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

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 : # XXXX, 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 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 has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources
Product: Debt collection

My name is XXXX XXXX. I am trying to get a recorded subordination agreement from the law office Kyle Law Group. This is a judgement lien against my husband, XXXX XXXX, that was filed XXXX/XXXX/XXXX. This was federal student loan judgment. I went through a HAMP re-modification with my mortgage lender XXXX XXXX XXXX XXXX. I successfully completed the terms of the HAMP agreement. I was told by a mortgage representative that in order to receive the final documents, and wipe the slate clean to get back on track with my mortgage I need to take care of the liens and/or judgments that belonged to my husband. I am the only one who is on the original mortgage loan agreement. I receive social security XXXX, my only income. My husband who was working at the time I started the HAMP re-modification process had to have his income included because we needed his income in order to qualify for the HAMP re-modification. We have been paying {$75.00} every month for the last 3 and a half years to the Kyle Law group towards the student loan judgment. This {$75.00} goes toward the interest and not the principal. Even though we are paying as agreed ( the funds are debited from our bank account on the XXXX of every month and we 've never missed a payment ). The law group says that they will not give my mortgage company a recorded subordination agreement. If they do n't do this for me then I will not get approved for permanent modification and could lose our home. This attorney is collecting this debt on behalf of the US Department of education. I wish that my husband 's income did not have to be calculated and therefore, I would not be in this dilemma. I am the original borrower on our mortgage. I do n't fully understand what my right 's are as a borrower. I originally fell behind in my mortgage payments after being diagnosed with XXXX XXXX ( XX/XX/XXXX ) and present. My employer laid me off, so the end result is where I am now. These liens have nothing to do with me. My husband recently submitted a lien complaint to your agency on XXXX XXXX, XXXX. My mortgage company said that this issue must be resolved by XX/XX/XXXX. I would really appreciate any help that you can give.
Product: Credit reporting or other personal consumer reports

I disagree with the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which still appears on my credit report, even after I have dispute the address both electronically and verbally over a phone call. I don't know this address, I don't live at this address, I don't recognize this address.
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} ;
Product: Credit card or prepaid card

On XX/XX/XXXX, a charge from XXXX in the amount of {$550.00} was made to my Chase Credit Card account. I did not make a purchase at XXXX with the card. I don't purchase from XXXX nor do I wear any XXXX products. I called Chase to report the fraud and they closed the account and issued me a new card and number. They also removed the charge from my account. Today I received a letter from Chase stating they had completed their investigation and that I am responsible for the charge because I received benefit from the transaction. I tried to call them at XXXX EST because the letter stated they were open until XXXX EST but they have changed their hours without changing the letter and were closed. They don't provide me any details as to what their investigation found or the benefit I received from the fraudulent transaction I did not execute. I would like to know what was purchased and where it was sent. I would like to know what their investigation found AND I do not want to be responsible for a charge which I did not execute.
Product: Credit reporting

ALSO CANT PUT IN A REINVESTIGATION ONLINE INTENTIONALLY BLOCKING ME FROM REINVESTIGATING ALL MY ACCOUNTS ON FILE
Product: Debt collection

I have no knowledge of this account I did not give this company consent to open this account or issue t a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  Credit Bureau is reporting inaccurate information on CB/NY & CO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA 19016 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX  XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Debt collection

I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial Credit Network reported a debt from XXXX XXXX XXXX. This was paid through escrow in 2017, when I sold the house that was being serviced by XXXX XXXX. Company said they NEVER received payment, so I paid them directly. I was advised that it would be reported and DELETED! I never saw the item removed from my credit profile. I am respectfully requesting to have this matter looked at, as this account was paid TWICE! I am being held back to get a FICO Score needed to purchase a home.
Product: Debt collection

This person has been calling for months claiming to be from the power company trying to save me money on bills. After  XXXX  the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.
Product: Debt collection

Comenity Bank special program no interest through Jared Jewelry Store in XXXX XXXX loan was for {$2600.00}. This loan was to be paid off by XX/XX/XXXX per XXXX billing statement. There were 12 payments made for XXXX XXXX  {$2600.00} 12th payment cleared on XX/XX/XXXX.. They show a balance due of {$180.00} which needed to be paid by XX/XX/XXXX. The XXXX billing statement was never generated. They have taken the interest free loan and added all the interest@ 29.99 % plus late fees. 
I have brought this to their attention on XX/XX/XXXX XXXX and XX/XX/XXXX. They answered me on XX/XX/XXXX, acknowledged my claim and requested 90 days to investigate. There was no answer in the 90-day investigation period. On XX/XX/XXXX I received another letter acknowledging my claim and acting for 90 day investigation period. On XX/XX/XXXX, I received another letter that determined my claim research did not find any error. My current balance is {$170.00}. This would be all interest@ 29.99 % and late fees. 
I believed they are very deceptive and have unethical banking practices. the XXXX XXXX  investigation should had been completed in XXXX, but they just kept adding interest and late fees until XX/XX/XXXX. 
I would be grateful for any help you can give me in this matter. My main concern is my correct score ( XXXX ) and I believe they have been paid in full. I should have a small credit. Thank you, XXXX XXXX XXXX
Product: Mortgage

Hello, I have a mortgage with LoanDepot - NMLS # XXXX and for four and a half months they have been promising to pay my XXXX County, South Carolina property taxes but it keeps being delayed. When I ask for email confirmation from the multiple customer services rep 's they claim that they are not allowed to send email confirmations but assure me that they tax payment is being processed and will be paid the on or before the due date ( for four and a half months straight this was their answer ). My county is now sending letters threatening to post non payment of taxes signs starting XX/XX/2019 and that my property will go into public auction XX/XX/2019. The mortgage company is not giving me an assurance that the payment will be delivered by XX/XX/XXXX and this has forced me to pay the property taxes out of pocket. 

I originally called in XX/XX/XXXX and the company confirmed that my property tax bill was received and will be paid on or before the due date. I received my first letter from the country in XX/XX/XXXX claiming the taxes were never paid, at this point I called my mortgage company and they said the bill was never received and to send it to XXXX and it will be paid quickly. I sent the tax bill to the email referenced above on XX/XX/2019 and received confirmation that the bill was received on XX/XX/2019. On XX/XX/2019 I received a certified letter from my county claiming the taxes were still not paid. At this point I called my mortgage company several times and talked to XXXX, XXXX, XXXX, and XXXX who are all customer service reps of Loan Depot. They assured me the bill was received and will be paid by XX/XX/2019 at XXXX PST. I called back at XXXX PST and was told that there was never a note on my account to have this paid by XXXX. At this point I asked for a supervisor and was directed to XXXX who holds the title of customer care supervisor. He refused to give me his employee ID and refused to give me the contact information of his supervisor. He again assured me the property tax bill would be paid by XX/XX/XXXX to which I explained this is unacceptable because the county will be taking action on XX/XX/XXXX. I believe this company is either doing some fraudulent or is too incompetent to complete the job required of a standard mortgage company. The fact that the supervisor refused to give me his employee ID or send an email confirming that the bill will be paid on date he claims shows that there is something not right going on. I have exhausted all options and will be talking with a lawyer to see what my options are going forward. 

Thank you
Product: Debt collection

Last year I discovered several medical collections on my reports that I did not recognize. I contacted the XXXX XXXX of Georgia  hospital and after an investigation they concluded that they did not belong to me. A collection agency called XXXX XXXX was reporting the debts. The debts were removed in XX/XX/XXXX of last year. I have now discovered that another collection agency is reporting the same debt that I had removed. The collection agency is Phoenix Financial. I have never heard of this agency and they have never given me an opportunity to dispute the validity of these debts. If they had done so according to the FDCRA then they would have known that the debts did not belong to me and were removed from my reports. I was advised to dispute with the credit bureaus and file a complaint with this agency. This collection agency is using illegal tactics to get consumers to pay collections that they clearly DONT own and that they know they can not validate.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and on XX/XX/2023, I sent a certified letter to Experian in reference to the inaccurate bankruptcy information reported on my consumer report ( see Attachment A-1 & B-1 ). I requested Experian to provide me with who and how they were able to verify this information. Experian only responded via email with dispute results stating that the company reporting the information has certified the information is accurate. The problem with this statement is, bankruptcy courts do not report to the credit bureau as per their official website ( see attachment C ). Anything Experian is reporting is hearsay because they also failed to contact me to verify any information. I would like to know where Experian obtained this information if the bankruptcy court does not report to the credit bureau. Experian, as a consumer reporting agency have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Student loan

Throughout Covid, I received communications from the department of education and Nelnet referencing my loan, which was consistently referred to as one on an Income based repayment plan. However, when I asked why the govt forbearance months werent counted towards forgiveness ( I had XXXX remaining payments at the start of COVID ), I was told I was on standard repayment. My monthly payment was {$880.00}. The Nelnet app, website and email comms from Dept of Edu and Nelnet all cited by REPAYE/IDR plan throughout this period. I spoke to a counselor from Nelnet in XXXX upon realizing this mistake, and they said the payments would be counted, and I should recertify on a SAVE plan to have that retroactively applied. I recertified, the months were not applied, and my payment nearly tripled. Now I owe XXXX payments at {$2300.00} a month rather than XXXX payments at {$880.00}. I was told by Nelnet/govt representatives that SAVE was the best option, and now owe nearly double. Had they been forthright to begin with, Id have stayed on the existing plan in the worst case scenario. And now Ive submitted another case, reached out multiple times about a resolution, and not received even an acknowledgement since XX/XX/XXXX, the last time I tried to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and faxed XXXX, XXXX, and TransUnion about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion Credit Bureau to validate this account ( A ). I hope this disputed account is updated.

I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... 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 UPDATE 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 account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

Company has failed to provide specifics on whom validated this which has to be provided to me under attached is a letter I have sent that has yet to be answered
Product: Debt collection

I received a letter in the mail from Transworld Systems Inc. in regards to an alleged obligation. I am sending notice delivered in accordance with the Fair Debt Collection Practices Act. 15 USC 1692g, noting that reference/account # : XXXX claim is contested and validation is required.
Product: Checking or savings account

Robinhood spending account blocked me from spending my money for over 2 months, I've been trying to reach there customer service number for the last 2 months. I tried to request call back from their app & website an unable to do so. They have a customer service phone number that does not work and it's all automated and no way to reach a real rep to process my case. 1 time I was able to reach a representative and submitted ID and they said they would call back- but that was a month ago!!!!
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX  XXXX. Account # XXXX Account name : XXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX 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 602 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 or 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, credit repair services, or other personal consumer reports

I have a home equity loan with XXXX with servicing done by XXXX XXXX. They are incorrrectly reporting to the credit bureaus that I have an open {$100000.00} credit line. In fact, the credit line is closed and no longer available. This is having a severly negative impact on my credit score as it shows outstanding revolving credit debt when this is not the case. 
I contacted the company numerous times by phone and their website. In XX/XX/2020 I sent a letter to their general counsel at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX account number XXXX Her assistant in the executive resolution department contacted me numerous times in an attempt to resolve the situation. She fully understood the issue and the impact on my credit score. But despite numerous attempts, she was unable to resolve or determine why this information was being incorrectly reported. She advised that the best they could do was to provide a commentary which is now in my credit reports, but the false information continues to be reported. Credit score calculations ignore commentary and only look at the raw data so this did not solve the issue. 
It is my position that just because a mortgage servicer can not resolve a false reporting issue with their own systems, it is not appropriate to continue reporting false information. 
My contact information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX