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

I pulled a copy of my credit report and noticed fraudulent accounts that i need DELETED immediately. Under 15 USC 1681c-2, I am demanding the following fraudulent accounts be immediately deleted from my consumer reports as they were NOT accounts originated by myself nor were they authorized to be posted on my consumer report. This constitutes identity theft and they must be deleted immediately. PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed an FTC complaint, See ATTCH : XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC {$700.00} Account XXXX  XXXX LVNV FUNDING LLC is reporting a collection account on my credit report that has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a contract issue with XXXX XXXX in XXXX with a sales person who wasnt truthful. concelled the service and XXXX sent the account to a collection company for a XXXX fee. We settled and paid the account. The collection company XXXX XXXX has marked the account as " Disputed by Consumer ''. They refuse to remove this and provide me a petter on their letterhead stating the account is not disputed by the consumer. I have tried numerous times to have this removed and they refuse. Im the consumer and I DO NOT DISPUTE. Their failure to remove this is holding up a mortgage loan causing me now to have a higher rate because of their delay.
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 15 USC 1681. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, and 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 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, credit repair services, or other personal consumer reports

in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, XXXX XXXX XXXX # XXXX type of account revolving, the following inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor
Product: Mortgage

My wife passed on XX/XX/XXXX with no will, so Probate has to be done. She signed Reverse Mortgage XXXX. We married in XXXX therefore Servicing Company states that I am a non-eligible spouse to purchase a loan within 30 days of death. Has requested documents from me to prove Nevada law that spouse can assume property rights of deceased wife. Has requested a " for sale sign '' by the owner to be placed in the yard even though I am not recognized as an " owner '' by the loan servicer. Sent letters dated 2 weeks back stating 30days started at the writing of the letter. Communication via email or phone replies is stated to be 10 business days between communications. and not to send or reply twice. Have secured court date for probate but is an outside window of time given by Loan company CELINK. COVIN has changed normal business practices that used to take just a few days has changed access to courts to weeks. All I am requesting is 90-day extension to allow the new loan to be obtained via VA but the answer is no. The law was changed in XXXX for spouses but this company is not giving due to families to actually pick up the pieces prior to foreclosure. This was stated FORECLOSURE would be started 15 days prior to the 90th day in order to assure foreclosure to happen on time.
Product: Credit reporting

XXXX Inquiries appeared on my Equifax credit report and Equifax in violation of the credit laws refuses to remove them. They need to be removed as they are not mine
Product: Money transfer, virtual currency, or money service

My same PNC is not letting me withdraw or accept my money from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted.

the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Mortgage

We began working with Quicken Loans on XX/XX/2016 on an offer to refinance our home with cash out, with an interest rate of 3.75 %. We paid a {$500.00} initial deposit to Quicken Loans on XX/XX/2016, based on the advice of the lending XXXX that we could receive a refund through the point of getting an appraisal. A conservative estimate of the home value used for the offer was {$240000.00}. Quicken Loans used their sister company XXXX to obtain an appraisal by XXXX of XXXX. The appraisal came back on XX/XX/XXXX with a home value of {$230000.00}. The loan offer went from {$190000.00} to {$180000.00}. The XXXX changed. We raised concerns about the significant errors in the appraisal. A revised appraisal was issued on XX/XX/XXXX correcting some of the errors but not all of them and not changing the appraised value of {$230000.00}. We continued to have conversations with XXXX XXXX representatives to request proper corrections to the appraisal. We submitted documentation of our concerns. The appraisal was revised again on XX/XX/XXXX, but again not accounting for all of the previous errors and not changing the appraised value of {$230000.00}. We requested a full refund of the {$500.00} for the appraisal or that Quicken Loans obtain another appraisal at its expense. Quicken Loans has refused both of our requests, and urged us to move forward with financing based on the {$230000.00} appraisal. We declined. Not only is Quicken Loans refusing to return our deposit, but we have now lost the opportunity for a lower interest rate loan.
Product: Mortgage

Hi, My name is XXXX XXXX, I currently have a loan with XXXX XXXX XXXX XXXX  since 2018. My home flooded on XXXX. To my misfortune, I have mold, asbestos and the loss of my personal belongings. I started receiving checks from my insurance company ( XXXX XXXX ) in XXXX. 

Ive been in constant contact for months with XXXX XXXX XXXX XXXX  regarding my loss. I endorse all the checks and XXXX XXXX XXXX XXXX has had them in their possession since the end of XXXX. Ive done everything the insurance company and my mortgage required me to do. I have a contractor who is ready to work. To date, my home hasnt been repaired. 



I have been misinformed by XXXX XXXX XXXX XXXX regarding how the funds are being released. On XXXX XXXX, I sent all the estimates for the repairs but were denied. My contractor, XXXX and I called XXXX XXXX XXXX XXXX  on XXXX around XXXX, I was told, she did not see paying XXXX percent payment to the contractor because it was not a big loss ( see attached ). I called today, XXXX, and spoke with XXXX ( XXXX ). I asked to speak to a supervisor, this will take XXXX to XXXX days. I called again @ XXXX to inquire about the estimates I submitted on XXXX, this will take XXXX to XXXX days for a review. Now, Im told only XXXX percent will be released to the contractor. I called back today @ XXXX and asked for this information in writing. Again, I am misinformed and stonewall. Calling numerous times, I always receive a different reply or answer. I honestly believe this is done intentionally. I want to move forward getting my home repairs done. 

XXXX XXXX XXXX XXXX  is creating hardship for me and my family. My overall experience with XXXX XXXX XXXX XXXX has been a disappointment with service, unprofessionalism, and unfair practices. 

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Product: Credit reporting

I was notified by my loan officer on XXXX/XXXX/15 that Equifax reported ( XXXX ) collection items from XXXX. I immediately opened a dispute with Equifax on XX/XX/XXXX. I learned that in XXXX 2015, XXXX XXXX XXXX ( XXXX ), posted ( XXXX ) collection items on my credit report on behalf of XXXX. Equifax provided the phone # to XXXX. The XXXX rep looked up the reference # s XXXX & XXXX and quickly recognized that these were in someone else 's name, not my address and not my social security #. She then indicated they would process the dispute and notify the credit bureaus and XXXX. I need to have this removed from credit report immediately. The XXXX rep stated that XXXX would have sent the erroneous info to XXXX with my name and address. XXXX does not look up anyone 's address/contact info. I have no accts with XXXX so I do n't see this as a glitch in their billing system. I have no idea how XXXX got my name. I 've never had a comcast account and have no idea why they would link XXXX XXXX 's accounts to me. I 've tried to get someone at XXXX to address this and after numerous waits and transfers between collections, billing, etc. they will only refer me to a website to complete a form that I then have to get notarized and send to them. Absolutely ridiculous. It is clear that these are not my accounts and the burden of proof ( and hopefully law ) should require XXXX to rectify this immediately. There must be some regulation around tagging fraudulent information to an individual. It 's clear there are some unscrupulous practices occurring at XXXX. How they tied my name/address to this person 's deliquent accounts should be investigated. Also their practice to require the consumer to complete a fraud report and get it notarized is an inconvienence that I as the victimized consumer should not have to endure. This issue is impacting my ability to secure a loan for a significant financial transaction which will cause me a financial hardship if not completed. This has placed a blemish on my credit history despite the fact that it will eventually be removed. I will seek damages if this inaccurate information causes me to lose this financial opportunity for which the loan is for. Someone needs to investigate to determine if this is a widespread practice at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.
Product: Checking or savings account

I had an account and it was over drawn I tried to call and report the fraud because I was not the one who made these transactions and Wells Fargo charged me Alot of over draft fees and closed my account. They didnt do anything but close my account now I have judgments on my credit and Ive been getting billed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to XXXX   and Experian. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.
Product: Credit reporting or other personal consumer reports

My account with the GROW CREDIT INC and i was never late! I have had exceptional payment history with this company 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 in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Bank account or service

Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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.

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX CHILD SUP 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 In accordance with the Fair Credit Reporting act Convergent 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, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Social Security check went into bank. The credit company the loan is with, Advance Financial, took money out too early contrary to my check deposit day and the agreement signed. Not only did they take one payment out, they did it twice, over drafting the account. Now there is no money in account for rent and credit co refuses to refund any money they illegally took.
Product: Student loan

I was told this XX/XX/XXXX that my Income based repayment plan would continue as long as I provided my tax information each year. Which I 'm sure I read when I started the XXXX many years ago. However I was never told what my calendar year anniversary was, or a specific date. Rather that I had just to provide my tax info once I had it. Now I realize that each year they 've added interest to my principle while I waited for my tax info to arrive and then to file it. The representative at Nelnet never stated a specific date but just a general statement, He said " once you 've got your tax info turn it in to us to continue with the XXXX ''. I 've just been told today by another representative at Nelnet that my XXXX lapsed for a period and over {$3000.00} has now been added to my principle and there 's nothing that can be done about that.That 's equal to or more than I will make in payments ... I can only guess that this has happened each year and they just gladly applied that to my principle but never called me to state if we do n't get " X '' information by this date you will get booted from the IBR. This is a terrible and deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report per transunion, XXXX and XXXX. A degoratory mark was placed on my credit reports on XXXX XXXX 2016. After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.
Product: Credit reporting or other personal consumer reports

I have been in contact with Equifax, XXXX and XXXX for over XXXX months trying to resolve an issue with my credit report. They have been running circle around me over and over again, delaying the resolution of the dispute and actually not following the law. I submitted a letter I received from the Clerk of the Court for my XXXX telling all three credit reporting bureau 's that the court HAS NOT AND WILL NOT VERIFY the XXXX information and I sent a letter to all three credit bureau 's stating the facts and the law and that they needed to remove the XXXX and all the accounts related to it from my credit report. Siting that per the FRCA - Per the Federal Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( a ), you are REQUIRED by federal law to verify through physical verification of the ORIGINAL singed consumer contract and or judgement through the court. - all accounts and public information that you post on anyones credit report, Otherwise anyone paying for your reporting services could fax, mail in fraudulent and erroneous account information. As such, if this unauthorized public record information is not DELETED from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. 
I have provided a copy of the letter from the Clerk of the Court from the U.S. XXXX  Court of XXXX that I received on XXXX stating that you did not verify the information with them!!! 
You only verified with XXXX which is against the law per the law you have to verifiy with the ORIGINAL COURT!!!!!!!! I will file with the court at this point against you for not removing this XXXX as you are in violation of the law - Section XXXX ( a ) ( XXXX ) ( a ). This was submitted on XX/XX/XXXX and again on XX/XX/2024. I tried talking to Equifx on the phone and the first person actually hung up on me becasue he was not happy with what I was saying and then when I tried to call back again, they said now that " They couldn't VERIFY me '' and they couldn't talk about my account. Something seems very fishy about that, They said I had to mail them a copy of my driver 's license and my SS # card which I already did XXXX weeks ago and they miraculously never received it. Im trying to get my teeth fixed because it is affecting my health very seriously and I have been denied a loan from the teeth company becasue of this reason. Please HELP!! I'm so tired of going around and around with these XXXX companies Equifax, XXXX and XXXX and getting no where, I now per the law they have to remove this as it was only verified with the XXXX XXXX XXXX and not with the ORIGINAL COURT. Please PLease help me with these XXXX credit bureau 's as they keep pushing out the date to resolve the issue and saying it was " updated '' which it never is!!. Even after I sent them the letter from the clerk of the court and my persoanl letter with the stated law, they still sent me a resolution that says they verifed with XXXX and not the actual COURT. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX