23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX Account # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I recently did a review of my credit report and noticed I had fraudulent accounts on my report. I disputed the account but it remains on my credit report. Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, 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 of complying 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 failed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Allianceco Is reporting the exact same account two times on each of my credit reports this as we all know is a violation of the FCRA and is also a {$500.00} violation each time inaccurate information is purposefully reported to a credit bureau - This mistake has been pointed out to Allianceco multiple times in writing and they still are reporting this account more than one time to each of the three major credit bureaus - I will not hesitate to attempt to collect the compensation money due to the FCRA violations if the mistakes are not corrected. The accounts are XXXX XXXX Clinic and the same XXXX XXXX clinic the account numbers have not been provided to me upon request.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Mortgage

In XXXX XXXX XXXX wells Fargo illegally foreclosed on my mortgage. I had applied for Obama relief and was told not to make a pymt cuz had to be in default to get relief approved. About XXXX months later I was told I could not get Obama relief cuz my ex-husbands name was on loan but not on deed which was not true but cuz it was a new program I didn't know nor could I find out it wasn't true. Received foreclosure letter from trustee when loan was XXXX months behind. Took me several times and attempts to contact trustee. Finally 12 days prior to sale which was 127 days of no pymt, or approx 4 months I was able to speak with person handling my loan at trustee office, told her I could make pymts to date right then or pay off loan but would take me till begin to mid XXXX to liquidate assest to do complete payoff. She said should not be a problem she would contact lender and let me know and ask foreclosure proceedings would stop. Surprise and to my shock my house still sold on auction 12 days later which was not publicized in paper 3 times as required. I found foreclosure date on trustee website but no where else. I did not know it had actually been auctioned off even though I was told it would not be cuz I could correct loan or payoff, i found out still auctioned when company who bought came and gave me their business card in my door. Hired a lawyer but XXXX does not do recourse on foreclosure auctions. Asked for proof of publication several times, never produced. Wells Fargo admitted to making errors and should not have foreclosed but did not offer no correction actions. I never received any documentation I asked for including proof of publication of notice of sale. They may ignored me. I had to buy my house back for XXXX in XXXXXXXX XXXX XXXX from company who purchased at auction for approx. XXXX. I only owed approx XXXX on mortgage. They are scandalous and deceive people. I believe they got the Obama relief and still foreclosed. My attorney and even wells Fargo started has negligence on handling my mortgage but that was it ... since no recourse on foreclosure in XXXX I was screwed. XXXX didn't attempt to correct or make anything right with me. I had excessive stress, financial hardship, credit issues, and lost over XXXX just to get my house back not even month after they wrongfully foreclosed.
Product: Credit reporting or other personal consumer reports

I believe my I believe my identity have been compromise leading to several a credit report that Im not familiar with. I have requested information from these companies from various amounts ranges from XXXX XXXX XXXX. I want even {$4000.00}. Neither get back with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE  CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY XXXX XXXX AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EXPERIAN : XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX  XXXX, XXXX XXXX CARD THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.
Product: Credit card or prepaid card

It has come to my attention that Alliant may have added new stipulations to the rewards program that in order to earn 2.5 % cash back that there must be a monthly deposit to the savings account? I did not receive notice of this change, assuming it has changed.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage servicer assigned me to two account representatives who refuse to return my calls, and no one else at the company has the authority to help me resolve my issue. Background : I was notified of an escrow shortfall of almost {$10000.00} that had been accumulating for more than a year on my account. I received notification by regular mail on XX/XX/XXXX that as a result, my payment will increase on XX/XX/XXXX from {$2400.00} to {$3800.00} to cover the shortfall. Through my own research I discovered that in a HAMP refinance, the prior servicer failed to account for my full annual property tax, and my payment was calculated too low. I never received any escrow statement from the prior servicer ; my loan was transferred to a new servicer in XX/XX/XXXX, and I also never received any warning of a shortfall from the new servicer until XX/XX/XXXX. I immediately began calling to resolve the issue and was informed that generally shortfalls can be spread over a longer period of time, but XXXX XXXX and XXXX XXXX would be the only people who could discuss the matter with me. I have left each of them at least 10 messages, at least once per business day, since receiving the notice. I have also written and emailed the company with a proposal to extend the payment schedule. Furthermore, the company has failed to credit a timely payment lost by the prior servicer and acknowledged as a correction by the prior servicer, which would serve to offset some of the shortfall. To date I have received no return phone call nor any return email or letter. This morning I was informed by customer service that XXXX XXXX is no longer with the company, so now there is only one person - XXXX XXXX - who can help me.
Product: Debt collection

When living in the apartment of XXXX XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. 

Can you PLEASE assist me with helping dispute this item on my credit with Equifax and XXXX. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. 

Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX   Agency name paid in full to : XXXX XXXX. 
Sub # XXXX Date Assigned XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( Experian, XXXX and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Product: Money transfer, virtual currency, or money service

So basically my account was hacked and over {$3000.00} was taken from me. I reached out to cashapp to see what I can do to get my money back but I had no luck
Product: Vehicle loan or lease

When I first got my car it was XXXX for a XXXX XXXX XXXX that I got in XXXX I was making payments of XXXX every month up until after I was making my payments my balance was just getting higher and higher and every month since XXXX they still charging me and running up the balance credit acceptance never reached out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking for validation on this account to prove that I was ever late, it shows XXXX times, but I never was, I've sent letters asking for validation and proof of said late payments with no response, just keep getting ignored.
Product: Debt collection

I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.Screen shut does not constitute a validation, you have to provide me with document with my signature on, cancel check, payment records and all according with FDCPA and FCRA, failure to provide these may result in litigation that could ward me with {$1000.00}, per item.
Product: Debt collection

I called because they never notified me about this account. When I did call I was met with threats and he said XXXX XXXX XXXX XXXX get the money and I better have a good lawyer. Then he disrespected my ancestors and said I better ask them for a lawyer. He became very aggressive towards me and I filled a dispute because the amount is way off and they are adding stuff on for own benefit. I feel threatened for my life at this point. This account needs to be removed from credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inaccurately identified that my mortgage account went into foreclosure. I was in the process of a loan modification ( HARP ) and then decided to sell, as I was closing on the sale, they misidentified the account as in the foreclosure process and have consequently added this to my credit report which is adversely affecting my ability to obtain a mortgage.
Product: Debt collection

I contacted ( 2 ) collections agents Afni, Inc and XXXX who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX  ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to Afni, Inc and XXXX ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
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 name XXXX XXXXXXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number 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 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: Credit reporting, credit repair services, or other personal consumer reports

This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XXXX XXXX, XXXX, I discovered that XXXX XXXX account number XXXX opened XXXX XXXX, XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XXXX and XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
Product: Mortgage

I have a new loan through Guild mortgage. I have a payment that is part of a buy down from my original loan. I paid twice in XXXX for XXXX. They said they would apply it for XXXX when they went to correct it. They took the main payment away and the XXXX payment away, and it reported me to the agencies stating that I did not make any Payment. The claim to fix it has been ongoing stating 24 to 48 hours for fix then 10 to 7 days to fix and now we are well past that and have started collection processing. I have statements that will state both my payment and the receipt of that payment. They made a posting or my money has disappeared, and I need resolution to this as soon as possible.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was made aware of a negative issue on my credit report. 
Was denied credit. 
The collection company is Midland dept Collection.

The account is over 12 years old. 
XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I visited the XXXX website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.
Product: Payday loan, title loan, or personal loan

I faxed a letter revoking permission to withdraw payment from my bank account yesterday and they went ahead and made the automatic draft today anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Product: Debt collection

I XXXX XXXX XXXX disputed this debt XX/XX/2021 thru the credit bureaus. It came back noted it was valid and accurate. Around this same time XXXX XXXX XXXX noted me and my mother shouldn't be charged the over {$1900.00} listed but {$180.00}. This hasn't been reflected on XXXX, XXXX, or XXXX files. I am still in XXXX  and this has been detrimental to my quality of life. I want this correctly so I can pay this off and move on with my life. This has been a knife in my side for over 3 years.