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

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another Capital One in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Trans-union , and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my Equifax and XXXX  ; and I'm assuming my XXXX  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave Fairway permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the New Law effective XXXX XXXX, 2017, any public record data must include name and address as well as SSN or D.O.B in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX  XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Vehicle loan or lease

I purchased a vehicle from a dealership ( XXXX XXXX Auto Mall outside XXXX Ohio ) at the end of XXXX. They sent a payoff check to Toyota financial services in the amount of XXXX. The first check they sent ( XXXX ), XXXX stated they didnt receive and requested the dealership stop payment and send a new one. So they did. The second check ( XXXX ) was cashed on XX/XX/XXXX. I have a photo copy of the cashed check, both front and back to show where it was endorsed, as well as the bank statement from the dealership showing it cleared their account. The dealership stated the check is part of an 8.5x11 piece of paper where the check is perforated and the customers name and account number are in the bottom half of the page. I started receiving late notices in early XXXX and contacted XXXX to tell them the check had been sent. They stated the check they attempted to cash ( XXXX ) had insufficient funds. Which is impossible because as I mentioned, I have proof it was cashed and cleared the bank. For 6 weeks now XXXX has been denying receiving payment. In turn, this has now hit my credit report as a delinquent account as well as my fathers as he was a co-signer. I was told on XX/XX/XXXX day by a customer service rep named XXXX that they had in fact found the check and determined that they cashed it but didnt know whose account to apply it to. So instead of calling the dealership to confirm what account this payment should have been applied to, they cashed it, took the money and went on with her day. I have now been waiting a week and a half for it to be applied to my account and for it to be settled. I will then have to dispute this with creditors and HOPE my credit can recover. XXXX has been incredibly unhelpful during this process and I personally think this is borderline fraud. They are taking money for themselves and not applying it to accounts appropriately. They should have DENIED the check if it didnt have proper touting/account information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating fraud, which I have sent to the credit reporting companies.
Product: Money transfer, virtual currency, or money service

Not able to link my account to my stock options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these XXXX unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX )
Product: Debt collection

I co-signed for my daughter on a mobile home and filed bankruptcy in the year of XXXX on the account but the account number was somehow changed. Therefore, a collection agency still continues to harass me for the debt. ( My daughter has since then moved on leaving a balance owed. ) The collection agency has been given this information as well as credit bureaus but both have ignored the complaint. 

Please help me resolve this issue. 

Thanks in advance for any help you can give me.
Product: Credit reporting or other personal consumer reports

Experian sent notwithstanding is a duplicate complaint well its not and Experian I'd lying as usual
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct reasonable investigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to there requirements constitutes a violation of federal law.

I hereby request that Experian : 1 ) Conduct a thorough investigation of the following disputed accounts or items. 
- My student loans - Credit Card Statements 2 ) Provide me with all documentation used to verify the accuracy of the disputed information.

3 ) DELETE any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I do expect written confirmation of any changes made to my credit file. 

Attached will be my documentation, verifying who I am, including my ID, social security, and utility bill.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX XXXX XXXXXXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} 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.
Product: Debt collection

This company, Fair Collections and Outsourcing is by way of identity theft, committing fraud. They have stolen my personal identifying information from XXXX XXXX Apartments, and have furnished my consumer reports with adverse information without my consent. The have not validated or verified this alleged debt, but there are attempting to extort me for payment by way of coercion.
Product: Mortgage

Since XX/XX/XXXX we have been attempting to work with Fay Servicing on a loan modification or any other assistance to allow us to keep our home. We have been denied with no explanation, denied due to lack of income, denied due to excess equity/assets as well. The reasons change each time and information given by call center representatives is not consistent. Our initial case manager was XXXX XXXX, good luck receiving a call back or response to emails. 20 months later, we are now with XXXX XXXX and supervisor XXXX XXXX. XXXX recognized in the system, after our MANY calls that issue was with their office and not our error with loan modification. In XX/XX/XXXX documents were sent with my wife 's maiden last name. We contacted Fay twice and was told new documents would not be sent that a notary will still assist us. Wrong, was denied by notary at our credit union because name did not match. XXXX collected our payments we had been trying to pay and had new documents sent to us. XXXX tracking and Fay confirmed they received them on XX/XX/XXXX. We were told to keep paying as agreed {$1800.00}, which we have. Today, and the last few days, Fay has refused to take payments due to foreclosure. What foreclosure, we have never been informed of this. XXXX emailed VP of loss mitigation a few months ago, no response. We have not received monthly statements for several months. We have emailed several times just this month asking why we don't have access to full account & why they never send statements. No response. We are also told there is a system glitch that refrains system from accepting our loan modification and cant override template.They are trying to figure it out. Teams and departments, do not communicate with one another. We are trying to keep and save our home but Fay seems to want to keep it for themselves. We have an XXXX statement that shows XXXX is owed, I dont understand where this amount comes from since we have been calling in payment every month. I dont understand why this month, all of a sudden we are not allowed to make any payment. I dont understand why Fay did not and has not worked with us during Covid-19 crisis. Fay was informed several times, I was hospitalized 4 times, my father died unexpectedly, we were exposed by immediate family member and quarantined for almost a month. I was forced to retire due to medical issues and Covid-19. My wife received a paycut to avoid layoff due to Covid. Our credit union was willing to assist with refinancing just so we could get away from Fay but of course, Fay is not reporting our payments so it looks as if we are delinquent. We have also asked why one of the few statements we can access, shows foreclosure attorney fee and no response. Statements attached for review.
Product: Mortgage

My Narrative begins with the ongoing persistent " Grossly Negligent '' behavior of Ocwen. Beginning with the deceit, Fabrication of evidence, documents, and motions in Dismissed with Prejudice XXXX by XXXX XXXX XXXX, for XXXX XXXX XXXX. My XXXX XXXX eviction case XXXX in front of Judge XXXX and XXXX XXXX ( opposing Counsel XXXX-originally represented by XXXX XXXX and finished by XXXX XXXX XXXX ). Fraud is evidenced by differing evidence, fabricated documents and omission of certain Documents. Documents presented to me as " Written Request for Validation of Debt '' provide yet another set of Documents all claiming to be " True and Exact '' copies of documents recorded in XXXX County. All documents are inconsistent with the actual documents on file in XXXX County ( XXXX ). A XXXX Appraisal dated XXXX XXXX, XXXX ( mortgage closed XXXX XXXX, XXXX and replaced mortgage closed XXXX XXXX, XXXX ). Unsigned and un-initialed disclosure statements. Ocwen continues to violate CFPB v Ocwen case # XXXX filed XXXX/XXXX/XXXX. Ocwen has ignored past settlements with XXXX as Trustee. Settlements they are liable to through past mergers and acquisitions. An Addendum provided me as " Written Request for Validation of Debt '' states at " Lenders Request '' collateral for Loan is XXXX acres and house yet they have taken all XXXX acres through Sheriff 's Sale. Loan was also sold to FHA ( maximum XXXX acres ) and sold back to Bank due to poor underwriting. Recently Ocwen hired XXXX XXXX ( XXXX XXXX XXXX ) to strong arm, harass, and bully me declining my efforts to resolve Mortgage. Most recently Ocwen has hired XXXX XXXX XXXX XXXX to respond to my claims by continuing to squash my supporting documents to my claims and perpetuate the Fraud on XXXX different Courts. I have provided an e-mail from ISD XXXX XXXX schools proving that this Mortgage could have been ( and still can be ) resolved immediately provided ISD XXXX XXXX XXXX is provided Guaranty of " clear title ''. Ocwen could and should provide that Guarantee of " clear title '' return me to my home and compensate me for this ongoing In-Justice RespectfullyXXXX XXXX
Product: Debt collection

In XX/XX/2017, I started a new job in XXXX  and rented a one-bedroom apartment in XX/XX/2017 from XXXX XXXX  ( XXXX XXXX ) on a 1-year lease. 

Due to problems on the job and a family issue ( my family lived in XXXX XXXX XXXX while I worked in XXXX ), I had to break the lease in order to relocate back to XXXX, and I paid an extra 1-month rent to break the lease based on the lease agreement. I also paid up my apartment rental fees up to date. 

I ensured to clean up the apartment before I left the XXXX XXXX. No debris or items was left-over. Nothing was damaged either. By cleaning, I meant I cleaned-up the bathroom, kitchen and the carpet. I did not collect my security deposit and the garage deposit before I left. 

However, after I had left the apartment in XX/XX/2017, XXXX XXXX   started harassing me with another bill, claiming the stove and the bathtub was not cleaned enough. 
I explained how I had taken my time to clean up the kitchen, the bathroom, living room, and the bedroom. All my explanation fell on deaf ears and XXXX went on to charge off a {$420.00} that they made up, to a collection agency, who in turn forwarded it to the credit bureau. The collection has already hit my credit account status and had brought down my credit score from over 700 to just above 600. 

I have a 3-bedroom rental property in XXXX as well and we don't treat renters like I have been treated - i.e. XXXX wants me to essentially bring the bathtub and the kitchen to a NEW status after it has been used by several tenants. It is a known fact everywhere, that both landlords and new renters have to do a little cleaning to move in on day 1. 

Right now, the {$420.00} undeserved bill is hurting my credit score. I need the assistance of the credit bureau to help me assess the ill-treatment I have been accorded by XXXX XXXX. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

collection management - {$1200.00} XXXX XXXX XXXX {$990.00} The accounts listed above are not mine.
Product: Checking or savings account

Fifth Third Bank 's procedures to close my account are unreasonably difficult and deceptive for consumers. I made a personal visit to a branch to close my checking and savings accounts back in XXXX. Though my checking account was closed, I logged in a couple of weeks later to see that my savings account was still open, with a balance of {$0.00} cents due to interest. I made 3 calls to Fifth Third telling  them I don't want the XXXX cents, and they should close my account before they charge me any fees for a low balance. They told me I have to either visit a branch ( during a pandemic ) or complete a form. Despite 3 calls and several weeks of waiting, I still don't have the form to mail in after 2.5 weeks. I believe they intentionally make it difficult to close old and unwanted accounts so that they can charge customers excessive fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card/Mortgage account under an open end consumer credit plan as late for purpose.