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

I am writing to formally dispute the inaccurate information reported by XXXX on my credit reports with XXXX, XXXX, and TransUnion. The discrepancies in the information provided by these credit bureaus are significant and have resulted in a gross misrepresentation of my credit profile. Additionally, my account was improperly sent to collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and seek enforcement of applicable laws for the resolution of this matter. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. High Credit : XXXX : {$0.00} XXXX : {$6200.00} TransUnion : {$6200.00} XXXX Credit XXXX XXXX XXXX : {$6500.00} XXXX XXXX {$0.00} TransUnion : {$6500.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Violations and Impact These discrepancies demonstrate a severe lack of consistency and accuracy in the reporting of my account. The reported late payments exceeding 120 days and the improper sending of my account to collections without my consent have caused undue harm to my creditworthiness and breached my right to privacy. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in dates, high credit, and credit limit reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Furnishers must investigate disputed information and report the results to the consumer reporting agencies.

6. Right to Privacy : Sending an account to collections without proper notification or consent can be a violation of privacy rights, as it involves disclosing sensitive information to third parties without authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 other 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: Credit reporting or other personal consumer reports

I have had a freeze on my credit with all 3 credit reporting agencies ( Experian, XXXX, XXXX ) since XXXX. Recently, I tried to obtain a new credit card. It was denied because of the Experian freeze. 

I have tried several times/ways to temporarily to do an unfreeze at Experian : Online at their website, Phone call, and Sent them a certified letter. 

When I try to do it online, it says it does not recognize who I am. 

When I try to do it by phone, they send me a text that directs me to an Experion website. Again, any information I enter at that website flagged as invalid. 
I have never been able to talk to a live person, and get no where using the recording. 

I sent the requested information in a normal mail certified letter 3 weeks ago. I have not received a reply. 

Experian is probably the worst company I have ever had to deal with. 

I called XXXX just to see what would happen. I was able to talk to a live person, and he was very helpful. 
Experian is probably the worst company I have ever had to deal with. 

Not being able to open a new credit card is causing problems. How can the problems with Experian be fixed?
Product: Mortgage

Under Florida Statute 57.105, attorneys fee 's can only be awarded to the PREVAILING PARTY IN A FORECLOSURE ACTION. On XX/XX/XXXX, The the moving foreclosure party ( XXXX XXXX  ) dismissed the legal action VOLUNTARILY. The Court order attached herein clearly reflects that the foreclosure action was dismissed pursuant to a settlement between us and the bank and therefore XXXX XXXX  never prevailed in the foreclosure action and NOT ENTITLE TO LEGAL FEES PURSUANT TO FLA. STAT. 57.105. See Fla. Statute attached herein for your review. 

See page 3 of 7 to the note executed on XX/XX/XXXX. Under section ( d ) " Payment of note Holder 's Cost and Expenses ''. The note reflects the following clause " If the Note holder is required to pay immediately cost and expenses for enforcing the note whether or not lawsuit is brought TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW ''. What does the last paragraph mean? It means that a lender can not add these fees to the account if the state where you reside does not permit or allowed by Statute. Under Florida Statute a lender is PROHIBITED from pursuing legal fees if have not prevail in an action. There is clear and convincing proof in that the foreclosure action was dismissed due to a settlement out of Court and therefore did not prevail in the action. PHH Mortgage Services are in car violation of Florida Statute 57.105. Both the note and the Florida Statute 57.105 does not allow for such charges given that their predecessors ( Ocwen ), ( XXXX ) DID NOT prevail in the foreclosure action. PHH actions are illegal in the state of Florida and should be reprimanded.
Product: Credit reporting or other personal consumer reports

I called XXXX  in XXXX in regards to several errors on my report. XXXX had my file mixed up with someone else 's, they had address that I never lived at, names that I never used, several inquiries and and account that I never opened from Mountain America credit union, clearly there is some fraud going on.
Product: Mortgage

I had a first and 2nd mortgage with Bank of America on a home that I no longer live in. XXXX XXXX XXXX XXXX XXXX, NC XXXX loan numbers XXXX & XXXX Recent changes in our income, plus economic factors in the area make it impossible to sell the home for what is owed. After exploring Modification options, it became clear that our best option was a deed in lieu of foreclosure. Before our loans even became delinquent, I initiated this process with B of A back in late XXXX, to get the process moving. After spending countless hours on the phone, printing out, filling out and faxing forms, and taking the house off the market, Bank of America transferred the servicing of my loan to a company called XXXX, as of XXXX XXXX, just as the process was about to be completed. I received notice of this XXXX XXXX, and brought it to the attention of my deed in lieu of foreclosure specialist, who knew nothing of it, but said that there was nothing they could do. now the loan has transferred, and I am getting no response whatsoever from Bank of America, except to refer me to XXXX. I was assured that all of the information I have submitted will be passed along, but no one could assure me that I would n't have to restart the whole process. After reaching out to B of A several times last week, they finally called me today to tell me they were no longer servicing my loan and to call XXXX. I called XXXX, but they are " still in the process of receiving my information from Bank of America. 
As part of the process of satisfying the requirements, Bank of America required us to remove all personal items and take the house off the market as of XXXX XXXX, BECAUSE BANK OF AMERICA WAS CHANGING THE LOCKS AND TAKING POSSESSION OF THE HOME. 
I now have a vacant home that I can not access, that I am told I am still responsible for and no one is willing or able to answer any questions. I do not understand how Bank of America can transfer my loan in the middle of this process, especially after they have already taken possession of the property. Our family has become the victim of the economic wreck that these shady mortgage lenders created, and I have been doing my best to do the right thing here, but it appears to me that Bank of America is doing something underhanded in order to dump a bad loan. 
We chose to go the Deed In Lieu of Forclosure route, because we felt it was unethical to drag this out for 2 years in a costly foreclosure process, plus we understand that our credit rating will recover more quickly if we did it this way. 
We have been getting nowhere with Bank of America, and are completely invisible to our new loan servicer. 
I am attaching a few of the documents that I have scanned and sent in, but I have a 3 inch thick stack of paperwork concerning this, as well as dozens of emails. I only wish I had recorded the countless phone conversations!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 ) & 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXX/XX/XXXXXXXX XXXX ....
Product: Debt collection

Debt collection for a person called XXXX. I've told them no person named XXXX has ever worked for this company. Keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

Contacted EXPERIAN, EQUIFAX AND TRANSUNION via certified mail with signature requested. The complaints have also havw been filed with CFPB with no results. 
The creditor XXXX XXXX has charged off two accounts and issued 1099c statements and has refused to removed for the credit reporting agencies. The credit reporting agencies have failed to follow the federal law in regards to 1099c cancellation of debt. 

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

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$0.00} XXXX XXXX | ACCOUNT # : XXXX | {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX on my Transunion report previously disputed. I've contacted the XXXX XXXX Colorado in which provided me with information stating they have never shared information or put a bankrutcy on my report. XXXX XXXX reports as the XXXX court which is an inaccuracy and a violation Please remove this item as it is not mine. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 previous employer listings that are not mine and false and one previous address that is wrong I never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX and I am paying down all credit cards, closed some accounts and I am about to pay my car off. I do not understand this droppage and I see no where to complain on Transunion or no good explanation for how much this has dropped. Everything is paid on time or paid off. THIS IS NOT FAIR WHEN CONSUMERS CAN NOT DO ANYTHING TO CORRECT SOMETHING THAT IS OBVIOUSLY AND ERROR AND CAN AFFECT US THROUGH EMPLOYMENT AND INVESTMENTS!!! We have to pay these companies to get our reports. THIS IS SCAM FOR EVERY CONSUMER!!
Product: Debt collection

I previously requested verification of the debt, but they did not provide the information. They end deleting it from one credit breau only.
Product: Debt collection

I called and asked for my loans to be deferred XX/XX/XXXX due to having a baby. They never put them to deferment. XX/XX/XXXX I went back school at XXXX College. Did not defer my loans due to being back enrolled in school. I was in school until XX/XX/XXXX. I called again in XXXX of XXXX because I was working less due to being 7 months XXXX. In XX/XX/XXXX I again asked for a defer in XXXX of XXXX due to XXXX XXXX to my XXXX baby. I then applied for Borrower Defense in XXXX of XXXX. My loan were not placed to be deferred so they sent me to collections. In XX/XX/XXXX my tax refund was taken by the DOE. They took {$9300.00} from me and my XXXX children. I applied for a hardship. I talked to multiple people about what I would need. They explained I would need to fill out the application and send in an legal eviction notice with what I owed and that was it. I did so. They first tried to say it wasn't legal and the amount owed was not on there. I made it clear that they were wrong about that and the women said oh well you didn't send your lease agreement. I explained that I was not told to send that in. Also it stated on the application if I could not get an eviction notice I would then need to send in my lease agreement and all she would say to me was not it is too late. Included is the application I was sent
Product: Mortgage

Complaint No. XXXX XXXX XXXX, ASC Executive Resolution Specialist, is deceptive and abusive. I am at extreme high risk of loosing my only and primary home XXXX located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX as a result in how my Transfer of Service is being handled. There is no truth to the information that ASC is providing to XXXX. The Consumer Financial Protection Bureau XXXX ( CFPB ) XX/XX/2013, dated XX/XX/2013 issued a guidance for servicers, including and not limited to America 's Servicing Company, in how to address the potential risks to consumers that may arise in connection with transfers of servicing. The CFPB explained in the article that servicing transfers are common, and may occur in several ways. I have 2 questions to be answered : 1. What Process of Service Transfer did America 's Servicing Company use? ( Please Prepare and Submit an informational Plan ) 2. Why, as the consumer, am I not aware of your procedure? ( Please prepare and submit an informational statement ) XXXX is under the assumption that the Service Transfer is complete. Documents enclosed.
Product: Credit card or prepaid card

This is a card from XXXX. I have contacted Citi in regards to the payments, i do my payments online and sometimes even though they withdraw the money from the payment they don't apply this amount. They say that the process takes 15 days, in some case i have asked my bank and create a joint call to show that the funds have been withdraw. 
The checking account is the same one and i have used this account for the last two years and always made my payments from the same account. 
i have to pay my credit card in small accounts because if i made a payment higher than XXXX, they hold the payment to reflect in my account for 15 days.
Product: Mortgage

In the past I was in constant communication with my bank provider regarding my past due, I told them I was waiting on the status of a program called XXXX that could help me with my mortgage. I also asked in case if I didn't qualify could I also apply for a loan modification, they said I could. I received a letter from bank of America towards the end of XXXX that I was sent to collections. I called right away to ask what was going on or how can I pay my past due and they told me I had to go through that attorney and pay whatever they charged me. It made no sense because in the past, I have always been able to ask or speak how to resolve my outstanding balance. They even limited my access to see any statements online which is how i would constantly check in case I missed anything. I've had higher past due balance and this has never happened to me before, they never gave me the chance to speak with me or to talk about how I can pay my current balance before sending to collections. I feel like I'm being treated unfair, they are usually rude and don't want to offer me any solutions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted EQUIFAX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting or other personal consumer reports

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

I have been receiving calls from Alliance Recovery a couple times a day. Today, XX/XX/XXXX I finally answered and spoke to a woman claiming her office was going to sue me and garnish my wages. They also told me they would be arriving at my house or place of employment to serve me with paperwork. This debt is from XXXX. Its a payday loan. 

Please help me. Its stressing me out and activating my XXXX. I have been working so hard on my credit. I told them this activity wasnt legal and they told me it is.