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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts I listed below. 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 aren't reporting correctly.

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.

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.

, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) selection 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.

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 accurate.
Product: Debt collection

amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX
Product: Debt collection

Today I received a notification through My Fico that a new collections appeared on my credit report from the company " Vance & Huffman LLC '' in the amount of {$550.00}. I have never received a single written communication from this company. I XXXX  the company and found the company. They were able to tell me the last 4 of my SSN and my name with a previous last name but they read off to me an address that is not mine. The receptionist refused to send me any debt validation stating that if she sent me anything in the mail it will only be a notice that their office holds an account and how much I allegedly owe. The original copy she told me the debt was for, I have no idea who they are and I have never done business with them. It is my right as a consumer to be provided with proof of any supposed debt that I owe and the burden of proof is on the collector. This debt does not belong to me and is damaging to my credit report. I demand for this to be removed from all 3 credit bureaus immediately!
Product: Checking or savings account

Wells Fargo would not fully refund the XXXX of dollars they charged my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a request to remove a inquiry, I sent the proper paperwork for removal. At the time in XXXX of 2022 my credit score decreased XXXX points when the inquiry was added. My current credit score was XXXX when I requested the inquiry to be removed. Today XX/XX/XXXX I am showing the inquiry requested has been removed today. However my credit score went down XXXX points after they removed the inquiry. It should have put my XXXX points back that was taken not decrease my score. My score is now XXXX after the removal of a inquiry. Decreasing my score XXXX points. I am requesting my XXXX points back plus the XXXX points removed in XXXX when the inquiry was made. Total of XXXX points Im requesting to be added back to my credit score immediately. This is an error
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Mortgage

I mailed a qualified written request ( " QWR '' ) to Real Time Resolutions , Inc. ( " RTR '' ) on XX/XX/2023. In that QWR, I requested : ( 1 ) a copy of my note; ( 2 ) a copy of any modification agreements from origination to present ; and ( 3 ) a payment history from origination to present. That QWR was delivered to RTR on XX/XX/2023. On XX/XX/2023, RTR acknowledged this request. However, to date, I have not received the requested documents and information from RTR.
Product: Debt collection

I checked with XXXX There is no record of me owing this money. I contacted Transworld Systems to clear up the matter. They failed to give me any details about the bill and abruptly disconnected the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting inquiries that I did not authorize off of my TransUnion report and the did not remove them.. the inquiries that need to be removed are as follows : XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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. 


XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX. 


Account name XXXX  Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Closed Account info Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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: Checking or savings account

I have 2 accounts with Citizens. I am on XXXX ( not my choice ). My income is very limited. Both accounts are closely watched. There are still a few entities that access my account. I have tried endlessly to stop this, however the bank nor the entities do not help. I have been charged 2 XXXX $ insufficient funds fee. When I noticed one of my accounts fell behind by {$2.00}, I immediately transferred monies to correct the unexpected withdrawal that same day. However, Citizens applied a  XXXX $ fee to my account, sending it back into Insufficient status.I have tried mechanically to remove these, to no avail. I had a small XXXX deposit, but that was sucked up immediately. Ca n't do this any more. Can you Help. These withdrawals were not initiated by me, nor expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Product: Mortgage

I have been trying to have my home loan modified with help from XXXX. Each time they have called the bank to check on the modification they were advised that they did n't have authorization. I have given XXXX authorization which has been sent to the bank on multiple times. The bank advised they had received the authorization on XX/XX/XXXX and then on XX/XX/XXXX they said they did n't have. This has left me in a terrible hardship and I 'm may lose my home. I lost my wife on XX/XX/XXXX. She battled XXXX for five years. Not only have I had to endure watching my wife suffer and leave this world I may now have to leave our home that we shared together. My son and I live in the home and very much want to continue living here. The bank has advised that there is a sale date for my home on XX/XX/XXXX. My son and I have no where to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX  XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Im expressing extreme frustration and disgust with the inaccuracies and unauthorized inquiries found on their credit report. Ive gone through significant effort to identify and dispute these errors, citing specific violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws.

Key violations and demands : Incorrect personal information : Ive disputed the accuracy of their date of birth, name, previous addresses, and employers.

Unauthorized inquiries : Im disputing unauthorized inquiries from XXXX, XXXX XXXX, and XXXX of XXXX. 
Late payment disputes : Im challenging late payment entries on accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, citing a lack of proper notice. 
Debt validation requests : The consumer is demanding detailed validation of debts from XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX 
Credit report corrections : Im requesting the removal of all inaccurate information from their credit report and is demanding that the credit reporting agencies comply with the FCRA 's investigation and correction requirements.

I have included specific references to relevant federal laws, such as 15 U.S.C. 1681i ( a ), to emphasize their legal rights and expectations. I will take legal action if my demands are not met.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX, and I can't even sleep properly because of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries
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 fraud 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 immediately! 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires and as usc 1681 B states these need to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am dismayed to have seen in my credit bureau a car loan that does not belong to me. The car loan originated in XX/XX/XXXX, when I was not yet a legal resident of the US. I arrived in the US on XX/XX/XXXX. Now I am desperate for start making a credit history in this country, and I can't because I have that debt in my credit bureau. Please, I need to know what I can do to resolve this unpleasant situation in which I am accidentally involved. 
XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Back in   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  for an oil change and I came out driving a new   XXXX    XXXX   XXXX   XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.
Product: Mortgage

A year ago when I learned about the new property tax rate for my property, I called and asked Roundpoint Mortgage Servicing Corp to immediately review my escrow account and make an adjustment accordingly. Apparently that never happened. Now, I am learning my escrow is projected to have a shortfall of more than a whopping {$800.00}. This is an outrageous amount, and it reflects a pattern of negligence at this company. Not only did they fail to perform the review LAST YEAR, they also previously lost the paperwork when they acquired servicing rights to my mortgage and claimed that neither I, not my building, were insured. They also previously failed to properly inform the city where I live and my insurer about the fact they had acquired the mortgage servicing rights. This is now the second time I have complained about the company and its overall lack of due diligence and care. It failed to perform my request and I immediately demand that the company review the escrow about EVERY SPRING - once we know the new tax rate for the City of XXXX. Ironically, they are telling me this XX/XX/XXXX, just a few months before a brand NEW tax rate will be kicking in for 2017. Given the timing of this annual review process, it means that they will inevitably fail every year to properly adjust my escrow payments to keep pace with the taxes in my city. This needs to be done at the time the new tax rate is approved by the City Council - which is precisely what I asked for last year. I truly believe this company needs to be thorough examined for compliance by the CFPB. I have a strong suspicion, based on my interactions with them to date, that there is a very strong chance they are not complying with federal law. I also want consumers to be aware of the problems with this company ( which also include major challenges getting anyone on the phone when you call the customer service line ).
Product: Money transfer, virtual currency, or money service

I was instructed to transfer money to JP Morgan/Chase. I explain below how they have failed to do their due diligence and have engaged with a company that is involved in suspicious activities that include potential money laundering and fraud. 

I was the victim of a sophisticated investment scam by a company calling themselves XXXX XXXX XXXX. I see postings that they are a scam all over the internet. I received text messages and engaged with them online from my home in the United States. I made three payments to them by means of international wire transfer. 

When I transferred my money to XXXX XXXX XXXX, I thought that I was going to be investing. What I did not know is that XXXX XXXX XXXX was a scam and completely unregulated. Therefore, I did not actually receive any investment services whatsoever as they never put my funds in a brokerage account for me as I was expecting. All that I received was an online simulation.

I was also a victim of JP Morgan/Chase because they should never have engaged with XXXX XXXX XXXX and their owner XXXX  XXXX XXXX. If they had done due diligence with their client, obtained KYC documents and followed anti-money laundering laws, they would have realized XXXX  XXXX XXXX was a scam. My attorney has sent a letter to JP Morgan/Chase ( see attached ), detailing all of the above and more, to which they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX the following violations have been discovered and commited in fact by, Ability Recovery Services LLC. These violations include to the following : Title 15 U.S.Code Subchapter 5 : Debt Collection Practices in its entirety, Title 15 U.S. Code 1692A through Title 15 U.S.Code 1692 ( P ) ( C ) 3 and Title 15 U.S.Code Subsection 1681b, Permissible purposes of consumer reports in its complete entirety.

As these violations are in fact proven as per physical mailed evidence, I the Consumer, am entitled to damages as stipulated by Title 15 U.S. Codes 1692 K. 
on XX/XX/2019 via Notary Presentment, I have sent correspondence to the alleged debt collector and have not received a response. In the event Ability Recovery Services LLC has documents or verifies that these violations are inaccurate, I as a Consumer, demand that they verify via Sworn Notarized Affidavits so I can know the person who has handled my dispute and to state That the alleged inquiry is in fact Compliant and is not Subterfuge.