23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FCI Lender Servicing in violation of CA HBOR and RESPA X. On XX/XX/18 spoke with the CEO of FCI Lender Servicing who states he would not let me modify or short sale and just wanted to kick me out of his house so he could sell it himself at auction. FCI is operating as a foreclosure mill which are illegal in CA. Furthermore CA HBOR requires lenders and services such as FCI to help homeowners avoid foreclosure which FCI refuses to do. A deed in lieu is still a foreclosure. FCI by law must allow the ability to short sale my home. The end result is the same there should be no reason to not other than FCI is looking to charge it's investors unnecessary foreclosure fees. The operations of FCI needs to be investigated by the CFPB and other regulatory agencies to see how many other homeowners rights are being violated. RESPA requires FCI to  allow me to avoid foreclosure and provide an answer in 30 days. XXXX XXXX whom FCI as acquired the loan from has advised me that my request to avoid foreclosure has been delayed by FCI because they have no desire in helping me, they just want to act as foreclosure mill and foreclose on me.
Product: Credit reporting or other personal consumer reports

I asked XXXX to show me how it was verified 2 times and they have failed to do so. Ive asked for bill of sale, my original signature, if you could not provide then delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

as Experian was previously notified, I am a victim of identity theft. PLEASE stop telling me that i am not sending in my on complaint to the CFPB and to Experian. Please look at the information that i have sent. thank you
Product: Debt collection

See attatched USAA XXXX VISA/MSTR DEBT XXXX ** DEBT XXXX XX/XX/2013. ** Kindly note the phone number on documentation says to call FOR MORE INFORMATION XXXX This is USAA RECORDING ANYONE TRYING TO COLLECT THIS DEBT IS BREAKING THE LAW. This debt WAS CHARGED OFF & SOLD TO COLLECT BY USAA. XXXX USAA CHEATED ME AND THE COMPANY THIS DEBT ** NOT OWED ** WAS SOLD TO. This debt charged off mysteriously became A NEW MASTERCARD DEBT CHARGED OFF see attatched ending card XXXX. This debt mysteriously became a visa XXXX. ACCORDING TO MY RECORDS I DID NOT APPLY OR AUTHORIZE THESE CREDITCARDS. USAA REFUSES TO SEND VERIFYING WRITTEN PROOF I. APPLIED OR AUTHORIZED THESE CARDS.??? IF THE FIRST CARD XXXX WAS REALLY DELIQUENT?? HOW DID IT MYSTERIOUSLY PRODUCE 3 OTHER CREDITCARDS?? USAA HAS DESTROYED MY CREDIT WITHOUT PROVIDING WRITTEN VERIFICATION OF THESE ACCOUNTS.
Product: Debt collection

EVERYTIME I'M SEEING THESE FRAUDULENT ACCOUNTS, I FEEL SO STRESS, I WANT THESE TO BE TAKEN OF FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation.

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account.

Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question.

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process.

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future.

If this matter is not resolved satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. 

I am asking for your assistance to remove this fraudulent item in my credit file : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( 3 Bureaus ) Company Name : XXXX  - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit card or prepaid card

I thought my TransUnion report was frozen after I applied for a car loan but clearly not. Someone tried to apply for an XXXX credit card which was not me. I filed a police report in the past due to stolen identity. Called TransUnion, locked my report and asked them to remove inquiry. Not sure if she understood as she didnt speak good XXXX. 
Waiting for a new credit report but want inquiry removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act, The list of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX Child support Enforcement # XXXX. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

I lived in XXXX apartments in XXXX and they sent me to collections for a balance owed when I left. I settled the dispute within a few months and paid the sum of money we agreed on and I have the documentation proving so and that it is now a XXXX balance. Suddenly, new management pulled me up when I was inquiring, since I left on good terms with old management, to find a new place to live and decided I owe them all the money again and put it back in collections. they are trying to collect the money I paid and the part that was written off, which was mostly invalid, fraudulent charges and the other manager was fired over these acts, its in all the reviews. They are trying to come up with any story they can. They have no invoices and are just making stuff up, as they have nothing to refer to, no person to tell them, they are just creating a story and ignoring the invoice they have showing my {$700.00} payment and that the account was settled. They told me themselves that what I say is hearsay since the old manager is gone, well the same goes for them. They have just made up some XXXX story even though I was able to get the proof I needed. I have been treated horribly, it has caused other apts not to rent to me, I had to live in a motel for a month for over {$1100.00}, waste money on application fees, lose my place on a waiting list, and just the stress has been overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I was not able to obtain a mortgage loan because when the bank lender dug up my credit report at Equifax, they found that under my SSN and credit report I already had a mortgage loan, which was odd to me because I had never taken out any mortgage loans. I later found out that Equifax had mixed my accounts with my brother 's accounts, because that the mortgage loan was his. We have very similar names and very similar social security numbers, off by one consecutive number. 

I called Equifax on XX/XX/XXXX and wanted to dispute these accounts because of CLEAR ERROR. After being put on hold for an hour, the representative told me to mail a cover letter to include my name, address, email, phone #, reason for mailing, Driver 's License, W-2 in lieu of my social security card, and proof of my brother 's accounts that I wanted to dispute to the Equifax Dispute Department at XXXX XXXX XXXX, XXXX, Georgia, XXXX. 

I mailed my dispute to Equifax on XX/XX/XXXX to the address they provided me, and still haven't heard any response. As of XX/XX/XXXX, Equifax still hasn't taken any action on my case. 

On XX/XX/XXXX, I managed to obtain a complete copy of the credit report from Equifax under my SSN, and behold, my report had my brother 's name, birth date, and numerous accounts that were his, including the mortgage loan mentioned above. UNBELIEVABLE. 

I called Equifax on XX/XX/XXXX and was put on hold for 40 minutes, and another representative told me to mail the same things to the same address to dispute my credit report.
Product: Money transfer, virtual currency, or money service

Chime checking account " My paycheck settlement " feature took money from an ineligible visa money transfer twice. XX/XX/XXXX they took {$34.00}, and today XX/XX/XXXX they took again from my money transfer in the account of {$29.00}. 
Their statements and advertisements say that paycheck settlement payments are taken only from eligible paycheck direct deposits when you receive an eligible paycheck direct deposit. Chime failed to take the settlement or of my last qualifying direct deposit, and had now instead stolen money from two separate visa money transfers. This has resulted in my inability to keep important health appointments due to lack of gas since they stole my money transfers. 
I requested to dispute their settlements and was told I couldn't due to these transactions being protected from consumer dispute. 
So chime has protected their ability to steal money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX confirmed that four collection accounts held by them were sent for deletion from all CRAs. They originally sent the request in XX/XX/XXXX I filed a CFPB complaint against both companies on XX/XX/XXXX. XXXX XXXX XXXX provided a letter stating that all collections should be deleted on XX/XX/XXXX and responded to the complaint by saying they resent the deletion request to Equifax. I have attached the letter. Equifax gave no resolution, only a response that they are investigating. 

I checked my XXXX credit file to find one of the collections in question has a date reported of XX/XX/XXXX, affirming the false information that should be deleted. I have attached a picture. 

I dont understand what the issue is Equifax is having here. The original collections company agrees the accounts should be deleted.
Product: Credit reporting or other personal consumer reports

I report that the information was not accurate on my credit report has payment history and the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute inaccurate hard inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries fail to meet the accuracy standards outlined in the FCRA under 15 U.S.C . 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

Legal Violations : XXXX. 15 U.S.C. 1681e ( b ) : The inclusion of inaccurate hard inquiries violates the requirement for consumer reporting agencies to ensure maximum accuracy in reporting. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) : If a reinvestigation reveals that the information is inaccurate or incomplete, it must be corrected or deleted promptly, with the furnisher of the inaccurate information being notified of the changes. 
XXXX. 15 U.S.C. 1681s-2 : Data furnishers are prohibited from reporting information that is known to be inaccurate or unverifiable. 

I request that these inquiries be investigated, and if found to be inaccurate or unverified, they should be removed immediately. I appreciate your prompt attention to this matter. 

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

I never received my XXXX statement for my TD bank/target card. They reported a 30 day late payment on my credit report. When I found out about it, I paid the account in full and closed it. All this was even done before the payment would have been 30 days late.
Product: Debt collection

The first time this 3rd party debt collector contacted me was by text message, saying there was a XXXX XXXX against me and that they would enforce and send a quick track enforcement team to sieze my assets if I did not pay also they said they froze my assets i.e bank accounts and such, both claims were false, they never provided proof of said lien, because it doesn't exist, they continue to email and Harrass me. I have gotten nothing in the mail from this company only text message and email. Also this debt is for a business an XXXX that was administratively dissolved and is no longer operating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Debt collection

Rocky mountain fidelis collection keeps calling me at work after i told them to stop calling my work
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With Experian reporting inaccurate information caused my payment to drop 42 points. Which is drastically. Experian is the only credited reporting agency that have my credit reporting extremely low.
Product: Credit reporting, credit repair services, or other personal consumer reports

ln accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX 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 fumish a account without my written nstructions
Product: Credit card or prepaid card

Today date Comenity Bank closed an account I am using for lack of use. This cause my credit rating to plummet by XXXX points. I am being punished yet again by action not of my own making. This seems outrageous and unfair. The credit says they can do nothing unacceptable!
Product: Checking or savings account

The bank charges me 1 % of every incoming XXXX without my consent and I didnt sign any agreement regarding this fee. For the month of XXXX was {$35.00} and the month of XXXX {$63.00}. I would like to get my money back and further investigation regarding this particular bank business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the  Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the  consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked all 3 credit reports and have seen a new collection which was paid in full by XXXX XXXX XXXX which was my insurance provider at the time of visit. This bill is inaccurate and I wish that y'all would take the proper actions to resolve this matter and contact the 3 credit bureaus to fix the inaccuracy on the reports. This fraudulent debt is from XXXX this is XXXX. I don't understand if it was accurate why would they put this debt on my reports without notifying me. Fraud Please fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXX-Account number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy has reached a statute of limitations and should have been removed and delete it from my report. They responded with a latest time that they had verified the item through XXXX they could not confirm this. If they can not reveal how they truly verify this item then they need to delete and remove this account.If its not 100 % accurate then it must be removed and delete it from my credit report. If it is not 100 % accurate then it must be removed from my credit report.