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

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

1.I have never had an account with this company WF/DILLARD XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a dispute with XXXX, creditor JPMCB Chase Bank credit card acknowledged error with date of my last payment which occurred in XXXX, XXXX and not XXXX, XXXX which is when account was closed and charged-off. On XX/XX/XXXX, JPMCB removed this account tradeline from my XXXX credit report because last payment was 7 years ago. But, JPMCB has not done same with XXXX and XXXX despite how I filed separate disputes with all 3 credit reporting agencies. This violates the Fair Credit Reporting Act, Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( Ohio Rev. Code Sec. 1345 ) which authorizes treble damages awards. If this account is not deleted from all 3 major credit reporting agencies immediately, I will file a Complaint with the Ohio Attorney General 's Office Consumer Affairs Division and retain counsel to file suit for violations of the consumer protection statutes discussed above.
Product: Student loan

request denied on XX/XX/XXXX by navient, I have balance of XXXX to pay I told them I can't they are not willing to help they say I have opened one credit card or excuses such as you cosigner didn't respond last year when I was approved for a year to pay XXXX a mont ratter than XXXX per month only because I threaten to sue them and told them I just won't pay now they give run around and tell me that I am denied I can't afford XXXX per month please help me or students like me
Product: Credit reporting or other personal consumer reports

XXXX : Account : XXXX Name : XXXX XXXX XXXXXXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the agency myself, and they have failed to verify that this is indeed my debt. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account No even that 15 U.S. Code 1666b said : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. i Never received a letter from this agency about i have late payment so this company totally failed by low..Delete this account from my Credit File. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024 Inside the Branch, I made a cash deposit the machine returned the deposit to me minus {$500.00} and didn't accept my cash deposit. I immediately anxiously asked the gentleman in Home Loans for help. He was with a customer, I was persistent because the ATM machine kept {$500.00} of my cash deposit. He referred me to a counter clerk who eventually handed me off to a Manager. The bank couldn't open the ATM machine they needed to wait for a technician. Customer service returned {$500.00} to my account within XXXX hour. 

On XX/XX/2024 I noticed CHASE bank reversed {$500.00} from my account, immediately I knew it was the amount not calculated by the ATM machine. I opened my mail and noticed I received a letter recently Dated XX/XX/2024 removing {$500.00} from my account. 
I called customer service the first person I spoke with said nothing she can do complaint is closed. I spoke to her manager He said, third party owns the ATM not CHASE bank and the third party declined {$500.00} claim. I asked him to reopen my claim. 

Today XX/XX/2024 I went into the bank took pictures of the ATM machine to retrieve the serial number and any information on the unmarked ATM machine as in who owns the machine and who is managing my deposits. I spoke with the Manager on Duty XXXX XXXX. She clearly remembered me from my previous problem and she wasn't the manager that helped me on XX/XX/2024. Everyone in the bank, knew I had a problem with the ATM machine on XX/XX/2024. I asked the Manager on XXXX XXXX who owns the ATM machine the third party name. She checked with her managers and could not give out the information. I asked to reopen the claim and she called Customer Service and they declined to reopen the claim and the notes on my account stated I already spoke with a manager the day before and this case is closed and it was not closed the manager from the day before was reopening a claim. He didn't reopen anything. 
I recently called the number on the ATM machine I used inside the Branch and it is a CHASE customer service number XXXX not a third party. I asked when the Audit was done and by whom, on the ATM machine after I reported the {$500.00} that the machine didn't account for XXXX said, she can't give me any details that she is escalating the issue and I would need to wait for them to call me. I asked the name of the Escalation, XXXX said, " It's a group '' she's escalating it too. I had no idea a third party was responsible for my deposits and not CHASE Bank.
Product: Credit reporting or other personal consumer reports

XXXX dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are lying. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except XXXX. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to XXXX and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!
Product: Bank account or service

I have been indicating that bank transfers be made to my XXXX, FL. Wells Fargo checking account since 1991. XXXX. More locally where I am a better permanent resident, I have a linked savings XXXX. 
I realize how much we are not told, especially when the sums get closer and closer. 
When it was a far fetched idea, it was talked about, and even a Wells Fargo purchase shield XXXX searches for it. 
I believe the money has arrived, that was put there because they believed my grandfather had not enough name, from XXXX to impersonate him. My Father had the same problem being XXXX generation, not having enough to declare his house, that he had a 30 year mortgage to pay anyway. 
That money that is leavened, and was put there in my name, that caused me trouble the whole way, that I found out about, should be available to pay IRS income taxes for my father 's estate, that I have the EIN number for. He had income for the past 7 years, but I ca n't get a hold of his XXXX Wells Fargo account to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i called to pay this and told collection company i wil pay but they must remove from credit report before i pay they said the will call original creditor and verify and they called me back and said they will remove it but they never did after i paid it
Product: Mortgage

Applied for new home mortgage in XX/XX/XXXX. Was prequalified by Eagle Home Mortgage for a new construction home with XXXX XXXX. I made two payments of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. I worked with XXXX XXXX ( Sales Representative ) and XXXX XXXX ( Loan Officer ) during the home buying process. I received a closing date for XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX at Eagle Home Mortgage stating my loan application was submitted to underwriting on XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and was told my loan was not approved. I asked for time to obtain a mortgage with another lender. I never received a denial letter or any correspondence from the underwriter with the reason for the denial. I was given a new closing date of XXXX XXXX. I contacted XXXX XXXX to obtain a refund for my deposit since they will not give me more time to obtain a mortgage with another company. 
I was approved by another lender but they need at least 45 days to complete the loan process. XXXX XXXX refuses to give me more time and said I will not be refunded for my down payment. I need my down payment refunded in order to move forward with a different company. XXXX and Eagle Home Mortgage took my down payment and completed building the home prior to securing my loan. If there were any issues with the loan mortgage then I should have been notified timely in order to resolve the matter. Since XXXX does not want to allow me time to secure the loan I would my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  XXXX has violated my rights. 

DEPT OF EDXXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX  IN XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX has violated my rights XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights DPT EDXXXX XXXX has violated my rights 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 vears.

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: Mortgage

This XXXX with XXXX XXXX originated XX/XX/XXXX - We both suffered financial setback with jobs in XXXX and the loan became in default in late XXXX. On XXXX XXXX, we received correspondence from XXXX Mortgage ( we have the letter ) indicating the loan was scheduled to be charged off as a bad debt if not brought current. We were unable to bring the loan current. 
We received notifications randomly over the next several years of 'servicing transfers ' ( XXXX transfers ) ; however, there was no indication of collection activity being initiated, nor did we receive consistent monthly statements from any servicer. We have now been notified, on XX/XX/XXXX, that a foreclosure process has been initiated by a new servicer XXXX XXXX XXXX XXXX XXXX as owner XXXX of the XXXX XXXX XXXX, a XXXX XXXX XXXX, as servicer for the current mortgage holder STATEBRIDGE Company , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we are represented by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The original filing indicates we owed a principal balance of approx. XXXX plus interest, bringing the total to approximately XXXX. XXXX XXXX XXXX XXXX XXXX as owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented by XXXX XXXX XXXX, XXXX has since removed the interest due because it was determined they were in violation of RESPA and TILA during the servicing and process. We have offered numerous settlements, the latest of {$27000.00} ; however, they will not accept a settlement and are requesting we either pay in full the $ XXXX they now claim we owe or sign a modification for that balance, inclusive of their attorney fees. 
The original note for this XXXX is missing and a lost note affidavit has been filed. Our attorney has filed several motions for them to provide servicing notes and all documentation since the inception of the loan ; however, XXXX attorney has not provided and responded with a filing indicating these are not necessary to provide in order to file a foreclosure. 
We dont think legal due diligence was followed over the years of servicing transfers and during this process they filed, which would deem this debt uncollectable. Also, with admitted violations of RESPA and TILA, in addition to the Charge off letter originally received in XXXX, we believe an offer of settlement for XXXX is more than enough to finalize this. This XXXX falls into the category of XXXX Mortgage, FDCPA and FCCPA. 
We ask for your assistance and suggestions in this matter as to how this can be resolved. We are attaching the charge off letter form XXXX but can provide numerous documents per your request. Also, the XXXX XXXX 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

i have been trying to have a collection account removed from my file. XXXX  and XXXX have corrected the issue but i can get a final resolution with equifax. i have been trying for at least 6 months. the person i dispute i owe the money to agreed to remove it from my file. however, my disputes with equifax have not resolved the issue. the most recent dispute went over 30 days without a response from XXXX XXXX and i requested that it be removed for both reasons ( the originator agreed to remove and the collection company did not respond within the limits defined by the fair credit reporting act ) last month, equifax did remove it from my file but immediately re-added it back to my file???? 

below is information from equifax files that confirm they removed the disputed item then added it back to my file. by law, once it has been removed for collections non compliance with the fcra - it may not be added back. i need equifax to resolve this problem and not allow it to occur again. 

Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found 4 changes to your Equifax credit report. 

New Accounts In Collection XXXX XXXX New Account in Collections {$99.00} Accounts In Collection Removed XXXX   XXXX Collections Account Removed {$99.00} Credit Limit Increase XXXX/XXXX  Limit Increased by {$400.00} Balance Decrease XXXX/XXXX  Balance Decreased by {$14.00} Expecting a change that you dont see? Equifax may not have updated your report yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a consumer have the right to privacy and Experian has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Experian was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reached out to the loss recovery department of GM Financial in regard to negative information being reported to the credit reporting agencies. GM Financial has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The GM Financial representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. GM Financial is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.
Product: Debt collection

We received a payment demand from Windham Professionals for {$500.00} alleging that XXXX XXXX XXXX XXXX XXXX America reported our company as a delinquent debtor. 

Our company has never purchased any insurance policy from XXXX XXXX XXXX XXXX XXXX America in any capacity, including its affiliates. 

We do not owe XXXX XXXX XXXX XXXX XXXX America any money. We have never been a client of XXXX XXXX XXXX XXXX. In addition, the {$500.00} extortion is unwarranted and is not attributable to our company. 

Windham Professional Account No : XXXX Date : XX/XX/2021 Amount : {$500.00} Phone : XXXX