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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, has violated my rights. 

I looked at my Equifax 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: Mortgage

I am writing this complaint regarding a modification on my mortgage. I was offered a repayment or trial payment of XXXX for 7 months. I have had a hardship for the last several years which caused me to fall way behind on my mortgage. I have asked Select Portfolio Servicing to please give me a affordable mortgage so that I can maintain the home. They on purposely gave me the XXXX trial mortgage for me to loose my home. Select Portfolio Servicing has never tried to work with me due to my race and XXXX. They sent a letter saying if I couldnt pay the trial payment to surrender the property. I have always received letters like this as well as foreclosure letters too which has made me file bankruptcy in order to keep the property. I am asking them will they please give me a affordable mortgage so that we can move forward with this matter. I need a place to stay. I want to stay in my home. It need repairs as well. Please help at this point. Also can I get assistance on the repairs as well. Thanks
Product: Payday loan, title loan, or personal loan

This company continues to pull my credit and sell my information to other companies as an applicant for payday loans. I've called them countless times to try to remedy, they give me the run around, make me jump through hoops or never return my calls or emails. This started in XXXX of XXXX and still continues. 
I've called XXXX and was told to send in paperwork which I sent several times. When I call a few days later to confirm the documents are received, the representatives will tell me more documents are needed to remove the inquiry from my report. On XX/XX/XXXX I called because a rep told me on XX/XX/XXXX a XXXX would call me back and never did. XXXX put me on hold for XXXX minutes and then hung up. I called back and a man who would not give me his name claimed he was messaging with a XXXX and hung up. A woman named XXXX called me back and said they did receive a police report but now a signed form was needed. THEN she said the police report was no good because they did not put my full bank account number on it. Which she already knew they would not. She keeps giving excuses for why they won't remove the inquiry. She then brought up more documents needed after I've sent them several times. She promised me a call back and never did. On XX/XX/XXXX XXXX said she would have a XXXX call me back then hung up on me. Called back and talked to XXXX, he said they they have notes a XXXX will call on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX but he saw no notes that a XXXX ever did. Which means all the months before that, they never told a manger to call back. He said the theft department will not speak directly with clients. I asked him how I am supposed to remedy this. He had no idea. I finally received a call from XXXX in the XXXX XXXX. She said they have everything they need to move forward. She said they will complete an investigation by XX/XX/XXXX and I will receive an Email with their conclusion. She advised they will cease giving out my information as a party interested in getting a loan too. None of this has stopped. I continue to get calls constantly from numerous companies advising they receive information from NetCredit that I want a payday loan. I was promised in XXXX this would be removed from my credit report and it's still on there. They are still calling me daily and several times a day about predatory loans. I need my phone for work and the calls are very disruptive.
Product: Credit reporting or other personal consumer reports

I have disputed and asked multiple times for signed contracts from companies I have never even heard of, they refuse to furnish the signed contracts or remove companies off my credit report they also have a XXXX address on my report and I have never been to XXXX and I looked address up it's an office building
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I changed banks however XXXX did not update the new information in a timely manner and consequently there was a late reported on this account through no fault of my own. I made all timely monthly payments on this account. The account has since been paid off. I have provided a copy of the payment history ledger. This late payment is reporting in error and is seriously harming my credit score. Please remove and/or update this account to reflect no lates. I have contacted the bureau to remove this late reporting however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy court of XXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )
Product: Mortgage

XX/XX/2019 {$1200.00} and all of our bank recordsfor 3 months prior to this date for myself and other members in my household on our loan, social security numbers, and address. We then lost our house to foreclosure and were referred to a lawyer they use frequently and had to pay her {$670.00} on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX This company wrecked and destroyed our lives to pay off an organized crime scheme involving XXXX XXXX  and fraud at the US/MEX border in XXXX. 

They have ruined our finances. They have stolen what we worked for. They have treated XXXX XXXX  as a joke.
Product: Debt collection

I have been getting phone calls from the number XXXX for over XXXX years now. I have told them atleast XXXX times that there is nobody by that name on my number, but they still keep calling me asking for that same person. Its a different voice or person each time I have attended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not mine. Please assist in removing them.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX .Dba XXXX XXXX  located in XXXX Fl. the Bill of Sale states the amount at $XXXX XXXX then created another Bill for $XXXX. XXXX submitted for the loan amount of the XXXX to the lender, this was on XX/XX/XXXX. The lender is XXXX XXXX XXXX in financing, this lender does not give me the appropriated credit for payments made. My payments are $XXXX  per month, I have been over paying re-guesting that the overage be applied to the principle, they refuse to do so. They are also applying the wrong amount as paid they are applying $XXXX to the principle instead of the $XXXX, and are applying $XXXX in interest. therefore my totals do not go down like they should, I have provided several hundred dollars in over payments with out getting the credit for them. The billing here is inappropriate and seems to be designed to keep me paying and extending the payoff, i believe that they are taking advantage of me and creating more of a financial burden for me by not accrediting my account with the appropriate credits.I did write to them requesting an audit of my account and received a response that was not satisfactory and they continue to do their funny numbers. I need help with this matter, thank you.
XXXX XXXX XXXX XXXX XXXX a tcf company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Account number XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX, phone XXXX. According to my credit score the percntage rate that was given should have been lower.
Product: Debt collection

I was " served '' last night with a " Writ of Continuing Garnishment '' that I never knew about a hearing being set nor did I ever receive any communication from this " attorney '' or company they represent showing I owed a debt. XXXX XXXX Courts nor the " attorney '' have ever sent me any notices about a hearing date. The only communication I have received is in the form of a " writ '' last night showing " judgement '' has already been made. I tried to call the attorney Mr. Mark Leachman as well as XXXX XXXX Courts to get written validation of this supposed debt. The original " filing '' shows 2016 but I never received any notice of that either. When I tried the courts, I was hung up on for asking why I never received notice of a hearing, only the " judgement ''. XXXX at XXXX XXXX XXXX said they didn't have to notify me and I needed to call the attorney on the case. She also told me that they can bring up cases from years ago to start the process again and don't have to notify me of the new filing. I can not reach anyone at Mr. Leachman 's office to get any information on this matter. I have submitted letters to both XXXX XXXX as well as Mr. Leachman to request written validation of the supposed debt as well as asked XXXX XXXX Clerk to set a new hearing. I can not find any judge name on the " writ '' to refer to, just a case number. Until I get a written validation of the debt, I will not be paying anything because I can not verify it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CREDCO add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background very rude .Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX CEOs as last resort before I Sue them all.
Product: Debt collection

The company in question is NCAA. National credit adjusters. I had to delinquent accounts with them and back on XX/XX/2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45 days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money
Product: Credit reporting or other personal consumer reports

I would like the XXXXXXXX XXXX account removed off all three credit reports. The reason is because I do not owe this mortgage company any money. I sold my home in XXXX  The second reason is because this account has been on my credit reports for XXXX years and XXXX  months. This account has ran its course and should be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I made a payment in full to close the account for this daily accrual interest loan on XX/XX/XXXX but was told that it takes two days to process the payment. I was charged interest over the two days that it took THEM to process the payment which resulted in an extra {$1500.00} that I still had to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting Step 2 Edit this section What type of problem are you having? 
ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 
Recently my FICO Score dropped significantly. XXXX XXXX referred me to XXXX and they explained that the negative data is reported by the XXXX XXXX Bank, an affiliate bank under the United Bankshares Holdings. Since our mortgage account was serviced by the XXXX bank ( bankingwithunited ) another affiliate of the United Bankshares Holdings, I think that a lack of information synchronization among the sister banks has caused the problem. Indeed, our mortgage account with the XXXX  bank was paid off in XX/XX/2016, the bank later sold our property to another mortgagor for 30 % higher price, but continued to charge our account for additional mortgages almost a year after they bought our property for the value of the balance, but did not release the loan from obligation. This all is a banking irregularity, which should not be affecting the customer. In this case, it seems the XXXX  bank got the property at the reduced price ( mortgage balance ), sold for a higher price ( made a profit ) but still wants to collect mortgages from the owner whose property was extorted. Not a respectable thing to do, but it is happening now. Maybe no, but the whole situation must be resolved. CFPB may help. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION United Bank-shares Holdings SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX OTHER INFORMATION ABOUT THIS COMPANY XXXX  bank XXXX XXXX, XXXX  Virginia XXXX XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX United States I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint
Product: Credit reporting or other personal consumer reports

Ongoing Negligence by Credit Bureaus and Impact of Identity Theft I have been a victim of identity theft since 2018, and despite taking numerous actions over the years to address fraudulent accounts on my credit report, the XXXX XXXX  credit bureausXXXX, XXXX, and TransUnionhave failed to correct these errors. 

Actions Taken by Me : I have repeatedly disputed the fraudulent accounts with all three credit bureaus, providing supporting documentation each time. 
Despite my efforts, the credit bureaus have relied solely on their automated E-OSCAR system to process disputes, rather than conducting a proper human investigation as required by law. 
The results of these disputes have consistently come back as " verified, '' which is false and demonstrates their failure to perform a thorough investigation. 
Negligence by Credit Bureaus : The credit bureaus have not fulfilled their legal obligation to investigate disputes properly under the Fair Credit Reporting Act ( FCRA ). 
They have also sent my personal information overseas to countries like XXXX and the XXXX, which raises serious concerns about data security and contributes to the growing issue of identity theft. 
Data Breaches and Their Impact : In addition to being a victim of identity theft, I recently discovered that my personal information was impacted by a data breach at XXXX. 
Furthermore, XXXX XXXX leaked my data, compounding the damage caused by these breaches. 
Personal and Financial Impact : The negligence of the credit bureaus and the mishandling of my personal information have caused significant harm to my life, including : Severe financial burdens. 
Defamation of character. 
Inability to purchase a home for myself and my children, as I am a single father. 
Emotional distress and damage to my livelihood. 
Demands : I am demanding the immediate deletion of all fraudulent accounts from my credit report. Additionally, I believe I am entitled to compensation for the negligence and harm caused by the credit bureaus ' failure to act responsibly.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, XXXX and Trans Union collectively.  A debt collection agency known as XXXX XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here the Steps I took : 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian ) each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians Ceo as last resort before I Sue them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3300.00}
Product: Credit reporting or other personal consumer reports

I want XXXX to remove items that are not mine due to identity theft. I made a report XXXX with the federal trade commission. XXXX is not removing the items. Accounts to remove 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 and I want all of my inquires removed due to identity theft.
Product: Debt collection

I.Q. data international had false info put on my credit report, failed to validate the dang and repeated harassing phone calls
Product: Checking or savings account

I received a notice that frivolous fees that didnt apply to me.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT I SAW XXXX INFO IN MY CREDIT REPORT
Product: Consumer Loan

loan max of XXXX ohio has been told not to contact me at work ( DNC ) per my manager per myself. They have called me at work twice now after the DNC was requested and to my knowledge its against the law.