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

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. XXXX XXXX XXXX violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit 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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : 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 602 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Bank of America went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at XXXX XXXX XXXX XXXX XXXX!
Product: Debt collection

I HAVE ASKED THAT PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with drive-time only because i gotten a vehicle financed by XXXX  which i already received an inquiry on my credit report. I been at drive-time multiple times for personal reasons in regards to my financing, payments, warranty, ect. I've talked to sales reps at one point about getting another vehicle and i was shown how to apply on phone apt with sales rep indicating its wont hurt my credit or lower my score because its only getting information what ill pay if i get another vehicle. I was told it only counts once i get the vehicle. That moment i was receiving calls from other drive-time location bugging me like fly 's. Once i explained to one individual that i have a location im dealing with and explained i was there already she decided to look up my information informing me i cant get a vehicle until after a year has passed. I ran my credit report in XX/XX/XXXX even calling the information provided for the inquiry on the report. I was given the blaim game point the finger not being able to explain. I have not been provided proof of validation or proof of verification. 

XXXX XXXX XXXX XXXX  XXXX XXXX AZ, XXXX XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer Section 1689 of the fair credit reporting act indicates the monetary damages i can claim for this up to {$1000.00} dollars for inquiry not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed a dispute of my mortgage account because it was reported as opened when it was already closed and paid in full. This information was subsequently updated, but after the update an " H '' code was added indicating that the loan had foreclosure initiated. This was a home mortgage with XXXX XXXX, XXXX. I tried contacting XXXX XXXX to correct this issue as I was lead to believe by Equifax that XXXX XXXX had reported this information to them. I filed a complaint against XXXX XXXX and they responded in writing that they never reported to Equifax that my loan had foreclosure initiated. They provided control numbers and written documentation of what they reported to Equifax. I then reached out to Equifax to try to resolve this issue as it now appeared that this was a data entry error on their end. They then advised they would not correct this issue unless I sent a letter and all of my documentation even though they confirmed they had the information in their system. I tried to print a copy of the dispute results from their site and had difficulty and had to call again to try to get access to that letter as they had never mailed a copy, they only offered electronic delivery which was not working. I tried to escalate the issue to a supervisor explaining everything that transpired and she then advised that even if I submit this information they will not correct it as they are stating the XXXX XXXX has placed a freeze on the account and that prevents them from correcting this erroneous information.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint.The fraudulent accounts are listed in the attachment. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the accounts listed are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  of  XXXX , I felt I had no choice but to walk away from my townhouse located at  XXXX , California. I had  XXXX  purchase mortgages for this townhouse, a primary and a secondary. Both were originated by the now defunct  XXXX   XXXX   XXXX , both allegedly transferred over to  XXXX   XXXX   XXXX  at about  XXXX   XXXX , and around  XXXX   XXXX , the primary mortgage servicing allegedly went to  XXXX   XXXX  and the second mortgage allegedly went to CCO Mortgage.  XXXX   XXXX  and CCO Mortgage were still servicing my primary and secondary mortgages, respectively, when I defaulted. I was told by   XXXX   XXXX   that I did not qualify for any of the HAMP or HARP programs, nor did either  XXXX   XXXX   or  CCO Mortgage provide any assistance in regards to a short sale nor a deed-in-lieu.  XXXX   XXXX  foreclosed on the townhouse in  XXXX   XXXX . On  XXXX  of  XXXX , I applied for a FHA mortgage since it appeared I would quality after just three years after a foreclosure. Through this process I found out the CCO Mortgage had since changed its name to Citizens One Home Loans and was continuously sending all three credit reporting agencies information that I still owed them {$41000.00} even though California is a non-recourse State. The credit union where I was trying to obtain the FHA loan through tried to assist by contacting   XXXX   XXXX    XXXX  who ended up conferencing me in with Citizens One Home Loans to request that the Amount Past Due to updated to $  XXXX  since my property was foreclosed on. The representative at  Citizens One Home Lo ans stated that I still owed the loan, but that they will not try and collect, and that they will continue to make that claim fo r 7 to 10 add itional years. In addition,  Citizens One  increased th he Balance Amount to  {$55000.00} after this interaction and continues to increase the  Balance Amount  on a monthly basis. I had filed a dispute with  Citizens One  and all  XXXX  credit agencies on  XXXX   XXXX , but all that resulted was for the  XXXX  credit agencies to put a fraud alert on my credit report and fo r Citizens One  to exceed the 30 day response period with a " We are still investigating '' letter.  Citizens One  has also exceeded the 15 day extension, which they should only have gotten had they received new information, which I do not believe has occurred. Citizens One is playing games with the Fair Credit Reporting Act and claiming that  I con tinue to owe them funds when the debt should have been cleared after foreclosure, based on California 's anti-deficiency rules. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my wallet taken and filed a police report. I did not know how to dispute information the right way. I finally received correct information and sent it to all three credit bureaus and all creditors. And it still remains on my file. They will not remove incorrect addresses and incorrect variations of names. This person or persons have been ruining my name for over 15 yrs I pay my bills and they go out and continue to apply and receive goods not authorized by me. I had my taxes taken every year and had to go to child support and get a refund judge gave judicial clearance because he put a warrant out she got sec 8 and all and I can not get my credit in order. They need to remove the items that do kit belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per XXXX.
Product: Debt collection

I have two collection accounts with Resurgent Capital Services under LVNV Funding both for a XXXX XXXX credit card ... ..Re : XXXX for {$1500.00} and the second one acct number XXXX. 
The first debt collector for both accounts was XXXX XXXX XXXX in which I will be sending in. 
In both debt validation letters sent to both debt collectors I requested the following not only according to FDCPA regulations but as well under the Texas FDCPA as well as the Texas Finance Code.

1. Agreement with the original creditor that authorizes you to collect this alleged debt ( FDCPA Sec. 1692f ( 1 ) as well as under the Texas Fair Debt Collections Act.

2. An agreement bearing my signature stating that I have agree to pay them for this charged off debt.

3. A payment history from the beginning of the debt showing the original debt amount as well as how the debt was incurred. New standards that were put in place by the XXXX XXXX in 2014 after entering a decision in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
4. I also requested the documents they must file with the Texas Secretary of State making it legal to collect in our state. 
I sent this request to them more than once as you can see from the letters I will be sending and their response to me was that they reviewed the file and found the debt was valid but did not provide me the information as per the FDCPA, TFDCPA as well as their legal authority to collect in my state under the Texas Finance Code. 
I recently learned they reported both of these accounts to the credit bureas in which I am in the process of disputing. 
I am sending you all the information pertaining to both accounts as well as the requirements under Texas and Federal Law.. 
I want the CPFB to review the federal violations they have committed and that this file be removed from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a dispute letter to Transunion LLC to verify some accounts on my report. I sent the disputes certified mail with return receipt, which they signed on XX/XX/XXXX. I had not received a response, so on XX/XX/2021 I sent in a second letter stating that they did not respond to my dispute and did not investigate my accounts. This was also sent certified mail with return receipt, signed on XX/XX/2021. On XX/XX/2021 they responded with a letter saying they were unable to locate my credit report dispute and that they were unable to locate a credit report for me. I do have a credit report with Transunion LLC as I could see it on different companies that supply a credit report and I do have accounts that are open that I know are reporting to Transunion LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. ALLY FINANCIAL XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Mortgage

Calling many times a day about payment that are n't overdue. XXXX is the number calling. Wo n't leave messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XXXX Equifax Information Systems Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below is not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : XXXX, {$370.00}. 

Thanks, XXXX XXXX
Product: Mortgage

I closed on a IRRL on XX/XX/2020. My original loan was with XXXX XXXX, and I received an offer to complete an IRRL through them. I first contacted XXXX XXXX via telephone and later received email communication from him with email address of XXXX. The next person to assist with the refinance was XXXX XXXX ( XXXX ). During the process of completing the refinance I was also changing my Home Owners Insurance to obtain a lower premium as the renewal of my coverage was going to be approximately {$700.00} more than NC stated the rate should be. I contacted my insurance agent, XXXX XXXX who was able to obtain a policy for me at a much more reasonable premium. After several emails back and forth between myself and XXXX, along with his assistant, XXXX XXXX, I received a confirmation email that XXXX had received all information needed to have the premium for my home owners policy at closing on XX/XX/2020. As stated at beginning of complaint, closing occurred on XX/XX/2020. On Monday XX/XX/2020, I was notified by my insurance agent that he had received a letter from my new Home Owner 's Insurance Company that my policy was cancelled due to non-payment of premium. My Agent sent me paperwork to sign, and I submitted payment for 3 months of premium to get policy re-instated. At that time I placed a phone call to XXXX and XXXX, leaving voicemail messages for both, and sent XXXX an email. With no response to voicemail messages left, or to the email sent to XXXX, on XX/XX/2020 I sent an email to XXXX, XXXX, and XXXX XXXX ( XXXX ) who was listed as XXXX 's XXXX at the bottom of an email from her. At that time I asked for clarification on why my insurance premium was not paid at closing as discussed and confirmed via email messages. I received an automated out of office response from XXXX stating he would be back in the office on XX/XX/2020. I did not receive any response from XXXX or XXXX. I called both XXXX and XXXX and left voicemail messages for them asking for a return call to discuss what occurred with my payment for insurance premiums. As of today I have yet to receive any response to my original email, I sent a second email yesterday to the 3 named persons again asking for a response to my original email sent on XX/XX/2020. This morning I sent a 3rd email requesting a response and sending notification that if no response was received by close of business today that I would begin looking into other alternatives to resolving my situation. As no response was received even stating that they were reviewing files to determine what occurred, I am now filing a formal complaint against Bayview Loan Servicing. I have copies of all email communication between myself and XXXX, XXXX, XXXX, and XXXX that can be provided if needed. My Home Owner 's insurance is to be paid out of escrow and it now appears that I will be required to cover the first year of premium out of pocket while paying into my escrow account to have it covered as well, an expense that I was not budgeting for.
Product: Debt collection

I have been contacted repeatedly by phone and by mail by XXXX XXXX XXXX, who say they represent Honda. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from Honda for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with Honda anymore.