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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposed to modify accounts that aren'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 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 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: Debt collection

I was contacted by a lawyers office that gave me the last XXXX digits to an account, I do n't recall having back in 2008. The lawyer stated they were coming to my job to serve me papers, but could not give me a phone number for the company that hired them. I ca n't seem to locate any legitimate way of contacting Imagine XXXX XXXX. I have searched for the website myimaginecard.com as well as a phone number to contact these people. I was also told by the legal office that the Debt collector contacted me via postal mail at my address, and they did not receive a response. No mail or correspondence of that sort has been delivered here.
Product: Debt collection

I do not know the person they keep trying to contact. I had this phone number for at least 7 years and I have never know any XXXX XXXX whom they are trying to contact. I did talk to the person who keeps calling and advised them that I am not XXXX XXXX, I do not know who he is or how to contact him. I was advised that they will take my phone number off their list but I continue to receive their calls ( for about a year now )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections account # XXXX in the amount of {$570.00} from XXXX XXXX XXXX on my credit report in error.
Product: Debt collection

a representative from World Finance called my mother, a reference on my application and told her the total amount owed, the amount thats past due, the payment that needed to be made, how many months I was past due and told her I havent made a payment in XXXX months. This was illegal and never should have happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion and XXXX regarding their unlawful actions and inaccurate reporting of my credit account with XXXX XXXX. Despite my repeated efforts to rectify the situation, TransUnion has persisted in reporting my account negatively even after I filed a XXXX XXXX XXXX with XXXX XXXX. This has resulted in severe XXXX XXXX and an inability to terminate my contract without further detriment to my credit report. My grievances against TransUnion are outlined as follows : XXXX. Violation of Consumer Rights : TransUnion and XXXX 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a XXXX XXXX XXXX  with XXXX XXXX, TransUnion has continued to report my account negatively, obstructing my ability to exercise my legal rights. XXXX. Inaccurate Reporting : TransUnion and XXXX persistently reports me as late on payments to XXXX XXXX, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. XXXX. XXXX XXXX XXXX : TransUnion and XXXX 's continuous negative reporting has subjected me to relentless XXXX XXXX XXXX from XXXX XXXX. Despite my XXXX XXXX XXXX, XXXX XXXX refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. Furthermore, on XX/XX/XXXX, TransUnion and XXXX reported a late payment to XXXX XXXX and XXXX, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although TransUnion and XXXX corrected the status the following day, my XXXX XXXX on XX/XX/XXXX erroneously shows late payments of XXXX days, causing me considerable XXXX XXXX. I am invoking my rights under 15 U.S. Code 1640 and XXXX CFR Part XXXX ( Regulation Z ) to seek civil liability against TransUnion for their unlawful actions. I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against TransUnion for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that TransUnion be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. Attached is relevant documentation, including correspondence with TransUnion, XXXX and XXXX XXXX, to support my complaint. Please feel free to contact me if additional information is needed. Thank you for your attention to this urgent matter.
Product: Mortgage

Roundpoint Mortgage is not respecting Consumer Finance Company, even if I go through you, Consumer Finance Company.

I think Consumer Finance Company should exercise its Powers, so that Roundpoint Mortgage satisfies the Customer.

It is my Rights to get the Amortization Statement which will tell when my Loan will end, the REAL Date.

Roundpoint is not doing that.

They simply give a Statement which is not Real Amortization Statement We have been paying Additional {$500.00} Towards the Principal.

Why we pat like this? To Reduce Our Loan Period. 
Roundpoint is not subtracting is {$500.00} in Every Month, and so this does not give the REAL MATURITY DATE. 
Can you ask them to get educated and get the Tools to do that as a Finance Company they should do that I repeat Consumer Finance Company should exercise its Powers, so that Roundpoint Mortgage satisfies the Customer.
Product: Credit reporting or other personal consumer reports

I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. XXXX  in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.
Product: Mortgage

XXXX, 2024 we began the process of a cash back refinance with a VA loan. using XXXX XXXX Bank, XXXX Oklahoma. Our loan officer was XXXX XXXX. After preapproval the application process began. 
On XX/XX/XXXX an e-mail from XXXX stating we had conditional approval. XX/XX/XXXX My wife and I were called into a meeting with XXXX and turned over our abstract, and the loan papers for the VA loan was in progress. The next day I was instructed to pay {$700.00} for an appraisal fee, and I had to use a credit card. I complied. However, this was an undisclosed financial obligation. 
On XX/XX/year> XXXX mail from XXXX stating the VA loan would not work for cash back and ordered a different appraisal for a conventual loan. Our intent was for a VA loan. 
On XX/XX/year> XXXX informed us that only appraised for {$130000.00}. I informed XXXX that our home according to XXXX XXXX is worth {$200000.00}. I find this to be questionable business. We requested our abstract back and i was informed that the bank has sent it off to a XXXX XXXX. we had not signed any papers or contracts for the XXXX work to begin. 
Our abstract is currently at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cost of returning my abstract is {$600.00} plus {$1300.00} for lawyer fees. 
I am requesting my abstract to be returned without fees from First United Bank XXXX Oklahoma.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone that I don't know created multiple credit card accounts without my permission. I am suffering from identity theft. I discovered this problem after reviewing my credit report when I was planning on purchasing a new home. 
I don't have any clue or leads where this crime may have occurred. To resolve this problem, I written a letter to credit bureaus and I filed an identity theft report to Federal Trade Commission. Even though I have submitted what I can to three credit reporting agencies, all three companies are still reporting few accounts without validating and verifying account 's originality. I have requested to provide and reviewing the following documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents from the creditors nor the credit reporting agencies. It is a clear violation of FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ADDRESS 1. XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I had got XXXX XXXX and then lost my job and ive tried to work it out with XXXX XXXX and i got run arounds from i had a fha loan and now its different i have been told some many thing and yeasterday i find out its a private investor thats has my mortgage
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry Dear Sir/Madam , I am writing to formally dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681b, a credit report can only be accessed for certain permissible purposes. I believe that the inquiry made on my credit report was not authorized by me and does not meet the permissible criteria under the law. 

Here are the details of the inquiry I am disputing : Date of Inquiry : XXXX XX/XX/year> ] Inquiring Party : [ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize this inquiry and have not received any communication from the above-mentioned party regarding this request. I am requesting that you investigate this matter and remove the inquiry from my credit report if it is found to be impermissible.
Product: Debt collection

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank is the servicer for XXXXXXXX XXXX  XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Product: Credit card or prepaid card

Was notified via phone message from " American Express fraud department '' someone had tried to open an account in my name, was asked to verify my social security number, name, and date of birth. After two attempted phone calls back to American Express, I retrieved a safe phone number I thought from American Express website I did verify my name, date of birth, and only the last 4 digits of my social security number. The date was XX/XX/2021. 
I ran a credit report today XX/XX/2021, it shows a " Hard Inquiries '' on XX/XX/2021, from AMEX as well as XXXX XXXX/XXXX  on the same day. I did NOT request to open either of these accounts. 
I will attempt to notify American Express again. 
Thank you
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT XXXX  DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE XXXX  DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated.
Product: Student loan

I requested an In-school deferment waiver. Mohela sent me the form. I signed the form and uploaded to Mohela 's online portal on XX/XX/23. I was told by customer service that it would take 30-45 days to process. It is past 45 days and it still has not been processed. I do NOT want to be in deferment. I never requested to be in deferment. When they automatically put me in deferment, they back-dated it to XX/XX/23.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX  ACCOUNT : XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD.
Product: Debt collection

Bank of American failed to properly process the forgiveness amount for my PPP loan in the amount of {$17000.00}. I submitted the appropriate documentation multiple times, however Bank of America would lose it and would miscalculate. Attempts to remedy and contact Bank of America would only be answered once a month, at best, when new information was submitted. They undercalculated my forgiveness amount. Additionally, when I asked for an extended repayment plan, which is a federal regulation, they did not respond to my requests. No communications have been received and they are difficult to reach when requested involving my PPP loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX/ CITIZENS, yet XXXX/ CITIZENS is not removing this fraudulent account. XXXX CITIZENS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX/ CITIZENS has refused to do this. The following is the fraudulent account : XXXX/ CITIZENS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 times explained to transunion and equifax about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, XXXX, XXXX, and Transunion have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.
Product: Credit reporting or other personal consumer reports

I have requested the company to help me out but I have tried almost six months with this I sent a letter in XXXX with the next statements and the documents attached and still nothing XXXX XXXX XXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided.

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report.

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 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.