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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX ALLY FINANCIAL located at XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX reported an unauthorized and unrecognized inquiry to my consumer report, I did not give them permission to do so, I have filed a fraud report with the FTC for this fraudulent inquiry this must immediately be removed from my consumer report per FCRA law to be within compliance.
Product: Debt collection

I received noticed for court as well as non negotiable totals when there was a settlement previously made for way less. During Covid I could not afford it but once I was then able to and willing to start making payments they decided to sell it off to someone else who now refuses to take anything less when the previous amount was about {$1500.00} less than what they are willing to take. I have requested numerous times to negotiate they refuse to, I have also sent a 609 letter because the original debt is not only from a different creditor but also very old. It was not proven it was owed to this new creditor which is why it was then removed from my report but now it shows up again and shows the original creditor and their collection agency but does not show the new attorney agency on their or their refusal to work with me. Again this is ridiculous and a rip off as I tried and tried during Covid but refused to work with me at all and now have made it worse. Started as XXXX XXXX, then XXXX XXXX, now Andreu Palma Lavin & Solis PLLC.
Product: Student loan

I am currently enrolled in school and working on building my credit. My loan is now deferred, but I have several missed payments being reported on my credit report that is dropping my score. How can I have these remarks removed now that my accounts are current and may have been reported incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I will like to file a complain about XXXX XXXX and Equifax, I requested an unrecognized inquires on my credit report and they refused to remove it for the past 3 months. 

This is really hurting me and my family and its affecting me from getting credits from other creditors due to too many inquiry in short term. 

i have sent three letters back to back telling them to please remove the inquiries and provide me an evidence of permissible purpose, but none of them have taking any actions. 
They kept telling me its verified. 

This is violating my right as a consumer and putting me emotional distress and i will like them removed immediate. 

Here are the list of inquiries under each buraus XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX / XXXX - XXXX XXXX, XXXX Equifax XXXX/XXXX   - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Kindly help please
Product: Mortgage

I have, for years now, tried to obtain a modification for this loan. In the very first year of my attempts, I thought I was close, but recurring administrative errors on the part of XXXX nixed my efforts, always at the eleventh hour. 
There followed a series of wrongful foreclosures, six in all, over the next five years. The bank constantly and despite my effortstried to take over the empty lot adjacent to this house, a lot that belongs to me free and clear. I had to hire an attorney, rent the house cheap depredations ensuedspend hours each day, week, month, and year reinitiating the modification process, hoping for closure. 
XXXX then sold the loan to Mr. Cooper who, having done none of these missteps and errors, could not be held accountable. 
All I have left now, after these exhausting years of struggle to keep this property, is a short sale. I found a buyer a year ago, a non-profit company called XXXX, who negotiated the price to their offer of {$230000.00}. Mr. Coopers investors did not want to budge from {$250000.00}. Neither party would change their offer even though they were a mere {$27000.00} apart. 
I have now found a new buyer and am presenting her offer and her loan authorization. There is little time to reinitiate the short sale since the Trustee Sale is scheduled for XX/XX/XXXX, this coming Wednesday. This new buyer is offering exactly what Mr. Cooper requested, {$250000.00} and is approved for that amount plus closing costs. 
Through this short sale, Mr. Cooper will get the funds it wants. 
The buyer will get a house she really likes. 
I will not, at age XXXX, have my credit ruined again by this upcoming foreclosure. 

I am respectfully asking that Mr. Cooper stop the trustee sale of XX/XX/XXXX, and allow the realtor XXXX XXXX of XXXX XXXX to reinitiate the short sale and communicate with you. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency to investigate the items below on my credit report in XX/XX/2022 and they failed to do so according to 15usc1681 ( a ) : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They did not conduct an investigation into the disputed items below and this is causing me financial hardship and impairing my living. They are violating my federal rights. I will pursue legal recourse if these inaccurate items are not removed. My attorney is drafting a formal complaint for the FTC and attorney general. 

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

On XX/XX/2016, this debt for {$410.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Debt collection

ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX-XXXX  because there was an alleged debt being reported on my consumer reports. I sent the company a cease and desist and also a debt validation letter the company responded saying they have requested the documents from the original creditor. I received mail from the company a couple of days ago they sent me a membership agreement between me and blink fitness, Under the FDCPA this does not meet the requirements of validating a debt so I demand that this unvalidated debt be removed from my consumer reports immediately. Also pursuant to 15 USC 1692G as the original creditor only I can validate a debt and I do not validate this debt. I also found a couple of violations in the letter they sent me attached with the rental agreement which is a {$1000.00} per violation the alleged debt is for a {$130.00} it will cost you way more to keep trying to collect on this alleged debt than to remove it from my consumer reports and XXXX out the balance because I am a federally protected consumer and I know my rights and power I am prepared to go the distance if this issue is not resolved immediately. My next action if I dont get my desired outcome is to send an invoice for all the violations I found and also sue you in court for it and also for defamation of character my credit report is a reflection of my reputation and you are damaging it the ball is in your court now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a derogatory mark on my report which has been inaccurate. When I went on XXXX XXXX for seven months it has not been resolved and the information was proven to be in accurate on Transunion. So today on XXXX my credit report dropped 28 points and all my credit card on Transunion showed 6-7 months late. I have 91 total missed payments between 13 credit cards. I have never been late on any of them. I also paid on time and most times paid 3-4 payments each month so the balance was paid in full. I contacted all my credit card companies some said they would file for me some said talk to Transunion. And Transunion never seems to resolve anything.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate information reported by XXXX and Equifax concerning XXXX of my accounts, specifically the 'Date of Last Activity, ' 'Date Opened, ' and 'Date Last Reported, ' which are incorrect and do not reflect the actual history of this account. The 'Date of Last Activity ' is wrongly recorded, misrepresenting the timeline of my account, the 'Date Opened ' does not align with the original opening of the account, and the 'Date Last Reported " is not consistent with the most recent updates. These inaccuracies have caused significant misrepresentation of my credit profile, potentially affecting my creditworthiness. Given that these errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy and completeness of the information reported, I am requesting an immediate investigation, correction of these date fields, and complete removal of this account from my credit report, as it does not accurately reflect my credit history.
Product: Checking or savings account

I used to have a bank account directly with the bank of America on  XXXX  CT, They put me under a suspicions fraud call ed black check list after I deposit a check from my husband that used to have an account with them also and it was n't the 1st time  I deposited a check of him in my account but this time they decide to cancel my account and put it under suspected fraud activity that has cost me lots of problems that I cant even open a bank account no more and currently I 'm trying to buy me a house and that has come across even after I notarized a letter with my husband present and took it to the bank of America where I had my account when all this deal happened saying that he gave me permission to cash that check in my account regardless off they still put me thru that list and sending back my husband check for the yearly taxes return, than I get a letter from   XXXX   XXXX   explaining to me that I was put under this black list for 10 years because of that even though I show them proof that my account was n't been used for fraud, last time in     XX/XX/XXXX   I sent a letter to bank of America to review my case and delete me off that list later on they reach me back saying that it Was n't possible for them to take me off the list never mention any reason of why I 'm on that list.
Product: Credit card

After resolution of fraud with 'citibank XXXX card in XXXX, further fraud charges were made in XXXX Apparently XXXX, XXXX and XXXX Of XXXX. I received an e-mail XX/XX/XXXX of XXXX notifying me of this matter, I am remitting this further fraud and have closed 'best buy ' citibank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to prevent further fraud.
Product: Debt collection

About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently reviewed my credit report and saw a collection named : NATIONAL CREDIT ADJUSTERS, on it, trying to collect an alleged debt with an alleged creditor XXXX XXXX XXXX XXXX XXXX XXXX I think ) because they were the alleged creditor before with an alleged balance of {$480.00}. I do not even know where this account is coming from, I am definitely sure that this account does not belong to me, just about two months ago, there was a different collection company named XXXX XXXX XXXX, trying to collect on the same account. I am attaching as Exhibith A the previous dispute with XXXX XXXX XXXX with a copy of Police report that I filed on XX/XX/2018, regarding an issue with identity theft.
Product: Checking or savings account

On XX/XX/2019, I XXXX XXXX went into wells Fargo bank, locate XXXX XXXX XXXX XXXX XXXX Fl. XXXX. Where the assist manager XXXX discriminate again me by not let me take money out of my account and help white client instead of me. I have present my driver license and debit card to Ms. XXXX and she told me she got other thing to do and left the branch.
Product: Checking or savings account

Upon checking my consumer report, I came across some/ most credit inquires that I did not recognize also unauthorized and unverified items must be removed Fifth Third Bank {$170.00}, XXXX XXXX XXXX {$190.00} and XXXX XXXX {$220.00}.
Product: Mortgage

Our loan was acquired by LoanCare on XXXX/XXXX/16 and transferred to them on XXXX/XXXX/16. Our complaints related to this company are as follows : 1. We did not receive a welcome letter because they used an incorrect address. 2. Since the transfer, we have requested cancelation of the escrow account in writing. Other than an acknowledgement of the request, we have not received a response. We have over 20 % equity in the subject property. 3. We have requested in writing a full accounting of the escrow fund and an out of standard analysis, but have not received a response. Our prior mortgage company 's escrow accounting shows an $ XXXX refund to the escrow account for improperly procured lender-placed insurance, but LoanCare shows no record of that refund and says it is " lost in wirespace. '' 4. Despite providing proof of coverage in writing and having multiple conversations with various representatives and supervisors about our existing coverage, LoanCare continues to threaten that they will procure lender-placed insurance and continues to request that we provide proof of coverage, in an apparent error that is unable to be corrected. Also, the automated line is still advising that payments for hazard insurance are being made from the escrow account, so they must in fact have proof of coverage. 5. We are receiving conflicting information on flood insurance. On XXXX XXXX, XXXX representative names XXXX told us that part of our escrow payments consists of {$170.00} in flood gap insurance. We are not required to carry flood insurance based on our flood zone. On the same day, a different representative in the insurance group named XXXX said the entry is a " XXXX XXXX XXXX '' and is a " dummy '' entry and that we are not paying for flood gap insurance. She could not explain why the other representative had such specific information about the payment being made out of escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Account : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/2014. See attached court decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Product: Checking or savings account

I emailed XXXX XXXX  to tell them I'd been double charged for the same transaction ( identical debits ... XXXX ). They responded saying they refunded my purchase, and the debit to my account is nowhere to be found on my checking debit history. Bank of America is permitted to manually alter the balance of my account without reflecting my list of transactions?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 to be removed/updated.

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, u
nless 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.

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO ; NELNET LOAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU XXXX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH NELNET LOAN SERVICES AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my complaint today in order you to inform about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score. Be sure to present facts that this are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. These fraudulent items I am mentioning should be remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; 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