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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I created an account with TransferWise.com in XX/XX/XXXX to transfer some USD to DKK for a trip to The XXXX XXXX  in XXXX, XXXX.. I did not use the account after that. TransferWise.com then changed to XXXX in XX/XX/XXXX. In XX/XX/XXXX, the email address that was associated with my XXXX account was 'spam-bombed '. I could not send/receive emails for several days as a result of my email address receiving thousands of unsolicited emails. In XX/XX/XXXX, I had worked to try and 'unsubscribe ' from the hundreds of sites that I had been receiving emails from, and began trying to use my email address again. I found an email from XXXX saying that my account had been deactivated because of an outstanding debt of {$15000.00}. I searched through the tens of thousands of emails I had received and found one in XXXX that contained a PDF saying that I had tried to convert {$15000.00} of USD to PLN on XX/XX/XXXX, and XXXX, XXXX. The bank account numbers on the PDF were not mine. It's clear that someone compromised my account and changed the bank account numbers and attempted to wire/transfer currency in my name with a bank account that does not belong to me. I have tried to contact XXXX numerous times. They will not help me via email because my account has been deactivated. When I try to call, they have very short hours during the working-day, and when I do have time to call I am told that there may be a wait time of 30+ hours. They will not schedule a call-back, have no chat service, and yet I have a document claiming that they will send me to collections for what is clearly fraudulent activity.
Product: Credit reporting or other personal consumer reports

My credit information was exposed in a data breach. Everything on my credit report should be erased. Thats a violation of my consumer protection. I got a letter in the mail stating that I was part of a data breach.!!
Product: Mortgage

Data and information for the last 6 months has not been updated/accurate. We have spoken to several HUD Counselors as well as CMG Financial Agents. They said our forbearance date is in the end of XXXX! I am getting emails/letters requesting for mortgage collections. 
I have also attached a letter from XXXX that information is also incorrect with the crediting companies and still has not been followed-up or rectified. This is really ongoing frustrating issue! Please connect me with an executive case manager. 
The letter states that they have been unable to reach me which is not true, I have not recieved any phone calls at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked EQUIFAX to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They are breaking all FCRA laws and I need your help to get this bankruptcy remove and all accounts included in bankruptcy. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( TransUnion ), XX/XX/2015 ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I could not reach all XXXX of the credit bureaus, I could NOT get past the automated system to address this concern. XXXX XXXX shows a debt to collect for XXXX XXXX when in fact I do not owe them anything, I won the Judgment in court against XXXX XXXX and they owe me {$860.00}. I want this off my credit report immediately. I have attached the certified judgment in my favor against XXXX XXXX. On the XXXX of XXXX, 2025, I will petition the courts to freeze XXXX XXXX assets until they pay me. This document attached is to be sent to all XXXX credit reporting agencies and if they fail to comply and not take this off my reports, I WILL SUE ALL XXXX AGENCIES AND XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CONSUMER PORTFOLIO XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020
Product: Checking or savings account

I had fraud on my account called the bank and reported the fraud so they turn my card off. Sent me a new one now I never got a temporary credit and even if I did I had no way of spending it because I did not have a card on the XXXX I checked my account and saw that I was - {$1200.00} day tells me that oh a credit was made to your account a temporary credit for the money that was stolen out of my account, but there was never a temporary credit and they will not give me any proof to show they put it into my account. It doesnt even show on my on my online banking so now I have someone who stole my card and stole {$1200.00} and now Wells Fargo claiming that they credit me and did not and now theyre charging me {$1200.00} and XXXX. They stole my paycheck that was direct deposit, and literally making my life in shambles. They also claim to deny my claim.
Product: Mortgage

Coorrespondence was XXXX XXXX PHH CEO XXXX XXXX, for assistance regarding the payoff balance described in a XX/XX/XXXX PO notice. The current PO balance is {$450000.00}, The original balance was {$450000.00} in XXXX, There is zero credit for 15 years ( 180 mos ) of making payments. There have been missed payments due to a bankruptcy in XXXX and the reduced work ability resulting from my XXXX diagnosis with XXXX  XXXX and my earning ability is now further impacted by the COVID 19 pandemic. 

The loan was originated in XXXX, with an original principle balance of {$450000.00}, with a 30 year term at 4 % interest rate. Based on those terms, the loan would have had an amortized balance at month 132 ( XXXX - XXXX ) of XXXX, plus missed payments at the time a modification was executed in XXXX Based on the XXXX Home Affordable Modification Agreement ( HAMA ) with Ocwen Loan Servcing LLC, the then existing principle was adjusted to a new balance of XXXX. ( a ) What was the existing calculated principle balance a time of modification? ( b ) how much was added to the principle balance? Is there a payment history record from XXXX to XXXX from the original servicer, XXXX XXXX? Also, I was never provided a dated, lender/servicer signed HAMA document
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX
Product: Debt collection

I have made several attempts to collection valid information from Americollect Debt Company but the refuse to send me valid verification information and the last letter I sent in XX/XX/2019 I did not receive any response from the company. The unverified debt is listed on my credit reports and I would life it deleted as soon as possible or I will take further legal action. The company also changed the account numbers to XXXX from several other account numbers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated the Truth and Lending Act section 101 ( a ) ( 2 ) by not notifying me 45 days in advanced of credit limit decrease. They sent notification on XX/XX/XXXX XXXX XXXX  and decreased my credit limit immediately by {$4000.00} causing damages to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and  demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.
Product: Mortgage

I closed on my property on XX/XX/year>, my servicer was Select Portfolio Servicing , Inc . They assured me prior to closing they would not be disbursing the tax disbursement being the settlement company was picking up the exact amount from me at closing ( {$3000.00} ) and I would be refunded the balance in my escrow account about 4 to 6 weeks after the loan was paid off. Turns out, the tax funds of {$3000.00} was both collected from me at closing and also disbursed from SPS ( XXXX ). After several phone calls, I was instructed to call XXXX XXXX XXXX Clerks Office to verify receipt of tax payments. I was told by the clerk that they did receive two payments, the one from settlement was received first and it posted. The other one was received from XXXX ( SPS 's 3rd party servicing company ) was returned to XXXX on XXXX. I have called SPS about 10 times to remedy this situation to no avail, no assistance and no tracking of this returned check. I only received the escrow balance for the homeowners insurance but not the taxes. I have tried numerous times with no due diligence whatsoever to locate these funds. This is not only dishonorable, it's theft to a customer. SPS needs to be held accountable for not taking the proper actions to resolve this matter
Product: Debt collection

Security credit services account # XXXX have no knowledge of this account. Account is not mine. I have contacted them and XXXX and all credit Bureaus. None have contacted me back with any documentation proving the account is mine as of the fair credit act. I have asked in writing and online for proof of documents and still have not received anything. It has beem months of me going back and forth with XXXX  and other credit companies. I need this account off my credit. It has impacted my credit to have late payments and credit score is also impacted. XXXX keeps updating the account everytime i dispute it but they cant prove its mine and everytime i ask for documents proving its mine, they dont reply back with any information. I feel that this is neglegents from XXXX. The account needs to be deleted from my credit as soon as possible.
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. 

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

There is a charge of over {$1500.00} from XXXX XXXX XXXX for XXXX phones that I never ordered. I never owned one of those phones, and I'm assuming that someone used my personal info without my permission. I want something done as I shouldn't have to jump through hoops to get this fixed.
Product: Credit reporting

I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Product: Mortgage

i had received a loan from atlantic bay mortgage. in the very beginning i signed a disclosure being approved for a loan of XXXX and they also sent me a estimate a week later. all full well knowing how many houses i had and how much rent i collect on each one. so it was so posed to be only XXXX % down on an investment loan. as what the disclosures i signed showed. then came the closing and they changed it up on me with out giving me 3 days of notice and no new disclosures to sign as the new law states. i had to call to find out why i had to come up with so much more money in the very end. thats when he told me XXXX XXXX requires XXXX % down since i have so many # of houses.which changed the loan amount to XXXX. i said you never told me, then he said. " oh i never told you? thats my bad! '' i asked if they could change it back to XXXX % down being that they never told me until i had to call them up wondering what the change was. even knowing they threw me a curve ball with out any notice at all, he and his boss said there was nothing they can do about it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022.
Product: Debt collection

Mariner Finance issued unsolicited personal loan check in the amount of {$2500.00} dated XX/XX/2019. Check was mailed to my current address but intercepted by unknown party who then forged and cashed the check. I did not receive proceeds from check and Mariner Finance is now contacting me regarding installments due on loan. Police report has been filed with my county sheriff 's office and with Mariner Finance to dispute loan/debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit report that were not authourized XX/XX/2023 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 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: Credit reporting or other personal consumer reports

I wrote TransUnion and XXXX and requested that they remove the inquiries. I called TransUnion and XXXX and requested that they remove the inquiries. Each respective agency suggested that I submit an identity theft claim to the FTC, print out the report, then send a copy to each of them. 

I sent a request to each company and asked them to remove their respective inquiry. Only XXXX XXXX XXXX, XXXX XXXX, and XXXX has responded. 

XXXX and XXXX XXXX findings were inconclusive or they were able to verify the unauthorized I attempted to submit the identity theft report to the FTC ; however, I was redirected to the CFPB website, whom I am told, addresses everything relative to credit reporting.
Product: Debt collection

i sent a letter to jefferson capital asking them to validate the debt on XX/XX/XXXX they sent a letter saying they recieved my letter. we are now in XX/XX/XXXX and still no reply, the Fair Collection Practices Act requires if validation is done within 30 days it must be removed from the credit reports.