisor XXXX XXXX at XXXX and was adivsed to pay the balance listed above which we agreed as payment in full and was given a confirmation number. He also advised me to send a dispute letter for the remaining balance to the XXXX credit collection agencies so the items may be removed from my credit report. I did as i was advised and i recently pulled my credit reports and XXXX of the agencies are still reporting as not paid.
Product: Credit reporting or other personal consumer reports

I am currently trying to educate myself on credit and how to utilize it. I recently downloaded a few credit score posting sites, only to find out that lines of credit were obtained using my social security number. I was a victim of a security breach years ago. Someone has diligently used my social security number to obtain lines of credit. I have reported this to the federal trade commission as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A validation of debt letter under Fair Debt Collections Practice Act was sent to AMERICOLLECT INC Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from AMERICOLLECT INC is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.
Product: Debt collection

XXXXXXXX XXXX is reporting the account XXXX as a debt.its not an account.Its is builded on a paid account paid to XXXX   account # XXXX paid {$750.00} on XX/XX/2015.Do XXXX XXXX have a court paper showing that when account was purchased and taken out of charge off.No its a paid charge off because I paid it XX/XX/2015.and XXXX XXXX need to move on off my credit reports.If you remain you have already broken the law by putting your name on my credit report and my paid debt as a open account.The F.T.C. fair reporting Act is beening broken by you reporting this account.because the information you reported is not true.and I give the C.F.P.B. permission to take a look at all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were under a XXXX forbearance but have begun a loan modification with XXXX XXXX Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from Experian and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both Experian and XXXXXXXX XXXX and asked them to correct this error. A new letter, dated XX/XX/XXXX, from Experian says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that XXXX should correct. Please help.
Product: Debt collection

Fact, the origins of this Capital One account was open in connection with a consumer credit transaction on XX/XX/2018. This transaction involved XXXX XXXX XXXX. This transaction included a finance charge. This finance charge was in violation of 15 usc 1605. According to the law A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit B. 

Fact, the origin of this Capital One account was in connection with a consumer credit transaction that included a finance charge with XXXX XXXX XXXX. This consumer credit transaction was in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge, and according to the law the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. This contract did not include my insurance in my finance charge. The fact of no insurance is shown in Exhibit A and Exhibit B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Product: Credit reporting or other personal consumer reports

This complaint is by me XXXX XXXX XXXX XXXX and its not by a third party. It is to inform you that my consumer rights are being Violated by the credit reporting agencies. There are several accounts being furnished on my account that I have know knowledge of. I demand that these accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Debt collection

I do not have a signed contract with this company. If so, i am asking for the company to provide me a copy of the signed contract with them as prove