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

In accordahce with the Fair Credit Reporting act XXXX XXXXXXXX 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 In accordahce with the Fair Credit Reporting act XXXXXXXX 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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.
Product: Debt collection

NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. 

This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
Product: Credit reporting or other personal consumer reports

Here is an overview of my issue : I have been a long-time customer, and I recently made a payment that brought my account balance to XXXX. However, after that payment, a {$2.00} interest charge was applied, which I was unaware of until XX/XX/year>. 
In XXXX, I paid the {$2.00} interest charge, but it was over 30 days past due. As a result, my credit score has dropped from a range of XXXX to XXXX due to this minor charge. 

I contacted Express/Comenity Bank a few weeks ago and was advised to reach out to all three credit bureaus. I did this, filing a dispute and including the zero-balance letter you provided me. However, the credit bureaus informed me that they can not remove the derogatory mark unless they receive a request from Comenity Bank/Express , either through a phone call or a written letter. 

Given the minimal amount of the charge, I am hopeful that you can contact the credit bureaus to resolve this matter and prevent any further damage to my credit. 

Thank you. 

XXXX XXXX
Product: Debt collection

Requested 3x 's to verify this debt belongs to me with no reply
Product: Credit card or prepaid card

I bought the card back in 2020 to pay for my plane ticket and days later the card was missing and just recently found it laying on the floor of my guest room I checked the balance and from {$500.00} it was on {$0.00}, I immediately called the number in the back and it was locked and said it will take 90 days but it's been too long and haven't heard any updates. It was a One vanilla visa prepaid card. It's very urgent I receive a solution as soon as possible.
Product: Checking or savings account

XXXX XXXX they want me to verify my identity. Since i tried to transfer money into the debit card to use on XXXX XXXX XXXX. Already had {$21.00} in the card. They want me to email them my paycheck stub, social security number and governed issue ID through email. I wanted to close my amount, since they were not helpful, and return the remaining funds back. They said they could not until I give them the documents in order to get my money back. Tried to talk to someone but argued with me because, I had them on speaker phone, since I'm hard of hearing, while they recorded the conversation. Then they hung up on me and froze my account right after the call. Could not log back into my account. Can't even get documents from the XXXX XXXX XXXX since they locked me out.
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.

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

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here are the accounts below that I have marked as inaccurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I applied for credit ( through a service provider financing program ) on XX/XX/2021. 

I called the company on XX/XX/2021 to report that I had not received any further information regarding my newly opened account ( ie : terms/ conditions, payment schedule, etc. ). 

They told me that the USPS had returned my info packet as " no such address ''. I reconfirmed that my address was correct and was told a new packet would be sent. 


On XX/XX/2021 I called the company again to report that I had still not received anything in the mail from them. I was told that I had a late fee for non-payment. I refused to accept being charge a late fee. I asked for my account number so I could send a payment anyway, and was told they could not give me my account number. 

On XX/XX/2021 I wrote the company a letter explaining the problemthat they will not send me information about a loan they approved, so that I can pay it and today is XX/XX/2021 and I still have heard or received NOTHING from this company.
Product: Debt collection

XXXX XXXX with Contract Resolve Group has contacted me several times via telephone and email after I requested that he only contact me via XXXX mail. He also called my elderly mother on her cell phone, disclosing the details of my debt and saying he would turn me into the XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm extremely frustrated with the student loan accounts that are being reported on my credit. These accounts were opened at a time when I wasn't attending school, yet the bureaus continue to ignore the inaccuracies I've pointed out. I've tried twice to get the bureaus to investigate the legitimacy of the accounts. The first investigation stated that the accounts were " verified and paid as agreed, '' despite me never making a payment towards them. The second investigation by Experian was opened on XX/XX/XXXX at XXXX PM, but the results were ready by XX/XX/XXXX at XXXX XXXX, which is completely unacceptable for a second dispute. I'm still waiting to hear back from XXXX and XXXX, but I'm not hopeful they'll do any better. It's outrageous that the bureaus have my actual student loans reported as paid off and closed, yet these other accounts are showing up as mine. These accounts have several inaccuracies, including the dates they were opened and the loan term, which was only for XXXX month. The creditor contact information is also different for each bureau. I attended no universities in XXXX, so I have no idea how these accounts were opened. I've included a copy of my second dispute to Experian, which is the same for each bureau. This needs to be resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given 18 months of grace. In XXXX of XXXX, I applied for a loan modification as one of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in 2-4 weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another 2 weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being 180 days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!
Product: Mortgage

Our mortgage company did not pay the taxes at the close of our refinance. This was part of the contract that we signed. We received a delinquent tax statement. When we called they paid it out of our current escrow. This caused our escrow to go into negative. We have tried to contact them multiple times and they still will not respond. They put me on hold hang up. We also had contacted them regarding getting rid of our PMI As we attempted a updated appraisal showing the house was valued at significantly more than what we had financed. They stated that we were exempt from that because we refinanced after 1990?
Product: Debt collection

I noticed on my credit report a trade line for portfolio recovery associates. It has a balance of {$5600.00} for a XXXX XXXX  account. On XX/XX/XXXX I sent a letter to portfolio requesting them to validate the debt. I asked for the date of the original delinquency and any other information including account statements so I may verify the debt. On XX/XX/XXXX I received a letter from portfolio all it stated was the charge off date along with I owed the amount shown above. It also said the account was from XXXX card. I do not believe I owe this debt. I have to XXXX card account showing as a closed trade line on my credit report.
Product: Debt collection

I have checked my credit report and I do not have any delinquent, unpaid or unsettled debts. USI Solutions ( of which I see has a slew of current complaints against them ) has been harassing me, my boss, my husband and my husbands parents with threatening phone calls and calls at night, morning and all day long. 

They have found our cell phones, house phones and addresses and I know that is illegal. 

Years ago I settled a few bills and I think they bought that old debt and are trying to collect. 

I do n't know what to do to stop them
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute to update my address and name online in Equifax.com after sending me a letter online in Equifax.com that it was deleted went I go back the wrong address and names are still showing
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!
Product: Credit reporting or other personal consumer reports

XXXXm sending this request to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
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 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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Back in mid XXXX of 2015 my listing went under contract. The buyer agent had sold me on the broker with Geneva Financial, a XXXX XXXX XXXX # XXXX, would be able to accomplish the deal. As the transaction proceeded, the bank who I represented agreed to do repairs to the roof for financing purposes. The finance broker agreed to pay for the buyer repairs. He the broker said he would build it into the loan. I verbally said, OK and he proceeded to have a firm enter and do work in the amount of {$3500.00}. Originally we were to close on XXXX/XXXX/15, and it was then extended to XXXX/XXXX/15 from broker request to finish up. Well it was still not meeting that close date as his people were not done or he had to anticipate other factors. I do remember the turning point was when his camp all of a sudden said they were ready to close and needed an addendum putting the XXXX vendor repair costs on the seller side to be approved. My asset manager said no way, that we had only approved for the roof. Well from that point on it got dragged out until I called the CEO of Geneva Financial and reported him. He made changes and we closed in one week. The bad behavior was his stalling tactics keep all parties with no direction for over three weeks. Well fell out of contract due to his in action. Also rude treatment of the buyer agent pitting her against the buyer who she had worked with for over 2 years. Also the escrow officer had to know the status and he 'd never return phone calls. Absolute rude, fowl language along with no follow up to anyone in the actual parties to successfully close. Buyers agent has XXXX or XXXX other deals with this guy so he 's treating her badly as he knows he can control the way the financing goes with them. I will never use nor recommend this broker to anyone and he should be investigated for the behavior alone. To end the buyer had over 30 days to wait because of his stalling tactics. I accused him early on that he was holding hostage the loan for his own benefit thinking someone would pay the {$3500.00} that he had some idea would go on the other side of Hud statement and no one would detect, what an XXXX. 
Completely unprofessional in that he 's not truthful, lies and abusive.
Product: Credit reporting, credit repair services, 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The XXXX at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund.