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 XXXX XXXX XXXX. 

I told the Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 suppose to modify accounts that isn't reporting correctly. 

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

Where do I even begin with my hardship and request for help from my lender. My Hardship began last year when Covid hit. I was out of my job and furloughed because the company I worked for could not book any appointments. I got a covid extension plan and then now I know that I qualify for covid owner occupied loan modification my lender is not helping me. I have been denied twice now when I know that a covid owner occupied loan modification does not require any documentation as long as my hardship started when covid was announced. I am desperately trying to save my home and hope that this complaint will help me get the help I need.
Product: Mortgage

On XX/XX/XXXX, I submitted a Sales contract to Home Bridge XXXX  XXXX. Knowing they only have 3 business days from the XX/XX/XXXX to send out application documents, Loan Estimates, etc., They took almost to weeks to send my documents to me. I received a Loan Estimate on XX/XX/XXXX. When I confronted the Loan Officer about the problem, he informed me that his company is following the appropriate guidelines. However, they are playing the system. I have proof that I sent the Sales Contract to this Loan Officer on XX/XX/XXXX, but the " Date of Application '' they have is XX/XX/XXXX to make it look like they are in compliance. I told her Loan Officer that they are out of compliance and I should not be charged any fees due to the 0 tolerance rule. He disagreed with me but told me that their systems generate the dates of application once they get the 6 key factors of the application. He had ALL information needed on XX/XX/XXXX. He even states he let the sales contract " Sit '' in his email due to being " So busy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act " Capital One '' has violated my rights. Allowing a late payment reporting on XX/XX/22, XX/XX/22. 
Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy.

15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no otheIn. Accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 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.
Product: Debt collection

The deliquent account was for The City Of XXXX for {$290.00}. I was still receiving invoices from the City via email. 
The Credit Bureau of the South aka Delinquent Recovery Associates are the ones that reported negatively on my credit report. When i saw it there, I XXXX  them to get the phone number. I called and asked what it was. When they told me it was the City, I informed them that i was still receiving invoices from the city and didn't understand why they were reporting me. The lady told me, " You did not pay your bill. You need to pay your bills. '' I told her i did not have an account with them and that I would communicate only with the City. She hung up on me. I called and asked fir the supervisor who was even more rude. He also said, " You need to pay your bills. '' I told him they were not authorized to put anything on my report as i was still receiving notices from the city. I told him they needed to remove it. He said they will not because I owe it. I again told him that I did not owe it to his company and would not pay them. He never told me they sent a letter to me. My first hearing of this was today from XXXX when i went to their office. 
The reason for my visit : After going to The City of XXXX today and paying the bill with the invoice THEY sent me, the clerk told me the bill was never in collections. 
I went to the XXXX XXXX at XXXX XXXX and told them and asked that they remove it. XXXX informed me that " They dont make this stuff up. They are not that good. '' I told her I know you're not that good because if you were your counterparts would have listened when i told them that something wasn't right. She told me they sent a letter which included instructions for disputing.i told her i never received a letter which is the reason i dont have an account number for them.My first aquaintance with them was their name on my credit report which i XXXX  and called them. She informed me that they always send letters. I told her someone didn't do their job because I never received it and the person on the phone never mentioned a letter or a process neither that i could get something from the city to them. 
She told me it would take a while to delete but i told her she could expedite it. She didnt like that. She said she knew why everyone had an attitude with me, she could see the problem was me. I explained to her that my current attitude was a result of the treatment i received from them and the fact that they had done damage to my creft score despite my attemts to speak to them or dispute through the XXXX. She decided since she did not HAVE to delete it she would report it paid. I told her you dont have the right to do anything because I owed it to the city, it was still current with them, and i paid them.
Product: Debt collection

Within the past four months I had noticed three collections having been reported on my credit report and a massive drop in my fico score. I reached out to the collections company noted on the record as " Credit Bureau Systems Inc ''. I immediately sent them a Validation letter on XX/XX/2019 and after 30 days had not received any written correspondence back from them. On XX/XX/2019 I received an account details letter claiming I was in debt to them in the amount of {$13000.00}. On XX/XX/2019 I again re-sent a Validation letter via certified mail. On XX/XX/2019 I received an " Account Itemization Letter '' in the mail now stating that I owed the amount of {$12000.00}. Neither of these correspondence letters have matching account numbers nor amounts owed. To date all three of these collections remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent account named : XXXX XXXX  showing on my credit report and its affecting me to buy a home
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
3. XXXX XXXX XXXX XXXX 
XXXX Please remove it from my credit report immediately!
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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

Debt older than 7 years Proof of original collection data Please remove collection from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. 


The following account is not mine LVNV FUNDING LLC Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXXXXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
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.


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

his is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am
Product: Mortgage

On XX/XX/XXXX my HOME SOLD. The reason my home sold was due to I had to file a BK and i could not drive the 4-5 hrs to the court house to get to file the BK docs so i did it all by mail and it had it overnight-ed to the lender and the post office sent a letter stating they had recd my packet on a Saturday ( please see attached letters ) the packet should have been deliveried on Monday XX/XX/2018 and it was not. I requested that the foreclosure attorney and the lender please rescind the property back to me as it was not my fault of the post office mistake and they should honer the BK cause it was filed before the sale date on XX/XX/2018 and cause of the post office i lost my home. 
When calling the lender and the foreclosure attorney they choose to not HELP me keep my home at all. I have been very sick over all this and my medical conditions are not that good. I fel they could of rescinded the property back to me. Understand i know it was the 11th hour but due to my health and surgeries i have had i could not drive that far to the court house.
Product: Debt collection

I do not have an open acct with XXXX XXXX. 
I do not owe any money to this company.
Product: Debt collection

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) {$510.00} XXXX XXXX XXXX AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX  ) {$3200.00} acct XXXX I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
Company information
Product: Debt collection

I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX # 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 a 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.
Product: Vehicle loan or lease

Due to Covid and unfortunate family circumstances, we held the car past the lease term ending XX/XX/2020, but continued to make monthly payments to show good faith that we were extending the lease. Never once was my payment rejected or returned for the next several months. GM issued an order of repossession in XX/XX/2020 to get the car back, but this repossession had nothing to do with a financial obligation. Our credit report indicates we owe a balance. As this was a lease with no payout due at the end of the lease term, there is no balance due, merely the car was to be returned and that is why GM supposedly " repossessed '' the vehicle.
Product: Debt collection

They called my office asking for me and told XXXX of my staff it was a personal matter and I needed to call XXXX XXXX XXXX XXXX XXXX. when I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I did tell them that if they were attempting to collect on any collection matter, that I have filed with the FTC twice.The latest date was XXXX/XXXX/2016. I keep telling these people that this is NOT my debt and I also filed an Identity theft issue. I also told them that after I got off this call I was going to contact the CFPB and file a complaint. They hung up on me without saying good bye. I sent letters, etc and still they keep coming after me. It needs to STOP. The last company is Halsted. But funny, the number that first called is a Hawaii area code. Please ask them to stop harassing me over a debt that I keep filing that does not belong to me
Product: Credit reporting

I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?
Product: Vehicle loan or lease

After repossession of my vehicle, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement, Santander then turns around and sells the debt to XXXX XXXX XXXX, a collection agency on XX/XX/XXXX. 

As you can see in the attachments, Santander just settled the case earlier this year, XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile altogether. In no way was this account to be sold to a collection agency. 

Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

Credit bureau keeps coming back verified I have sent a letter to XXXX and Equifax from bankruptcy court saying that they never reported anything to a credit bureau and they have no record of this bankruptcy but they keep reporting it
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX CO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$230.00} US DEPARTMENT OF EDU XXXX Balance {$650.00} US DEPARTMENT OF EDU XXXX Balance {$4200.00} US DEPT. OF EDUCATIO XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00}