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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX XXXX ) Has violated my rights 3- ( XXXX - XXXXXXXX XXXX  XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX ) Has violated my rights 5- ( XXXX XXXX XXXXXXXX XXXX ) Has violated my rights 6- ( XXXX XXXX ) Has violated my rights 7- ( XXXXXXXX XXXX XXXX XXXXXXXX ) Has violated my rights 8- ( XXXX XXXX XXXX XXXXAccount XXXX XXXX ) Has violated my rights 9- ( XXXX XXXX/Account # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX/Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXHas violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX number XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX I wiill be filing form 211 Treasury omb firms to audit consumer account. XXXX us securitizing consumers data yett refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Mortgage

I got a letter on Tuesday of this week,XXXX. The letter was dated XX/XX/XXXX, so I received it over a month after written. This was regarding the KeyBank data breach from XXXX and XXXX of XXXX. They said my name, mortgage property address, mortgage account number, and home insurance policy number and information was breached. 

I called to have my bank account that was linked deleted. They said on the phone they would do that on Tuesday, as of now, it's still not deleted. 

I called every day this week always speaking to someone new who said they would file a report. I requested my account number be changed as it was stolen and my financial future is now destroyed. The Executive office employees would leave a voicemail twice without calling me leaving me no opportunity to pickup. When I call right back they are unavailable. Finally I called repeatedly on XX/XX/XXXX until someone got on the phone, XXXX XXXX I asked again for my account number to be changed. I was told by a KeyBank employee that HELOC loan members were allowed to change their account numbers. I was told that KeyBank does not do this and will not. I asked them to send me a letter saying specifically why and that they refuse to do so. 

I called my home insurance company the day I got the letter who immediately answered the phone and changed my account number. My bank was more than happy to do it along with adding security measures to my accounts, and I completed this Wednesday. 

KeyBank, who was responsible for the breach refuses to make me safer. KeyBank who advertises that they are secure, and are not, refuses to protect me. Other mortgage companies are happy to change account numbers in situations like this. KeyBank, if you can talk to a real person, clearly does not have the security or business practices in line with it's customers safety. I feel extremely unsafe with KeyBank not responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax 3 letters stating to validate and send proof of the following items : XXXX  account XXXX, XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX. They have failed to due so. Each time the letters were sent certified and were received. Also they are reporting XXXX inquires that are not mine. ( my information was breached with their systems ) XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting information on my credit report. This is slandering my name and causing pain and suffering.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt I do not owe on account # XXXX. I never received anything for this debt and it is very old and past the statute. I should not have this debt, I do not owe it.
Product: Credit reporting or other personal consumer reports

I have XXXX lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system.

What a joke.

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from 2011 that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX XXXX. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL
Product: Mortgage

RE : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Vandalism, Theft, Damage, Fraud on behalf of property preservation company, servicer and or lender. 

To whom it may concern, This letter involves damage, theft of personal property and possible fraud caused by the property preservation company XXXX XXXX XXXX XXXX XXXX, Their employees, contractors, and or subcontractors. 

On or about XX/XX/XXXX XX/XX/XXXX secured and winterized this property at the request of the servicer and/or lender due to taxes that were not paid by the borrower. During this time frame the property was vandalized, Items were taken form the home, and the improper winterization of the property caused major water damage within the home. 

The property preservation company replaced a roof on a shed stating that they replaced XXXX square feet of roof deck and roofing material. The issue is that the shed is only XXXX '' by XXXX '' for a total of XXXX square feet. Then they charged for XXXX sq ft of roofing material but install XXXX different roofing materials on the roof. 

It is my understanding that HUD has to approve these repairs and in just this one issue I believe the maintenance company may have committed fraud based on the false statement of square footage of the shed roof. 

I have been dealing with these issues since XX/XX/XXXX with The Maintenance Company ( XXXX ) The Servicer ( XXXX ) and The Lender/investor ( AAG ) as well as the insurance carrier at the time ( XXXX ) Insurance Co. Obviously to no avail. All entities involved refuse to accept responsibility. 

I have detailed documents supporting all my concerns and have run into walls with all involved. I am requesting that someone contact me so that I can get some questions answered and hopefully offer a solution on how to move this issue forward. 

I am currently seeking {$7700.00} in restitution for Vandalism, Theft of personal property, Fraud, and water damage due to improper winterization of property. 

I believe that AAG should be held accountable due to the fact that they are the lender/investor that contracted with XXXX XXXX XXXX XXXX XXXX. It is my understanding that the lender must assume FULL responsibility for all actions created by their contractors as noted in the XXXX letter to motrgagee. 

I can be reached at any of the above contact points ( preferably phone ) at your earliest convenience. 


Sincerely XXXX XXXX Son of deceased parents XXXX and XXXX XXXX
Product: Debt collection

I have been getting almost daily calls from Auto Trakk , LLC for someone who is not me. The calls started when I got a new number approximately XXXX of XXXX. After a few calls and speaking to a supervisor, I stopped receiving calls XX/XX/XXXX ; however, the calls have started again. I received phone calls on XX/XX/XXXX and XX/XX/XXXX. I returned the call on XX/XX/XXXX leaving a voicemail notifying them again that they had the wrong person and I was not who they were trying to contact. 
I received another call on XXXX where I spoke to an employee and told them I was not the person they were looking for and to please stop calling. Employee stated they would not call again. 
I received another call on XXXX, where again I notified them I was not the correct person and to stop calling my number. Employee again apologized and stated they would not call. 
I received another call on XXXX, where I asked to speak to a Supervisor. This supervisor stated he would make sure the calls stopped. 
Since speaking to a Supervisor, I have received calls on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit reports from all 3 credit bureaus, Experian, XXXX, and XXXX in XX/XX/2021. I found collections accounts on my credit report with all 3 credit bureaus, public records from 7 years ago that haven't been removed, personal information like other social security numbers other than mine listed on my credit reports, student loans that are under my name which doesn't belong to me .I have disputed all the fraudulent accounts as well called in via telephone to each credit bureau to dispute personal data on my reports that aren't mine but the credit bureaus are yet posting the fraudulent data on my reports after informing them. I am XXXX  XXXX, I have reached out to the XXXX XXXX XXXXXXXX XXXX Department about discharging the loans as they are affecting my livelihood, I can't get a place to live and I have children, I can't get any type of financial assistance not to mention, I can't get a mortgage due to the fraudulent data on my reports! I have turned in my Benefit query from the Social Security Administration to each credit bureau showing that I am XXXX and that they are affecting me mentally and psychological due to all the negative items on my report that don't belong to me and them not removing it for me. I am hurt, sad and disappointed. Each time I dispute the items XXXX, XXXX  and Experian keep listing the fraudulent items. I will be forced to get lawyers involved if this matter isn't resolved on my behalf. another complaint is that all three credit bureaus XXXX, XXXX, and Experian have failed to update my credit reports. For example, I have a XXXX XXXX credit card and I make all my payments on time, I have a exceptional payment history, however the three bureaus have failed to update my reports reflecting my XX/XX/2021 regular credit card payment in the amount of {$290.00}, along with a double payments made on my credit card account in the amounts of {$930.00} on XX/XX/2021 and XX/XX/2021. Both in the amount of {$930.00} each totalling {$1800.00}, none of the XXXX payments have been reported by all 3 credit bureaus to reflect my exceptional payment history.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.
Product: Debt or credit management

My husband, a 100 % XXXX United States XXXX Veteran, was attempting to settle some debt after he was given a prognosis of his health so that I would not have to deal with financial hardship. He scheduled an appointment with his financial banker at XXXX XXXX. His was give a referral to contact XXXX XXXX XXXX. 

On XX/XX/XXXX, My husbanded into a contract with XXXX XXXX XXXX, to negotiate outstanding debt, and RAM, Reliant Account Management acting as the account servicing agent. On XX/XX/XXXX, I, his wife, became his Financial and Medical Power of Attorney after my husband was hospitalized. I stepped away from my career to care for my husband fulltime. I took over the finances and contacted XXXX to inform them of my intentions to terminate the contract. All the household accounts was on autopay as I spent days and nights at the hospital by my husband 's side. 
On XX/XX/XXXX, my husband passed away. I again contacted XXXX XXXX XXXX on XX/XX/XXXX, and requested the account closed and all monies forwarded to me so I may complete my fiduciary duties accordingly to my husband 's estate. ( Please see attached email ) XXXX agreed to process a cancellation however nothing else followed. I made calls weekly to check the status of the cancellation and refund. Sometimes getting a phone attendant informing me someone would contact me, other times not getting anyone on the phone at all. According to the attached contract, we were able the cancel the contract at any time and have all monies returned. 

On or about XX/XX/XXXX, I received a check in the amount of {$100.00}. I was completely and totally insulted by this disregard and mismanagement of this account. 
On XX/XX/XXXX, another request was made by the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the full amount listed in the escrow account in the amount of {$9900.00}. ( Please see attached document ).
Product: Debt collection

The cfpb issued a XXXX fold administrative proceeding ( File No. XXXX ) against Central Financial Control. 
One mandate of the proceeding was a penalty of up to {$120.00} ( aprox ) per incident to each affected customer. 
Another mandate was to issue a full refund to customers who had paid the implicated debts ( accounts ) in full. ( The third aspect of the proceeding is to forgive in full the debt of afflicted customers who failed to pay their debt. ) I was issued XXXX penalty checks of {$120.00} each, complying with XXXX mandate of the proceeding. In addition and as per the proceeding, a refund is due to me in the amount of {$2700.00}. for account number XXXX, for a debt that was paid in full to Central Financial Control and is XXXX of the accounts I held covered by the cfpb mandate. A check for {$120.00} to comply with the penalty mandated was issued for this account, but absolutely no refund has been issued. Central Financial Control is still in violation of the 'refund ' mandate in the proceeding. 
Please refer to the cfpb directive XXXX XXXX. XXXX, link : XXXX XXXX I anticipate a timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has five accounts in my name the first one was opened in XX/XX/XXXX the second one was XX/XX/XXXX the third one was XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX my phone has been hacked 6 times I has to replace my phone twice one amount for XXXX XXXX was XXXX and the other one is XXXX the other on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Closed and Charged-Off Accounts Accounts : DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the removal of the above-referenced closed and charged-off accounts from my credit report. These accounts are inaccurately and illegally reporting, and their continued presence on my credit file violates federal and state laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to ensure that only accurate, verifiable, and current information is reported on consumer credit reports. Reporting charged-off accounts or closed accounts without properly verifying the accuracy of the information, especially when no longer relevant or legally collectible, is a violation of this act. Additionally, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are prohibited from reporting incorrect or incomplete information.

Furthermore, under Maryland Commercial Law Code 14-202, it is unlawful to attempt to collect or report inaccurate or outdated information on a credit report. This includes closed and charged-off accounts that should have been updated or removed. 

I specifically request that the following accounts be immediately removed from my credit report : DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been closed or charged off, and reporting them continues to harm my creditworthiness despite no valid, enforceable debt being associated with these accounts at this time. Their continued presence is inaccurate and misleading, violating my rights under the FCRA and Maryland state law.

Please conduct an immediate investigation and remove these accounts from my credit file. Failure to comply with this request within 30 days will leave me no choice but to pursue legal action to protect my rights, including seeking remedies for damages and legal fees.

I expect a written confirmation that these accounts have been removed and that no further negative reporting will be associated with them.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX