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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 and XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank for your understanding and prompt action.
Product: Mortgage

Equity Prime mortgage, materially misrepresented themselves as a lender and that they " loaned '' me money, which they did not as my research determined, they actually took the promissory note which secured the funds for my home purchase and sold it to investors after they first mad me believe the had made a loan to me- this is called securitization and is illegal, once i realized this i rescinded the contract and revoked their power of attorney, as i am aware my loan was already paid from my own credit,, they further evaded any attempt to provide documentation because in fact they can not, only a contract which is null and void due to TILA violations and non disclosures, they further tried to get me to recontract with them by sending statements under the guise of " Bills '' in order to mislead me into paying them twice, when in fact these presentments or statements are actually interest on the funds held in escrow due to me,, this is a violation of the RICO act, as i declined to re-contract with them, as i am clearly aware of my standing and the violations they committed and perpetrated against me. All 1099 filings have been completed, I even sent them a promissory note to discharge the alleged debt in full debt in full and the declined it /chose not to accept it under terms of the BIll of exchange act and the postal rule my debt is disharged, they further attempted to mislead me by responding to my inquiries and requests for information by sending their responses to an old address i lived at 9 months ago, they violated a cease and desist order and revocation of power of attorney and proceeded to damage my credit which is a violation of the Gramm -leach - blilley act which protects consumers from creditors reporting payment history and utilization... I DONT NOT OWE EQUITY PRIME MORTGAGE ANY MONEY, I never did, in accordance with HJR 192 all debts are prepaid, the debts of the people belong to the government, banks can not loan money, as no real money exists .. furthermore my property is held in a trust, Liened to the sum of {>= $1,000,000} per UCC filings
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed charges from a collections agency and now it reflects derogatory remarks on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Acct Name : XXXX XXXXXXXX XXXX XXXXXXXX. 
Acct Name : XXXX XXXX XXXX Acct Name : XXXX XXXX 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 cannont furnish a account without my written instructions.

15 U.S.C 1681 c. ( 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 informaoin, 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 informatoin 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

My personal information was stolen/used to open accounts and were being used to try and get apartments. I did not give my consent to use nor apply for anything. I noticed these account and addresses on my credit report in XXXXXXXX XXXX XXXX and i have been working hard to correct this matter. I have been gathering information, filling out police reports and contacting who I can but nothing is happening.
Product: Checking or savings account

On XX/XX/2019 an unauthorized with drawl was made from our checking account in the amount of {$3000.00}. On XX/XX/XXXX we became aware of the problem and contacted XXXX XXXX. We were told that the money was electronically transferred to pay a XXXX 's credit card. We do not have a XXXX credit card. 
The bank said they needed a signed letter stating the transaction was unauthorized. The letter was written and mailed return receipt requested. At that time they said an affidavit form was also required and they would put a form in the mail. On the XX/XX/XXXX we called the bank and again was told we needed a signed letter which was written, signed and emailed to their email address. As of that date the required affidavit had still not been received. On XX/XX/XXXX we called again and then were told that the affidavit had not been mailed and they would send it that day. The problem is that there seems to be a 10 day window for them to take action and the affidavit may not be received in time to return it. They did confirm receipt of the emailed, signed notification. Every time we call we seem to get different information. They have frozen the account and we can not even pay our XXXX bills. I have written them another letter explaining in detail everything that has happened. No response. We are a retired couple living on our Social Security and this {$3000.00} represents almost two months income.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX  bankruptcy has expired and I would like all of the items included in the XXXX  XXXX deleted as well as the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of inquiries below has " Violated '' my Federally Protected Consumer Rights to Privacy & Confidentiality under 15 USC 1681 Hard Inquiries 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 XXXXXXXX 15 USC 1681 Section 602A : States I have the right to Privacy **15 USC 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account " without my written instructions '' **15 USC 1681c. ( a ) ( 5 ) Section States : No Consumer Rep
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( Equifax, XXXX  and XXXX  ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  : XXXX ( shows up twice ), XXXX XXXX and XXXX  XXXX Equifax : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to Equifax in reference to XXXX XXXX  not reporting information correctly on my credit report. 

Prior to the current complaint, I contacted Equifax via mail about the inaccuracies on my credit report, however, I did not receive a response. I requested that Equifax, verify the account and perform an investigation per the FCRA. 

On XX/XX/XXXX Equifax completed their investigation and verified that the account is accurate and being reported correctly. HOWEVER, upon looking over my credit report, it is very clear that the investigation that was performed was not done so in a through manner. There are Discrepancies between my Equifax and my XXXX reports. The late payment dates are inaccurate. 

These findings indicate that a through investigation was not conducted. I would like to view the detailed information regarding the steps and procedures on how this investigation was initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.
Product: Debt collection

Portfolio Recovery acquired a debt owed to XXXX ( XX/XX/XXXX ) ( Portfolio Recovery Associates ( PRA ) ) - XXXX. A settlement for this account Was reached thru XXXX XXXX in XX/XX/XXXX and the last payment made XX/XX/XXXX. PRA continues to show this as a active collection with no payment plan. XXXX has attempted to obtain a XXXX balance and PRA has failed to respond. I want a receive a XXXX balance letter. This is the second account they have failed to provide documentation for & I can only get them to respond they a formal complaint.
Product: Payday loan, title loan, or personal loan

I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX. 

The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.
Product: Credit reporting or other personal consumer reports

The fraudulent personal information falsely attributed to my identity has created severe disruption in my life, as unauthorized accounts and transactions continue to appear on my credit report without my knowledge or consent. As a confirmed victim of identity theft who has already filed official reports, this situation has inflicted serious damage to both my financial standing and personal reputation, requiring immediate intervention to prevent further harm.
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 consumers rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX Account # XXXX, Has violated my rights. XXXX XXXX XXXX XXXX  Account XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX {$9400.00} This credit account is the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent credit inquiry that has appeared on my credit report. Upon reviewing my report, I noticed an inquiry listed that I did not authorize, request, or initiate in any way. This inquiry is fraudulent, and I am requesting that it be removed from my credit history immediately.
Product: Mortgage

My loan was transferred to new servicer effective XXXX/XXXX/16. I have sold my house and was scheduled to close today XXXX/XXXX/16 and that has had to be postponed because new servicer says they can not provide payoff info or account info because it is not in their system. They are offering no help and now I can not close and this effects my buyers and their buyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Product: Credit card or prepaid card

American express decided to close my account without speaking with me in regards to a resolution ... ..I spoke with a representative XX/XX/XXXX-XX/XX/XXXX week about payment arrangements .... Which I have two credit cards green card balance off {$960.00} ( which {$400.00} was being paid, the following two weeks would be an additional {$100.00} ), my other card which was {$350.00} ( with {$35.00} due which was paid that day ) ... .. I received an email that my account is canceled. Called to follow up the young lady XXXX who does not work in headquarters she is currently located in XXXX -states the credit bureau made the decision. Then corrected herself by saying you missed payments .... Which I then explained I have had an issue with the green card because I was misinformed, I was unable to pay total balance, but I am making payments!! I asked for her title to ensure she was a supervisor, which she is not! I also would like to speak with headquarters for action but unable to. I explained that American express is breaking the law, we are currently in different countries, I have not received a far chance to correct my balance!! I still have a payment agreement set up!!
Product: Mortgage

On XX/XX/XXXX at the XXXX Peoples United Bank branch I fully paid off a HE Loan balance by writing a check for over XXXX dollars I have a receipt to prove its paid in full. 
XXXX minutes later I got a call from there Collections department in Vermont. Odd because there is nothing to collect its paid in full. One day later I get an Auto Generated mortgage assistance letter which is odd again The loan is PAID IN FULL. XXXX branch on XXXX XXXX generated the mail. I called customer service and the bank president and no one is available. No one at consumers loans is available. I found the letter offensive and wrong I want an apology direct to me and wont stop complaining till I get one.
Product: Vehicle loan or lease

Set up Auto-Transfer for Auto Loan Payment of {$990.00} on XX/XX/XXXX for loan installment due from my same institution checking account. When I went to verify the auto loan payment was pending on XX/XX/XXXX, there did not appear to be any payments pending from my checking account to my auto loan. Initiated another payment of {$990.00} from checking account to auto loan to ensure payment was made for XXXX billing cycle. Auto transfer appeared to show it was queued up to transfer funds to my auto loan. On XX/XX/XXXX, after checking balances and transactions within my checking account, noticed 2 payments made to my auto loan. One in a pending status, the other posted on XX/XX/XXXX. Called Navy Federal to have pending payment cancelled. Customer service rep told me she could not stop the pending payment in process, but I could call back after payment posted on XX/XX/XXXX to have the duplicate payment reversed. I asked if anything could be done on the banking/checking account side to stop the payment and was advised it could not since all loans and accounts are on same system. Requested to file a complaint due to poor customer service and loan payment experience. I was put on hold 2 different times for 3-5 mins and was never connected to supervisor to initiate complaint. I was informed I could call back later to file the complaint or work to have the already posted loan payment reversed since the pending payment would still ensure my XXXX cycle was paid. Both options were poor ones and advised I would be filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I have noticed some addresses that do not belong to me. I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Verification and Removal of Debt Dear XXXX, ACCCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt. 

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement. 

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing disputed debt
Product: Debt collection

Hey theremy name is XXXX i was a student at XXXX XXXX XXXX when i registered for college i had XXXX XXXX and the college took the payment for my classes at that time through my XXXX XXXX program i attend the classes for a few months and then i had emergency situations my grandmother died back home in my country in XXXX i had to travel I didn't finish my classes but it was paid in the beginning of the semester and when i was back from my country I found a Collection amounts from XXXX XXXX XXXX i call them and asked why they said its because I didn't pay for my classes which was already paid in my financial aid I'm not responsible for this amount and it should not be in my name and they been mistaken I know it's not my fault and it's should be removed.
Product: Mortgage

My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.