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

in accordance with the Fair Credit Reporting Act 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. 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

I was aware that I was a victim of ID Theft in XXXX of XXXX while I was out of the country on a government assignment. I disputed the accounts and have not received an answer with Equifax, XXXX, or XXXX. the following accounts are due to fraud. Please remove. 

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

i have filed numerous disputes and complaints with Innovis on  XXXX  fraud accounts that are reporting on my credit report that need to be deleted from my credit file as fraud for accounts  XXXX  #  XXXX  {$1600.00}  XXXX  #  XXXX  {$1100.00}   XXXX   #  XXXX  {$900.00} and  XXXX  #  XXXX  {$570.00}
Product: Mortgage

During the month of XX/XX/2015 I made a lump sum of 80,000 to pay off my mortgage. I then contacted my mortgage company about lowering my payments because the amount I owed was less than what I owed on my car. The mortgage company XXXX Midland Mortgage ) suggested that I modify my loan to lower my payments. They said my payments would go down from 1200 to 600 if I participated in a modification program. I was then told to not make a payment and that the company would be sending me new loan papers. I then received a late notice in the mail after I did as I was instructed and I called the company to notify them that I was confused on why I was getting a late notification when I was told not to pay my loan by their representative. They then told me to ignore it and that once I complete the modification the loan would show current. I did as I was told but at no time was I notified that this was being reported to my credit bureaus as late payments as it was my understanding that the loan was being modified internally. I was a customer that did not have problems paying my loan as I had just paid 80,000 to my loan. If I follow the plan that they want me to stay on, for a balance of around 24,000 dollars I would end up paying them XXXX for the life of the loan. The company wanted me to appear as if I was struggling to pay my loan to get federal approval for the modification when that was not the case.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/year> I into My School Bucks ( www.myschoolbucks.com ) to put money into my kids ' school lunch accounts. I have used this service for years. This year the maximum deposit amount each time is now lowered to {$150.00} and their lunch program fee increased to {$3.00} for each deposit. Since a parent can only pay {$150.00} per kid, this company forcing parents to pay more times and pay the service fee each time. There should not be a cap on the amount I can deposit into my kids ' school lunch account. 

When I inquired about why they did this, they said our school district sets the limit at {$150.00} each deposit. They would not waive the fee or remove the cap online. 
I called the school, and they said that was not true and that their contract with My school bucks does not require a deposit limit but does state there is a service fee per use. I wrote a paper check and took it to the school to cover most of the lunch money for the upcoming year. 

As a mom of XXXX XXXX who purchase double meals each day, since the portions are so small, and sometimes have to grab breakfast due to morning activities, I am not paying a service fee each of {$3.00} to put money into my own account. Other than profit on service fees, I don't understand why there is a cap on the deposit amount? I should be able to put in {$1000.00} at the start of the school year. I am going back to writing one check to cover the whole year if it's going to cost me $ XXXX a year in program fees. Thats a lot of lunches my kids could have had, or I could donate that money to another kid that may need it.
Product: Credit reporting or other personal consumer reports

I am listing 1 account Fraudulent from my Experian, Equifax and Transunion Credit Reports. XXXXXXXX XXXX  XX/XX/2024. I am also listing 1 inquiry Fraudulent form my Transunion and Equifax Credit Reports. XXXX XXXX XX/XX//2024. Listed account and inquiry does not belong to me and must be removed from my Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft Report for deletion. I am requesting Experian, Equifax and Transunion to mark this account and inquiry as Fraudulent and remove from my all of my 3 Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XXXX, XXXX, and Equifax on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.
Product: Debt collection

I got a loan from XXXX. this loan was sold to green tree. Green tree then foreclosed on the loan and took possession of the property and sold it. they then sold the loan to Ditech. Ditech sent me a XXXX form to pay taxes on a loan that was foreclosed and stayed on my credit report for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Product: Checking or savings account

I cant remember the date but can go into account to prove I disputed the transaction also a new card was sent out to me but my funds was never recovered and was giving to a merchant I didnt use or approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each of the credit bureaus to discuss an account that had been paid related to a collections that was showing on my credit reports for XXXX XXXXXX/XX/XXXX Not only did I provide proof that the collection account had been paid in XX/XX/2020, and was considered closed, but the collection company was somehow allowed to publish inaccurate information on my credit reports for the month of XXXX, stating that the account was seriously past due? Rather than update my account to reflect a paid status, the collections agency instead updated my credit reports with a consumer disputes account status instead, even after countless emails and phone calls to get the company to properly update my reports. If it is this easy for collections agencies to place inaccurate debt on your credit reports, then how does any of the requirements set forth in the FCRA actually protect consumers? How is this collection agency allowed to report a PAID account as being past due, AFTER it has been paid, and there is undeniable proof that the debt was paid? This is beyond unacceptable and I demand that my credit reports be updated to an accurate status and removal of this account.
Product: Credit reporting or other personal consumer reports

I have requested, more than once, that all three major Consumer Reporting companies delete all old mailing address from my consumer report. Neither XXXX, Experian, or XXXX have complied and shall do so according to Section 605 ( h ) ( 1 ) of the Fair Credit Reporting Act.
Product: Debt collection

I recently filed a complaint, XXXX-XXXX  about DIVERSIFIED CONSULTANTS, INC for posting a fraudulent collection on my XXXX  credit report. Prior to this complaint I posted a complaint, XXXX-XXXX about XXXX XXXX XXXX, XXXX. for the exact same fraudulent collection posted on my XXXX   credit report. 
Both companies posted that the debt was due to XXXX XXXX XXXX. As I stated in my prior complaints, I have contacted XXXX XXXX XXXX numerous times in regard to these fraudulent collections and XXXX XXXX XXXX has not sent my account to collections. I am in stellar standing with XXXX XXXX XXXX. 
When I contacted XXXX XXXX XXXX in regard to what XXXX XXXX XXXX told me the operator said that the collection was actually paid and that they no longer had a collection account for me. That was bizarre to say the least. 
A few weeks later the EXACT SAME collection was posted by Diversified Consultants , inc . 
1. How can Diversified Consultants, Inc. post a collection that XXXX XXXX XXXX said was PAID? 
2. How can Diversified Consultants, Inc. post a collection that no longer exists?

3. How can Diversified Consultants, Inc. post a fraudulent collection on my credit report, the same fraudulent collection that XXXX XXXX XXXX already had posted? 
I immediately called XXXX  and filed the above complaint against Diversified Consultants , Inc.. 

XX/XX/2016 I received a form from Diversified Consultants, an Identity Theft Victim 's Complaint and Affidavit. This form is to be filled out by the person it is addressed to, which the first name and last name are incorrect and now, because I filed a complaint, this scam of a company has my mailing address. The form requests that I contact XXXX XXXX XXXX, Yes I have done this a dozen times in the last four weeks and XXXX XXXX XXXX has NEVER sent me to collections. 
I have to send back this form with more of my personal information, like drives license, valid photo ID and so on. Why on earth would I send any further personal information to this company? This is such blatant fraud it is outrageous. 

I will not be filling out this form. I will consistently file complaints with the CFPB, XXXX XXXX XXXX and XXXX regarding both XXXX XXXX XXXX and Diversified Consultants, Inc. for fraudulent activities on my credit report. 
I do not want this company sending me any further mail or contacting me in anyway. 
Both of these companies are scammers and I have no idea how they are able to operate.
Product: Credit reporting or other personal consumer reports

15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard Inquiries from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The payment status on my credit report inaccurately reflects consecutive 30-day late payments for the same account across all three credit bureaus : XXXX ( XXXX, XXXX, and XX/XX/2018 ), XXXX ( XXXX, XXXX, and XX/XX/2018 ), and Equifax ( XXXX, XXXX, and XX/XX/2018 ). This information is incorrect, as the payment status for this account was current and paid on time during these months. I request that all inaccurately reported late payments be deleted and the status be updated to " Paid on Time. ''
Product: Credit reporting or other personal consumer reports

I realized last spring to early summer that my credit report has multiple accounts I did not open. I know this because I had a bankruptcy discharged in XXXX. At that time I did not want to apply for any credit whatsoever. I married in XXXX  and had a trial use if credit monitoring which alerted me my social security number has been found on dark web. Also, I was granted settlement from XXXX breach recently. XXXX or XXXX, one of those. I also have been notified I will receive compensation from XXXX breach. My purse has been stolen with my ID and ss card in XXXX and XXXX  both were reported to local law enforcement. I have disputed numerous entries on my credit reports with all 3 bureaus multiple times this year online, vis uses mail, as well as phone calls. Still, there are multiple things on my report I did not authorize.
Product: Debt collection

After placing my home up for sale, I was notified that my property has a default judgment lien that was filed in XXXX by the XXXX XXXX XXXX a law firm/debt collector. The default judgment was obtained by fraud upon the court by filing a defective proof of service. 
Based on information obtained from an associate of XXXX XXXX XXXX the date of personal service was made on XX/XX/XXXX to a male at my address, and a default judgment requested on XX/XX/XXXX. I have undisputable evidence, that from XX/XX/XXXX until XX/XX/XXXX my XXXX XXXX XXXX son and I were in XXXX Colorado taking care of my XXXX mother, and the only person that would have been at my home on the date of service would have been my sister who was watering our house plants. Based on these dates, it is impossible for me to have been served court documents. I have researched this law firm and find this to be a normal practice, submitting defective proofs of service, and obtaining default judgments. 
There have been many civil suits filed against this firm, only to be dismissed based on the plaintiff 's lack of knowledge of the law, giving XXXX XXXX XXXX XXXX XXXX for dismissal.
Product: Mortgage

I acquired home loan through XXXX bank written to XXXX XXXX mortgage in XXXX. I subsequently refinanced in XXXX. Citi Mortgage acquired XXXX XXXX  mortgage and my loan was transferred to Citi Mortgage. I paid off the loan with Citi in XXXX. Citi released the lien on my house for the transferred loan. But they did not release the lien from XXXX loan from XXXX. Even though I paid off my loan in XXXX, I still have the lien on my title from XXXX which Citi Mortgage and XXXX XXXX  should have coordinated to release. 

This is a huge road block to close my house to the buyer even though I paid off my loan in XXXX. I made lot of arrangements in my new location anticipating that we will close the house per our plan. 

Please help to resolve and get me the release documents needed as soon as possible as I am in a time crunch to close the house. 

Appreciate your help! 

Actions : XX/XX/XXXX : Called XXXX Citi Mortgage number and it went to automated message which said there is no customer service, but directed me to send an email to XXXX. 
XX/XX/XXXX : I sent an email to XXXX requesting help to resolve. But there was no acknowledgement or further information request. 
XX/XX/XXXX : XXXX XXXXXXXX XXXX company based in XXXX, XXXX working on my behalf and the buyer 's behalf to close the house to the buyer- sent an email to XXXX attaching the deed of trust, Substitution of trustee and the title insurance details. 
XX/XX/XXXX : I got hold of one of the Loan officers who helped to work with lien release team and resent the deed of reconveyance from XXXX. But we are looking for deed of reconveyance from XXXX. 
XX/XX/XXXX : I am still trying to figure out how to get the document ( s ) needed to sell and close my house to the buyer.
Product: Credit reporting or other personal consumer reports

I want incorrect information to be deleted that does not belong to me. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. There's no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : 15. XXXX Date of Inquiry XX/XX/2020 16. XXXX Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), and they haven't resolved the issue or even replied to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to Transunion requesting inaccurate information on my account be removed. They responded that no action was needed because of the information provided was correct. As a consumer I have the right to fair and accurate credit reporting because all banking systems are dependent upon the accuracy. Transunion is violating my rights to such and also violating my rights to privacy by reporting false and fictitious information on my credit report.
Product: Mortgage

NewRez LLC should not be in the loan servicing business. At best, they do not have the systems in place to provide even basic mortgage servicing, at worst, they are actively predatory. 

They purchased our loan several years ago, and we have had nothing but trouble since. This month was particularly egregious. We received a letter from our homeowner 's insurance this week stating that they had not received payment since at least XX/XX/2021 and our insurance coverage ended in mid XXXX because NewRez had not paid them. It is now XXXX, so we were unknowingly without home insurance for half of XXXX, all of XXXX, and now half of XXXX. We contacted NewRez to find out why they had not paid, as we have an impound account with them and they are responsible for paying our homeowners insurance from it. It took transferring to several people before they agreed that yes, they were supposed to be paying our homeowners insurance and hadn't. They promised to cut a check that day and overnight it to XXXX, as XXXX was going to terminate us as a customer permanently if they didn't receive a payment within a week. 

That was Wednesday, XX/XX/XXXX. We called again today, Friday, XX/XX/XXXX to confirm it had been done, and it had not. 

Last year, we had a similar problem, but the opposite. We were up to date on our home owner 's insurance, but every month, NewRez would send us a threatening letter, telling us that we were without insurance and if we didn't pay them immediately, they would purchase a new and very expensive policy from some unknown insurance company on our behalf. Each month, I called NewRez to say that we were up to date with our insurance. They would call my insurance agent, find out that we were, and apologize, saying they would correct our records, and yet, it happened month after month. I had to contact them repeatedly, on the phone and through the mail, for months before they finally stopped harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to Fed loans at that time. I have already filed dispute with FED Loans about error on their end and they are working on correcting the issue.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Checking or savings account

XX/XX/ I went to deposit a XXXX check from my tax return at XXXX XXXX up citi bank atm in XXXX XXXX. After calling over XXXX I showed up at my local branch to meet with the branch manager XXXX who has said this is all suspicious as the costumer service representatives will not give us information or unlock the account. On Monday XX/XX/XXXX i went down to the branch again and met with manager demanding my funds and she was able to get the back office to unlock my account and give me what money was mine and still wouldnt allow me to access my other funds that are mine as well as my XXXX check. My account was frozen and put on hold since then I need to pay my bills and rent and get groceries as I explained to them since that day they will not let me access my funds or any other funds. I tried contacting XXXXXXXX XXXX XXXX  to ask them to call the bank and verify but no one will help me I also asked if they can request the check back but I keep getting the run around from XXXX XXXX as well a citi bank