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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX ( Original Creditor : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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.
Product: Mortgage

We have an escrow account to pay our property taxes and insurance. On XXXX Mr. Cooper, aka : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called our insurance company, XXXX XXXX XXXX insurance to request " evidence of insurance '' and there was no answer. The policy expired on XXXX. As I was speaking with XXXX in the insurance tracking center of Mr. Cooper, when I asked her why the mortgage company didn't attempt to pay the insurance policy until less than XXXX hours before it expired, surprisingly she disconnected the phone call. 
Our mortgage company failed to pay our insurance policy and got it cancelled, then had the audacity to tell us that WE FAILED keep insurance on our home. Subsequently, they purchased a different, and substantially more expensive policy with less coverage which caused our payment to go up. We are XXXX XXXX XXXX and retired and can not afford to have this burden. Please help us and let us know what remedy is available to us. 
Thank you. 
XXXX  XXXX
Product: Debt collection

i got a letter from National credit system from XXXX GA, saying i owe XXXX ive know nothing about this i was never told why i owe this. i file a dispute with XXXX XXXX. they took care of it saying it was a fraud or in inaccurate so it was erased off my credit report. but now its on XXXX and they want take it off .im not sure if it on XXXX. i dont know why they put it on my credit report. we never been to court. i file bankruptcy in XXXX and all of the sudden this account pops up in XXXX my rent was paid i didnt break my lease and ive gave them 30 days notice that i would not be renewing my lease. because the apartment was flooded every time it rain
Product: Mortgage

We have on numerous occasions submitted modification documents for our home loan number XXXX, XXXX XXXX XXXX XXXX OH XXXX. XXXX is in name XXXX XXXX. Each time we complete what they ask us to send and they keep changing what and where we need to send documents, how we have to send documents. We send the documents by the date they give us and then they change what is required. We keep trying to complete a loan modification with Carrington Mortgage Company but they are not consistent and are giving us the run around on how and where to complete our documentation.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Product: Mortgage

Good Afternoon. 

I am in the process of closing on a home, and have switched over from NVR Mortgage, to XXXX XXXX XXXX. NVR was unable to complete my loan, and XXXX has me almost to my closing in a timely fashion. We are waiting on one document to finalize, which is a transfer letter of my appraisal from NVR Mortgage. 

NVRM did not pay for the appraisal, I did. They are expressing to my new lender, that they wont give a transfer letter ( the only remaining item ) because its not XXXX compliant per XXXX XXXX XXXX. My new lender has sent them countless documentation that it is in fact compliant. From my understanding, XXXX XXXX XXXX has gotten a transfer letter from NVRM in the past, it just seems like the team I am dealing with is uneducated in their profession, and discriminatory towards their clients by not having their best interest in mind. They also are not allowing my lender to speak with their XXXX Department directly, who is the one making the final decision about this. They keep going in circles. 

When I first spoke with XXXX XXXX about a transfer letter, she had asked me if it needed to be in a certain format, making me believe that she is unfamiliar with this practice, and is not communication correctly what is actually needed from them. The same woman who told me I was unable to get a denial letter because it " not in their practice '', which I did eventually receive from my loan officer NVR has been taking things out of context, and communicating misinformation since XX/XX/2022, and our original closing was XX/XX/XXXX, until last minute they were unable to complete my loan. 

XXXX XXXX XXXX has been nothing but helpful, professional, and very educated in their profession. I would recommend them to anyone looking to buy a home, especially as a first time home buyer. NVRM on the other hand are a headache and then some.
Product: Checking or savings account

My husband and I have banked with Citizens for 6 years. XXXX Title loans for {$990.00} were deposited into our account and then withdrawn, which were not requested by us and had my name spelled wrong. At the same time XXXX XXXX XXXX transactions were fraudulently applied to our account, XXXX for {$5.00} and XXXX for approx. {$1400.00}. We do not use XXXX XXXX and never have. There is no history of XXXX XXXX in our whole time with Citizens. I can not give the exact dollar amount because we have been locked out of our online banking so we can not even see our own claim. In addition, we filed a claim against a fraudulent {$970.00} XXXX purchase, even though the most we spend at XXXX is a few XXXX at the holidays. Our account is now - {$3200.00}. All within days of each other, yet Citizens keeps refusing our claim. They have also closed down our other accounts and absorbed that money into the account that was supposed to be investigated without our knowledge before telling us their decision. Now they are threatening us with collections. In addition, they consistently reordered the dates of events/purchases throughout this whole process which hindered us from being able to respond to the crisis in a faster manner.
Product: Consumer Loan

I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.
Product: Debt collection

I am submitting this complaint independently, without any involvement from a third party. Attached are letters providing detailed information about the items reported on my credit report. I have never had a contractual relationship with HELVEY ASSOC. I believe the original creditor, XXXX XXXX FLORIDA, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX : Balance : {$8900.00} Account Name : XXXX XXXX # XXXX : Balance : {$2500.00} Account Name : XXXX  # XXXX : Balance : {$460.00} Account Name : XXXX  XXXX # XXXX : Balance : {$10000.00} Account Name : XXXX # XXXX : Balance : {$12000.00} Account Name : XXXX XXXX  # XXXX : Balance : {$1500.00} Account Name : XXXX  # XXXX : Balance : {$130.00} Account Name : XXXX XXXX  # XXXX : Balance : {$18000.00} Account Name : XXXX  # XXXX Account Name : XXXX # XXXX : Balance : {$630.00} Account Name : XXXX  XXXX XXXX XXXX  # XXXX : Balance : {$660.00} Account Name : XXXX # XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$730.00} Account Name : XXXX  XXXX XXXX # XXXX : Balance : {$52.00} Account Name : XXXX XXXX  # XXXX : Balance : {$2100.00} Account Name : XXXX XXXX # XXXX : Balance : {$200.00} Account Name : XXXX XXXX XXXX XXXX XXXX : Balance : {$640.00} Account Name : XXXX, XXXX  # XXXX : Balance : {$1900.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently recently reviewed my consumer credit reports and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX accounts has resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX report.
Product: Credit reporting or other personal consumer reports

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

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX I looked at my credit report 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 reporting or other personal consumer reports

I recently reviewed my report and noticed fraudulent account. Please remove it from my report, as that are hurting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I request an immediate removal of that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information listed such as addresses, phone number, accounts, and social security number.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to do nothing and ignore the letters I have been sending to them. The letters I sent on XX/XX/XXXX was already my 12th dispute letters sent requesting that they remove the disputed fraudulent items on my Credit report. I was a victim of identity theft, what proofs more do I need to send to the Cerdit Bureaus for them to finally remove the disputed items from my Credit report? For already a year, the Credit Bureaus have not complied with the FCRA section 605b which requires the Credit reporting agencies to remove any accounts and information that the consumer identifies as an items resulting due to identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I would greatly appreciate it if the Credit reporting agencies would remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX PARK XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA 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 Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

XXXX and XXXX keep reporting a collection in the amount of {$9700.00} that has been tuned over to the Phoenix Recovery Group, # XXXX against me. I have written documentation from the original creditor that this is NOT my debt and I am NOT responsible for paying this debt. I have sent certified letters to both Phoenix Recovery Group on XX/XX/2021 and to both XXXX And XXXX ( XX/XX/2021 ) but it is still showing up as a collection on my credit report. I need this {$9700.00} Collection deleted from the credit bureaus because I am trying to obtain a mortgage loan and keep getting denied. I have even gone to Phoenix Recovery in person and showed verification that this is not mine and they have failed to remove it and this is why I am submitting this complaint. They should have removed many months ago. Please help me by getting this erroneous debt off of my credit report and I would be truly grateful.
Product: Money transfer, virtual currency, or money service

We had a project being completed at our XXXX, when we received a " fake '' email representing the company we were doing business with. This fake email address was the same as the valid company email address except the letter " XXXX '' was added to the end of the address before the ( XXXX ) It also included all the logos and salutations at the end of the email just the real one. After requesting an ACH payment, which we were unable to do because of the amount, the fake company sent over information for a wire transfer. It had the name of the company we were doing business with the wire transfer information. We wire-transferred the money on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX, the fake company sent an email saying their bank account at USAA bank was frozen for being overdrawn. They wanted to know if we could ACH them the money again. I told them the money was sent and until we get the funds returned, we would not send any more money. I contacted XXXX XXXX XXXX  to ask for a refund of the money. We thought it odd ; they kept asking for the money to be sent again and by ACH. We eventually contacted someone at the real company, and they said the emails had not come from them. I contacted XXXX XXXX XXXX  again to let them know the receiving account at USAA Bank was a fraudulent account and to let USAA bank know about it. XXXX XXXX XXXX said all they could do was send them a notice requesting the fund be returned and to inform them their account was fraudulent. I contacted USAA bank, and they were no help in the matter. Since I did not have an account with them, I was not the owner of the fraudulent account, and they could not provide any information to me. All I wanted to know was if they knew the account was fraudulent and if the money had been released. They would not provide that information to me. 
It was very frustrating, not being able to talk with a person about the matter directly, and working through XXXX XXXX XXXX  was no help either. After a month, on Monday, XX/XX/year> USAA Bank informed XXXX XXXX XXXX  that they would not return the funds because the owner of the fake account would not return the funds. I still do not know if USAA bank knows they let a fraudulent account be set up at their bank and allowed money to be transferred to that fraudulent account.
Product: Debt collection

SINCE XX/XX/2016 AN ACCOUNT OF XXXX IS AFFECTING MY SCORE WITHOUT ANY RIGHT. I AM TIRED OF ASKING THE AGENCY AND THE CREDIT BUREAU TO VALIDATE IT WITH NO AVAIL. IF THEY ARE NOT ABLE TO VALIDATED THEN IS NOT FAIR TO BE REPORTING ON MY CREDIT REPORT AT ALL. THE ACOCUNT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days results in reason to remove these items from my credit report. It is approaching 60 days so the items should be deleted promptly. I demand these items be deleted or I will file for litigation. Also, my information was involved in the equifax data breach so it's possible my information has been missused.
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES ACCOUNTS 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, credit repair services, or other personal consumer reports

INQUIRIES LISTED BELOW! 
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 THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
as XX/XX/XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Debt collection

Comenity Bank continues to call me throughout all hours of the day, including before and after hours including. They call 2-3 times in and hour under a business number and then continue calling under a blocked number. They have called in the last two days over 16 times.
Product: Consumer Loan

I am a student who stuck in auto loan with SANTANDER CONSUMER USA 1. i got approved when dealer VWalhambra and SANTANDER make a deal for me. 
2. in program 1st time buyer + New car 3. Dealer does n't asking or give an information about gap 4. Bank approved with 23.76 % interest + NO GAP for new car loan. 
5. 1months and 15days later The car running now and system lock all tire in the same time Airbag from wheel front of me pump up still got luck because my arm protect my face while i turned off the freeway. 
6. I keep pay on time until Bank give me the final total that still owe..around $ XXXX+ 7. I tried to talk with bank that i want them to show how much they got money from insurance and Why i do n't have gap for covered for a new car?? 
8. They keep said that I told them I do n't want but that 's not true. Deal between SANTANDER AND XXXX 9. I confused and I ca n't do anything and Which Company Could help me? 
10. XXXX put {$2000.00} on XXXX but they do n't put on GAP. 
11. i got a new car for 2 months and stuck from XX/XX/2015 till now 12. with Higher interest and Dealer not respond anything like they was n't wrong. 
13 Am I wrong? that I never know about gap or about the processed and insurance from XXXX No agent because i did online nobody give me an advice. 
14. How do i know that i need gap insurance if I do n't have an accident and My car was totaled. Until when i will know??