23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First off Diversified did not notify me that they were going to be collecting this debt and reporting it to the credit bureaus. I did not get any notice to dispute this item until it already appeared on my report. Secondly this same account was previously on my report by a different credit agency who removed it off my report as it was not my account. So Diversified bought this account and it is not mine and was previously proven as not mine. This is a violation of my FCRA. Once I seen it on my reports I sent them a certified letter requesting debt validation. I asked for proof that this is my account such as all accounting info, proof of signature, and proof of account history. They mailed me a bill! This is not debt validation. The bill does not show that I opened this account and that it is mine. My identity was previously stolen and have had problems ever since. So if this debt can not be VALIDATED as my debt it needs to be deleted from all 3 credit reports. As it previously was. If this is not handled accordingly I will go to my local attorney generals and to the BBB and file a complaint.
Product: Credit reporting or other personal consumer reports

I "XXXX XXXX XXXX", is reaching out in regard to noticing on my consumer report. That I see collection accounts and inquires that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.
Product: Mortgage

My mortgage with NewRez, LLC is a refinance. I had homeowner 's insurance in place before refinancing and have maintained it throughout the life of the mortgage without any lapse or missed payment. I have also made every mortgage payment in full and on time. 

On XX/XX/XXXX, the bank took {$1100.00} out of my escrow account. The notation states " XXXX XXXX XXXX ''. On XX/XX/XXXX, the bank took $ XXXX of my escrow account. The notation states " XXXX XXXX XXXX ''. In both instances, this was an improper conversion of money held in trust in an escrow account. As noted, the property has been fully insured at all times and all payments were made by me to insurance. 

I first spoke to a customer service representative about this on XX/XX/XXXX. I have talked to XXXX XXXX, Team Lead, XXXX XXXX, Team Lead Supervisor and XXXX XXXX, Supervisor. Ms. XXXX refused to let me talk to her supervisor, XXXX XXXX, XXXX and would not give me contact information for anyone so I have no option to follow up with anyone ever.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

Frost-Arnett bill for {$520.00} and they did not indicate if this is actual my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, Experian has not been reporting the date this account was charged off and the date of last activity of this account.
Product: Credit reporting or other personal consumer reports

Under FCRA Section 605 ( c ), it is illegal for creditors, collection agencies, and credit bureaus to re-age an account by updating the date of last activity to extend the time negative information remains on a credit report. Violators can be fined {$1000.00} for each account.

The date of last activity on a collection account should reflect the last payment date. Reporting inaccurate information is a violation of federal law.

Upon investigating the accounts and cross-referencing the data from the original sources with the information reported to all three major credit bureaus, I am attaching copies of all letters sent below.

I request an immediate investigation and correction of these discrepancies. Please respond within the 30-day period as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shouldnt be reporting late on my credit report as per the laws listed above, both them and youre agency are in violation and if they refuse to remove this late payment I demand the account be removed from my account entirely. Furthermore, Under 15 U.S. Code 1681e ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual in whom the report relates. Several laws are being broken in regards to my credit report and grounds for me to seek legal action. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must either remove or update the account so its are reporting correctly. Thanks for your help with this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

Case XXXX XXXXXXXX XXXX I've been using a VPN for over a year and recently received an email to re-verify my identity from Coinbase. That's when the problems started happening when I couldn't get access again. In a recent case, the number was finally told my VPN was not allowing Coinbase to verify my identity correctly. And the last time I spoke to a customer support representative informed me that the authenticator would be reset so that I may use my smartphone texting to verify and authenticate. My authenticator app, which I used before I reset my smartphone, was cleared, so it can't be used during recovery. Please investigate the paper trail of emails received not to allow me access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to cancel credit freeze for credit card application and was successfully logged on line for 72 hour unfreeze. XXXX XXXX XXXXXXXX representative states my account is frozen but dont worry, I will connect you to transunion and you may verify your self in order to lift freeze. I will remain on the line until you qualify. The lady, whom I believe was called XXXX, a XXXX  speaking women assured him, I want to say his name was XXXX that My report was unfrozen and XXXX agent again questions her stating that it was still frozen. She hangs up and says dont worry! I v seen this before and it is probably a delay I will wait until the next day and run it and return to you via phone call. 
Well I just received a letter from XXXX XXXX XXXXXXXX stating due to my credit freeze that I could not be extended credit due to no access to my credit report. 
Shameful and these are the same people who were compromised with all my personal info.
Product: Debt collection

I had an issue where XXXX  caused malpractice harm to my animal. This resulted in additional expense at another vet hospital. Due to this issue, they agreed to release and cancel my contract since they violated the terms of the agreement to provide quality and medical competence to be a vet clinic. After 6-7 months IC systems was given an account saying I owed over a XXXX dollars. That is not valid. I have verbally disputed with them on multiple occasions and they continue to be unable to validate that I owe a debt and are using abbusive collection tactics and are refusing to validate the debt as the law required them to do with the FCRA. In addition, I was never given a 30 day notice of this debt. They proceeded to report to credit despite all my disputes. They have violated many strikes and I am requesting the immediate and total release of this debt and have it removed from my credit ASAP.
Product: Debt collection

I asked the company if they could send me proof that this is my information and I didnt get a response from the company. I didnt have service with the company at all. XXXX sold my information to a debt collection company.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Took so long to verify my identity with drivers license. Tried to delete account to make a new one, found out that it wasnt permanently deleted and that I would need to contact them to reopen it. Did so and havent received an adequate response for a while. I only received an automated email. This needs sorting as there is money sat in an account that I cant shift unless I get my account opened and verified.
Product: Mortgage

In XXXX XXXX I applied for a mortgage with KeyBank. Prior to the application KeyBank loan officer XXXX XXXX checked my VISA status, Income, Debts and Credit score. After checking I was approved and ready to apply, according to XXXX XXXX. 
I applied on XXXX/XXXX/XXXX and received pre-approval letter. 
On XXXX/XXXX/XXXX XXXX XXXX informed I do not qualify for a mortgage because my VISA status ( non-resident ) does not comply with KeyBank 's guidelines. 
To my big surprise KeyBank opened on XXXX/XXXX/XXXX a mortgage loan account, loan amount {$240000.00}, under my name without informing me. In addition I never signed any kind of legal documentation and/or gave authorization to KeyBank to open this account. I met with KeyBank representatives, I emailed KeyBank VP of Mortgages XXXX XXXX XXXX, I called KeyBank executive phone number but nobody is willing to respond, give an explanation nor willing to close the account or process the paperwork that belongs to this account so I can purchase the house. 
Conclusion : On XXXX/XXXX/XXXX KeyBank opened, without any authorization and/or legal signature, a mortgage loan account under my name with a loan amount of {$240000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two years ago I contacted Experian regarding my account with XXXX XXXX that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to XXXX XXXX XXXX Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit. 

I paid XXXX XXXX every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with Experian and XXXX XXXX about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both Experian and XXXX XXXX and there was nothing I could do but continue to suffer the consequences of the negative reporting. Experian reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year Experian was reporting XXXX more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does Experian get paid more for allowing creditors to do this? This is wrong and unfair. 

And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor Citibank Citibank 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

I have been a victim of identity-theft on XX/XX/XXXX and from that point on, I have been battling with unauthorized accounts being opened in my name, which XXXX of the accounts was opened on XX/XX/XXXX, which is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a XXXX late payment, which was unauthorized by XXXX XXXX XXXX XXXX XXXX which is on a mortgage account on my credit file. These discrepancies are violating my rights under 15 USC 1681b and 15 U.S. Code 1681c-2. Therefore, Equifax is violating my rights and is still reporting these fraudulent accounts/ discrepancies on my credit file, which is a violation of my rights. Also, I have disputed these account several times, and when I called in a numerous of times, the representative says that they do not have my documentation that I sent in overnight certified mail, where I do have tracking numbers. Therefore, there is some unnecessary processes going on with Equifax and if these accounts are not removed from my credit file, then I will be filing a lawsuit and seeking damages of {$1000.00} per occurrence. Please correct this issue and comply with the law. Thanking you in advance!
Product: Debt collection

A1 debt collectors tried to collect this debt with 2 letters sent. The first letter was lost, the second I received I tried to call to understand what the debt was. I never signed a contract with the original company, and second the company HAS never sent me a bill at all. When I contacted A1 the man I spoke with would not stop talking so I could ask how I never even received a bill and now you say that I owe. I discontinued the conversation, I sent a debt validation letter asking for contracts signed, where were the bills sent that the company says they sent that I never received. When I received their reply it was nothing more than they say the company says I owe the money. I NEVER once received a bill, had I received a bill we would not be at this point. I have all the paperwork between A1 and myself, I am sending a second debt validation letter asking for the pertinent information that says I signed a c ontract with my signature and also when these so called bills were sent that I never paid.
Product: Credit card or prepaid card

On XX/XX/2021, I tried to transfer {$180000.00} on line, from my checking account at the Bank to an Investment brokerage Account at the same entity. However somehow by a entry mistake or computer error, the amount got transferred to the Credit Card related to the Investment Account. The credit card shows the correct credit balance of {$180000.00} which I have tried to transfer back to either my checking account or my brokerage account. However I could not do it on line and as per the request by the credit card, they required me to conduct this transfer on the phone. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was advised that the request to transfer is under review with no further explanations given. 
My money has been tied up for no reason, and I am losing interest on this valuable asset. 
That is why I am filing a complaint against the credit card and the Bank. 
Thank you for your assistance and direction on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : false, contradictory, and incorrect information on us is sent to potential lender. We don't have access to that information. The credit report that we receive is different than the ones they get. We paid lawyers and a credit repair company to sort this out. Much of what they were able to do for us was dumped back onto our credit report when Equifax was hacked. 
Our personal information has been compromised so many times that we can not trust any information listed there. Our supposed accounts have been sold off to companies we've never heard of trying to get money that we don't owe.
Product: Mortgage

I asked Truist bank to remove PMI from my mortgage as I have an appraisal - they initially said I would need to do a refinance to remove PMI ( which I know is not true ). They have been charging me {$72.00} since I called for my PMI. My loan to value from my appraisal is below 65 % and they have not removed my PMI. 

Truist bank now says they are " reviewing '' a request that was submitted on a date I do not recognize and while I wait they are still charging me PMI. 

When will PMI be removed from my loan as I am paying {$870.00} per year for nothing? Why would they take that money from me if my loan to value is well below 80 %?