23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW. PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED WITHIN XXXX  DAYS. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS HAVE BEEN DELETED FROM MY XXXX AND XXXX CREDIT REPORT PLEASE FOLLOW.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXXXXXX XXXX XXXX XXXX Block ACCOUNTS : ACEPTANCENOW - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ______________________________________________ INQURIES : XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX NA - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 in accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODES FOR INQURIES - XXXX XXXX XXXX XXXX XXXX XXXX - CODES FOR CHARGE OFFS XXXX XXXX XXXX CODES FOR COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer reports, this agency is in violation XXXX XXXX XXXX.
Product: Vehicle loan or lease

The vehicle I had previous to this XXXX got totaled by a company XXXX  truck on the interstate going XXXX miles an hour that I survived, but they salvaged the XXXX because it would cost more to repair it than it was worth, and the XXXX left us in a place where we had no more vehicle. They were not going to do anything financially to help us to the situation that their client caused, and it was forced us into Multiple multiple vehicle loan applications until finally, this one was accepted at four times the cost of the value of the vehicle. We were taking advantage of, I had to flea abuse from that person, my future ex-husband, so Im in Texas and hes in Iowa, I am trying to Figure out how to get help on this matter alone and separate myself from him as he approved me taking the vehicle. But I can not afford to pay the amount of money, refinance with my credit that is in the XXXX because the divorce, and sustain life while trying to get alimony andattorneys fees paid by the man I was depended on for two years while being XXXX. So very tough situation and I need help from someone that can make a difference!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.
Product: Debt collection

I was recently became aware that All Debt Solutions , Inc. is attempting to collect a debt on a previous account that has been paid in full. Services with XXXX XXXX XXXX XXXXXXXX were complete and all payment was rendered.
Product: Debt collection

Figliola & Romano sent me a letter dated XX/XX/XXXX that I owe a {$1100.00} debt for XXXX XXXX. They said they are collecting the debt. I sent them a letter XX/XX/XXXX ' asking them to verify the debt per MA regulations. XX/XX/XXXX ' they sent me a letter saying they will send me validation of the referenced debt. Letter dated XX/XX/XXXX ' they sent me accompanied credit card statements of the alleged debt. I responded XX/XX/XXXX via letter that the credit card statements failed to validate the debt Pursuant to 940 CMR 7.08 ( 2 ), they did not oblige by sending documents ( a ) to ( d ) which in part entails documents must bear my signature - Documents provided to me did not bear my signature. Also they did not send the mail as first class as required by the regulations but by standard mail. I asked them to validate the debt as documents provided not sufficient. Instead of trying to resolve this matter w/ me,  they sent me a letter XX/XX/XXXX saying what they sent me validates the debt, thus they reject my request to further validate the debt as I still dispute it. And that they will no longer respond to any request to substantiate the validity of the death - this is unfair & deceptive collection practices per MA 940 CMR 35:00 ; especially during a current state of emergency due to the Pandemic. I even told them they in error mis reported me on my credit part but they refuse to listen to me.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX H XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect
Product: Money transfer, virtual currency, or money service

Yes i have been scammed by certain individuals on an XXXX  online store i have bought stuff in the past but not from them. XXXX  XXXX  is the XXXX i purchased a XXXX for a cheap price because they supposed to be selling alot so they giving it to the less fortunate but it was mistakes they just persuade me and very clever when u read the conversation but basically i complained to XXXX XXXX and my own bank santander and they didnt help just denined me which makes no sense when i have evidence and multiple explanations so i shouldnt see why i didnt get a reimbursement which i should get after this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TRANSWORLD SYS INC/XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, TRANSWORLD SYS INC/XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I can not find the expiration date for the promotional XXXX % interest balance transfer ' I have with this credit card. The date that the promotional period expires is not on the monthly statement, nor can I find it anywhere on the website.
Product: Credit reporting

Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to XXXX. I hope that you can help me resolve this matter.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX and Collection Management ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE REPORTING LATE PAYMENTS ON XXXX ACCOUNTS THAT HAVE IN THE PAYMENT HISTORY. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) I HAVE NEVER BEEN LATE ON ANY PAYMENT ON ANY ACCOUNT. PLEASE UPDATE THE ACCOUNTS AND DATES FOR EACH ONE TO " CURENT, PAID ON TIME, OR PAID AS AGREED ''
Product: Credit reporting or other personal consumer reports

XXXX TransUnion XXXX XXXX above companies are reporting that I have a delinquent account that is active that was closed years ago. XXXX XXXX is stating I have an outstanding balance with them.
Product: Credit card

I was the victim of identity theft on two Bank of America credit cards ; one was a VISA and the other was a Mastercard for small business. 

For the VISA, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XXXX in the amount of {$3400.00}. However, on XX/XX/ the fraudulent charges in the amount of {$2900.00} were added right back into my account! 

For the MasterCard for small business, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XX/XX/ in the amount of {$4700.00}. However, on XXXX, the fraudulent charges were reversed right back into my account! 

I am refusing to pay these fraudulent charges, and understand that the VISA and MasterCard products expressly state that customers are not liable for fraudulent charges. Why, then, does Bank of America continue to blame me, the victim of the fraud, for these charges? This bank is absolutely horrible, and even though I have been with them for 35 years and am now a " Gold '' status member, I am looking to leave as soon as I get these fraudulent charges fixed. Shame on you, Bank of America!
Product: Student loan

Mohela - Unable to speak to representative, loan amount payment changed with no notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all Fraud alerts from my Credit Reports. I would also like the removal of the following addresses from my profile they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX, XXXX P.O. BOX XXXX, XXXX, WV XXXX MY CURRENT PERSONAL BUSINESS ADDRESS IS : XXXX XXXX XXXX XXXX XXXX ARG, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I have submitted over 10 dispute letters to experian transunion and XXXX over the last 2 years and also asked for the creditor to seize all communications with me and the credit agencies according to 15 usc 1692 c and the creditors keep calling me and also reporting inconsistent inaccurate information to experian transunion and equifax.also I've notified the creditors and the experian XXXX and XXXX that they are reporting inconsistent incomplete inaccurate information on my credit report.i am attaching a credit report feom today XX/XX/year> from smart credit and highlighted all of the inconsistent information being reported. When ever a credit report is not reporting XXXXpercent accurate information concerning the individual about whom the report relates.these accounts are the result of idenity theft and fraud and i demand to block the following accounts within 4 business days pursuant 15 usc 1681c-2.also the dates of activity opened dates closed dates dispute status are all inconsistent across all 3 credit agencies.i am no longer liable for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also attaching the ftc report # XXXX and the idenity theft Affidavit as proof that im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : XXXX  XXXX XXXX XXXX Balance {$1800.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX OF XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At all relevant times herein, I have been the joint owner of a real property at XXXX XXXX XXXX, XXXX  XXXX, VA XXXX. 

My current mortgage servicer is Citizens One Home Loans. 

On XXXX XXXX, 2021, I saw that XXXX was reporting my Citizens One Home Loan account as discharged through bankruptcy. 

-On XXXX XXXX, 2021, I submitted an online dispute to XXXX XXXX disputing that the Citizens One account as XXXX in bankruptcy and providing proof from the bankruptcy court that my Citizens One Home Loan account was not in fact discharged in bankruptcy. 

On XXXX XXXX, 2021, XXXX responded to my dispute, verifying the inaccurate information as " accurate. '' Neither Citizens One nor XXXX performed a reasonable investigation of my dispute. 

On XXXX XXXX, 2021, I attempted to correct the inaccurate reporting directly with the furnisher, Citizens One home Loans. I spoke with XXXX XXXX employee ID XXXX ) in the bankruptcy department who told me they could see my loan had been modified via the bankruptcy court, but that they, the bankruptcy department, had no control over the credit reporting of my account and if I wanted any changes to the reporting, that I would have to dispute it with their credit reporting department, which of course I already had by virtue of my XXXX XXXX, 2021 dispute to XXXX, who had forwarded my credit reporting dispute to Citizens One. 

I am therefore attaching the following for the CFPB 's review the following documents to show my loan was exempt from the bankruptcy discharge and should not be reporting as discharged in bankruptcy : 1 ) XXXX Order Approving Loan Modification 2 ) XXXX Notice of Voluntary Conversion from XXXX. XXXX to XXXX. XXXX 3 ) XXXX Order Converting Case from XXXX. XXXX to XXXX. XXXX 4 ) XXXX Amended Schedules ( See Schedule C showing XXXX XXXX XXXX as secured, exempt property ) 5 ) XXXX Trustee 's Final Report and Account 6 ) XXXX Discharge of Debtor Also attached is XXXX 's XXXX XXXX, 2021 response to my dispute re Citizen 's One Home Loans account in which they " verified '' the reporting as " accurate. '' As you will see from the attached bankruptcy documents, the loan for XXXX XXXX XXXX was modified by the Court. I was then able to convert from a XXXX XXXXXXXX to a XXXX. XXXX and my property at XXXX XXXX XXXX was exempt from discharge. Therefore, when the Court entered an Order of Discharge, the mortgage loan with Citizens One Home Loans was NOT discharged. 

Both XXXX and Citizens One Home Loans are in violation of the Fair Credit Reporting Act. I simply want my credit report to reflect that my Citizens One loan is current and in good standing and is NOT discharged in bankruptcy. It is causing me credit damage and no small amount of stress. The whole point of bankruptcy was to escape the overwhelming burden of medical bills and have a fresh start. Citizens One and XXXX are preventing me from having a fresh start. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.