23daVinci/CFPB_Complaints huggingface dataset:
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 : 1. Account name : XXXX XXXX, Account ID : XXXX 2. Account name : XXXX XXXX, Account XXXX Number 1 & 2 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: Mortgage

Land RECORD 'S manipulation. Someone removed an assignment of mortgage from my county Land file without the required court order to do so legally After finding this I also found that XXXX XXXX gave POA to NATIONSTAR MORTGAGE in the SERVICERS POSITION ONLY and NATIONSTAR MORTGAGE then ASSIGNED THE LOAN right back to none other than XXXX XXXX both of whom are under the XXXX XXXX XXXX UMBRELLA which speaks to self serving COLLISION between two entities from the same company!! 

I've filed complaints against NATIONSTAR MORTGAGE before as they are the most abusive debt collector of all the other bottom feeders This land records manipulation is a HUGE offense against the middle class homeowners in my county of XXXX NJ and must be fully investigated as it appears the county clerk herself is aiding and ABETTING this illegal activity. There are thousands of these ILLEGAL POA transfers between XXXX XXXX and NATIONSTAR MORTGAGE for the sole purpose of foreclosing on unsuspecting homeowners. They must be punished to the fullest extent of the law. My home is set for auction next week with illegally inserted assignments to new entities that I never contracted with. It's beyond abusive and illegal
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on Transunion I noticed a negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my Transunion credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report
Product: Debt collection

Subject : Formal Complaint Against LVNV Funding LLC for FCRA and FDCPA Violations To Whom It May Concern, I am submitting this formal complaint against LVNV Funding LLC for its continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting and attempting to collect on a fraudulent and unverified debt. 
Issues with LVNV Funding LLCs Conduct : XXXX. Failure to Validate Debt ( FDCPA 809 ) * LVNV Funding has failed to provide any documentation proving that I owe the alleged debt. 
* I have requested debt validation under the FDCPA, but they continue to report the account without proper verification. 
XXXX. Reporting Fraudulent Information ( FCRA 605B & FCRA 609 ( a ) ( 1 ) ( A ) ) * LVNV Funding continues to report a fraudulent collection account on my credit report despite my submission of an FTC Identity Theft Report and a Police Report. 
* No contract or proof of my obligation has been provided, which violates FCRA 609 ( a ) ( 1 ) ( A ). 
XXXX. Illegal Re-Aging of Debt ( FCRA 623 ) * LVNV Funding has changed the original delinquency date to extend the time the account remains on my credit report, which is an unlawful re-aging of debt under the FCRA. 
XXXX. Failure to Report Disputed Status ( FCRA 623 ( a ) ( XXXX ) ) * LVNV Funding has failed to mark the account as disputed even though I have formally disputed the validity of this debt multiple times. 
Requested Action from CFPB : XXXX. Immediate CFPB intervention to enforce LVNV Funding LLCs compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
XXXX. A formal investigation into LVNV Fundings collection and reporting practices. 
XXXX. An order compelling LVNV Funding LLC to cease all collection activity, remove the fraudulent account from my credit report, and provide written confirmation of its deletion. 
XXXX. Compensation of {$10000.00} for damages caused by LVNV Fundings negligence, unlawful collection attempts, and repeated violations. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Highlighted Credit Report with Disputed Account I urge the CFPB to take immediate enforcement action against LVNV Funding LLC for its continued noncompliance with federal regulations and for the severe harm it has caused to my credit and financial well-being. 
Sincerely, XXXX XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is XXXX the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Product: Debt collection

Repeated calls. Wants personal information before they can give you details including address Social Security number phone numbers full name. Very skeptical. Hung up the phone without giving them this information.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a Bank of America credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and XXXX and a status of CLOSED on Experian. There is NO payment history on XXXX, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and Experian reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Product: Debt collection

What Happened : I found an inaccurate item on my credit report listed under Collection Management, allegedly tied to the original creditor, XXXX XXXX XXXX XXXX. I have no knowledge of this debt or any dealings with XXXX XXXX XXXX XXXX. Additionally, I believe this account may have been accessed or reported in violation of 15 USC 1681b, as I did not authorize any such activity and have no contractual or legal obligation to this creditor.

The collection account details are as follows : Account Name : Collection Management Original Creditor : XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/year> Status : Collection account, {$1500.00} past due as of XX/XX/year> Balance : {$1500.00} Balance Updated : XX/XX/year> Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Actions Taken : 1. I disputed this account with XXXX, citing that it is inaccurate and not associated with me. XXXX failed to remove it or provide a proper resolution. 
2. The presence of this account on my credit report may violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which governs the permissible purposes for furnishing and using consumer credit reports.

Desired Resolution : I am requesting the CFPB to : 1. Investigate XXXX failure to act on my dispute regarding the XXXX XXXX account. 
2. Require XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to validate the debt and prove that they had a permissible purpose under 15 USC 1681b to report this account.

3. Ensure the immediate removal of this account from my credit report if it can not be validated or was reported without permissible purpose.
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in the attached documents. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Info was affected by the XXXX  breach. I contacted transunion and creditors in regards to inquirer that i didn't authorize even sent in information confirming i was affected. After to speak with several rep and supervisor they stated nothing could be done to remove the inquires. So this is why i reaching out to you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus on several occasions about the XXXX fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are third-tier credit reporting companies that also report information to the 3 major credit reporting agencies. They have been reporting fraudulent information to the major credit reporting companies. Help me force them to comply with the FCRA block section.
Product: Credit reporting or other personal consumer reports

XXXX have incorrect information on my credit report. 
And they doesn't want to fix it. 
I sent two disputes and they don't want to solve the problem. 
they have my day of birth incorrect my name incorrect. 
and they are putting a debt that does not belong to me XXXX dollars of a car loan I called the XXXX XXXX and they don't want to fix the problem either. 
I am not a customer and I do not have an account with them autonation financial. 
What should I do to solve the problem.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX was a predator company who offered several automated services for passive investors. I invested in their trucking automation package. I sent them start up money in the amount of {$35000.00}. The money was sent via wire transfer through Truist Bank to XXXX XXXX XXXX Bank. Truist failed to protect me from this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I have a discrepancy with the accuracy of my credit score reporting on the Transunion website compared to whats being presented when banks and creditors access my credit report when applying for credit. I paid for my credit score access From Transunion on XX/XX/year> at it was presented as ( XXXX ). Then, I promptly went to the XXXX XXXX  website and applied for a credit card, to which I was denied and the reason was stated as my credit score was too low. XXXX XXXX documented my score as ( XXXX ). They also stated, my score was accessed from Transunion. This credit card application denial and conflict in scoring as referenced above is devastating to me and my family. I only applied for credit because of what was reported to me by transunion. I was misled and exploited by Transunion reporting inaccurate, false and misleading information. This is a violation of the FCRA
Product: Mortgage

Rushmore Servicing XXXX : # XXXX XXXX XXXX XXXX ( XXXXXXXX  ). 

Heres a draft of the complaint you can file with the Consumer Financial Protection Bureau ( CFPB ) : **Complaint Details : ** I am writing to formally file a complaint regarding the mismanagement of my escrow account by my mortgage company, which has caused significant financial harm and stress. 

1. **Payment Amount Misrepresentation : ** My monthly mortgage payment is {$15000.00}, which was supposed to include my property taxes and insurance as part of the escrow. However, I recently discovered that neither my property taxes nor my homeowners insurance have been paid as agreed. 

2. **Misleading and Inconsistent Communication : ** - The first time I called the mortgage company to address this issue, a representative assured me that they would resolve it by sending the necessary payment to the IRS . 
- The next day, when I followed up, another representative contradicted this, stating that my payment does not include property taxes. 

3. **Unexplained Escrow Surplus : ** - I questioned why my payment remains at {$15000.00} and why my escrow account has a surplus of {$30000.00} if property taxes are not included. 
- The representative claimed the funds were allocated for insurance. However, my annual insurance premium is approximately {$3000.00}, which does not justify the large surplus in the escrow account. 

4. **Failure to Provide Answers and Follow-Up : ** - The representatives were unable to provide a clear explanation for the discrepancies in my escrow account. 
- I was promised a call back, but no one has contacted me to resolve these issues. 

5. **Resulting Financial Harm : ** - My property taxes are now delinquent, and I have incurred late fees as a result of the mortgage companys failure to fulfill its obligations. 
- This mismanagement has caused undue financial stress and put my property at risk. 

**Requested Resolution : ** I am requesting the CFPB 's assistance to investigate and hold the mortgage company accountable for : - Providing a detailed and transparent accounting of my escrow account, including all funds collected and disbursed. 
- Immediately paying all outstanding property taxes and insurance premiums as required. 
- Reimbursing any late fees or penalties incurred due to their failure to pay my taxes. 
- Ensuring compliance with escrow management regulations moving forward. 

Thank you for your attention to this matter. I look forward to your guidance and resolution.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my credit report added without my consent. Please block and remove them.
Product: Checking or savings account

Monday, XX/XX/2023, I received a XXXX XXXX card in the mail from Payactiv. I did not request this card nor did I open an account with them. I believe this was fraudulently opened in my name. I contacted Payactiv to report the fraud and close the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.