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

Subject : Request for Investigation of XXXX  Inaccurate Reporting and Response Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute regarding inaccurate information reported on my credit file by XXXX. Despite filing a formal dispute with the CFPB on XX/XX/XXXX, XXXX sent me a letter dated XX/XX/XXXX, stating that the account in question had been investigated, deemed correct, and would remain on my credit report. 

The account, which XXXX lists as a repossession in XX/XX/XXXX and a charge-off in XX/XX/XXXX, contains the following inaccuracies : Repossession and Charge-Off Reporting : It is unclear and inaccurate for the account to be reported as both repossessed and charged off within such a short time frame. 
Failure to Issue Form 1099-C : I have not received a Form 1099-C for this account, which raises serious doubts about whether the debt has been properly verified as canceled or discharged. 

This situation raises concerns regarding XXXX  compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX is obligated to ensure maximum possible accuracy of the information it reports. The discrepancies in how this account is reported, combined with the absence of a Form 1099-C, suggest that XXXX has failed to meet this standard. 
2. 15 U.S. Code 1681 ( i ) - Procedure in Case of Disputed Accuracy : XXXX is required to conduct a reasonable investigation when a consumer disputes an account. Their response dated XX/XX/XXXX, does not adequately address the issues I raised, nor does it provide sufficient verification of the accuracy of the account. 

Despite my attempts to resolve this matter, XXXX has failed to take appropriate action. The inaccurate reporting continues to harm my credit standing and financial well-being. 

I kindly request the CFPB to investigate XXXX  handling of this matter and require them to provide proper verification of this account or remove it from my credit report. Specifically, I request confirmation that the investigation was conducted in accordance with FCRA standards and that the accounts accuracy was properly substantiated. 

Enclosed, I have included : Copies of the XX/XX/XXXX, response from XXXX Evidence of my original CFPB dispute filed on XX/XX/XXXX A copy of my credit report showing the inaccuracies Any additional supporting documentation Thank you for your assistance. Please feel free to contact me if further information is required. I look forward to your help in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-15 U.S.C 1681 section 602A. states i have the right to privacy.

-15 U, S, C 1681 section 604A. it also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX data breach and may have got into the wrong hands.
Product: Checking or savings account

XXXX To XXXX, XXXX Tax ID # XXXX we are a Substance Abuse Out patient facility. I took family leave XXXX XXXX because my father has XXXX and was starting a new treatment. I was out the office for 63 days. I left the business bank card in my office drawer for office needs. While I was out the card was stolen when staff realized that the card was stolen XXXX XXXX Branch Manager at BB & T was contacted and notified! XXXX XXXX told XXXX our employee that his name was not on the account so he could not file a claim! 

XXXX XXXX failed to put a stop on the card and XXXX continued to have fraudulent charges made. When I returned I went into the Branch on XXXX XXXX, sat down with XXXX XXXX and went through the account. XXXX XXXX told me that the account closed 3 days prior to me coming in and that he would have to manually put a fraud claim in and that it would take him 2 days. Weeks went by with no response fro XXXX XXXX when I spoke with someone in fraud department I was told he never flied the report. After the fraud department reached out to XXXX XXXX with no response from him I was instructed to contact the CEO Chairmans Line. I spoke with XXXX at XXXX XXXX she took the claim I informed her that the pin number was with card because because some merchants will request the pin and she stated that this was a unique situation but that should not be a problem! She then informed that XXXX XXXX told her that his computer was down and he tried to put it in and when he could not he said oh well and did nothing else. XXXX XXXX refused to call the detective who was working the case. 

I received nothing in writing, email or phone call! I call into the fraud department to follow up today and was told that the claim was denied because staff had access to the pin and my company money would be refunded! I was told that a request for payment was sent to the branch and ant the manager XXXX XXXX denied twice! 

As of today I have not spoken with XXXX because he doesn't return calls or emails!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2020 XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX Made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  XXXX XXXX  made an unauthorized fraudulent inquiry on my credit report.
Product: Money transfer, virtual currency, or money service

I got a work from home job offer by XXXX XXXX in XXXX of 2021. They sent me checks to purchase materials for the job. The checks bounced and I did not receive anything. I lost {$5000.00}
Product: Debt collection

Several attempts have been made to resolve this matter. This account was apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last 9-10 years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under XXXX XXXX. XXXX. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. 

Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. 

Thank you in advance for your anticipated cooperation.
Product: Credit reporting or other personal consumer reports

I checked my equifax report and I noticed an unauthorized credit inquiry on my report. I did not give anyone permissible purpose to pull my report. Please delete this inquiry from my report. The ftc report filed in this matter is attached and the name of the inquiry is XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, person or persons unknown used my debit card number through Paypal and 3 transactions took {$1200.00} from my bank account. The bank disabled the card and issued a new one. I contacted Paypal whereupon a representative confirmed the fraudulent transactions. I was told that it may take 10 to 15 business days to get the funds returned to my bank. They would not send me an email confirming the conversation or anything that was told to me. I was only given a reference number. My bank tells me they can do nothing to facilitate the return until Paypal has acted. The money was meant to pay local property taxes that are due XXXX XXXX. I and my wife are seniors on fixed income. We now no longer have the funds to pay the taxes on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the XXXX, equifax and XXXX I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law
Product: Mortgage

Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. 

XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. 

XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. 
***ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. 

We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. 

The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 
2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 
3. Ditech/GreenTree purposely defrauds their clients and their representatives. 

***When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!!
Product: Money transfer, virtual currency, or money service

Freedom Debt Relief misled me about their ability to negotiate ( or lack therof ) with certain credit card companies. On top of that, I think I am owed money where they took settlement money in advance and were recently fined for it. I can provide documentation of the dedicated account.
Product: Debt collection

The XXXX and XXXX months in XXXX indicate that I didn't pay the monthly debt on time when I actually did. I made the payment with Navient on the phone before the due date but a report was sent to my credit that it was late. Also the last 5 months of XXXX reported that I didn't make a payment on time but I had the payments scheduled for automatic payment out of my bank account but a error occurred where payments were not made on time.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. In the account XXXX XXXX XXXX XXXX XXXX Case law in XXXX XXXX XXXXXXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it.

I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. 
I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested corrections on the following account : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX, I requested XXXX  of {$68.00} to be removed on our conventional loan, from our servicer Lakeview Loan Servicing. 
The valuation of our home as part of our refinance was $ XXXX, and our principal balance had been reduced to under $ XXXX, which means we were eligible for removal of PMI. I put in the request, and received confirmation that it was removed and would be reflected on our billing in the next month. 

It has since stated that " Private mortgage insurance is not available on this loan '' in their online portal, when selecting the mortgage insurance tab, leading me to believe that it has been removed since i requested it and it was approved. 

Flash forward to today, XX/XX/XXXX, and we are still paying MI monthly, without an option to petition for its removal on the portal. 

We have since paid our loan balance down to $ XXXX, which is past the 78 % XXXX XXXXXXXX that would automatically remove MI, and the MI has still been in place and not removed. 

I spoke with a rep on the phone today, and they said they had no record of a request, and that would no put one in. No rectifying the old request, or the payments that have been made for the past year, that should have been removed or refunded.
Product: Debt collection

I FOUND FRAUDULENT ACTIVITY ON MY CREDIT REPORT THIS COLLECTION DON'T EVEN BELONG TO ME NAME : XXXX XXXX AMOUNT : {$760.00} DATE : XX/XX/year> ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, Experian, XXXX, and XXXX.
Product: Mortgage

Under FEMA guidelines for mortgage assistance moratorium, I was entitled to, and applied for, a 3 month mortgage forebearance due to Hurricane Irmas effects in my state of Florida. I spoke with an SPS rep in XX/XX/XXXX about the forebearance and was given word to stop payments and to call again in mid XX/XX/XXXX for further information. I did not make mortgage payments for the months of XX/XX/XXXX through XX/XX/XXXX. 

In XX/XX/XXXX SPS informed me that I would be responsible to repay those three months as a balloon payment in XX/XX/XXXX. The balloon payment obviously defeated the spirit and purpose of the moratorium, was not a reasonable solution, and was therefore not acceptable, so SPS offered a modification plan as another option, which I accepted. I filled out the required paperwork, and followed all instructions. 

By XX/XX/XXXX, however, I still had received no instruction from SPS as to how much to pay, so I sent in a check for the prior amount I had been paying on the original mortgage ( deposited by SPS XX/XX/XXXX - {$470.00} ). Note : This check is the reason why, I think, that I was later reported in XX/XX/XXXX as a 60 day delinquency ( see below ) instead of 90 days. 

Later that month I learned that the modification plan had reduced the monthly payment, so the next check I sent was for the new amount ( deposited XX/XX/XXXX - {$390.00} ). 

I made the following payments in subsequent months : XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} These are SPS deposit dates. 

All of these payments have been sent ( and deposited by SPS ) on a timely basis, yet SPS reported to the credit bureaus in XX/XX/XXXXthat I was 60 days delinquent, which remains a serious blotch on my credit rating. 

Their " dispute advocacy team '' - i.e., the people directly responsible for these decisions - do not allow personal contact through phone calls, and handle everything through anonymous letters.
Product: Credit reporting or other personal consumer reports

XXXX will not remove their account ending XXXX from all Please reference Complaint No : XXXX XXXX or XXXX XXXX will not remove their account information from my credit report with all XXXX Major Credit Bureaus such as XXXX, XXXX, Experian in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with XXXX XXXX Credit Disputes XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. XXXX for XXXX to provide supporting documentation of my ownership or authorization signed by me for this account. XXXX XXXX did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX ID XXXX, XXXX ID XXXX with the XXXX XXXX XXXX who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the XXXX XXXX Department who stated I had to speak with Probate because XXXX XXXX XXXX XXXX who passed away had account open in XXXX with my name involved. I spoke with XXXX ID XXXX and XXXX ID XXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from XXXX or XXXX XXXX with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from XXXX XXXX XXXX XXXX team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and XXXX XXXX responded with the wrong account response. XXXX is negligent and committing fraud.
Product: Credit reporting or other personal consumer reports

I've filed the FTC report already TWICE like they asked me to. XXXX will NOT remove this or close this account on my credit report. It's hindering my growth. It's been too long, I have been reaching out via phone and mail since XX/XX/XXXX. They're trading my securities monthly, not giving me my interest. Committing securities fraud. Filed a civl case even though XXXX has already stolen my securities? Cmon. I'm tired of constantly seeing this, I'm trying to get loans, I can't. Getting a car loan, I can't will go to FINRA, SEC, and OCC. If you don't solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was a part of the Equifax breach.
Product: Checking or savings account

I was at a XXXX ATM PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX  between XXXX and XXXX on XX/XX/XXXX the atm didnt give me my XXXX XXXX I contacted PNC I contacted XXXX and even disputed with my bank. My bank denied the credit to my account they said they need more proof and I cant obtain the video footage from the XXXX because a crime has to be committed for the cops to view the tapes.
Product: Debt collection

I received a call on my cell phone asking for someone else. When I stated that I was my cell phone and my name the collection agent keep asking me if i new the person. I asked them not to call my cell phone again and hung up.