23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not charge off, I have made consistent payments and have not been late for this loan
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Mortgage

I applied for a mortgage to refinance my home. The process started on XX/XX/2020 when the loan official at Popular XXXX XXXX XXXX first check my credit after I signed an authorization. After an ardous process which included sending all required documentation the loan was denied on XXXX XX/XX/2020, based on information that I provided the Bank on XX/XX/2020. The information had to do with a payment moratorium provided by Popular XXXX based on the CARES ACT. However, the mortgage I was seeking to refinance is not in forebearance. The payments are up to date. The moratorium is on another property that is under-contract and about to close. Popular XXXX assured me in writing that following the CARES ACT they were not going to affect my credit nor report the moratorium to any credit agency. Nonetheless, the letter entitled " Disclosure of Specific Reasons Regarding Denial of Credit Application '' received on XXXX XX/XX/2020 states that the reason for the denial is " Mortgage account in forbearance-Not allowed by XXXX ''. This must mean that Popular XXXX reported to a credit agency ( XXXX XXXX ) the moratorium thus affecting my credit. My credit score is over 800 and my income to debt ratio is solid. After months of sending the same documents over and over ; it's not just for Popular XXXX to deny me credit based on an information that was not supposed to affect my credit according to the CARES ACT. Moreover, the only way this information could have ended on a credit agency is if Popular XXXX divulge it, since they are the loan owners and they were the ones that offered the moratorium as well as the extension. Popular XXXX knew I had another loan on moratorium ( not the one I was seeking to refinance ), not only because they offered it, but also because they asked for evidence about it and I sent it on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were to be removed after 2 years yet they are still reporting. Please remove the following inquiries immediately : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1. A debt vaildation letter was sent out initially to verify the debt on XX/XX/XXXX to Levy Law Firm from XXXX XXXX the consumer to prove debt owed to this party. 

2. The final debt validation was sent out XXXX XXXX, XXXX to Levy Law Firm. No response to prove that XXXX XXXX is the owner of this debt. 

3. Judgement dismissed case without prejudice rewarded to defendant XXXX XXXX for XXXX in debt on XXXX, XXXX XXXX XXXX. Affidavit sent out to Levy Law Firm the owner and operator ( XXXX XXXX ) ( XX/XX/XXXX ) for violations and improper debt validations practices. XXXX Notice, Register mail number XXXX  XXXX XXXX XXXX XXXX XXXX. Contacted the " original creditor '' via phone XXXX XXXX Fraud Department and was told that this negative impact would be removed within 10 days. Spoken with XXXX ID # XXXX. Nothing was removed and outside the days of removal. 

6. Credit is still been damaged by " creditors '' Levy Law Firm on XX/XX/XXXX, affecting credit and FICO score reported by XXXX  , XXXX  and XXXX  . 

7. Letter sent out to the Secretary of State and Attorney General for violation of FDCPA 15 USC -1692. Waiting on a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged off account ending # XXXX XXXX XXXX XXXX Charge-off. Write off of a debt and termination of servicing activity without release of liability. Internal Revenue Code states charge offs are reported as income to the principle, and is a cancellation of debt. This account is reporting as a debt when the debt has been written off. 

15 USC 1681 " 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 '' XXXX and EXPERIAN have not complied with the opt out requests. 

12 CFR 1016.7 " A consumer may exercise the right to opt out at any time '' I have requested from XXXX and EXPERIAN and XXXX to opt out of that reporting nor was I given the proper disclosures to opt out. They are violating my rights by denial of opt out and non disclosure of opt out. 

XXXX the financial institution and XXXX and EXPERIAN, any and all consent, whethere non-verbal or verbal, written or implied or otherwise is revoked.
Product: Credit reporting

I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 three 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 XXXX 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 im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  XXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX .... Balance : {$2100.00} ; XXXX XXXX XXXX .... Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX A XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I was contacted by a collections agency claiming to have purchased debts from XXXX, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX+. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX+ of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX+. The company is called Coastal Settlement Recovery or CSR for short, phone number XXXX Email address : secure@coastalsettlementrecovery.com coastalsettlementrecovery.com
Product: Mortgage

WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.
Product: Mortgage

Nationstar MortgageMonday, XXXX XXXX, XX/XX/2015nationstar IS NOT APPLYING MY PRINCIPAL PAYMENTS TO PRINCIPAL THEY ARE APPLYING IT TO FEES. i paid an additional {$20.00} to the principal and as you can see from the records below but when i login to my nationstar mortgage account they have the {$20.00} applied to FEES. they do n't say what kind of FEES it just says {$20.00} fees principal paid {$0.00}. 

why did XXXX allow me to get stuck having nationstar mortgage get my home loan from XXXX home loans??? 

Thank you for making a payment at MyNationstar.com! 

Below are your payment details : From Account : XXXX Bank and XXXX XXXX Account : Loan Number XXXXPayment Date : Monday XXXX XXXX, XX/XX/2015Payment Amount : $ XXXX Fee : $ 0.00Additional Escrow : $ 0.00Additional Principal : $ XXXX Amount : $ XXXX Payment : $ XXXX confirmation number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by XXXX XXXX back on XX/XX/XXXX ( unbeknownst to me ) by XXXX XXXX XXXX  with all ( 3 ) credit bureaus. I emailed the mortgage company contact back on XX/XX/XXXX to get the inquiry removed. We've gone back and forth about the issue, but the contact at the mortgage company advised that he would request for the hard pull to be removed with all ( 3 ) credit bureaus. I don't know if it has been him dragging his feet or if it is indeed XXXX XXXX giving him the run around. In our most recent email correspondence ( dated XXXX XXXX ), he forwarded me an email from Equifax stating that they have been back up but it typically takes 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( XXXX ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( XXXX ). 

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( XXXX ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 

Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Ive already submitted an Identity theft report to the FTC )
Product: Debt collection

I reached out on XXXX about a payment that I had on XX/XX/XXXX and XX/XX/XXXX. I was going through a hardship and I had asked to move my payments to XX/XX/XXXX and XX/XX/XXXX. I made the third payment on XX/XX/XXXX. My final payment is XX/XX/XXXX. At XXXXXXXX XXXX I received an email from possible loan telling me that my account is 40 days past due and that I have one payment remaining. And that I am at risk of a charge off. The final payment I have is scheduled for XX/XX/XXXX of {$85.00}. I am on a fixed income, barely making it and already Possible is threatening to send me to collections. When I have been a repeat customer since 2021. I would like the communications and emails to cease-and- desist. My final payment is already scheduled for the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law Firm is misrepresenting their outbound customer service as being " paralegals ''. They are not! When I asked on 3 different occasions to be connected with a US licensed paralegal, I am being told that all calls are rerouted to the call centers located outside of the US. 
I did ask to the last customer service representative her name is " XXXX '' if she was a paralegal, she said yes. I asked her if she was licensed in the US she said no. Then I asked to be connected to a US paralegal, she then told me to hang up and try calling again but that all calls are rerouted. 
I have several issues on my case I need to discuss and for this, I need a trained and licensed paralegal and not an impersonator. 
I have been with that company for over 13 years and paying {$49.00} / month. Things never seem to move fast enough. My credit has improved by my own doing. All they have done is send generic letters to the credit bureaus without specific or personalized explanations. When I pointed out some issues which should not be there and require a personalize intervention, they turned me down. This company charges you a subscription for " credit repair '' services. All they provide you with is print and mail letters you can probably do on your own. Unfortunately, when you are as vulnerable as I was 13 years ago, trusted them when they told me that the process would take no longer than 1 year, it has been 13 years! How much longer does it take to correct the same problem?
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Listed as a late payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Listed as a late payment )
Product: Mortgage

Our title company ordered a payoff on XX/XX/2019. We closed on our home on XX/XX/2019. The title company called because Roundpoint did not give clear wiring instructions on their payoff statement. Roundpoint Mortgage would not give them wire instructions without us calling to give authorization. The title company has been waiting for them to give proper wire instructions and they are not releasing that information causing a delay in receiving the payoff for our mortgage.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I became aware that my personal information was impacted the XXXX XXXX XXXX. I noticed unrecognizable accounts on my credit report with XXXX, XXXX and Experian. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. Department of Education XXXX. Department of Education XX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX