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. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, and Account XXXX : XXXX has violated my XXXX. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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: Mortgage

I applied for a refinance on XX/XX/XXXX, at which time I authorized TD Bank to run a credit check. After multiple missed deadlines on their part, they decided to run another credit check on XX/XX/XXXX without my consent. I've emailed them multiple times asking for proof of my authorization and for them to remove the hard inquiry if they're unable to provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report. This is my attempt to resolve this issue, and I am deeply frustrated with the lack of response and resolution from your agency. These accounts are inaccurately reported as late and charged off. I have made multiple attempts to resolve this matter, including providing documentation and evidence that these accounts were closed in good standing and should not be listed as late or charged off. I am requesting that these inaccurate entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. These are the following accounts that are needs to be removed : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. 
This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been chargedoff or placed for collection. Please delete this account immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. 
That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and I noticed numerous inaccuracies on my credit report I noticed that i have numerous inaccurate accounts and inquires on my credit report I am filing this in good faith that the credit reporting agencies will remove all inaccurate accounts and inquiries
Product: Debt collection

The aforementioned credit collections agency National Credit Systems INC. representing XXXX XXXX apartments has violated the FCRA by not providing documents to me in regards to this debt. ( account number is XXXX in the amount of XXXX ) I am unaware of this debt, I have asked for validation of the debt owed as well as validation of contract and to no avail has the company provided me the necessary information requested in the allotted time. My first initial request for this information was XX/XX/XXXX never received anything pertaining to this debt. this account remained unverified and then on XX/XX/XXXXthe debt was removed from my account. However, upon checking my credit report XX/XX/XXXX I saw that said collection agency had placed collection account back on my credit report without proper notification of doing so I was completely unaware. By law they were to notify me within 5days which they did not! 15 U.S code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion or, if authorized by consumer for that purpose, by any other means available to agency.
Again, I reached out to said agency requesting information again and advising them that they were in violation of FCRA on XX/XX/XXXXXX/XX/XXXX the agency then removed the debt from my credit reports, but again without proper notice the account was then reinserted. I filed a complaint with the BBB onXX/XX/XXXX because of this violation ( case # XXXX ) and the company responded back that the account was not able to be located however said account is reflecting on all three credit reports. This account is unverified and immediately needs to be deleted from all credit filesXXXX, XXXX and XXXX.
The business is require to disclose to me all of the documents that they recorded and retained in their files that pertains to this " Debt '' and they failed to do so in the allotted time, National credit System has violated FCRA in more than one way and needs to retract this from my credit file immediately!! Thank you.
Product: Mortgage

Our Clients XXXX XXXX and XXXX XXXX applied for a Loan modification through PNC Mortgage. They were denied all Loan Modification Products and we were informed that they had no right to appeal their decision. We ran a REST report which clearly indicates that they do qualify for HAMP Tier 2 and the NPV is positive. We filed an appeal to their decision to review the Loan Modification again. When we called PNC to check on the progress of the Appeal, we were informed by the Relationship Manager that the file was not in review at all and they did not intend to do anything at all except move forward with Foreclosure. Under the guidelines and laws that apply to HAMP we completely ignored. The clients have NEVER received a loan Modification in the past.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies on my credit report to XXXX, XXXX and experian and they all failed to move forward with my dispute.
Product: Mortgage

I believe there are significant violations of my rights as a borrower that warrant further investigation. 

On XX/XX/year>, at XXXX PM, we submitted a Request for Mortgage Assistance ( XXXX ). The following business day, I received an email on XX/XX/year>, at XXXX PM, confirming the receipt of my XXXX. However, this email, along with the linked Document Receipt Acknowledgement, did not indicate any missing information, errors, or deadlines necessary for completing my application. 

Less than 24 hours later, on XX/XX/year>, at XXXX PM, I received another email with a link to a letter titled " Assistance Ineligibility Notice. '' This correspondence stated that my account was ineligible for one or more resolution options. Again, this notice failed to inform me of any missing information, errors, or deadlines, nor did it provide details regarding my right to appeal this decision. 

I believe these actions may violate the XXXX XXXXXXXX XXXX of Rights, specifically Civil Codes sections XXXX, XXXX, XXXX, and XXXX, which are designed to protect homeowners during the assistance process. 

To resolve this matter, I propose a forbearance agreement that allows me to maintain my current monthly payment of {$2100.00}, plus an impound amount of {$1500.00}, for a total of {$3600.00}. I request that any past due amounts be added to the loan balance as a balloon payment due after XXXX years. 

I appreciate your attention to this serious matter and hope that my concerns will be addressed promptly. Thank you for your ongoing commitment to consumer protection.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, EQUIFAX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet XXXX continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA XXXX XXXX COMPLIANCE And reporting violations.

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report ;
Product: Student loan

XXXX XXXX has claimed private loans were sold to XXXX, then XXXX refuses to deal with me, as they were sold off to Forster and Garbus collections in NY State. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the XXXX settlement, a private student loan must have been originated between XXXX and XXXX by XXXX XXXX ( XXXX XXXX ) and must have been charged off by XXXX as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a XXXX  score below XXXX and attended a for-profit school or below 640 and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # XXXX. 
The loan originated under XXXX XXXX opportunity or Recourse program. 

I did have a XXXX score under the 640 and attended a non-profit school within the time frame of these loans being offered. Forster and Garbus, through XXXX XXXX and XXXX, is still collecting on these even though this took effect over a year ago! In other words, XXXX and XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.
Product: Debt collection

Bank of America says I have " residual interest due '' even though I paid the account on time, by the due date, in full. How is that possible? Although the amount is nominal, it is the principal. How can the " balance '' NOT BE THE BALANCE DUE???? When I questioned why I had a balance, I was told by the rep that it was " residual interest ''. I paid the amount because I don't want my credit to be destroyed over this amount. I want BOA censured or whatever it takes for them to stop ripping off the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Spring oaks capital sent a notification to the credit bureau that the debt was disputed by consumer and verified. It's a valid debt. However they reported this without verifying the debt with me. Ive never heard of them before and have no reason to believe I owe them any money. 

They didn't send me anything to show they have a right to collect on this debt including transfer of ownership nor proof that they can collect in Utah as I requested. 

Also they were supposed to send me a letter outlining their process if a debt is verified. How payments are handled and then whether reporting continues, etc. They called me 3 separate times complaining I hadn't responded however I never received anything from them at all. The third call I gave a different email in case that was the issue. I had checked my spam but nothing from them at all. When I gave other email I was told their supervisor probably wouldn't want to put any more effort into trying to " help me '' but they'd see. 

Next thing they report the information that it was disputed etc as mentioned above. However never followed through number one with the information requested about their company 's practices as promised. But also never even verified the debt in the first place. They continue to call me several times a week and still are reporting to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report

. I listed the account s and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

I have prepared my file of over 300 emails documenting all of the ways in which eMortgages conduct violates State and Federal lending laws including but not limited to : mishandled and losing my sensitive personal information continuously over a 6 month period ; improperly, inaccurately, and negligently directing us not to make our mortgage payment resulting in a detrimental mark on our credit report ; improperly transferring our property insurance leaving my lender uninsured for over two months ; knowingly providing incomplete and inaccurate information on our refinance application and closing documents even after I informed them that the information was not correct ; making misrepresentations and false statements about eMortgage practices and required documents ; continuously delayed processing the refinance resulting in the expiration of documents and requiring updated documents on multiple occasions ; requiring documents that had previously been provided 2, 3 and 4 times prior ; and failing to expeditiously pursue and secure refinancing in good faith and in our best interest. I also believe that eMortgage engaged in racial bias as eMortgage initially approved the refinance loan, indicating on the refinance application that my husband and I were XX/XX/XXXX. I informed eMortgae that my husband is XXXX XXXX and that I am Native XXXX and XXXX and after that, the above described conduct began.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian are refusing to remove fraud accounts and information off of my report after providing police reports and FTC reports.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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

I received approval from Best Buy for a {$1000.00} credit card. I purchased an XXXX XXXX  with a credit card for about {$670.00} and received an additional {$150.00} warranty with it. After a few days, I realized Best Buy had given me a defective laptop that was likely used by someone else. I tried to have it fixed under warranty, but they said they couldn't fix it. 

I tried to get a refund for a defective device I had received, but they wouldn't give it to me. Later, Best Buy increased my credit card limit to {$2000.00} without my permission even though I had only agreed to a {$1000.00} credit limit, charged me an additional {$1600.00} in interest, and sold my debt to a debt collector. I'm not sure who the debt collectors are right now, but each time I tried to call Best Buy to resolve the issue, they were unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE