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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE CHASE BANK SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED CHASE BANK SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH CHASE BANK NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE CHASE BANK CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET XXXX XXXX XXXX XXXX DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, Equifax, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
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 XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding the presence of fraudulent items on my account. This letter serves as a formal complaint regarding the initial attempt to address and remove these unauthorized entries. 

The discovery of fraudulent activity on my account has caused me considerable distress and anxiety. As a valued customer, I trust in your institution 's ability to safeguard my financial interests and promptly address any security breaches. The failure of the initial attempt to remove the fraudulent items undermines this trust and raises doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate action to rectify this situation. This should involve a thorough investigation into the root causes of the initial failure to remove the fraudulent items, as well as the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these accounts in my credit file : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDNXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

My companies accounts, cds, and other accounts are being fraudulently controlled by my father, my brothers and I demand to get access to my accounts my shares and anything to do with my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX/Dept of Ed 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

My account with XXXX XXXXXX/XX/XXXXXXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 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. XXXX XXXXXX/XX/XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX north XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my credit report. I recently obtained a copy of my credit report and found an error regarding an account that I believe to be inaccurate, incomplete, or unverified.

The account details are as follows : Creditor/Collection Agency Name : [ Name of Collection Agency ] Account Number : [ Account Number ] Date Opened : [ Date on Credit Report ] Balance : [ Balance Listed ] According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. I request that you investigate this account and provide me with documentation proving its validity. If the account can not be verified, I request that it be removed from my credit report immediately. 

To support my claim, I have attached copies of [ mention any supporting documents, such as credit reports, correspondence with the collection agency, proof of payment, or identity documents ]. 

Please conduct a thorough investigation and update my credit file accordingly. Kindly provide me with a written response regarding the results of your investigation within the timeframe allowed by law ( 30 days ). 

Experian Experian XXXX Department po box XXXX XXXX, TX XXXX Equifax Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX 2000 XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, this company has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 

I sent a letter asking this company to show proof that I was late on this account, and they failed to do so. 

I was never late on these accounts, and I demand they be updated too positive.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I didnt not authorize anyone to open these accounts without my authorization. These accounts do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore Equifax actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation/
Product: Credit reporting

Experian will not remove debt off of my credit that can not be properly validated. I do n't know what they take as validation but this company trying to get money out of me has not sent me one thing to prove anything I owe. XXXX removed everything and followed the law. Not sure why Experian is not. 

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX. ( under the FCRA ) A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Experian has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Experian can not produce these items that the company has sent to them then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. XXXX Texas Surety bond information as required by Texas XXXX XXXX XXXX XXXX
Product: Mortgage

Trying to remove PMI from my conventional mortgage. My mortgage company took payment for appraisal 2 months ago. They received my payment and took payment instantly. Last month they sent me a letter stating they need more money for appraisal inspection. Paid additional money as request. Already spoke 5-6 times with representatives from mortgage company and every time I get the same answer : " someone will call back ''. Never received a call back. For the past 2 months I have been trying to find out when is appraiser will come out and inspect the property. I called numerous time and not able to get any answers. Keep saying someone will contact you but no one reached out to me for the past 2 months. 
Please help.
Product: Debt collection

COLLECTOR IS TRYING COLLECT ON A DEBT INCLUDED IN AND DISCHARGED XX/XX/2018 XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted complaints to XXXX, XXXX, and Experian notifying them that there are inaccurate reportings on my credit profiles. I have asked them to provide validation of these items they claim to be accurate but have failed to do so the following inaccurate items are listed on my credit reports and they go against my rights as a consumer : 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
Product: Student loan

I have been asking for information and trying to get them to review my loans, specifically the loans that were disbursed 20 years ago to get them forgiven. I have not been able to speak to any customer service agent as I am put on hold for 45+ minutes. I have contacted them through the messaging on their site, and they give me canned responses. They told me they would have a customer service agent call me and I have not received a call yet.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

WE have for over ( 4 ) four yrs been trying to obtain a Mortgage Modification from Wells Fargo Bank. ( Please see attach History ). 
Thousands of Documents have been sent to wells fargo Bank. 
Two direct intake meetings with wells fargo Representatives. Received all requested Doc. 
Hundreds of phone calls, Fax, Mailing It was not until XXXX XXXX XXXX got involved that the documents were expedited to the underwriter 's. 
The underwriter 's through to Wells Fargo preservation specialists requesting many adding documents pertaining to my wife 's income verification which we supplied to them We just received XXXX letters from Wells Fargo that we were being denied for home modification loan because of my wife and I combined gross income??? ( See Attach ) We contacted our preservation specialists at Wells Fargo, who knew nothing about Us being denied a modification. 
We were revise to requests an appeal based on the incorrect amounts. After four years of documentation sent to Wells Fargo, I ca n't comprehend how they would have the wrong totals send in a request to appeal with supporting document. We completed the form and fax back to Wells Fargo. Then Mailed ( XXXX XXXX, XXXX ) The following documents listed below to verify correct total gross income amount. 
1 ) Complete Income Verification : A ) Spreadsheet total income past 26 months bank statement B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) C ) All XXXX sales 24 months D ) XXXX statements 24 months E ) P & L statements XXXX, XX/XX/XXXX, & XX/XX/XXXX F ) XXXX 's Income taxes XXXX all scheduled XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX G ) My Wife XXXX Past 18 months of Pay Stubs H ) XXXX income taxes XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I ) Confirmation letter contribute for my wife XXXX J ) Household expenses Paid bill for past 12 months K ) history Journal past four years documents sent to Wells Fargo. 

We have been inform from the Lawyer that he was told over the phone that are Appeal now has been denied, I 'm just do n't understand why? if the totals were are wrong, Why would n't you want it corrected? 
I still feel that Wells Fargo bank, created this foreclosure by after 11 years changing our monthly mortgage, By doubling monthly mortgage payment, but without notice determining that we need in escrow account : started???
Product: Mortgage

My daughter has been trying to help me apply for a loan modification as my wife passed away and Covid I fell behind in my payments this was in XX/XX/XXXX since then I have been turning in documents and they send me a letter they need more documents they wont take my payment because they said I am in a modification and the balance is now XXXX they increased my monthly payment without notifying me. I cant reach a live agent then I spoke to XXXX XXXX and he said they dont need a profit and loss for me cause I am retired. On XX/XX/XXXX they sent me a letter which I got on XX/XX/XXXX. They denied my modification because all docs were not provided. But due to Covid its taking more time to get the deed they need now we are denied and cant get to a live person Im also a vetern and worried I will loose my home please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, OH XXXX The following addresses are NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX
Product: Mortgage

Back in XXXX and XXXX requested loan assistance. Never received a call from anyone at Fay Servicing. I tried on Countless times to get a hold of someone at Fay Servicing and no answer and Also HOPE hotline called Fay Servicing with me on the line and still received no answer on possible loan repayment assistance. 

XX/XX/XXXX, I ended up paying ALL my delinquent payments with help of family members. I paid the amount requested on reinstatement letter from Fay Servicing. I thought everything was okay. Since reinstalment I have been making every single payment on time. Fay Servicing marked me late, my credit was severely affected, and this is how i found out about possible late. Per Fay customer service rep. she they might have done their calculations wrong. 
I NEVER received any type of notice letting me know of possible late payments. 
I have called and been on hold for 1-2 hrs. each time and no one can give me a clear answer. I have asked to speak to supervisor and no answer. Every time i call they are confused on what is going on with my loan I have left multiple messages to a supervisor and still no answer. 

I have record of making mortgage payments for several months in XXXX ( I had to apply for XXXX to keep my home, no longer in XXXX ) and Fay Servicing did take payments however it's not counting these payments. 

Fay Servicing is extremely difficult to get a hold of and they give you NO answers. They keep " saying it is what it is, this is what is in our system '' They keep taking my payment however Fay Servicing continues to take my money and is not properly applying to my loan. 
I need help please. Very deceptive and continue to not give me answers of where the money is going and being wrongly marked late.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX placed a negative report for a collection account on my XXXX credit report. I have no idea who the original creditor is. I mailed a request for verification of the debt to XXXX XXXX, and they never responded.
Product: Debt collection

Fraudulent debt collection just appeared on all 3 of my credit reports last week. This is stopping me from purchasing a home. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in regard to a XXXX Late Payment notifying them their records were incorrect and asked them to remove the negative reporting from my credit accounts. I sent them proof of payment from my bank and to date they have still not removed the negative mark on my account despite my disputes.
Product: Credit card

Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.