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

XXXX XXXX XXXX ( XXXX as it shows on my credit report ) is not properly reporting my account to Transunion the same as it is reporting the account to Equifax  and XXXX. Recently reached out XX/XX/XXXX to both XXXX  & XXXX to understand why my account is shown as a negative closed account while Equifax and XXXX  are shown as a positive paid account. Neither party wants to take ownership and/or attempt to correct the issue. 

Have been disputing negative items on my account using XXXX beginning around XX/XX/XXXX & with clear instructions to have these negative items removed the credit bureaus ( XXXX, Equifax & XXXX  ) have yet to remove these items and are not following the law based on the Fair Credit Reporting Act which states information on my credit report must be reported 100 % equally across all three bureaus. There are clear inaccuracies with these accounts such as different balances being reported & account numbers not matching, and they have yet to remove them. I am on my 5th set of dispute letters with them & either : A. ) the accounts arent being removed based on the FCRA and/or B. ) remarks are being removed then placed back on my account with little to no proof that the information is accurate. I am highly disappointed with how the credit bureaus have been handling these disputes & demand they abide by the FCRA to resolve this issue.
Product: Debt collection

To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. 

This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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: Student loan

I had two loans with Great Lakes, one XXXX Plus and one private. In 2013, the  co-signer of the private loan paid off their balance and I was left with a balance of {$9000.00}. Great Lakes wiped the {$9000.00} off my account and I was only left with the XXXX Plus loan. <P/>In XXXX, I applied for a consolidation loan of all my federal loans and chose GL as the provider. They added on the old {$9000.00} from the PRIVATE loan to my consolidation loans and did n't tell me. Repeated attempts to find out why they added {$9000.00} to my federal consolidation loans have gone unanswered. <P/>This is a criminal act and needs to be looked into.
Product: Credit reporting or other personal consumer reports

My information was part of the XXXX XXXX XXXX. I have attached proof for your records. Please remove accounts immediately. My name is XXXX XXXX and this is not a third party filing this complaint.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

In XXXX 2017 Equifax was hiding the fact that the company data was hacked. My information was included in that hack. I was receiving their membership services advertised as protection against identity theft when my information was stolen in the hack. I was paying {$19.00} per month on or around the XXXX day of each month via direct debit. After I switched services to their free offering that they began offering after the hack, I continued to be billed. I contacted the company who refused to give me a refund even though I had been a victim of the hack, and also had enrolled in the free service which should have stopped me from being billed any further.
Product: Credit card

CapitalOne requested information from me ( letter attached ).

I provided the information they requested ( 2 documents attached ). The information I provided exactly matches what they requested ( i.e. a bank statement and a government i.d . ).

CapitalOne informed me they are closing my account because I did not supply the requested information. This assertion is incorrect. They are squeezing me out of the financial system and have not provided any reason for doing so and have not accepted the documents they requested and I sent them, to avoid closing my account.
Product: Debt collection

On XX/XX/21 I disputed with XXXX  the Simon Agency Inc collection. I told XXXX  bureau that this collection violates my privacy and should be removed off my credit report. Also I told them they were open to Litigation if not removed. They still havent removed this collection off my report. XXXX  bureaus does not have this collection on my report. I spoke to the XXXX  bureau and they are removing it from their report. I decided to take matters into CFPB hands
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : -Ally Financial on XX/XX/XXXX -Ally Financial on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. According to Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. Since it has been 50 days they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX Balance : {$14000.00}
Product: Checking or savings account

I had deposited a 3rd party check on XX/XX/XXXX or XXXX. I came in the branch with my friend, his dad passed away and left him some money. The teller told both of us to sign the back and the funds would be available in 10 days or so. So now 10 days later my funds were available but they put a hold on it because they needed to verify the name on the check. No problem. I gave them his number they say its coming up as someone else number. We then called XXXX told them chase said to make the number public so they can call and verify. We did that and XXXX said its public there is nothing wrong with the number. And they dont know why its coming up in someone else name. But the phone number is in his name. I been calling every week since XXXX same thing. So I started calling every 30 days same thing. I email the XXXX XXXX and Im running out of options. My acc was close I couldnt get paid from my job because they send out checks late. All my bill are still backed up due to my account closing. 
They have informed me to keep calling and I keep calling and they keep saying the number is good but its coming up in another person name. 

Im tried and frustrated and I need to know why? It has to be another way to verify him and I need my money asap. I keep calling and calling and they keep telling me the same thing. Im losing my mind.
Product: Checking or savings account

My husband and I have had a joint account at Bank of America for several years. He died on XX/XX/2023. According to my attorney, I was told not to touch our accounts until 2 months after his death. On XX/XX/2023 Bank of America removed my husband 's name from our account and cancelled my access to any online banking. That meant that the bank removed all accounts from bill pay and canceled any payments I had scheduled. I have had to pay a late fee on one of these accounts. They also closed my XXXX account. This was done without any communication sent except an email on XX/XX/2023. I immediately called them and set up an online account. It was when I went to pay a pay that I discovered all my bill pay, auto pay and XXXX acounts were removed. I called BOA again to complain. I was told that as my husband had set up the accounts and even though it is a joint account, they had every right to close them. 
I asked exactly how I was to set up these accounts when I had absolutely no record of them and was told that I had a case estate case manager, XXXX XXXX. Why XXXX XXXX who was my case manger never contacted me, I will never know. After speaking with a representative, I was told that BOA did have those accounts, but that I would have to wait 48 hours before they would be restored. 
They were eventually restored, but I have no record of any last payments on these accounts and have had to search through bank statements to make sure bills were paid. I also had to set up a new XXXX account even though I already had one. Today, XX/XX/2023 I discovered that my bills are being paid through my savings account rather than my checking account. When I tried to change this, I was not able to. So once again I am going to have to call Bank of America. 
I will close my accounts with Bank of America as soon as possible. This was an absolutely unnecessary fiasco that could have easily been handled by a call from my supposed estate manager.
Product: Debt collection

This is a fraud collection this is not me delete this of my credit report now!!
Product: Debt collection

On XX/XX/2018, I received a letter from Penn Credit Corporation informing me that they were attempting to collect a debt from the City of XXXX for an unpaid parking citation. The letter itself provided a violation description, tag number, violation date, citation number and balance. 

Upon calling Penn Credit I was informed that there were two parking citations referred to them by XXXX XXXX. I do not ever recall receiving a parking ticket on from XXXX XXXX that went unpaid. Additionally, I never received from XXXX XXXX any notification that these tickets were unpaid and subject to be referred to debt collection. 

On XX/XX/2018, I called Penn Credit to dispute these debts. Without information regarding where the ticket was given, the reason for the ticket, and proof of a violation, I do not see this as a valid debt.

When I told the Penn Credit representative this information, she told me that a simple list of the reason for the debt sent to me was enough proof to make it a valid debt. I do not believe this is a fair practice or even a legal one for that matter.
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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX
Product: Debt collection

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Type : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXX Account Type : Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) TransUnion Account # : XXXX TransUnion and XXXX has not been able to verify this debt. This debt displays inconsistent and inaccurate information that is reported. Based on FCRA this is illegal and needs to be removed immediately. If not I will proceed with legal actions and will be compensated for the wrong doings of the credit bureaus.
Product: Mortgage

I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX  XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX XXXX COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} - XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$19000.00}
Product: Mortgage

I have made repeated requests to Flagstar bank that they conduct all communications electronically. 

Although I have asked that they not call me and that they contact me only by email, Flagstar bank continues to call my phone. 

Although I have signed up for all communication to be electronic ( i.e. via email ), the bank has not emailed me a single mortgage bill since we got our loan in XX/XX/year>. 

Flagstar bank submitted NO request that I provide updated proof of home owner 's insurance, but they did send USPS mail to my home advising me that plan to purchase hazard insurance on my property. 

Flagstar routinely ignores my request to contact me electronically and threatens me with the forced purchase hazard insurance.

If Flagstar bank would simply comply with their own policies, to contact customers per their preferred contact method ( electronic communication for me ), they could advise me by email that they want a copy of my updated insurance information.

Instead of contacting me via my preferred method of contact, Flagstar has mailed me threats that they will purchase forced place insurance that I must pay for.
Product: Consumer Loan

Ditech will not provide original documents or loan modification documents even though I 've asked for them. The loan has been paid off ( overpaid ). The account was current in XXXX 2016 when I requested this information. 
While researching Ditech notified me that they were ceasing collection activity and did not send me a billing statement for XXXX. They deferred the XXXX and XXXX payments ; however, in the XXXX billing statement, they indicated that I was 2 months past due.
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 Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil Code 337 regarding statute of limitations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXX and closed in XX/XX/XXXX, making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, XXXX XXXX XXXX XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.
Product: Mortgage

When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. We got the Dwelling Tax bill on XX/XX/XXXX. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/XXXX, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/XXXX due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill. On XX/XX/XXXX, XXXX rec 'd a call from someone at AmeriHome telling me that my taxes were paid. On XX/XX/XXXX I rec 'd another bill from our county tax office stating the bill was not paid, the bill is now {$5600.00} and that the county is in the process of placing a lien on my home because AmeriHome has not paid the taxes. I contacted AmeriHome on XX/XX/XXXX and spoke with XXXX who indicated that on XX/XX/XXXX ( see the date changes ) AmeriHome sent a wire transfer to XXXX to pay my taxes via check. The tax bill rec 'd on XX/XX/XXXX states that AmeriHome only paid {$410.00}. I'm now delinquent and owe {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX will not investigate unauthorized inquiries on my report Equifax stated that they will not investigate inquiries due to it is not their problem according to FCRA anything wrong with consumer credit report must be investigated.