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

I have a loan with XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}.
Product: Student loan

I have been on a income-driven payment plan for at least 2 years. My plan came up for renewal in XX/XX/XXXX ( current plan expired XX/XX/XXXX ), I promptly renewed, received a letter telling me they got my renewal application and then a few days later ( XX/XX/XXXX ) got another letter telling me my renewal was accepted and there was nothing else I need to do. Then today ( XX/XX/XXXX ) I received a letter telling me I failed to renew my income-drive repayment plan and my payment was doubling. So far no response from Navient on why they doubled my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all XXXX credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.
Product: Mortgage

I have initiated a legal complaint with my former lenders ( XXXX Mortgage XXXX and PennyMac Loan Services , LLC ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so, plus every time I said I was going to, PennyMac would suddenly seem more amiable. I was giving them the benefit of the doubt on those occasions. 

The essence of my complaint include a minimum of : - 14 violations of T.C.A. XXXX ( a ) - 3 violations of T.C.A. XXXX ( b ) ( 12 ) - 3 violations of T.C.A. XXXX ( b ) ( 13 ) - 4 violations of T.C.A. XXXX ( c ) ( 1 ) - 3 instances of actual or constructive fraud - an additional instance of actual fraud - fraudulent concealment - 3 breaches of contract ( T.C.A. XXXX ) - just found the 3rd one last week - 17 months of conduct that culminated in I.I.E.D. See Doc. No. 1-2 I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a 5-page summation under the section labeled " BACKGROUND. '' It looks like your system will allow me to attach all exhibits associated with the background section of the Motion to Remand. If for some reason you don't receive them all or need the other exhibits, please feel free to reach out to me for them. I can email them to you. 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In truth it already seems XXXX to me, this negative account and that you who impose the rules here still do not have or are looking for a way to admonish this situation. This is a debt ALREADY PAID YEARS AGO AND XXXX AND THE COLLECTION Business, have not responded or do what they please with the client, I ask to be REMOVED IMMEDIATELY this account of ALL my credit bureaus. This is harassing and XXXX  when a debt has been paid in full so long ago, I hope this case is resolved immediately!
Product: Debt collection

I just received a summons that Im being sued by Velocity Investments , llc. This is the first correspondence Ive received from this company regarding this matter.

After reading through the summons they are suing me over a loan from a bank Ive never taken a loan out from.
Product: Debt collection

i notice some alleged debts from ic systems on my credit report that i dont owe nor has any dealing with.I am asking for assistance in deleting these inaccurate accounts from my credit report or send me the validity of the alleged debts that i requested. see attached..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that 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: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I bought {$100.00} worth of bitcoin on cashapp. I want to make a withdrawal. They need ID which is fine. I scanned my DL and they said it needs to be a US ID. Oregon is in the US. They did, within the last year, change the design of our DL. I contacted their support ( which is only by email ) they gave me an IRL to upload pictures of my ID and a selfie of me holding it. I did this. Several days later I contacted them to see if they have received it. The email sent me through the same process. I dont think real people are answering the emails. So I tried a couple more times and got the same canned reply. On XX/XX/XXXX I received an email they are closing my complaint because they hadnt heard from me. Now they wont respond at all. I called the bank which they work with. They said they dont deal with cashapp issues. Now I am contacting you
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years ago in XX/XX/XXXX i disputed bmw and the bankruptcy as fraud and i sent over a police report confirming the id theft, as of XX/XX/XXXXthey re included the bmw fraud account and the bankrpucty wasnt on there as proof i sent over the credit report they re added in XX/XX/XXXX they 're defrauding me and they re added bwm and there violating my rights under the fcra. they keep readding the accounts after they been confirmed as fraud and deleted which is a violation of the FCRA i spoke to XXXX he refused to give me his name and his id number said to go to hell and go back to where i came from hes also refusing to call XXXX  police to verify the the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and 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. States a consumer reporting agency can not furnish a account without my my written instructions.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

This company has never provided me with a signed contract proving that this debt is mine. Their information needs to be removed from my credit report immediately. My identity was stolen so nothing but a signed contract will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute a specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this remaining erroneous account immediately. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, in XXXX Oklahoma, has reported our mortgage payment to have been late over 30 days twice. This is not the case. I would like a statement specifying exactly which month XXXX XXXX is claiming we were late on a payment, as this was set up as an auto draw. A falling out occurred between XXXX XXXX ( spouse ) and XXXX XXXX, President or vice president of XXXX XXXX, Regarding the new financing of a new home in XXXX of this year, 2017. XXXX XXXX did send a text to XXXX XXXX advising him it was not wise to use another bank However ; using another bank does not justify the false reporting of late payments. I have tried to call several times and have not received an answer from XXXX XXXX. Please advise why late payments are showing as derogatory credit on my credit report when zero payments have been late or 30 days late. Thank you XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Cash app shut my cash app down due to fraud never use my account in bad way someone got my information and when I ask for investigation they just sent me circles and when they did respond they stood on there decision never did anything wrong or violated there polices
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Checking or savings account

I received an email notifying me that my bill payment options were being deactivated. When I called Bank of America to see what the problem was, they indicated that they were closing my account and all of my other checking and savings accounts. I asked why and they told me they reserve the right to close my accounts without notice. This has severely interrupted my life as I have used these accounts for over 15 years.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I've been disputing fraud accounts on my credit report since XX/XX/ 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Checking or savings account

On XX/XX/year> a debit of {$480.00} was discovered on my checking account. I didn't recognize the transaction and neither did my wife who is a joint owner. I called Bank of America to report the issue and begin an investigation. The bank placed a freeze on the account and requested that we change the username and password. After investigating the transaction, Bank of America determined on XX/XX/year> that the transaction was valid and therefore declined fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to mitigate this credit reporting problem with both Experian and XXXX  in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living XXXX!
Product: Mortgage

Good morning, My complaint is against Select Portfolio Servicing , Inc . 
Since XX/XX/XXXX I've had homeowners on my residence, my homeowners insurance expires XX/XX/XXXX of XXXX. Prior to XX/XX/XXXX I had forced insurance on my residence via SPS. Once I secured my insurance for the year SPS should have stop the forced insurance. They did not instead they placed hazard insurance on me/mortgage of {$2500.00} per year which comes out to {$200.00} per month. How many different insurances do I need for a townhome? The HOA has what's known as a master insurance on all units? so why am I paying for Insurance I don't need or require? All this was explained to SPS yet they still chose to ignore my complaint. My insurance provider sent SPS a copy of my insurance and they acknowledgement receiving it but still continue to charge me for hazard insurance. From the month of XXXX until current XXXX SPS owes me {$200.00} x 6 months = {$1.00}, XXXX I would like my money refunded and not have to continue to pay hazard ins. there is also the matter of when my mortgage was modified my attorney advised then then mortgage company to take the PMI off my mortgage. SPS fail to do so. So from the time they were advised to take off the PMI I would like that money back as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax Information Services Dear CFPB and FTC, I am writing to formally file a complaint against Equifax Information Services for multiple violations of the Fair Credit Reporting Act and for infringing upon my privacy rights. My specific concern involves inaccurate information that Equifax has furnished regarding my account with XXXXXXXX XXXX XXXX XXXX, which ends in XXXX. 

Despite disputing this inaccurate account for over XXXX years, Equifax continues to assert that this account is verified, which is untrue. I have confirmed with XXXX XXXX XXXX  that my information has been opted out of sharing with non-affiliated third-party companies. This means that Equifax should not have any basis to verify this account as accurate. For your reference, you may contact XXXX XXXX XXXX at XXXX to confirm this information. 

In addition, I am including a transcript of my conversation with XXXX XXXX XXXX  regarding this matter, as well as all correspondence from Equifax that demonstrates their stall tactics and claims of being unable to locate my credit file. 

The violations I am reporting include, but are not limited to : 1. Furnishing inaccurate information.

2. Failing to conduct a reasonable investigation into my disputes. 
XXXX. Infringing on my privacy rights under the Fair Credit Reporting Act. 

Given the severity of these violations, I request that this inaccurate account be removed from my credit report immediately. Thank you for your attention to this matter, and I look forward to your prompt action.