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

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. According to XXXX, XXXX, and Equifax the account type is reporting as open account. To my knowledge, I do not have an open account with your company, which make this account reporting information in valid, delete per violation. 

Next, XXXX reporting the account detail as deposit related, XXXX states Unknown, and Equifax reporting is blank., you are reporting different information between credit agencies, which makes this information invalid, delete per violation. 

Finally, according to the credit reporting, you are reporting different account status, high credit limit, and comments, which make this account invalid and in violation, delete per violation. 

This reporting doesnt make sense, because you can not report an open account as an collection charge off with a payment after charge off comment. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of bank statements or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.
Product: Credit reporting or other personal consumer reports

Its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment/collection. They have not supplied this information and they must delete/ update to paid as agreed or never late the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the item must be deleted/update to paid as agreed or never late from the report as soon as possible. I have sent multiple letters asking for proof/details. The credit reporting agencies just respond that everything is updated or verified as accurate. I have sent letters to XXXX, Equifax, XXXX and XXXX XXXX XXXX. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the rights to privacy. 
15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX XXXX I received a letter XX/XX/XXXX stating late payments would be removed. Since then, theyve been removed then placed back resulting in me losing XXXX points from my reports. 

XXXX XXXX XXXX Ive reached out via mail to send me all documentation in their possession on the alleged debt on my account for review XX/XX/XXXX. I have since then received no response or deletion, therefore it should be removed. 

In addition, my open account with XXXX XXXXXXXX keeps reporting in the middle of, my statement date ( before Im able to pay off balance by statement ) resulting in me losing XXXX points from my reports. 



Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into XXXX dealership to XXXX XXXX XXXX car on the date above and my credit was ran twice. As a result, I would like both inquiries removed. 

XXXX XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 


Resolution : Delete inquiries, delete late payments or update as paid as agreed and delete collection. 

XXXX violations- I expect to receive compensation for each item inaccurately XXXX reinserted. 

FCRA Section.

611 Part ( A ) ( 1 ). No valid response within 30 days XXXX, Equifax, XXXX and XXXX XXXX XXXX FCRA Section 604 ( A ) ( 3 ). Pulled report without permissible purpose XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX FCRA Part ( A ) ( 5 ) ( B ) ( ii )XXXX XXXX XXXX late payment reinsertion XXXX XXXX Bank -Payments XX/XX/XXXX and XX/XX/XXXX
Product: Bank account or service

When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with TD, TD hit me with overdraft charges claiming that it was XXXX 's fault. I complained to TD bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and potential financial harm to me. 

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and financial harm to me. 

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.
Product: Mortgage

On XXXX/XXXX/2014, I filed CFPB case # XXXX which was a complaint against Ocwen Loan Servicing , LLC . In the resolution of that case, Ocwen promised to reverse a late fee in the amount of {$58.00} and apply the funds into a " suspense account '' to be used in future payments on the account. Over the course of several months, Ocwen applied fraudulent accounting techniques to hide the {$58.00} without ever applying the funds to future payments or otherwise disbursing the money back to me.
Product: Credit card

I am in the process of applying for Lowe 's discount credit card. They are asking for both date of birth and Social Security Number. Is this safe to do so, in the light of 'Identitytheft ' dangers?
Product: Credit card or prepaid card

I received an email to my personal email from Bank of America that an application had been received for an XXXX XXXX XXXX in my name. I also received an email from my credit monitoring service than a credit inquiry had been made on XX/XX/2022 to XXXX. The following day, I received an email stating that the application had been approved and the account was opened. This was a fraudulent application made as a result of identity theft. I contacted Bank of America to notify them of the fraud. I found out that the card had a {$30000.00} credit limit. They told me they placed a block on the card, flagged it as fraudulent, and would investigate and close the account. I also contacted my credit monitoring service for help with resolving the matter. I do not know how my information was compromised but it is alarming that Bank of America would issue a card with that high of a credit limit right off the bat. It seems irresponsible.
Product: Debt collection

On or about XX/XX/XXXX, representatives of Exeter Finance contacted me via telephone in an attempt to collect a debt. The debt was allegedly opened in XXXX of XXXX and was soon after written off as a charge-off. The company also failed to provide me with information regarding the validity of the loan, contract, promissory note, and/or any other documentation that legally binds me to the debt. I have no knowledge of this debt and/or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

Subject : Care Act - Deceptive Forbearance Mortgage Practices by Carrington Mortgage. 

Carrington Mortgages Services, LLXXXX. are engaging in deceptive forbearance practices. 

Carrington Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX United States Approximately 2 months ago I called Carrington Mortgage LLC that presently holds my VA Mortgage Loan to ask for assistance with my mortgage loan due to the financial national turn of events caused by COVID Virus. 

They agreed to a forbearance relief, and originally told me over the phone that my mortgage payments would be placed at the end of the loan. 

The original agreement was for only 3 months but they would be there to assist if I required more assistance. 

Again, I agreed. 

Most recently, last weekend after I checked my physical mail and I noticed that I had received a letter from Carrington, they illustrated that I was late on my payments. 

I tried calling them XX/XX/2020, which was the following day but their offices were closed. 

On the XXXX which was that following day, I finally got in touch with them and I was told the truth about this scam. 

On this call to Carrington Mortgage, I was told though I was on a forbearance the payments are accumulative and were to be paid in one full lump sum. 

I have no idea where to turn to, please assist. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VETERAN
Product: Credit reporting, credit repair services, or other personal consumer reports

the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.
Product: Credit reporting or other personal consumer reports

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

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

I was going to school for XXXX and had private loans to help me pay for it through the company VSAC. The reason I chose VSAC is because I did not have a co-signer and they still allowed me to take out loans without a co-signer. During my third year I was undergoing XXXX XXXX issues and had an approved leave of absence for one semester by my school and I had told my private loan company ( VSAC ) and they did not object or hint at any issues with continuing my loans when I would return. When I was ready to return the following semester my private loan company refused to lend me a loan. They now said that I needed a co-signer. The original issue being that I did not have a co-signer, which is why I went with VSAC in the first place because I did n't need a co-signer when I took out private loans to go to school. It was during the prime recession and down fall of all private loans. My federal loans did not cover the cost of my schooling and I was unable to afford returning to school. VSAC was still expecting me to pay ridiculously high monthly payments without any degree that would have enabled a job remotely equivalent to the payments they were requesting. I struggled out of school with looming debts working jobs that did not require a degree and thus had lower pay. All the meanwhile VSAC aggressively tracked me and called me wanting payments for loans that they backed out on. It was frustrating, exhausting and demoralizing. They did n't see me as a person struggling to make ends meat without a degree that they originally singed up to help me achieve. They backed out, not me and they still wanted payment. It 's unreasonable. My loans eventually defaulted because I could n't keep up with their payment demands. They sent my loans to a collection company and the process has started all over again. Recently I was lucky enough to be able go to an affordable community college and have gotten an XXXX degree with the help of federal loans. I think it 's irresponsible for a private loan company to back out of funding someones college and still expect payment. Each year from the time of XX/XX/XXXX- XX/XX/XXXX I was able to take out private loans that ranged in amount of $ 20,000- {$30000.00}, this is without a co-signer. I have 4 loans from them with different interest each that still compile interest on top of what is owed. As of today my 4 loans are listed below with interest tacked on because that 's how the company shows me on their website. 1. {$20000.00} 2. {$27000.00} 3. {$32000.00} 4. {$20000.00} Totaling = {$100000.00}. Each month alone {$410.00} goes to just covering interest. Please help. There is no way that this is fair consumerism. Sincerely overburdened, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report a balance for assurance even after Ive shown documentation of a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am seeking help, my rights have be violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by TRANSUNION & XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX  XXXX has failed to report to XXXX that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX   has not validated this debt as per required by the fair credit reporting act section 809. I  have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

THIS ACCOUNT HAS NOT BEEN VERIFIED. PROVE IT. 

I HAVE ALREADY DISPUTED THIS SAME ACCOUNT WITH TRANSUNION FROM XXXX XXXX ( XXXX/XXXX ) ACCT. XXXX TRANSUNION HAS DELETED THIS " Between XX/XX/XXXX and XX/XX/XXXX, your credit card with XXXX/XXXX was removed from your credit report. '' FILE NUMBER XXXX ( DATED XX/XX/XXXX )
Product: Debt collection

I just received a judgment notice from XXXX XXXX XXXX XXXX on behalf of LVNV Funding LLC. Which is very surprising to me because I've never received serve notice from them. I want to put this on the record the township that i live in doesn't have their own mail delivery services. I couldn't tell you if it's a malpractice from both XXXX XXXX XXXX XXXX and LVNV Funding LLC, who knows but the fact of the matter still does not change the fact that they violated my rights. For the last time I'm asking the credit collection company to obey the law and verified the debt to which they're claiming i owed to them. I have never conducted any business with the credit collection company for them to show up on my credit report as an original credit. I am not reliable for this debt with this collection company. I do not have a contract with the collection agency trying to collect and reporting on my credit report. This clearly a violation of my rights under ( FCRA ) especially since they are reporting a debt with no account number and claiming to be the original credit. Thus far i would like for the collection agency to send the original contract that i have signed with them with my wet ink signature on it. As my rights im giving them 7 days to provide me with a list of proof this account without no account number is mine.1 original sign contract with my wet signature. 2 detailed list of payments made by me on that debt. 3 I want to see, has there any insurance claim file on this debt. 4 And lastly I want proof you have the chain of title to collect on this debt.
Product: Money transfer, virtual currency, or money service

Cashier 's check scam/fraud through XXXX ; no assistance from Bank of America. 

I posted an item on XXXX for sale. An individual XXXX XXXX XXXX, XXXX ) contacted me, saying he wanted to purchase the item for his daughter. He said he was in the hospital, so would send me a cashier 's check for the cost of the item, plus additional for movers to pick up the item. My item was selling for {$1200.00}. 

" XXXX XXXX '' sent me a cashier 's check for {$2500.00} ( USPS tracking number XXXX ). Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, NY XXXX. The check was drawn from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. XXXX : XXXX XXXX. Numbers on the bottom of the check : XXXX XXXX XXXX. 

I received the check on XX/XX/19, and immediately deposited it into my Bank of America checking account. After I received notice from Bank of America that the check cleared, I then transferred, through XXXX, {$1200.00} to XXXX XXXX, XXXX XXXX. 

After I transferred money through XXXX, Bank of America notified me that the cashier 's check did not clear. This meant I was immediately out {$1200.00} through the scam. 

I immediately contacted Bank of America by phone. After hours on holding and reciting the story to several individuals, BofA told me that they started a fraud claim. Ultimately, I received a letter from BofA saying there was nothing they could do to help me because I approved the XXXX transfer. 

Adding insult to injury, BofA charged me a returned check fee of {$12.00}.
Product: Credit reporting or other personal consumer reports

I reached out to the company to remove the medical debt on my credit report. They verified that the debt is a medical debt and did not remove it. A law passed that does not allow the reporting of medical debt on a credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 XXXX XXXX BANK 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.