23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An account is listed on my Transunion Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Transunion has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX   I have contact Transunion multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge  that this case was Settled on   XXXX   XXXX   XXXX   A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.
Product: Mortgage

I applied for and received a reverse mortgage from American Advisors Group in early 2016. My application was handled through XXXX I received the attached Good Faith Estimate around XXXX which shows an up front payment of {$4400.00} MIP ( mortgage insurance premium ) to be taken off the top of my loan to secure the property against devaluation which was supposed to be covered by the government. I was told my agent XXXX XXXX that this was required as a one time only fee against loss. Yet, on every current statement that I receive from XXXX I am being charged ad additional {$92.00} plus every month for MIP ( mortgage insurance premium. I think that it is extremely deceptive to label MIP in the initial disclosure and then add an additional MIP to the existing mortgage. The use of the same abbreviation MIP for XXXX charges is misleading and not disclosed properly to the consumer. I attended XXXX one hour required counseling sessions on Reverse Mortgages and the XXXX ongoing MIP was never detailed. These abbreviations are misleading. I am attaching the original Good Faith Estimate and my current bill as documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXX Reference number XXXX - XXXX XXXXXXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable
Product: Debt collection

Complaint Number submitted, XXXX XXXX, XXXX Contacted by Ability Recovery LLC , called from XXXX ( XXXX ) on XX/XX/2023. I spoke with XXXX XXXX XXXX, XXXX, office personnel atXXXX  ( XXXX ) about this issue. XXXX stated this issue has been resolved. XXXX XXXX you are on financial assistance and we pick-up any charges after your insurance has paid their responsible costs. XXXX stated this issue has been resolved, and you have no outstanding balances. 

Submitted, submitted XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Experian credit report, i noticed that there is a credit inquiry on XX/XX/2020 by XXXX, which i have no clue. I never authoried such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

INQUIRY DETAILS : Company name : XXXX Inquiry date : XXXX, XXXX, 2020 Company Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, ND XXXX. 
Telephone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis credit bureau is listing 2 XXXX XXXX accounts from XXXX XXXX on my Innovis credit report. 

XXXX XXXX  transferred my original XXXX XXXX account opened XX/XX/XXXX, to another office, without my consent. After the transfer, XXXX opened a new XXXX XXXX account, without my consent, in XXXX of XXXX, and closed the original XXXX XXXX account # XXXX, without my consent. 

I should only have the original # XXXX XXXX XXXX account opened on XX/XX/XXXX showing on my Innovis credit report. The 2nd account is considered an unauthorized duplicate account, under the terms of the Fair Credit Reporting Act, passed by Congress, and must be deleted from my Innovis credit report. The FCRA is very strict in its rules on reporting accounts that were transferred. There can be no duplicate accounts listed on a consumer 's credit file, if the transfer was done without the consumer 's express written consent. In this case, there was no express written authorization submitted by me, to ever have my account transferred to another office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply this law to my credit report so I know without a shadow of a doubt I am being treated fairly, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex and XXXX XXXX XXXX The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the XXXX, Experian and XXXX. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified discrepancies with the following account that are adversely affecting my ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting a procedural investigation to verify the accuracy of the reported information. 

Below are the accounts in question for your immediate review : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Please ensure a thorough reinvestigation of this item and provide documentation of your verification process. If the information can not be confirmed as accurate, I expect it to be promptly removed from my credit report. 

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

Credit bureaus have not responded to my letter of I accuracies on my credit file with their company
Product: Credit reporting or other personal consumer reports

I am writing to you as a desperate plea for help regarding an ongoing issue of identity theft that has plagued my life for nearly a decade. Since as far back as 2015, I have been a victim of individuals unlawfully using my identity and credit, resulting in fraudulent accounts and financial obligations being attributed to my name. 

Over the years, I have made every effort to address this devastating issue. Most recently, I reported the fraudulent accounts to all three major credit bureausEquifax, XXXX, and XXXXand directly to the original creditors involved. Despite my diligence and providing all necessary evidence, only XXXX accounts have been successfully removed from my credit file. The remaining fraudulent accounts continue to tarnish my credit, inflict financial hardship, and cause me profound emotional distress. 

This situation has severely impacted every aspect of my life. I struggle to obtain even basic necessities like housing and transportation due to poor credit. The constant battle to prove my innocence and reclaim my identity has taken an enormous toll on my mental health, leaving me overwhelmed and hopeless. I feel trapped in a nightmare I can not escape, no matter how much effort I put into resolving it. 

I am pleading with you to take immediate action to investigate and resolve this matter. I need these fraudulent accounts removed from my credit report and assurances that my identity will be protected moving forward. I have attached copies of all relevant documentation, including police reports, correspondence with creditors, and any evidence supporting my claims. 

Please understand that I am at my wit 's end. I can not endure this struggle alone any longer. I beg you to treat this matter with the utmost urgency and help me reclaim my life and peace of mind. 

Thank you for your time and attention to this critical issue. I hope to hear back from you soon. 

ACCOUNTS BEING DISPUTED : 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

My personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/ account number XXXX and fraudulent inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX .
Product: Debt collection

Ic systems inc one for XXXX  and XXXX tried to dispute no luck XXXX  closed settled but still on my credit report
Product: Credit reporting or other personal consumer reports

Experian isnt properly reporting my account and I notice unidentified credit errors
Product: Mortgage

We have tried to work with Carrington Mortgage to save our home we realized that XXXX was the former owner of our loan and they liquidated through a Chapter XXXX Bankruptcy. We are trying to understand if our home is a part of the liquidation?

Before we got to this status we have submitted payments to Carrington Mortgage and they have sent them back to us.

Recently Carrington sent to us a Loan Modification Package and we completed the application and submitted the requested documents. Documents were due back on XX/XX/XXXX. We submitted the completed application and supporting documents via XXXX onXX/XX/XXXX.

We spoke to Carrington Mortgage today and found that they did in fact receive the documents but they refuse to look at them because it was not with the 32 or 37 days before a sale date to be considered for a workout. We were constantly calling them and not one time did anyone tell us that after compiling documents and sending them by XX/XX/XXXX they were just going to reject all of the paper work and hope of getting our mortgage back on track. We were never told that this information until today.

We are asking for help in acquiring a desired Loan Modification and stopping the sale date scheduled for auction XX/XX/XXXX. Thank You
Product: Debt collection

Someone at this number left a few automated vm saying to call back to avoid repercussions. I called back, They told me the last XXXX of the ssn they had on file stating they are collecting for a loan - think a payday loan, however .... they can not or will not tell me who the original lender supposedly was. Said I owe {$550.00}. I can offer them a settlement. They have my cell phone # and last XXXX of my ss # and said they know I have a bank account at a credit union. I have asked them if I find that it IS a valid loan and I pay this - - how do I know they wo n't come back with another XXXX. He said he ca n't guarantee that since they do n't know the lender? How can they collect on an unspecified loan? I cleared up the few nightmare payday loans I had taken out in XXXX 
Thank youCaller is " XXXX '' @ XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXX Balanced : {$5300.00} XXXX XXXX  XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I follow disputes with all three credit bearers XXXX XXXX XXXX Experian came back verify when requested a letter for prove they failed to do so The company that Im disputing is XXXX XXXX when requesting letters from these creditors, they said they are no longer requesting payment because the account has been charged off
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.XXXX
Product: Credit card or prepaid card

I attempted to withdraw {$1000.00} from my account. The ATM did not dispense the funds to me, but my account was debited for the full amount. Returned to the B of A branch where it happened ( they are also the issuer ) and upon learning that it was an EDD card they coldly referred me to the number on the bank of the card ; the guy in the suit treated me like I was something he peeled off the bottom of his shoe. After calling several times, and being disconnected after waiting on hold for exactly an hour each time, I did manage to get someone to direct me to a supervisor, who seemed to disconnect the call beforeI could explain the issue and didn't call back. They have a rep verify all your info and transfer you, but nobody ever answers your call. I returned to the branch at XXXX XXXX XXXX XXXX XXXX XXXX and asked to speak to the branch manager or someone with compassion that would actually help me navigate the process and get some help. I was refused. I told them I would be waiting for the manager outside, and proceeded to picket with a large sign for 5 hours. Not one of the employees was willing to even engage with me, they would rather have me share my negative experience in front of their place of business. What arrogance? And how can they be allowed by the government to victimize people like this with absolutely zero recourse?
Product: Debt collection

This is a collection agency that is trying to collect {$11.00} from me that I believe I do not owe. After multiple attempts to request debt validation from this agency, it has failed to provide such information. It sent me an itemized list of charges ; however, no where on that list does it show that I owe anyone any amount. It also has failed to provide its license to collection in my state ( CA ). Additionally, this collection agency has referred my letter to its legal department. 

Since the very beginning of my conversation with this collection agency, I have stated that I am not refusing to pay ; however, I would like it to provide me sufficient proof showing that I have any obligation to pay any amount. So far, in my opinion, it has failed to do so. However, in order to keep my good credit score, I have already paid the amount in dispute as of XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX 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 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 convinctions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My listed address are wrong, XXXX XXXX XXXX is a single family, Experian has that correct but next to Is XXXX XXXX no such apt number, XXXX XXXX XXXX XXXX Maryland never lived in XXXX Maryland had a XXXX XXXX at one time but the XXXX XXXX was in XXXX ma XXXX XXXX ny never lived there either. XXXX XXXX XXXX XXXX ma XXXX XX/XX/1997 till present.
Product: Checking or savings account

I have been working with a amex worker appointed by previous complaints for a number of months and it has led nowhere. I will be sending a complaint every single day until i either get my funds returned PLUS the interest that has accumulated since the birth of my account. Or i get in contact with someone with the power to get my funds released with in a week. If either of these are not met i will continue to send in complaints.
Product: Debt collection

so far today XX/XX/2021 i have received 3 calls from XXXX, XXXX, XXXX, and at XXXX. on XX/XX/2021 i received 2 calls from the same number, one at XXXX, and the second at XXXX. On XX/XX/2021 i received 2 calls from the same number above at XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX  - XXXX  - {$260.00} XXXX  - XXXX  - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting 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 an account without my written instructions.

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