23daVinci/CFPB_Complaints huggingface dataset:
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 under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have full account but I put the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

The original charge was for ambulance services provided by  XXXX  on  XX/XX/XXXX , taking my father,  XXXX   XXXX , from his   XXXX   XXXX   facility   to a hospital after a   XXXX   XXXX  . The service was incorrectly coded, so  XXXX  denied payment. Therefore, direct payment was arranged with  XXXX  to pay the bill of {$700.00} ), first on 5 recurring payments from  XX/XX/XXXX  of {$63.00} each ( totaling {$310.00} ) and  one  final payment on  XX/XX/XXXX , in the amount of {$380.00}, bringing the total paid to {$700.00}. As a side note,  XXXX   XXXX  passed away  XX/XX/XXXX .     At some point after full payment was made,  XXXX  passed information on this charge to a collections agency (  XXXX   XXXX   XXXX   ,   XXXX  - an affiliate of  Pendrick Capital Partners,  LLC ), who attempted to bill my mother,  XXXX   XXXX  ( who is  XXXX   years old and requ ires my assistance for her financial affairs ), for a total of {$690.00}. I contacted  XXXX  by phone, who stated the account was paid in full, and the collections was a mistake. I contacted   XXXX   by letter, showing proof of payments made. On  XX/XX/XXXX ,  XXXX  replied acknowledging the dispute letter, and stated they had ceased collection of the account pending investigation of dispute. Nothing was ever heard from them again.     In  XX/XX/XXXX , another affiliate of  Pendrick Capital ,  Affiliate Asset Solutions LLC, wro te to my mother demanding payment of {$690.00}, without any acknowledgement of the previous dispute or proof that the payment was not owed. Fascinatingly, they changed the date of service for the ambulance from  XX/XX/XXXX  to  XX/XX/XXXX . No service was provided on  XX/XX/XXXX . They did not acknowledge the patient / consumer,  XXXX   XXXX , had passed away. My response was to send the entire package of proof of payments in full to  XXXX , along with copies of the letters received and sent to  XXXX . I received no acknowledgement of this package.     Yesterday  (  XX/XX/XXXX  ) I re ceived ANOTHER letter from  Affiliate Asset Solutions , this time offering my mother a " discount '' of {$240.00}, demanding a payment of {$450.00}, which was due the date the letter was received in the mail. There is no acknowledgement of the previous disputes, proof, or death of the actual consumer of the original ambulance service. Today I have downloaded your template letter demanding they cease to contact my mother about the debt ; attaching the entire package I keep sending them proving the debt did not ever exist.
Product: Debt collection

I received notification from XXXX XXXX that a new collection was placed on my credit report out of the blue so I checked it and found out that without any notice or dunning letters, Amerifinancial Solutions placed a debt collection on my credit report for {$460.00}. I had no knowledge of this debt and again, never received any notifications so that I could try and dispute this debt.
Product: Credit reporting or other personal consumer reports

by the law that requires that everything that I do not recognize be disputed and deleted if my credit report, therefore, I have already disputed these addresses that I do not recognize with the Experian agency and they have not yet resolved the problem of deleting addresses that I do not recognize and have not experienced either. in none of them, therefore these addresses are a subject of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$360.00} ; SUN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$370.00}.
Product: Debt collection

I previously paid a tuition debt with XXXX XXXX University in the amount {$1600.00} in XX/XX/2019. I paid this amount directly with the University and not with a debt collection agency ( National Credit Management ).  I never had a contract or have done business with this company yet they are reporting a closed account on my credit report which is erroneous. I have requested payment and debt validation from this company yet have received nothing in return. I Have disputed this account with the 3 credit agencies but have yet to gain a resolution. This company is reporting false information and is violating my rights under the Fair Credit Reporting Act. I have been subjected to undue financial burden due to this false and illegal credit reporting.
Product: Credit reporting or other personal consumer reports

My mortgage company XXXX XXXX improperly reported late payment. They reported late payment for XXXX, As you can see on my statement, payment for XX/XX/XXXX bounced on XX/XX/XXXX as I was charged the fee of {$25.00}. 
Then you can see I made 2 payments on the XXXX and XXXX. 

I disputed with Experian and they did not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX SSN XXXX XXXX XXXX. I have been trying to file a dispute with Transunion Credit Reporting regarding hard inquiries on my report that I did not approve. They keep giving me the running around even after I contacted the creditors that pulled my credit report. The companies are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX  at XXXX XXXX, I received a phone call from XXXX. The agent said they were calling from Flagship Credit and wanted to know if I could give them information on how to contact my sister. I explained, not so very nicely, that I haven't spoken to my sister in over 10 years and as far as I'm concerned my sister could drop dead. I then told them never to call me again. They apologized and agreed not to call me again. On XX/XX/2023 at XXXX XXXX, I received another phone call from XXXX. The agent once again identified themselves as Flagship Credit and wanted information on how to contact my sister. I started yelling at them and repeated once again that I have not talked to her in over 10 years and to stop calling me. They apologized and said the calls would stop. I said, " You guys already agreed to stop calling me the last time, yet here you are calling me once again! Stop calling me! ". Today ( XX/XX/XXXX  ) at XXXX XXXX, I received a phone call from that same number ( XXXX ). The agent said he was calling from Flagship credit and wanted info on how to contact my sister. I started screaming at him and told him I'm tired of the calls! I explained that my phone number is on the National Do Not Call Registry and they have no business calling me! Especially since they agreed to stop! I'm assuming they are trying to collect a debt from my sister. After the 1st phone call I received from them, I googled Flagship Credit and it said they give auto loans to people with sub prime credit. This is not my debt! I am tired of these calls! What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Transunion for violating my FCRA rights. I've sent several letters to TransUnion to try and get them to investigate these inaccurate accounts on my behalf. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.
Product: Vehicle loan or lease

Since XX/XX/2020, I have called my auto loan company several times to resolve this error on my credit report. On XX/XX/2020, my auto loan company reported that my account is 90 days past due with the balance of {$1500.00} ( which included a repossession fee ) and that my car is being repossessed. I did not understand why my car is being repossessed when I made a payment to them on XX/XX/2020 of {$390.00}. Although my payment is usually due on the XXXX, I paid this amount without a late fee because one of their customer service representatives offered me their COVID-19 relief program on XX/XX/2020 around XXXX. According to this rep, the COVID-19 program would defer my payment for XXXX once I made the payment in XXXX and sent my job letter. Which I did as instructed. ( proof will be attached below ) The next time I call in XXXX to make a payment I hear my car is in repossessions. On XX/XX/2020 around XXXX - XXXXXXXX XXXX, I spoke to XXXX XXXX this situation and she said this occurred because their system did not acknowledge my payment made in XXXX nor was there record of the covid relief program being offered. I sent her a bank statement showing her that payment was made and sent my job letter. She agreed to honor the deferment and told me it would be updated by XX/XX/XXXX. It has not been updated nor was my covid relief offer acknowledge. As of XX/XX/2020, I have called multiple times about this issue still not being resolved and I am unable to speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. WELLS FARGO is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to WELLS FARGO but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( WELLS FARGO XXXX, XXXX XXXX  XXXX XXXX )
Product: Payday loan, title loan, or personal loan

The MoneyLion Paid Off letter ( attached ) states the final payment, {$33.00}, was received by MoneyLion on XX/XX/XXXX. It clearly states the loan was paid in full. At this time, MoneyLion is reporting a {$200.00} Charge Off. 

The amount and the final payment was coordinated with a MoneyLion agent by phone. I also phoned MoneyLion to coordinate the balance of the Credit Reserve account, {$700.00}, moving to my XXXX XXXX XXXX account ( XXXX received XXXX ) and close out the account. 

There was no account activity or communication from MoneyLion since XXXX. In XX/XX/XXXX XXXX and XXXX received information from MoneyLion stating I was past due and had a balance of {$200.00}. The result of the misinformation provided was a XXXX point drop in credit scoring. 

I tried to clear any miscommunication with MoneyLion on XX/XX/XXXX. The credit report no longer has a past due impact but the {$200.00} balance remained and moved to a Charge Off. How?? The letter MoneyLions customer service provided states paid in full. 

Since this discovery on my credit report, I have phoned MoneyLions customer service at each step ( Dispute Tickets : XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). Each time agents have reviewed my account and found no remaining balance ; not past due or any other requirement. Each customer service call ends with them asking me to wait patiently for the Dispute Center to respond and both times they respond saying they find no issue with their reporting. 

Sincerely, XXXX XXXX
Product: Debt collection

Acct # : XXXX that ended in an eviction filed XX/XX/XXXX due to IDENTITY THEFT. Original Creditor XXXX XXXX has allowed Columbia Debt recovery LLC ( dba Genesis Management ) to report a 'identity theft ' debt to all 3 credit reporting agencies even though this is a serious violation of the FCRA Section 605 ( B ). This fraudulent account was established in XXXX XXXX. A police report and an FTC report were both filed in XXXX, please see attached document. This account fraudulently associated with XXXX XXXX needs to be squashed immediately!
Product: Credit reporting or other personal consumer reports

I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and Mr. Cooper/Nationstar mortgage. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid Mr. Cooper/Nationstar the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.
Product: Mortgage

To whom it may concern, The file was originally submitted to Shellpoint mortgage back on XX/XX/XXXX and deemed complete and with underwriting pending a decision as of XX/XX/XXXX. The 10 day delay was due to waiting on the appraisal of the home ordered by the servicer. On XX/XX/XXXX the file was denied due to debt to income ratio but per my conversation with the assigned SPOC on the file XXXX XXXX the denial was so vague we submitted an escalation of the file to someone higher to get more information from the investor. We did not receive a response from the investor until XX/XX/XXXX in which they stated the following. The servicer used limited expenses not all of them were used in the review and the payment would have increased to XXXX a month if it was approved but it was denied due to NPV not income or DTI and stated they declined it after they looked at the fact there was a small amount of equity and also the amount of delinquency and the length of the delinquency. We requested at this time a payoff on XX/XX/XXXX and one was ordered because there was also a huge discrepancy in the amount owed by the client and per the SPOC they were charging the client future interest at the time of default. We did not receive the payoff until XX/XX/XXXX and once we were in possession of this document we requested a copy of the mortgage note XX/XX/XXXX as well to confirm the investor was allowed per that agreement to charge interest on the loan the way they were and not the way it was agreed upon. We did not receive the note until XX/XX/XXXX and after reading the note it is evident that they are not adhering to the terms of the loan according and secondly per CFPB guidelines everyone is entitled to one modification for the life of the loan. WE have more than one mortgage statement which reflects different balances as the default amounts are significantly different and also brought this to the attention of the servicer the balances needed to be fixed immediately as this would drastically effect the outcome of any modifications that could be offered at this time. There has been nothing but constant delays and handling of this file from the very beginning
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

EXPERIAN continues to violate my as a federally protected consumer. This is my second complaint about this matter. I was denied for XXXX credit cards I applied for because EXPERIAN furnished accounts with high credit utilization on my credit report without my written instruction to do so. Pursuant to the FCRA, 15 USC 1681, credit reporting agencies ASSUME the role of reporting. Their assumption has caused me to XXXX denials of my own credit further causing me much mental, emotional and financial distress.
Product: Debt collection

I was a tenant at XXXX XXXX XXXX from XXXX. However, due to the CARES Act limits on evictions and fees for not being able to make your rent payment, and being unemployed, I do not understand why do I still owe the collector a different amount every month. Account name : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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: Bank account or service

I recieved a letter from HSBC bank in the beginning of XXXX regarding dormancy on my online savings account. I called a representative at the bank who informed me my account was locked and I needed this letter/form notarized and returned to them to re-open the account. I requested that once my account was re-opened I wanted to close it and the sum of the account sent to me in a check. The representative said to just note this on the notarized form and a check would be mailed to me. I sent this notarized form along with my written request to then close the account and mail the check to me on XXXX XXXX. Several weeks later, I did not recieve a check so I called again in the middle of XXXX at which time I was told my address on the account was listed as an old address ( I argued that this could n't be the case as I received correspondence - including the dormancy letter to my current address ). Nontheless, my address was changed over the phone and I was told I would receive a check. 2 weeks later, I still had not received a check. I therefore called on Thursday XXXX/XXXX/15 and spoke to a representative then supervisor. The supervisor told me he was going to review the previous calls as they had been misleading and that a check would be XXXX overnighted to me on Friday XXXX and that I would recieve it no later than Tuesday XXXX. On Tuesday late afternoon, I had still not received a check so I called again. I spoke to a representative who told me my account was listed as " pending closure '' which meant a check was on it 's way. I asked to speak with a manager, she told me all the managers were in a meeting and requested I call back after XXXX. This was unacceptable to me so she got a manager out of the " meeting ''. The manager ensured that a check was on it 's way. I asked her to give me the XXXX tracking number, it was XXXX and she said the department that handles that closes at XXXX so they were gone. When I informed her it was not yet XXXX, she put me on hold but said she could n't get anyone. She told me the manager I spoke to on Thursday XXXX would be in tomorrow, XXXX and could get than info and call me with the tracking number. She verified my phone number and said he would call at XXXX on XXXX ( today ). No one called, so I calld today ( XXXX ) at XXXX. I explained that the manager was to call me and was told that that particular manager was n't working until XXXX today! I asked for the XXXX tracking number but am now told a new check was sent out yesterday via standard mail. I requested that a new XXXX get sent out via XXXX so it could be tracked but am told this can not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number?

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1800.00} MORE DETAILS XXXX ( Installment ) More Details XXXX TransUnion XXXX Closed Date XXXX XXXX, 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$2300.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments Unpaid balance charged off