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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$6400.00} - XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Its all automated and i cant get a hold of someone to fix the issue.
Product: Mortgage

This second loan was included in our Chapter XXXX. The court documents show that this loan is to be avoided upon completion of Chapter XXXX. We have completed and received our discharge on XXXX 2015. The loan servicing company America 's Servicing Company which I believe is a Wells Fargo company has been sending me statements and bills up to this date. They have been reporting this account as a charge off to credit bureaus. This is clearly a violation of the bankruptcy discharge injunction.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting and Non-Compliance with FCRA For reference, the XXXX Bankruptcy XXXX XXXX XXXX number XXXX XXXX .I am filing a formal complaint regarding TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately reporting information on my credit file. Despite my repeated efforts to address the issue directly with TransUnion, they have failed to provide adequate validation of a disputed account. 

On XX/XX/year>, TransUnion stated that they investigated the information i disputed and the disputed information was VERIFIED AS ACCURATE. However, they failed to identify the specific company responsible for the certification. This raises concerns about the legitimacy of their verification process. 

Steps Taken to Resolve the Issue : Contact with the XXXX Bankruptcy XXXX XXXX XXXX I reached XXXX to the XXXX Bankruptcy Court-Texas XXXX XXXX which XXXX XXXX XXXX XXXX not report any information to credit bureaus. 

Review of PACER Records : I reviewed my PACER records and found inaccuracies related to the reported account. 
XXXX with XXXX : XXXX confirmed that they did not validate any information from the courts and subsequently deleted the disputed item from their records. 
Despite this, TransUnion continues to report the account on my credit file without providing clear documentation of validation or identifying who verified the information. 

Violations of the Fair Credit Reporting Act : TransUnions actions are in clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to : XXXX a proper reinvestigation of disputed information, Remove unverifiable information from the consumers credit file, and Provide transparency regarding the source of any validated information. 
XXXX response to my disputewithout clear evidence of verificationconstitutes either an error or a misrepresentation. Additionally, if they obtained the information independently, their reporting process does not meet the standards outlined in the FCRA. 

Complaint Request : I respectfully request that the CFPB investigate the following : How TransUnion verified the accuracy of the disputed account. 
Whether TransUnion can provide documentation identifying the company or entity responsible for certifying the accuracy of this information. 
Why TransUnion continues to report this account despite the XXXX Bankruptcy XXXX and XXXX confirming they did not validate or report this information. 

Thank you for your attention to this matter. I trust the CFPB will address this issue promptly to ensure compliance with federal regulations and protect consumer rights
Product: Bank account or service

SOLD PROPERTY IN 2010,,, HAD XXXX WITH CHASE BANK, I WAS XXXX MONTHS LATE AND HOUSE DID SELL. ASKED FOR PAYOFF AND RECEIVED NO HELP WHAT SO EVER. WAS TOLD THE HOUSE WAS IN FORECLOSURE BUT I NEVER RECEIVED ANY PAPERWORK OR NOTICE FOR THIS. CHASE ALSO HELD OUT FOR XXXX MONTHS AND CHARGED ME PENALTIES AND INTEREST THRU THIS PERIOD OF SEVERAL XXXX DOLLARS. CALLED THEM AT LEAST A XXXX TIMES AS WELL AS THE CLOSING ATTORNEY ALSO. NEVER RECEIVED ANY RESPONSE. TO THIS DAY I HAVE CALLED AND ASKED FOR ALL THE ORIGINAL PAPERWORK AND STILL GET A RUN AROUND. THEY REPORT TO THE CREDIT BUREAU THAT THE HOUSE WAS FORECLOSED ON AND THAT WAS NOT THE TRUTH. CLOSING WAS DELAYED DIRECTLY BY THE BANK IT SELF AND I HAVE TO PAY.
Product: Debt collection

XXXX XXXX is XXXX bankruptcy. My solar debt was written off and then resold and is XXXX ow with National Enterprise Systems. They have been threatening me. However, I have offered to settle with them and verbally they say they accept my offer. Problem is no one at National Enterprise systems can get XXXX to agree to remove the UCC-1 filing on my home so I can sell it. I am in foreclosure. 
Calling National Enterprise Systems doesn't for me resolve the matter as they say they will get back in a day or two but never do get back as they seem unable to get someone in charge to agree to remove the UCC-1 filing in return for the payment.
Product: Money transfer, virtual currency, or money service

I was asked to deposit funds into the account at Wells Fargo XX/XX/18 from a fraud charge of a credit card through my company
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im trying to contact Equifax, transition and Equifax. To the accuracy of accounts on my report and why they allowed hackers and scammers to get into my accounts.

Im wanting to dispute and demand they delete these fraudulent accounts off my report and be held accountable for releasing my identity and information to unknown companies and institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and a new delinquency showed up from XXXX in the last few months. NO DATA existed before regarding payments for this account. The account was opened in XXXX when I was XXXX XXXX XXXX. I contacted XXXX and they referred me to their collection agency but would give me no information aside from claiming it was legitimate and " out of their hands ''. I contacted the collection agency and they said since it was a small debt I should just pay it and wait for it to fall off my report which I refuse to do because it is not my account and I was XXXX XXXX XXXX when it was opened so I couldn't legally do it anyway. I disputed with Experian ( it does not show up on any other credit bureaus monitoring ) and they claimed it was 100 % legitimate. I uploaded my license, birth certificate and passport and asked them to provide a contract showing I signed for this account which they said is not required by XXXX to submit negative information. I want this fraudulent account ( that appeared out of nowhere ) off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint to have this old account from 2012 that I never gave permission to be furnished on my credit report deleted. For one the account is over XXXX XXXX XXXX and should been deleted years ago and for two I never gave any permission for this to be furnished on my report at all. Instead of deleting the account the company decided to raise my balance by {$1500.00}. I am submitting another complaint because this creditor has violated myself and my rights. The account was supposed to be removed or deleted but they just decided to violate me some more and raise the balance. I want this account deleted asap. Its original date was in 2012. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Debt collection

Today XX/XX/year>, my sisters was called by Plaza Services attempting to collect a debt from me. They said that I had given them her number ( I had not ). They then provided her with my exact debt amount, {$1600.00}. They also allegedly sounded very hostile on the phone.
Product: Mortgage

Select portfolio once again continuing their insurance fraud act on my mortgage account. I have received a renewal notice. I have no obligation to have hazard insurance and mortgage payments on my home, according to my defected permanent home modification. But select portfolio have been collects a unlawful debit every month. Select portfolio has force me to pay a fraudulent insurance that doesn't exits. Select portfolio collected {$680.00} fraudulently and want to collect this coming year. I am Asking here the full name the officer who examined my mortgage and ordered that I have to pay Hazard insurance. The Documents you sent me last time to justify your decision is qualifies intentional fraudulent misrepresentation and deceitful documentation. I am asking Select Portfolio the provide the full name of the officer. I finalized my investigation last month and I have full understanding the scheme you are participating, I will file a case against all players the coming three month. my goal is that innocent home owners never go through, what you put me through.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) for inadequate customer service & unreasonable practices, which as you know violates ( CFPA ). To be specific, cashapp failed To take time & effective measures to prevent & address the fraud on the platform. I feel that left my account vulnerable & unprotected. Their dispute resolution process deceptive & quite unfair as they did not comply with EFTA & regulation E. These actions have caused financial loss and significant inconvenience and I'm seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX AccountUS DEPT ED XXXX US DEPT ED 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: Mortgage

Responses to several Complaints to the CFPB about the Standing of XXXX XXXX ( XXXX ) in a court case Index XXXX in Supreme Court, XXXX County, NY have consistently responded we are not the party of interest, which translates into we are not the plaintiff in the case. 

On XX/XX/2017, the Department of Justice ( DOJ ) announced that they had found XXXX guilty of fraud against homeowners and investors in foreclosure cases similar to ours. On XX/XX/2017, XXXX allegedly filed the present case, Index XXXX, which is almost 6 months after XXXX lost their Standing. 

The discrepancy we are pointing out is that XXXX is listed as the plaintiff in Index XXXX despite having been found guilty in those foreclosure cases and having lost their Standing in our case. The logical conclusion to be drawn from this situation is that someone else besides XXXX has listed them as plaintiff. 

The only other parties involved in our case are the two law firms that have appeared as Attorney of Record, Leopold & Associates first and presently XXXX XXXX XXXX. As a defendant in the case, I have asked the question of XXXX XXXX, Despite pointing out to you that XXXX lost their Standing by the DOJ as far as appearing in foreclosure cases, you, XXXX XXXX, has ignored our question over the past two weeks, Who is the plaintiff in our case? 

We are asking this question of both Leopold and XXXX XXXX. Here are their addresses : Leopold & Associates : XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Request a validation of the debt, Provide wet signature documents
Product: Mortgage

I'm trying to get proof from my bank that thay paid the school taxes I called up my local tax office on XX/XX/XXXX to ask them if its paid in thay told me no, So I paid it from my bank account than I'm calling up my bank from my mortgage to ask them way isn't it paid im paying in every month for the escrow so they told me they sent out a check so im calling back the tax office ask them if they get the check so they told me they get it on XX/XX/XXXX in they sent it back to the bank Now im trying to get back the money from the bank and thay not answering me So please can you help me with that
Product: Debt collection

Recieved a letter around XX/XX/2024, stating that I owe a debt for XXXX and gave me a total of {$920.00}. I emailed them on XX/XX/XXXX acknowledging that I received the letter and asked when the debt was from. I asked them to provide more information as I did not believe that the debt was correct. I never received a response. On XX/XX/2024, I received another letter saying that the payment was due and that I now owe {$930.00} with none of the information that I had requested in order to verify that I owe this debt. I emailed them a second time the same day stating that I never received verification and asked for it again.
Product: Debt collection

As soon as i missed one payment from XXXXXXXX XXXX they started calling me and harassing me. 
They will call every single day 3-6 times a day. 
I have blocked so many numbers. 
It either comes up as XXXXXXXX XXXX Or Midland Credit or they will use a local number thinking  ill answer. 
I have blocked a ton of their numbers they still find a way to harass me. I have answered telling them to stop calling me and leave me alone they hung up and still call. They will not leave me alone. This is absurd i have way more documents showing how often they call. Its ridiculous. There is no reason to call someone so much.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.
Product: Mortgage

XXXX XXXX received a letter from XXXX XXXX stating that the loan will be transferred to fay servicing and payment will need to made to XXXX XXXX until paperwork is mailed to the property from fay servicing. Received it around XX/XX/XXXX and payment will start XX/XX/XXXX to fay servicing. Payment was mailed to fay servicing on the XXXX and got a call from fay servicing informing me that the XXXX payment wasn't received. I told them XXXX XXXX received XXXX payment and that it was said that any payment made would go to XXXX. So I emailed fay the photo of XXXX payment that went to XXXX XXXX and XXXX payment to fay. Then in XXXX got another call to say XXXX payment wasn't received and I sent them proof of that money order. Then XXXX got a notification from my credit report said I'm 45 days late with fay Servicing and I disputed the issue and called fay to say it wasn't received for the XXXX payment and online line it states anything after the XXXX of the month there's a {$10.00} late fee which anytime payment was late the regular payment plus late fee was added, still with 5 pictures of money order I had to pay a double amount for XXXX. Regardless of going with proof of payment, they keep it as is and pressure you to the point of putting the house in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

Equifax- Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax not my accounts- XXXX  and XXXX XXXX not my inquiries XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX- Not my inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXX/XX/XXXX