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

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX profile, it stated that a collection account was added to my credit report and that Diversified Consultants flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
Product: Debt collection

I was n't sure how to describe the issue but in my words the way the debt collector Centron Services out of XXXX Montana served me the debt was in my eyes very unprofessional of them. On XXXX XXXX 2016 XXXX XXXX a process server with centron services trespassed into my home to serve me. I notified him that he was trespassing and told him to leave my residence. He continued to argue with me that the courts told him he could trespass into my home to serve me. I had a posted no trespassing sign affixed to my home and notified him that for any purpose trespassing is not allowed. I filed a police report with the local sheriffs office where I was told there 's nothing they can do because trespassing is a gray area. When I talked to the judge whom signed the order she stated that yes it was criminal trespassing and that I should let Centron Services know about the issue. Upon calling the company I ended up speaking to a XXXX XXXX whom is manager and explained the situation to her she asked for some basic information such as the police report number and whom I spoke with, which I was more than accommodating and gave her all the information she asked for to which she blatantly said thank you and hung up the phone on me. About 3 weeks later I received a piece of mail from Centron Services that stated I did not contact them and I would be in default judgment because of not contacting them about the debt. The way I see it is the company broke the law to get a debt from me and did n't get any recourse action because of it. And deceived me by not calling me back or notifying me that because I did not discuss the debt I therefore did not contact them. This was a very deceitful way they collected a debt from me.
Product: Vehicle loan or lease

My car have been theft and in an accident. I am reaching out to this company to get compensated for my warranty. They are giving me a hard time of getting the funds. I spoke with XXXX and XXXX and they gave me a email to reach. I reach that email and I have not heard anything back to get the proper compensation applied XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a dispute via USPS, tracking number XXXX XXXX XXXX XXXX XXXX they received the dispute on XX/XX/2020. As of XX/XX/2020. They have not mailed back an updated credit report or mailed back the results from the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with personal information listed under XXXX and validation was requested as this was personal information that I did not recognize. I reviewed my credit report and I have not received any correspondence from credit bureaus to validate this personal information as correctly belong to me nor has my credit report been updated to reflect that the credit report is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates. The credit report continues to negatively affect me. Please strike and remove this address, phone number and employment from all 3 credit bureaus until adequate validation has been received proving that the personal information belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Account Number : XXXX Date Opened : XX/XX/XXXX ________________________________________ Dear Sir/Madam, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and requesting that you provide me with the following : 1. Proof that the debt belongs to me ( including the original creditor 's name and the total amount owed ).

2. A complete payment history from the time the account was opened until the most recent transaction.

3. Verification of your authorization to collect on this debt on behalf of the creditor.

4. The exact loan type and terms of the revolving account, and whether it is classified as a credit card. 
Please cease any collection activities until this information is provided in writing and I have reviewed it for accuracy. Additionally, if this debt has been reported to credit bureaus, I request that you notify them that the debt is under dispute until validated. 
I expect a response within 30 days, as stipulated by law, confirming or dismissing the claim. Failure to provide this documentation will confirm that the debt is invalid, and no further contact will be necessary. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an
account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

The property tax department overpaid my 2023 Property taxes by {$10000.00}, creating an escrow shortfall. The overpayment will double by monthly mortgage payment from {$2300.00} per month to {$4600.00} per month while the Property tax department works on getting the overpayment refunded from my county.

This process could take months and in the meantime this increase will cause financial hardship to me and my family. 

How could such an overpayment {$16000.00} paid versus {$6500.00} due be made without someone flagging this through the internal control process of this group? 

This is a complete failure in the property tax department 's internal controls and management should be held responsible.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

On XX/XX/year> I sent EQUIFAX a NOTICE regarding adverse accounts on my consumer report. As of XXXX, XXXX  I have not received a response. this is the NOTICE I sent EQUIFAX : Re : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX is the Consumer Reporting Agency, and I am the Consumer.

15 USC 1681 602a ( 4 ) of the FAIR CREDIT REPORTING ACT, " There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6801 ( a ), " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681b a ( 2 ), " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 1681C ( a ) ( 5 ), " Except as authorized under subsection ( b ), 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. '' I have been granted the right to ensure my private information isn't shared and I was never informed of my right to exercise my nondisclosure option. The above re : accounts are adverse items and are reporting without my permission and EQUIFAX is not maintaining reasonable procedures. I require Deletion of re : accounts.

Also, 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. This is NOTICE that I am opting out of your reporting services of the above mentioned re : accounts. The financial institution and the Consumer Reporting Agency EQUIFAX do not have my consent to furnish this information and they certainly do not have my written consent. To be clear, any and all consent to EQUIFAX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED on the ABOVE MENTIONED RE : ACCOUNTS.

Exercising my protected Consumer Rights,
Product: Bank account or service

This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. 

[ See attached letter for details. ]
Product: Debt collection

On XXXX XXXX 2017 I received a letter from Northstar Location Services , LLC, about a debt they were trying to collect in the amount of {$32000.00}. On XX/XX/XXXX I sent them a letter requesting them to, among other things, establish their ownership of the debt, verification of the debt, and information about their authority to collect the debt. This letter was sent via USPS certified mail, and received in their office XX/XX/XXXX.
On XX/XX/XXXX I received a series of account statements, which appeared to be in my name, for a debt I do not recognize. There was no information about their ownership of the debt, their authority to collect the debt, the status of their debt collection license ( if any ), etc. All of this information, and more, had been requested in my original letter, as well as my assertion the debt was disputed. To date, this company has failed to provide any of this information.
They have, however, began to call my elderly mother, and presumably other people, despite the fact they are clearly able to communicate with me via mail, and despite my written request that they do in fact communicate with me by mail. There is no reason for them to be contacting others in an attempt to " locate '' me.
As a result I believe this firm to be in clear violation of the Fair Debt Collection Practices Act. They have failed to verify the debt, their authority to collect this debt, and their ownership thereof. And finally, they are needlessly contacting third-parties to " obtain location information '' when we are already in written correspondence, a tactic which seems closer to harassment of my family than a good-faith effort to find me.
I have attached my written response to their original letter.
Thank you for your attention to this matter.
Product: Mortgage

Started the process of coming out of forbearance due to XXXX  in XX/XX/XXXX then our mortgage was sold to Freedom Mortgage. Freedom mortgage said they would continue where our previous mortgage left off with forbearance. They said they were sending paperwork for loan modifications. Never did. Then finally in late XXXX  almost XXXX  they asked for documents. We faxed all the documents in to them. We even talked to a representative to make sure we sent the correct paperwork. Then months later we received a notice they didn't receive everything. This was the beginning of lies. So we again sent them. This time they suggested we emailed. So we spent hours scanning and then emailed them. We waited. Months went by and nothing. Said they were reviewing. Then come to find out they said we were missing documents. Another lie. Then they said they weren't current enough. Another way to procrastinate this process. Meanwhile rates are sky rocketing. How convenient. Frustrated again we call them and ask to speak to someone higher up. They told me exactly what I needed to send. I got everything I needed. We scanned for hours yet again and before I emailed them I emailed the previous freedom mortgage employee I had talked to to make sure they were all correct. She refused to email me back. So I sent them! This was now in XXXX of XXXX. Nearly a year later playing this game with them. We then get a letter saying " paperwork incomplete ''. I was furious!! I called and they said it was in underwriting. I then get another notice saying it was complete. Go figure ... after I filed a XXXX  in XXXX. XXXX comes and we receive a packet of paperwork that needs to be notarized. We get a call from a company that was hired by Freedom to notarize our paperwork. We make an appointment. We ask the notary about the dates and she says " oh don't worry about that they know it's coming and appointments have been tough ''. I almost feel like a huge weight is lifted. That was short lived when I received a letter two days later saying we will be rejected because they didn't get it in exactly XXXX  calendar days. I was yet again, furious and devastated. Called Freedom and was told " oh I always tell people to get their own notary '' I was just in awe and shocked. I almost fell apart. Why offer us a notary?? To hope we get rejected? Now we are told we will most likely be rejected and need to start the ENTIRE PROCESS AGAIN!! It has been XXXX  months of pure XXXX and has effected our mental health greatly. This business is unethical and will do whatever they can to steal from you. I have read reviews and this is happening to hundreds and maybe thousands of people. Please help.
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 : XXXX, -Account Name : XXXX XXXX XXXX XXXX -Account Name : XXXX, XXXX XXXX, -Account Name : XXXX XXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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. 


ALL OF THESE ACCOUNTS ARE LISTED AS APARTMENT AGENCIES. I XXXX XXXX, HAS NEVER BEEN ASSOCIATED WITH ANY OF THESE ENTITIES. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect
Product: Credit card or prepaid card

I have 3 cards, all purchased at $XXXX from the same XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, NY.  Two of the cards were purchased and the cards inside had apparently been utilized in 2016 and the other said it was inactive. All 3 cards were charged properly to my credit card. I sent all of this info in and I have yet to hear back.This is a significant amount of money and I am in need of mediation.
Product: Mortgage

On or about XX/XX/2021, I was to sign my closing documents. Unfortunately, reading the documents with the notary, the numbers that I was given, and the closing costs and my new payment were wrong. 
I was also told that my request for not having my homeowners insurance put in an impound account would be granted. That was the same as my previous mortgage company. I told the notary that I could not sign these documents. As the notary was leaving, she either called or was called by the broker, Modern Mortgage. XXXX XXXX XXXX and XXXX XXXX, representatives of Modern Mortgage, wanted to speak to me. They told me that I had to sign and that everything would be taken care of then. Foolishly, I believed what they told me. A few days later, I called and was told that they were working on everything. I was told someone would get back to me. I called the new mortgage company only to find out that I would have an impound account. I was also told that Modern Mortgage should have been aware of that. After calling Modern Mortgage several more times and being told that XXXX would get back to me with that not happening, I began to look for help. I filed a complaint with the XXXX XXXX XXXX After several attempts to contact Modern Mortgage, the XXXX  stated that they were not responding and nothing could be done. As a XXXX veteran, I trust in people who claimed to be working with the VA, only to be lied to and lose money. This should not be allowed happen to again to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed immediately.