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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-VISA XXXX DPT EDXXXX XXXX
Product: Mortgage

The XXXX got a contract on their house XXXX XXXX, 2016. In the contract it indicated closing would be XXXX XXXX, 2016. No one heard any different until the day before, XXXX XXXX, 2016, when their buyers were told there would not be a closing on that date. The XXXX, their XXXX XXXX and myself had packed everything up, with the XXXX 's and the XXXX loaded in moving trucks to proceed with their moves on the XXXX. The next date they were given was XXXX XXXX, 2016, which did not happen, then XXXX XXXX, 2016, and now we are being told maybe XXXX XXXX, 2016. As a result all XXXX families involved including children have had to make other living arrangements, have incurred additional cost of hotels, meals, time away from their families and bills from the move that ca n't be payed until these houses are closed on. When contacting XXXX Mortgage XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX the only explanation is they have been busy. When dealing with families lives in such a big way they have no regard for all the inconvenience they have caused due to their lack of imcompetence, in handling multiple loan applications. The fact that they did not communicate the delay in the first closing date until the day before is unacceptable. We have all suffered financially and continue to do so because of their imcompetence. I would be happy to hear from someone who can shed some light on this situation and bring reimbursement for the losses. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was paid in full but it's still showing a {$100000.00} balance. When I open my XXXX account it also shows {$0.00} Balance
Product: Credit reporting or other personal consumer reports

Equifax Conducted Sham Investigations on My Equifax file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of : Late Payments : XXXX XXXX XXXX a XXXX XXXX ), XXXX XXXX XXXX ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of Equifax Data Attacks XXXX The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax multiple times that the entries below are erroneous and fraudulent. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Balance : {$110.00} : Opened : XX/XX/XXXX Equifax routinely and uncritically accepted the original furnishers response to the above disputed XXXXnformation, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me.
Product: Mortgage

I have experience discriminatory lending when the bank chose to deny me an offer me proper mortgage program help. I believe the discrimination is based on race class, property location using credit scoring systems that mask the financial crisis problem, downplaying the circumstances as if its a first time loan approval program, instead of dealing with loan crisis problem that put my mortgage into financial crisis. KeyBank project a broker appraisals report ( opinion ) that set higher than market value than treasury county value that was reported as a lower value. They continue to disregard the criteria for HUD programs that could prevent foreclosure. 

I believe the types of discrimination I have experience have been overt discrimination and malicious disparate treatment. KeyBank have created barriers, making it more difficult in subtle as program that requires evidence of one month of verified income for a mortgage programs for making homes affordable through HUD making me provide more extensive income documents and masking my request for help. By using the mediation as advantage to force credit and income information that shouldve been handle before mediation dates. Making it seem as if they I never had income to qualify for mortgage programs that were available during XX/XX/XXXX-XX/XX/XXXX.  When knowingly KeyBank is aware of the programs that are available. KeyBank chose to downplay the financial crisis program in which could help prevent foreclosure. The lender used the mediation to state the obvious that theres financial crisis and the distress of the loan, however neglecting to provide the program that I qualify for. 

I wanted and expected a fair opportunity for help when I came Keybank XX/XX/XXXX for help, before foreclosure when I was in good standing. Still asking for help that I shouldve have received. 

XXXX XXXX XXXX  XX/XX/XXXX : filing for request for HUD program assistant. I found out due to government Shutdown, I still should have time to qualify. 
Foreclosure Mediation : XX/XX/XXXX Phone conference I express I would seek help the HUD approval for help XX/XX/XXXX : I was told by KeyBank that all program was over. 
- Because of the government program I still have time XXXX XXXX XXXX : XX/XX/XXXX : filed loss mitigation XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours and job change XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours XX/XX/XXXX : Showing the increase and in pay and hours, waiting for employer negotiation period to another increase. 
XXXX XXXX XXXX of XXXX XXXX : XX/XX/XXXX : Went for assist when money that was available. Company XX/XX/XXXX : Filed Loss mitigation file never pushed forward / XX/XX/XXXX : File for assist for Loss mitigation and assistant
Product: Mortgage

Breach of contract. I supplied everything need for a loan mod. In prior complaint with CFPB complain # XXXX. According to the Deed of Trust along with Note, the grounds for acceleration were not met. Provided for you to read are the Deed of Trust and Note.
Product: Checking or savings account

Since XXXX of 2021 I have repeatedly disputed an inaccuracy with EARLY WARNING SYSTEMS about 5 times to this day to have a XXXX  XXXX XXXX account that isn't mine, they never provided me proof of signature when requested about this account. I've tried opening a checking account with XXXX again today to be denied due to this one account that they said supposedly " falls off '' in XXXX of this year. XXXX had the audacity to call my claims and demands for the report to be removed " FRIVOLOUS '' and implied they wouldn't move forward without " NEW PROOF '' for a continued dispute. I keep getting declined due to their negligence and want them held accountable
Product: Student loan

XXXX times since XXXX I have attempted to transfer to the SAVE plan. First time in XXXX I was told I make too much. XXXX month at XXXX. OK. then again the next month I tried again this time I was told I was in the allotted amount to qualify for the SAVE plan. Great! my payments went to XXXX. several more months go by and I call to get help getting online. I then find out I am not on the SAVE plan but am enrolled in the IDR plan. Once again I am told I am reenrolling you in the SAVE plan only to NOT be enrolled and still remain on the IDR plan. About a month ago I found this out. Upon finding out after calling customer service again because my plan should have been in forbearance if under the SAVE plan and the automatic deduction from checking was still taking place. At this point I was told only a paper SAVE plan could be done at this point online SAVE plan was no longer available. An application would be mailed to my home address. It's been a month. Still nothing. This loan is from XXXX  for XXXX and has gone to just under XXXX I believe there is something wrong here. What do you guys think? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly reporting that I have 13 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

also this account was found to re-age my account and i have proof of the re-aging and its still on my report. 

according to consumer law re-aging is illegal and has the consequnces of immediate deletion from the bureau reporting it but also this credit bureau says it verified the account to be accurate and didnt catch the re-aging... so that means the verification of the debt was never done and just falsely claimed. 

i reported XXXX  re-aging my account to experian and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' experian said they did an investigation and the re-aging dates were still on my account. 
as per the attachment experian never did an investigation or made sure the debt was valid on their site. 

experian let XXXX  re-age my account for their persoanl gain. 

experian complied with XXXX  and since transunion gets paid by XXXX  to report both parties willfully conspired to deceive me and harm my credit for their profit and gain. 

they claim it was opened on XXXX last reported was XXXX date /last active was XXXX date of last payment was XX/XX/XXXX how could i have made a last payment on XX/XX/XXXX and my account was last active on XX/XX/XXXX. 

also on XXXX they reported my activity was on XX/XX/XXXX. 

they re-aged my account from XXXX up XXXX years to XXXX. 

to have this account deleted and monetary resolution be given to me in the form of {$2000.00} for the finanacial harm they caused
Product: Credit reporting or other personal consumer reports

Experian keeps updating my accounts and they should not be reporting with late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 90 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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

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 Account number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I was involved in a car accident and my car was totaled. My insurance company tried to pay off the loan with PNC Bank 3 different times and each time PNC Bank sent their check back. This happend over a period of 3 months. PNC did not try to resolve the matter with my insurance company and instead sent my account to collections. I have read that this same complaint has happened to XXXX XXXX of other PNC customers. I am submiting this because my credit rating, that has been in the mid XXXXXXXX XXXX for XXXX years was damaging by PNC by their negligence and dropped by up to XXXX points. I called PNC Bank and they are admitting no fault on their side and not willing to fix my credit report. 

Please call if you have any questions. I have submitted the email thread as an attachment. I'm reachable at XXXX.
Product: Debt collection

I contact my Doctor office to see did I have an outstanding balance, and they said know. 
The law is clear, they suppose too contact me first. And they did n't do that! .Since they violate the law, they should remove the negative information.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the compromising of my Social Security number, which has led to identity theft and unauthorized entries on my credit report. I have already filed a report with the Federal Trade Commission ( FTC ), a copy of which is attached for your reference. 

Details of the Complaint FTC Report Reference Number : XXXX Unauthorized Accounts and Inquiries : XXXX XXXX  account ending in XXXX has been reported without my authorization. This constitutes a violation of 15 U.S. Code 1681b, as I did not provide written instructions for this information to be included in my consumer report. I request immediate removal of this account. 
XXXX XXXX  - XXXX XXXX XXXX account ending in XXXX has also been reported without my consent, violating 15 U.S. Code 1681b. I demand that this account be removed from my credit report immediately. 
XXXX XXXX - XXXX Similarly, the XXXX XXXX account ending in XXXX has been included in my credit report without my permission. This is another instance of non-compliance with 15 U.S. Code 1681b, and I request its removal. 
XXXX XXXX Inquiry - XX/XX/year> There is a XXXX XXXX inquiry dated XX/XX/year> on my credit report that was made without my consent as part of identity theft. Please remove this inquiry and provide me with any documentation you have regarding this account to assist in my investigation. 
Legal Violations The unauthorized reporting and inquiries listed above have caused significant harm to my credit report and personal well-being. The following legal violations have occurred : Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request the immediate blocking and removal of all unauthorized information from my credit report as stipulated under 15 U.S. Code 1681c-2 ( c ) ( a ). I expect a response within the mandated 4 business days upon receipt of this complaint. Please provide me with an updated copy of my credit report reflecting these changes. 

I am seeking urgent resolution to this matter and demand compliance with federal law. Should you fail to address these violations satisfactorily, I will pursue legal action for damages amounting to {$1000.00} per violation as per 15 U.S. Code 1692k.

Thank you for your prompt attention to this critical issue.
Product: Debt collection

Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail.
Product: Money transfer, virtual currency, or money service

Moneylion instacash payment of {$730.00} was debited from my account and it was not authorized to pull from my chase account
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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