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

This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX  # XXXX 4.XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.XXXX XXXX XXXX # XXXX
Product: Debt collection

On XX/XX/2023 I called XXXX XXXX XXXX XXXX to settle on the debt they brought from Avant Credit Card Company. I asked agent XXXX about the XXXX XXXX settlement offer that Avant sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was XXXX XXXX off in XXXX payment or XXXX XXXX off on XXXX payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.
Product: Checking or savings account

I have been disputing with Bank America XXXX and XXXX XXXX XXXX for a few months going back and forth asking for them to Validate and Verify this alleged account with a debt that is appearing on their credit reports. 

Neither one of these companies has not acknowledged my request, to validate or verify this account. They have only sent letters back stating this account has been verified and they stand by their first decision. 

I have also filed an ftc report at the beginning of XX/XX/year> XXXX
Product: Mortgage

I have been in a forbearance plan with the mortgage holder for at least a year, due to hardships caused by the pandemic. The mortgage holder switched to a new mortgage holder ( Amerihome Mortgage ) and the problems began. The new mortgage holder took several months to process my documents. The documents were provided several times via email and fax ( with confirmation ), although the mortgage holder continued to insist that documents were still missing. I filed a claim with the XXXX and only then was I contacted by a representative and submitted my documents directly through the representative. 

I attempted to apply for a loan modification and was denied with no valid reason, aside from I did not qualify for mortgage modification. I appealed the decision and was denied a second time. There is no reason why I should not have been approved for mortgage relief or modification, due to COVID-19. All the required documents were submitted. This company has been nothing but dishonest and fraudulent the moment they took over the mortgage loan from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

item is reporting wrong and not paid in full EMBASSY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account # XXXX and never issued my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the " duplicate hard inquiry request '', thats what " XXXX XXXX XXXX '' told me to say in this report that it was done in error. They said they dont know how or why that is showing that they only requested XXXX time on " XX/XX/2022. I know nothing about this new inquiry qt all. 

As i will provide documentation of the duplicate inquiries. I also froze my accounts and reported to the XXXX  for further security measures. Thank you so much. 

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi so. I bank with chase bank my bank was closed as i dont know how wht happen however last night this XXXX @ around XXXX thts XXXX XXXX i recived XXXX & eveythng was wiorking good i made a paymnt of XXXX $ & then i fell asleep i getup @ XXXX i see my account was closed i was worried abt my money in the account bcoz my money is more important than that bank account that money was for my mother medications that i was suppose to get today for her. Moreover i went to the branch & i explained my situation as the money is reflected in my account & i can even login & see but i cant make a payment or withraw after they close my account & they told me wait for the process & give atleaset 10 days for that. Wht is really inconvenience as that was my last money my rent my bills its alot to deal with rightnow as i am treated a different way that made me feel that i dont have a right to my own money
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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. Account needs to be removed from report.
Product: Credit reporting or other personal consumer reports

I have mailed this to XXXX XXXX XXXX and now I am telling CFPB. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX ( here in called XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and TransUnion never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a round of letters to each credit reporting agency XXXX Equifax, XXXX  and XXXX  XXXX requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.
Product: Debt collection

I am submitting this complaint against Credit Control LLC for knowingly and unlawfully reporting a debt that is not mine, despite clear evidence and multiple forms of identity verification proving otherwise. 

The alleged debt was originally owned by XXXX XXXX XXXX, who conducted an investigation and determined that the account was reported in error. It was connected to XXXX XXXX, not XXXX XXXX which is my legal name. As a result, XXXX removed the item from my credit reports with XXXX XXXX XXXX XXXXI have worked with all three credit bureaus to correct my profile and verify my identity. All three have confirmed the issue was resolved, and that I am not responsible for this debt. Yet Credit Control LLC, after acquiring the account from XXXX, re-reported the same invalid debt to the bureaus knowing full well that it was previously found to be inaccurate and removed. 

This is not only negligent it appears to be a willful and spiteful act, carried out despite having no legal basis to pursue the debt against me. 

To make matters worse, I formally requested validation of the debt, including : The original billing statement from the creditor, The original account letter, and Any identification or documents they used to conclude I was the responsible party. 

To date, they have failed or refused to provide any of this documentation. 

Their actions are in clear violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information they know or should know is inaccurate ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Failing to correct or update false information after discovery ; 15 U.S.C. 1681s-2 ( b ) : Failing to properly investigate a dispute after notification ; 15 U.S.C. 1681e ( b ) : Failing to use reasonable procedures to ensure accuracy.
Product: Debt collection

On XX/XX/year>, a debt collector had sent a text message to a person outside of my household in order to settle a debt collection from a credit card. The photo of the text sent to another person is attached. The company is XXXX XXXX. The text message outlined that they are contacting me regarding my XXXXXXXX XXXX XXXX  Account. It also prompted a link to login and view the debt and make payment arrangements. There was no sought confirmation that it was being sent to the right person and there should be no outline of what company the debt is owed to. That is private information and goes again the FTC. I cant imagine how many other people are getting peoples debt notices and having their information thrown around
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I also answered phone attempts by XXXX XXXX during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.
Product: Credit reporting

Equifax refuses to delete a fully paid and released tax lien from my credit report even with a recorded release and evidence from the XXXX XXXX XXXX recorder with the same information that it has been paid and releases. This is completely inconsistent with the IRS XXXX XXXX XXXX, other reporting agency standards and they are not treating all tax liens consistently amongst all customers. Some people have them deleted and some do n't. All paid and released tax liens must be deleted from credit reports! I have XXXX dispute cases and have contacted them multiple times by letter and telephone and they continue to show this paid and released tax lien on my credit report, although they claim they are reflecting it correctly because it says it has been paid and released, yet they refuse to delete it entirely from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX, the company reported me as 30 days late to the credit bureaus. However, a screenshot that I took of my account on that day, it shows that I was only 17 days past due. I need the company to correct this asap as it caused my credit score to drop.
Product: Credit card or prepaid card

Discover has colluded with XXXX to defraud me of {$310.00} for an item that I returned for a full refund to XXXX on XX/XX/20. I submitted proof form XXXX that the item was signed for and delivered on XX/XX/20. I was never refunded by XXXX and Discover has continually failed to fairly and correctly rule in favor for my dispute. I submitted 10+ documents as proof that the item was returned and that XXXX never refunded me.
Product: Mortgage

This is a continuation of complaint # XXXX. The response from the prior servicer states that I was sent the modification documents but I never got them, which is why I kept calling asking for them to be sent. Each call I made, when I would make my payment, would typically end with me asking for the modification documents be sent to me. I am still waiting despite what the servicer says. I never signed for any documents, I never got any documents. I have only wanted to have this modification completed and with every payment have tried to get that to happen. I continue to do so. 

What this appears like to me is that the consumer ( me ) is being screwed here due to the terms of my modification. It makes zero sense that I would continue to call in asking for documents if I already had them. Additionally, at no time was I ever told " Oh, we sent those already ''. I just kept asking for them each month. 

I am begging that this modification be completed under the terms and conditions agreed to previously. I only want to keep my house so I have a place to live. I am currently in the process of moving back in as it is my only place to live. I beg the CFPB to help me get this resolved.
Product: Credit card

I have this card that I used for dental expenses, I make my payments on time. In XXXX my debt was {$650.00} I paid {$200.00}. I only owed {$450.00}. In XXXX I received the statement and they charged me interest for {$830.00}. So what do I owe? To XXXX they added {$830.00} and they told me it was accrued interest. If I have paid on time and I have paid more than the minimum payment, how is it that I have accumulated that amount of interest? It's a scam.
Product: Mortgage

I was in communication with Home Financing Center, Inc. loan servicer for XXXX XXXX XXXX XXXX XXXX regarding a refinance on an existing mortgage I have with XXXX XXXX XXXX. While maintaining communication with XXXX I strongly emphasized not to get my credit pulled until I have the facts and clean numbers on paper and then finally to review. XXXX sent me numerous estimates and finally a final draft. The final draft had so many errors I was stunned and concerned. I immediately contacted him but he was unavailable at times. When I finally got through to him I mentioned all the errors and since I was already disappointed and not trusting this institution I requested to have my request for a refinance terminated. So long story short I never authorized or gave my social security to XXXX. I immediately addressed this to him and his superiors, however everyone ignored me and nothing ever got done. I filed a report through the XXXX and they responded to me " company refused to answer ''. Then I filed a complaint via XXXX, XXXX company they use to pull credit records and opened a claim advising that my credit was pulled without my authorization. On XX/XX/2016 XXXX sent me a letter stating that XXXX XXXX XXXX got verbal authorization from me to have my credit pulled. This is completely false and not true. Now I have decided to report this unethical matter further to assist me in finally getting the unauthorized inquiry removed from my credit reports and finally put closure to this matter.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no explanation for how they got there. I checked my report like I always do, but there were sudden discrepancies. Refreshing my browser didnt fix it, so its clearly not an error on my end. This situation is incredibly upsetting, and I demand an immediate review of the documents Ive submitted to resolve this once and for all.
Product: Credit reporting or other personal consumer reports

On XXXX I was alerted that loans with XXXX had been taken out under my identity. After several attempts of trying to contact XXXX I finally was able to a representative via phone on XXXX. She told me that loans associated with my SSN and name had been open XXXX -- XXXX and paid to XXXX XXXX ( telephone XXXX ). The email, address and phone associated with the account were fraudulent and not associated with me. When I told the representative, she said that she would change this in the system and update their records. When I tried to explain this was fraudulent she directed me to contact XXXX XXXX XXXX to close my XXXX and XXXX and she just updated the account on XXXX to reflect my current address. When I attempted to contact XXXX they said this isn't something they can do. I have been unable to get another representative from XXXX to contact me without making an account on their website. I have now reported to the XXXX  ( XXXX ) and the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX 3 missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX 3 missed late payments & I OWED {$20000.00} open XXXX, XXXX XXXX XXXX late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX  said I owed them {$8900.00} open XXXX They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Mortgage

On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA : XXXX. XXXX 'S letter informed me that they had assigned my mortgage to National Asset Mortgage effective XXXX XXXX, XXXX. Also that the law required them to give me such notice at least 15 days before the effective closing date. Similarly the law requires the new servicer to give me/us the same notice. XXXX said they would cease servicing my mortgage effective XXXX XXXX, XXXX and that National Asset would begin servicing my mortgage effective XXXX XXXX, XXXX. As of this writing, I have n't received such notice from National Asset Mortgage.

I first phoned National Asset Mortgage at XXXX & XXXX. on Monday XXXX XXXX, XXXX and I spoke to XXXX who gave me XXXX of Customer Service at XXXX. I called seeking verification that they were now servicing my mortgage and if so to secure a new loan number and more critically that they are in fact the new servicer of my mortgage.. They could not find me in their system and asked that I call back Friday, XXXX XXXX, XXXX. I since called back at XXXX. XXXX XXXX, XXXX, XXXX. & XXXX XXXX XXXX, XXXX and they yet ca n't find me in their system. XXXX said that my payment due XXXX XXXX, XXXX is not late until XXXX XXXX. Then on yesterday, XXXX XXXX, XXXX XXXX of National Asset Mortgage phoned me asking me about my delinquent payments. Again I told him that it is critical that I have a loan number and even more critical that I have legally required notice from National Asset Mortgage stating that they are now the servicer of my mortgage. Please help!