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

XXXX Account No. : XXXX : XXXX XXXX  IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. XXXX XXXX  IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT. 
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM. 
XXXX XXXX  NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS. 
XXXX XXXX  NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS? 
XXXX BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE! 
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES. 
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM XXXX XXXX, EVERYTHING ELSE IS ONLY HEARSAY
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX XXXX  that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 RENT RECOVER OF BETTER XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL NO.XXXX AND CELL XXXX XXXX2 TIMES AFTER CEASE AND DESIST NOTICES.
Product: Debt collection

Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/. I have recently contacted Citigroup , Inc. stating that my account is in billing error.

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX XXXX XXXX. XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Civil Liability, Neglect, and Non-Compliance Violation of 15 U.S. Code 1681o Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding the failure of certain creditors and credit reporting agencies to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which relates to civil liability for non-compliance.

I have identified the following accounts on my credit report that I believe are either incorrect, incomplete, or have not been properly investigated upon my prior dispute submissions. Despite my efforts, these issues have not been resolved, and I am seeking the CFPBs assistance in addressing these violations and ensuring the creditors and reporting agencies comply with the law. 

The following accounts are in dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have provided these creditors and credit bureaus with the necessary documentation and supporting evidence to dispute the inaccuracies in my credit report. However, they have failed to comply with their legal responsibilities to investigate and resolve these disputes in a timely manner. Under 15 U.S. Code 1681o, I am entitled to civil damages for harm caused by their neglect and failure to properly address these disputes. 

To date, the agencies and creditors listed above have either failed to respond, have not conducted thorough investigations, or have neglected their duties under the FCRA to remove or correct inaccurate information within the required timeframe. As a result, my credit report has been negatively affected, and I am suffering financial harm due to this non-compliance. 

I request that the CFPB investigate these violations and take appropriate enforcement actions to ensure that the involved parties are held accountable and that my rights under the FCRA are upheld. Additionally, I request that the necessary steps be taken to remove the inaccuracies from my credit report or to provide a detailed explanation of why these items have not been corrected. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX  ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was contacted by XXXX XXXX XXXX Village Capital & Investment LOAN Originator on XX/XX/XXXX about refinancing my mortgage stating we can setup the loan you will not have payment for 2 months. Then on XX/XX/XXXXanother email stating that I could lower my interest rate to 4 % and payment could be lower as much as XXXX per month.You do not need to re-qualify with income, credit, or an appraisal. You are not obligated to do a mortgage just because you start an application. We can set up the loan so you will not have a payment due for 2 months. On XX/XX/XXXX after I ask him could my interest rate be lower to 3,75 % and he replied that it could be reduced as much as XXXX. Then on XX/XX/XXXX he stated the need for documents and 2 separate utility bills and declarations page for your home owners insurance.The refinance document was attached to the email which I completed and email back to XXXX XXXX onXX/XX/XXXX. I receive a letter from Village Capital Investment LLC out line your mortgage loan application if you have question please contact your Loan Officer XXXX XXXX XXXX  by calling XXXX. This letter showing a project payment amount of XXXX for 1-11 years and XXXX 12-30 year. I then tried to contact XXXX XXXX  from the date XX/XX/XXXX to XX/XX/XXXX but by then I receive late payment that damaged my credit. Then they submitted the report to the credit bureau as I have refinance my home that isn't true
Product: Checking or savings account

I have emailed XXXX  requesting a refund on all XXXX {$9.00} charges made on my cash app debit card. They have yet to refund them. So I contacted cashapp and disputed the charges and they refunded XXXX but not the other XXXX charges of {$9.00} for each charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information
Product: Checking or savings account

Chime closed my everyday checking account with over XXXX Im my account. They asked me for information about a XXXX $ deposit which was a grant from sba not a loan. I gave them all my information including documents from sba also with my name and sba phone number so they can verify with the company if they needed more information. I provided my utility bill along with the front and back of my Drivers license. They said my account was not in compliance its their rules and closed my account with my funds in there. I have lost a substantial amount of money which made things very difficult in finding the right way to go about this situation at hand. The date was XX/XX/2020 I will provide all of the photos and email that i provided to them. I recently reached back out to them and I received an automated email saying they received my email but I have not received anything back so now I dont know what to do to get in touch with the company to get my money back.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a late payment inaccurately reported on my credit file for XXXX. I have always made my payments on time, and this late mark is an error that is unfairly affecting my credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information on my report. I request an immediate investigation into this matter and the removal of the late payment from my record. Please review your records and provide documentation proving the validity of this late payment. If no such evidence exists, I expect prompt correction and written confirmation of the update to my credit file.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Account Dear Equifax XXXX XXXX am writing to dispute an erroneous entry on my credit report regarding my XXXX XXXX XXXXXXXX  account XXXX The account listed below shows an inaccurate payment history and account status. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Amount : {$660.00} The issue lies with the following discrepancies : XXXX. First Payment Never Received : The report states that " first payment never received, '' however, I have documentation that confirms that the first payment was made on time and was received by XXXX XXXX XXXX. This statement is not accurate and needs to be corrected. 
XXXX. Missing Payment Data : The account shows a significant gap in reporting from XX/XX/XXXX to XX/XX/XXXX, and reflects incorrect late payment statuses, including payments marked as " on time '' from XX/XX/XXXX to XX/XX/XXXX, which contradicts the report 's statement of no payments being made during that time. 
XXXX. No Data for Significant Periods : The report also shows no data from XX/XX/XXXX through XX/XX/XXXX. This is a clear inconsistency in the data, and I request that this missing information be fully reported to reflect the accurate timeline of events, or the account be deleted if such information can not be verified. 
Based on these inaccuracies, I kindly request that this account be thoroughly investigated and removed from my credit report. I have disputed this account before with no resolution. 
Thank you for addressing this dispute. Please confirm once the necessary corrections have been made or if additional documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 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

My name is XXXX XXXX XXXX There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.
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 un

der 15 USC 1681. 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: Debt collection

XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Mortgage

Hi I have investments and a mortgage thru wells Fargo and I am wondering about this class action law suit.i am researching this if I have any part of this and will I have too get my attorneys involved.what are my resources do I have..please
Product: Debt collection

Trueaccord will not stop texting me even after replying stop multiple times.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXXXXXX XXXX XXXX  I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

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
Product: Mortgage

As a Veteran, I seek complete signed closing documentation from Guaranteed Rate Mortgage Company on a Veterans Administration Refinance that closed in XX/XX/XXXX to investigate irregularities in the processing of the mortgage that have appeared post-closing. The closing was a so-called COVID contact less closing in which documents were dropped by courier on my porch without customary ability to review final signed documents. It has been revealed that required basic closing records including signed versions were never provided to me by the title company Ravenswood Title XXXX XXXX IL on behalf of Guaranteed Rate Mortgage Company. I have called and emailed Ravenswood repeatedly for weeks with NO response. 


Guaranteed Rate ( Mr. XXXX XXXX Sales Rep/Broker NMLS ID : XXXX ) has promised since last XX/XX/XXXX to resolve the irregularities revealed. Since have not received any reply nor response from Mr XXXX or anyone at Guaranteed Rate, I have retained an attorney, Mr XXXX XXXX of the law firm of XXXX, XXXX XXXX  XXXX, to obtain information and documentation in order to pursue these irregularities. Unfortunately, all parties : Guaranteed Rate, Ravenswood and XXXX are now ignoring my Attorney. Need to get their attention to obtain the documents required to pursue resolution. 


First issue is irregularities in disbursements. Broker, Mr XXXX NMLS ID : XXXX, stated there would be an approximate $ 10K tax deposit rolled into the mortgage resulting in a cash out '' that never materialized. I never received an accounting from the Broker, Mr. XXXX. 


Second issue is Mr. XXXX disclosed and committed prior to my application that Rate.com does not sell its loans and my loan would not be sold or assigned. Several months after closing I received an email from another company XXXX XXXX or XXXX XXXX XXXX stating there was a new loan number and payments should be sent to their contact address. I never consented to nor saw the new loan documents creating the new loan number. 

Final issue I uncovered while doing taxes when I realized the payment processor ( XXXX XXXX XXXX XXXX  ) has been charging me Mortgage insurance on my federally guaranteed Veterans Administration ( VA ) loan. Mortgage insurance was never disclosed in the closing.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B obliges us to remove any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed have inaccuracies in reporting, amounts, and dates.