23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford motor credit is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Product: Debt collection

On XX/XX/XXXX, I checked my bank account and saw a check made out to the Court. I immediately called my bank and they said I wrote a check to the court. I said no I did n't. After a few moments they said it was a garnishment. I then called the court and they told me a judgement was made against me in XX/XX/XXXX.They said that the law office trying to attempt the debt sent a summons. I said I did n't receive anything regarding the situation or the garnishment at all! I asked the court to mail me papers. She gave me a number to contact the law office. After trying 5 different numbers that I was given by bank and court, I was able to speak with someone. The law assistant said that it was delivered and because it was not returned to them unable to deliver, that they assumed I received it. Then said I even called to talk to someone about it. Then proceeded to say '' I did, we were going to make a payment arrangement for XXXX . '' I said well, a lot was going on in my life last year but i did n't recall talking to you and would never have agreed to that because I could never afford that amount. After all that I said can we make an arrangement on the amount due XXXX. She then said that I owed XXXX. I said the garnishment paper from the court says differently. I have asked now twice for them to send me what they have and they wo n't but keeps asking me to send her what I have instead, i am confused why i would have something they do n't have. I faxed my doc. on XXXX, she states they never received it? She also states the court fees are XXXX, but my judgement paper states XXXX. They have continued to call me and I feel threatened if I do not comply, that there will be more garnishments. I received the judgement papers on XXXX ( from the court after asking for them to mail to me ), they garnished my paycheck on XXXX and the judgement for the garnishment was filed on XXXX.The last record on the docket was XX/XX/XXXX and out of no where in XX/XX/XXXX garnished my checking account. All the info on my sheet states it was verified on XXXX. So then I was left without my money and was never told I could dispute this at all and was left without any options. I feel as though they are withholding information and/or trying to get me to offer up information that in the end would incriminate myself. I would just like to settle and end this all. Also the debt is From XX/XX/XXXX.
Product: Debt collection

I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment XXXX XXXX returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted XXXX XXXX  they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help
Product: Mortgage

Planet Home Lending has assured me that 1 ) property taxes have been paid in full with no penalty and 2 ) they have conducted an escrow analysis. However, the XXXX XXXX XXXX XXXX 's office still shows my 2023 property taxes as being delinquent. Further, Planet Home Lending is holding an exorbitant amount of escrow ( over $ XXXX ) and refuses to release the excess to me. I have tried contacting them but their voicemail system takes you through endless loops and emails go unanswered for weeks on end.
Product: Checking or savings account

I currently have an XXXX with Optum Health Bank and they are not accepting my weekly payroll deposit into my account even though the funds are withdrawn from the company bank. It is even stated clearly on my check that the funds have been submitted to Optum for deposit. Optum continually refutes this problem and denies that a deposit has been made. Our company and company bank states that the money has been withdrawn from the account and deposited, our payroll concurs as stated on payroll slip.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have TRANSUNION accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red XXXX signature, that show I gave them written or verbal instructions to furbish information on my credit file. TRANSUNION has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Debt collection

I have disputed this outdated account listed on my credit file that is also unknown to me. I shouldn't owe any medical debt. I haven't received anything validating this. It shows on my credit file first reported in XX/XX/2012 after looking through all my records this is unknown Please help
Product: Credit card

Filed a dispute against a merchant for not sending goods as ordered. I called synchrony bank which manages my XXXX master card. They took the dispute but have declined to give me temporary credit during the investigation. They are sending me bills to pay on the amount charged by the merchant.
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. 

Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX  Acct # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # 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 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.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries 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 Federal Trade Commission Committee 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Payday loan, title loan, personal loan, or advance loan

Financed a loan through Good Leap for XXXXXXXX XXXX. Company XXXX XXXX was the installer and had warranty through them. XXXX XXXX filed XXXX XXXX bankruptcy. The contract was void once XXXX filed bankruptcy. XXXX is unable le to hold up their portion of loan agreement. Loan was for XXXX. I am stuck with a loan without any warranty as promised when I applied for loan. XXXX XXXX had a warranty for any roof damage as well as any labor cost for equipment malfunction. XXXX XXXX was paid by Good leap for installation as well warranty. I fall under the SCRA as well.
Product: Debt collection

Reports show charged off and never received a 1099 on this charge off.

report has errors like last activity all have different dates.

last reported dates are not the same
Product: Mortgage

" My whole Family & XXXX XXXX XXXX XXXX XXXX XXXX & our Income has effected due to that reason. Moreover, I am under XXXX XXXX until XX/XX/XXXX as per my XXXX XXXX XXXX  Hence, I request for a Forbearance Extension due to the reasons mentioned above & please forward my this request exactly as mentioned above in this paragraph to the Investor of my Mortgage Loan for Forbearance Extension. '' XXXX XXXX, Supervisor from Shellpoint Mortgage Servicing told me on a Recorded Line that she submitted my request to the Investors of my Loan when I spoke to her on XX/XX/XXXX but I failed to receive any response from her after sending her several emails. I request a call back & email response from XXXX XXXX. 

I requested Management of Shellpoint Mortgage Servicing to contact me immediately & provide me the Law & Rules which states that I only can get 18 months of Forbearance Extensions irrespective of my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX By FHA, Fair Lending Rules & Federal Rules Shellpoint Mortgage Servicing is Legally Obligated to share the Rules & Laws based on which they are declining my request for Consideration for Forbearance Extensions & not taking forward my request to the Investor of my Mortgage Loan. 

I received Forbearance Extension for my other 2 Mortgage Loans beyond 18 Months. In one Mortgage Loan, I received Forbearance Extensions for 21 Months & another Mortgage Loans I received Forbearance Extension for 22 Months where those Loans are backed by XXXX XXXX XXXX XXXX XXXX  respectively but unfortunately, Shellpoint Mortgage Servicing is not forwarding my request to the Investor of this Mortgage Loan who is XXXX XXXX. XXXX XXXX must have standard process for all Mortgage Loans. Hence, I request, demand & provide Legal Notice to Shellpoint Mortgage Servicing to forward my Forbearance Extensions Request to my Mortgage Loan Investor XXXX XXXX & let me know their response ASAP. 

I also requested Lawfully to Shellpoint Mortgage Servicing to not charge me any Late Fees until my Forbearance Extensions Request is Pending with the Investor of my Mortgage Loan & suppress the Negative Credit Reporting or face Legal Actions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Inadequate Investigation of Credit Disputes** I would like to file a formal complaint against Equifax regarding their handling of consumer disputes related to inaccuracies on my credit report.

**Details of the Complaint : ** 1. **Failure to Investigate : ** Equifax has ignored the documents and evidence I submitted when disputing inaccuracies.

2. **Reinsertion of Inaccuracies : ** I have noticed that previously deleted errors were reinserted into my credit report, impacting my credit score.

3. **Confusing Communication : ** The letters I received from Equifax about the results of their investigations were confusing and contradictory, leaving me unclear about the status of my disputes.

4. **Flawed Practices : ** Additionally, I am concerned about the use of faulty software code that has contributed to inaccurate credit scoring.

Given that the CFPB has found Equifax in violation of its responsibilities, I urge the Bureau to take further action to ensure they comply with federal laws and adequately address these issues for affected consumers, including myself. 

Thank you for your attention to this matter.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Checking or savings account

I deposited checks for coworkers on my XXXX account as third parties and wasn't aware that wasn't allowed. I called to get one of my checks accepted early so my account was reviewed and they noticed the deposits. I was NOT aware this was not allowed and they restricted my account and put all checks on hold, and put my account into the negative for the checks. 
The owner of my work wrote these checks out and the were supposed to be returned to sender. They never were so I was told to go to his bank because the checks had cleared and get faxes from his bank with him saying they had been cleared on their end. This has been going on for a month with my funds on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent XXXX XXXX refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XXXX XXXX, XXXX XXXX and XXXX XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.