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

XXXX, XXXX, and Equifax continue to report inaccurate information. The below account has not been properly validated or verified. 

DEPTEDXXXX Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX Payment Status : Unknown XXXX XXXX XXXX  Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 accounts 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 NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX XXXX  XXXX : XXXX. XXXX, 2023.
Product: Debt collection

I have no knowledge of this debt. I recognize the originator, XXXX XXXX but I only viewed an apartment. I did not sign any documentation agreeing to lease. 

Complaint : Hunter Warfield failed to validate provide proof of alleged debt. 

XX/XX/2021 - I sent a Debt Validation letter via certified mail to Hunter Warfield Inc. 

XX/XX/2021 - Certified letter was delivered successfully according to USPS tracking # : XXXX XX/XX/2021 - No response received.
Product: Mortgage

My lender, First Bank Mortgage put forced flood insurance on my condo that I already had flood coverage on through my XXXX policy and the complex 's master policy. The forced flood insurance created an escrow shortage and my monthly note went from {$940.00} to {$1600.00}. I continued to send my regular note while I disputed the placement of the forced flood insurance. In XXXX, First Bank began rejecting my electronic payments and refunding the checks that I sent them for my monthly payment. Eventually, they cancelled the forced flood insurance and refunded my escrow, creating an escrow surplus. They also corrected the monthly payments ; however, they never corrected the balance owed as a result of the escrow shortage. First Bank Mortgage now says that I am in default of my loan and is threatening foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete account immediately 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 XXXX, # 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Discover Card account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to Discover. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.
Product: Credit reporting or other personal consumer reports

ok so the account in question here is " XXXX '', better known as XXXX XXXX. these people when I requested the debt to be validated they sent me every statement since the account was open. I asked for the public and private XXXX accounting records of the debt, the name of the original creditor and the name of the flesh and blood human being that validated the debt. furthermore, since this creditor has been reporting in accurate credit information from XX/XX/XXXX- XX/XX/XXXX, pursuant to US court of Appeals, XXXX XXXX. No. XXXX, XXXX v. XXXX XXXX XXXX the reason why I am bringing this dispute forward to this corporation is for defamation and for financial injury. the fine is the extend of the damages incurred by the wronged party as deemed by the courts, pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to black 's law dictionary. This would entitle me to a violation sum of {$34000.00} if this dispute is taken to district court and this corporation made to be held liable for this gross negligence of federal law. Further more, being that this corporation failed to provide enough proof to validate the debt and the credit bureaus continued to reported false and inaccurate information for an extended period of time that would make the credit bureau and this company both liable to violating FCRA 623, and pursuant to XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX. XXXX XX/XX/XXXX, filed ( XXXX XXXX. XXXX ), the reason for adding the violation to this dispute is due to defamation and willful injury. the fines that can be assessed for the violations are to the extent of damages incurred by the wronged party deemed by the courts. pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to black 's law dictionary. this would be another violation sum of {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming
Product: Credit reporting or other personal consumer reports

Its two inquiry from XXXXXXXX XXXX XXXX  on XX/XX/2023 and XXXX/XXXX  XXXX  on XX/XX/XXXX  that are fraudulent. I never applied or inquire anything from these two places.
Product: Mortgage

XXXX, a subservicer for Lakeview Loan Servicing LLC,  intentionally makes fraudulent claims of late payments, repeatedly, in order to wear customers down and entrap them. They do this even when they have claimed the funds prior to the cutoff date for timely payment. I believe they are hoping the customers will get too busy and be unable to provide the repeated documentation they keep demanding based on fraudulent claims. 

I have provided documentation to prove their continued harassment and unethical behavior. It is more than fixing this single issue. They need to be investigated for fraud. 

While they responded to a previous complaint stating that the loan reference number did not match and that was their excuse for not applying the funds timely, there is no excuse. There are many data points that match, the loan has been paid in exactly the same method from the same source using the same information since XX/XX/2019. 

All of a sudden, they claim that because they issued a new loan reference number when they acquired the loan that they couldn't tie the payment together?? It's nonsense. 

The documents I attached here show unequivocally that they had the funds by the XX/XX/XXXX when the cutoff for timely is the XXXX of a given month. Still, they send a statement saying they have not received and charging a fee for late, neither of which is true. 

Truly, they are monkeying around with any way possible to charge fees exploiting people by consistently causing them to have to document things that have not been a problem until now. They are making problems. Why?? Someone needs to find out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to keep updated my account with Collections that are showing a XX/XX/XXXX balance or a collection that has already been reported. Everytime they do this my credit score is affected and decreases. They just reported a collection that was already reported on XXXX XXXX XXXX again on XX/XX/XXXX. This caused my credit score to drop 33 points I contacted the collection agency XXXX XXXX XXXX and they claim they have sent nothing to Equifax. Equifax also added 3 other collection accounts to my credit report 3 weeks ago which caused my score to drop 66 points. I contacted all 3 collection agencies and they all replied that I have a XXXX balance and they did not contact Equifax. Equifax refuses to remove these negative items from my credit report causing jeopardy to my new mortgage application. I have tried contacting them by phone and email. The one time they did answer they instructed me that I had to put base a credit report from them to discuss the negative information they reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for investigation to Experian using their Online Form for several inquiries that I did not approve. I asked Experian to collaborate with the creditors/lendors/entities to ensure that there was permissible purpose and approval from me to actually look at my credit file. I do not have an account with these companies, they have not extended credit to me, and do not recall giving them signed approval to access my credit file. 

Experian provided me with a Dispute Report # XXXX on XX/XX/2018 basically stating that the inquiries were actual requests for my credit report. That is indeed a fact, however, under the Fair Credit Reporting Act, I am entitled to know if these companies have proof of permissible purpose to pull my account, which I'm attesting that they do not. I followed up with Experian via a written letter asking them to validate with the companies that they have approval. 

At this point it is clear that Experian is not actually going to truly investigate these Inquiries. It is obvious that they are declining to provide me with the description of their procedure used to determine the accuracy and completeness of the information they are reporting, as requested by me in writing. These unverified inquiries are still lingering on my credit report and dragging my score down. Experian is not in compliance with FCRA and are validating my rights under FCRA which requires them to perform a true investigation upon a consumer dispute. I simply asked them to provide me with proof that the companies had a permissible purpose to pull my credit report but they willfully continue to be in violation of my FRCA rights. 

I'm simply asking for help from the CFPB to ensure that Experian is in compliance with the rules, laws, and policies that they must adhere to as a credit reporting agency, according to FCRA. 

The unverified Credit Inquiries that I would like removed are : * XXXX XXXX XXXX XXXX * XXXX * XXXX XXXX * XXXX XXXX ( first instance ) * XXXX   XXXX  ( second instance )
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH ABILITY RECOVERY SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my co worker who had a sick family member posted items for sale. She was hacked in her account and I had been messaging her about the items. Cash app declined the payments I tried to send her but my phone has been hacked and my debit card was entered in cash app not by me. It was run for XXXX. I reported scam to Cash app now XXXX times. Cash app will not answer phone and only sends a notification they did not find scam. I reported to my bank immediately and now the bank refuses to reimburse me because of the email I received from cash app that after investigation they do not see a scam. I got a new debit card from the bank and tried to stop the transaction but I am still unable to get my money returned. I still have never talked to a person at Cash App. They only have an advocate to reply with messages.
Product: Mortgage

In XXXX I began a modification with my mortgage company. The final paperwork for the modification didn't come until XXXX of XXXX. The paperwork required my signature in front of a notary public which I completed. It also had to be within 5 days of receipt, which I also completed. In XXXX of XXXX Homepoint Financial began to refuse my payment saying that the final paperwork for the modification wasn't returned on time. I then had to prove to the that it had in fact been returned and signed for by a XXXX XXXX at their Texas branch. The representative I spoke to about the papers actually having been received said that there would be an investigation and I would hear from her by the following Tuesday at the latest. 
I never heard back from her again. I then received paperwork saying my loan had been sold, which I thought was odd since I was in the middle of a modification. Then for some reason out of the blue XXXX began accepting my payments again. I then paid for a past due XXXX payment and my XXXX payment. Then suddenly they began to refuse my payment again. So out of fear for losing my home I began the borrowers assistance package and sent out an email to an address that had emailed me in the past from Homepoint. They came back with a repayment plan that almost surpassed my income and was completely unrealistic. They wanted me to pay XXXX a month for XXXX months. I couldn't make those payments and again did yet another borrowers assistance package at the hopes of the repayment plan would doable. They then denied me any option that would allow me and my family to remain in the home. Based on the fact that I had had a previous modification in less than 24 months when in fact it had been denied due to lack of paperwork supposedly. During the modification process I was called on a Friday and told that some of the tax documents that I had submitted wasn't going to be sufficient. I stressed the entire weekend, literally a train wreck all weekend and when I called on Monday I was told All that was needed was in and it looked good. Just an example of how they have added stress and pressure to an already terrible situation. I have been handled terribly and talked down to as if me or my house truly means nothing to any of these people. Their idea of communication is to send a person to knock on your door but not wait for you but instead leave a note on the door and take off. I followed through with my part of the very first forbearance that XXXX is calling a modification. The same modification they denied existed while on the phone with me and my attorney. XXXX has been so all over the place with my mortgage statements, amounts and payments and whenever I call them they always say I have to talk to my case worker and they let me leave a message and my call is never returned. I also did reach out to a counselor with XXXX XXXX XXXX whicj also wasn't able to make heads or tails of what XXXX was doing. Thanks for you help in this matter
Product: Debt collection

I bought furniture from a company that is no longer in business and I defaulted on the loan. I need a co-signer and my daughter agreed. We both signed the contract. My daughter was sued and paid the judgment. The creditor ( Security Credit Services ) was paid. Now, the information is in my name alone and her name alone instead of the one contract. The contract shows the exact furniture in both our names, the exact date and time. The company is now garnishing my check ; I was never served for court to defend myself. I sent the satisfaction of judgement when my daughter was sued. I received a satisfaction of judgement from XXXX XXXX XXXX for XXXX XXXX  and I was told by XXXX XXXX that he would return any money taken but the satisfaction of judgement was supposed to have sent a stop garnishment to my employer but they didnt receive it. I never gave anyone permission to access my credit report. This account has been satisfied and now these companies are stealing my hard earned money. I received a renewal of judgment now for Security Credit Services, the account is being transferred from security credit services to XXXX  XXXX. I have been in contact with XXXX XXXX and was told that they know nothing of the judgement. However, the envelope is addressed from XXXX. This is a frustrating situation and I am so tired of this theft!! At this point yes I am interested in filing a law suit against all parties involved here. Thank you for your time and support. 

I want this garnishment stopped and judgement remain satisfied. I do not owe this debt. I Want my money returned and an apology would be sufficient as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX ( Acct # 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 consumer credit plan as late for any purpose.
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit debt collectors. I stated I wanted confirmation of debt. This is to be wet signatures of all transactions not a bill statement. This is the definition. If you say I owe you money then prove your original creditor gave me a legal loan not a credit swap from my signature. If you provide me with that I will pay you in full with money of the United States. A bill is not a confirmation of debt. Also send me a copy that you can legally collect debt in state of florida. You keep on telling me the debt is confirmed. Fine. I keep on asking you by who, mailing address, email, phone number and title in company. It seems to me that you can not answer my question. I want to cancel this debt with a 1099C tax form. This is legal to do so. What is your companys problem. Who is your cfo? This is your demand letter if your company can not answer these questions you will be in court or arbitration as well.
Product: Credit card

I made a purchase XX/XX/23 for {$490.00} on from XXXX  XXXX XXXX XXXX XXXX XXXX ( multiple company names for some reason ), through Goldman Sachs. 

They are not an accredited educational institution to issue XXXX XXXX XXXX certifications per my employer. I explained this to Goldman Sachs, the provider of my Apple Card multiple times and I am on my third unsuccessful attempt to dispute the charge with them. 

Each time they side with the merchant. The only evidence the merchant has provided is a receipt. Per the Fair Credit Billing Act, I have a " good reason to be dissatisfied with the items and services I have purchased '', therefore my chargeback stands as legitimate. 

On XX/XX/23 after multiple attempts to get this dispute settled, and Goldman Sachs repeatedly declining to rule in my favor, I cancelled my Apple Card and will no longer do business with Goldman Sachs.