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

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to XXXX, XXXX and Transunion and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XXXX MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) from my credit report because of multiple violations of the Fair Credit Reporting Act! 

This account is erroneous and must be deleted immediately from my credit file.
Product: Credit reporting or other personal consumer reports

About a week ago, today is XX/XX/XXXX, I applied to XXXX  to purchase a vehichle online. I could not complete the aplication because XXXX  said that experian for some reason was not verifying my identity and was preventing a soft pull on my credit report this was last Saturday because I tried to talk with a human but none was available. The following Monday at the end off the day I talked with two customer service representatives at two different times throughout the day, they said to me that there was nothing blocking a soft pull and everything should be fine. But that isn't true because XXXX  still could not verify my identity or do a soft pull. So i waited a few days and tried again where as I encountered the same problems on the aplication so I ended up calling experian again and was told the same thing that everything was fine. The guy that I spoke to at experian even made a statement that XXXX  is basically lying and that they did not want to sell me a vehichle! I find it sort of strange because when I would sighn into the experian website I would have a notification stating that my report was not available because my lenders probably had information on file that differed from information experian had on file for me. I also tried financing a vehichle through XXXX XXXX  but had issues of the same kind as XXXX. There is something weird going on here with experian because less then a month ago there was a social security number being reported on my experian credit report that wasn't even mine!
Product: Mortgage

We Purchased a new Insurance for our home. Loancare has had money sitting in an Escrow account for over a year and keep reporting us late and adding fees onto our loan.
Product: Mortgage

I have submitted numerous Loss mitigation packages to Round Point Mortgage Servicing Corporation. My application was denied and I was notified at the same time that my loan was being transferred to another servicer and now I have been notified that my home is up for an auction on XX/XX/2019. 

I tried calling the new servicer XXXX and they told me that my loan would be ported to their system by XX/XX/2019. I did in fact call XXXX on XX/XX/2019 and they told me that there was a hold up on the tranfer of all of the files from RoundPoint Mortgage Servicing Corporation. 

I can not get my new loan number, I can not do anything to help my self, because of this issue. I house has a sale dte XX/XX/2019 and XXXX may not have time to review a new modification package in order to stop the foreclosure sale. 

This is not right what RoundPoint Mortgage has done to me and my family. 
I have a sale date on my home and I am between two servicing companies RoundPoint and XXXX and neither one can help me at this point. What do I do? 

As of XX/XX/2019 XXXX became the new Servicer for my loan. XXXX has no information concerning my loan.
Product: Vehicle loan or lease

On XXXX2024 I was approved for loan on vehicle through XXXXXX/XX/XXXX. On 7-13-2024 I have 13 different inquires that wasnt approved and I just dont know how to Handel this my credit score is ruined because of this. XXXX XXXX XXXX XXXXXX/XX/XXXX is the dealership that I purchased my vehicle from and I cant figure out why they ran my credit to the total of XXXX XXXX was on XXXX2024 and XXXX onXX/XX/XXXX-2024
Product: Mortgage

On XX/XX/XXXX, I sent a secure message request to Freedom Mortgage Corporation via their website. I wrote the following : This email serves as my written request for a refund of specific reinstatement charges. I requested a reinstatement quote good through XX/XX/XXXX from the foreclosure attorney, which was {$18000.00}. A review of the XX/XX/XXXX mortgage statement noted the following : 1. The Past Payment Breakdown - paid last month section reflected {$18000.00}. However, a cashiers check in amount of {$18000.00} was delivered to Freedom Mortgage Corporation. The net difference between {$18000.00} and {$18000.00} is {$500.00}. While I am owed {$500.00}, it appears a credit of {$300.00} was applied to my account. However, I am owed a refund of {$200.00} ( {$500.00} - $ XXXX {$200.00} ). 
2. The statement reflects six ( 6 ) property inspection fees in the amount of {$30.00} each on XX/XX/XXXX. While one ( 1 ) property inspection fee appears reasonable, five ( 5 ) additional property inspections on same date appears unreasonable. I am requesting refund of {$150.00} ( $ XXXX XXXX ). 
3. The statement reflects payment as description for several amounts : {$570.00} ; {$320.00} ; {$45.00} ; {$850.00} ; {$400.00}. Provide specific detail/description for each item if not a monthly payment ( e.g., {$2600.00} ) or late fee ( e.g., {$78.00} ). 
4. The foreclosure attorney quote dated XX/XX/XXXX indicated {$1400.00} for trustees fees/costs. I am making the assumption the breakdown of charges are : {$570.00} ; {$850.00} ; {$45.00}. A foreclosure expense {$850.00} on XX/XX/XXXX ( pg. 1 of 3 ) was noted. A second {$850.00} with payment description ( pg. 2 of 2 ) was also noted. If this was a duplicate charge for foreclosure expense/ trustees fee/costs that appears to be an unreasonable charge and I request a refund of {$850.00}. 
5. The foreclosure attorney reinstatement quote dated XX/XX/XXXX indicated {$400.00} was for an appraisal. A property appraisal for the exterior and interior for {$400.00} in the XXXXXXXX XXXX  market appears reasonable. However, a property appraisal was not performed. Specifically, no appraiser was provided access to the property ( by me as owner ) to perform an appraisal of the interior and exterior of property. I am requesting a refund of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX Balance Owed : {$0.00} XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAX Collection : XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Fraudulent account
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2000.00}
Product: Checking or savings account

XX/XX/2020 - I called Optum Bank XXXX to request statements for my Health Savings Account by mail because I am unable to access their online system. Their website crashes my system when using XXXX or XXXX web browsers. Their site is the only one that has this effect. They informed me that there will be a {$1.00} fee for each statement mailed or emailed. They stated it is legal to charge this fee and I have no recourse. 

While it is not going to cause me undue financial harm to pay this fee, I find it disturbing that in order to see my transaction history I can not receive a free paper statement. I think about the people who do not currently have access to the internet that are being charged this fee. It likely has some true financial impact on them to have to pay for paper statements. I know this is not unique to Optum Bank as it occurs on my XXXX account as well and I'm disturbed that we allow financial institutions to take this unnecessary fee from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months, I've reached out to TransUnion, XXXX and XXXX to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back in 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified TransUnion, XXXX and XXXX of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All XXXX credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  ) 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 card

On XX/XX/year> I contacted Total Visa Credit to inquire why they were reporting to the credit agencies that the account was delinquent when it was closed. The supervisor went in and saw that the account request was submitted but the process internally had not been completed. He advised that he would make the necessary changes and I would not have any further issues. 
On approximately XXXX XXXX I received a notification from my credit monitoring service that Total Visa had reported the account which I was assure was closed 30 days delinquent. I contacted Total Visa and they said that the process was not completed again and they were going to take steps to correct their error. based upon past experiences with this company I am not confident that this will occur. 
I want the account closed and the erroneous reporting to the 3 agencies corrected retroactively to properly reflect my status.
Product: Credit card

Please review the attached documents. I urge the bureau to begin an investigation into these accounts, which inaccurately portray me as late, despite my consistent punctuality.
Product: Credit reporting or other personal consumer reports

I have noticed that I have XXXX collections showing on mine report. I need to have XXXX XXXX XXXX XXXXXXXX. Removed I also need XXXX XXXX  removed I also need credence XXXX
Product: Credit reporting

This is a complaint against Equifax Credit XXXX. The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX Bank ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XXXX and XXXX of 2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that 100 % that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
Product: Debt collection

I was served with a civil action from RAS LaVrar , LLC in regard to a debt I owe XXXX. I responded in a prompt and timely manner on XX/XX/year>. I attempted to send a letter to them on XX/XX/year> as well. That letter was returned to me as saying the address was not valid, yet it was listed on all of the legal paperwork as their office in the state of Georgia, where I reside. I kept calling the courthouse because I received nothing in regard to the hearing. I finally was able to get in touch with RAS LaVrar to which they told me I missed my court hearing which was scheduled for XXXX XXXX, and if I was not informed, it was the fault of the courts. I went down to the courthouse and the clerk informed me that they didn't file anything, there was no court hearing set and they had no additional information to give me. I called back RAS LeVrar while I was at the clerk 's office and the representative woman on the phone was very evasive, and wouldn't give me any information as to the supposed court hearing. After multiple attempts, she confirmed that I missed this supposed court hearing. The court clerk, upon hearing that confirmed that there was no court date ever established, and no documents were ever subsequently filed. I asked if they wanted to speak with the clerk as I was at the courthouse and they said they were unable to do so. They say all of these calls are recorded so there will be a record of each of these interactions. I will be reporting their office to the Georgia XXXX XXXX as well as the Georgia Attorney Generals Consumer Protection Division.
Product: Student loan

I have been repaying the student loan for about 4 years now after it was left to go delinquent by the other party on the loan. Navient has been steadily raising the interest rate on the loan, now over 12 %. I have made multiple requests to have the interest rate lowered and those requests have been denied. Such a high interest rate ensure 's that I will likely default on this loan and ruin my credit. I have attempted to renegotiate this loan with other companies such as XXXX but since it is not in my name I am not allowed to subsume the loan. The other party on the loan has such poor credit they would not be allowed transfer the loan to a new account.
Product: Credit reporting or other personal consumer reports

In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXX XXXX  XXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the XXXX XXXX closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from XXXX about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an old XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, XXXX  XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX
Product: Debt collection

I have sent proof of Deletion from the Creditor to XXXX and to XXXX on two accounts that they are refusing to remove. They dispute it and then place it back in collections when the proof had been sent by the Creditors and myself numerous times. The collection is in the amount of {$2600.00} from Hunter Warfield stating " in collections '' " unpaid ''. This account was paid back in XXXX.Date assigned XX/XX/XXXX XXXX XXXX XXXX is the other creditor and it states " collection account '' " seriously past due ''. The amount listed is {$590.00} ( date assigned XX/XX/XXXX and XX/XX/XXXX ) .This account is on all 3 credit bureaus. ( XXXX, XXXX, XXXX ) I have called numerous times to have these items removed from my reports completely and sent the proof via certified mail, fax, and online. I 've spoken with the Creditors themselves who have also sent the proof numerous times. I 've been given control numbers to give to the credit bureaus, but they never let me give it to them.