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

on XXXX I sent dispute letters to Experian, XXXX, and XXXX to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2..XXXX XXXX XXXX 3.  XXXX 4. XXXX inquiry on XX/XX/XXXX 5.XXXX XXXX inquiry XXXX 6.XXXX inquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX 9XXXX XXXX XXXX inquiry on XX/XX/XXXX 10XXXX XXXX XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX XXXX : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All 4 XXXX XXXX accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting 6 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681
Product: Vehicle loan or lease

In XX/XX/XXXX, i called Global lending to make my normal monthly payment when a representative advised me that my account was CLOSED and my car principal was paid off and my title would come through the mail soon. ( I worked over seas at the time, so i was unable to retrieve any mail ). She did advise me of fees that were at the end of my loan that i would need to take care of ( late fees etc ). I asked her could i possibly make smaller payments towards those ( fees ) at a later time possibly XXXX $ per month and she said sure. At this time, Im am under the impression that my car principle balance is paid off, the title is in the mail and this car after 5 years is mine. I was aware of ( fees ) that i owe to this company for late payments and etc. but she told me the car principal balance was paid. On XX/XX/XXXX, my car was repossessed by this same company. I never received 1 call from them or letter but they picked my car up from my address. I was never made aware that my car was in any default status. I kept the same number for a year and it was discovered that during the course of that time i was not called. Im not sure if the representative intentionally gave me False or misleading information, however her negligence has cost me my vehicle and my financial reputation. I have been in contact with the company since the repossession and i have filed a complaint in this representative for her misrepresentation of my account. As a consumer, i feel as though my account was mishandled, i would have made a more educated decision if i was aware of the potential consequences of my account. In the year that this business took not reaching out and making me aware of my debt it caused detrimental damage. I pull my credit report regularly and this account stated closed as well as a zero balance online. This company should be held accountable for misleading consumers or not making sure their customers understand closing details and charge off statements.
Product: Credit reporting or other personal consumer reports

Experian continually updates my credit report with information to confuse information between myself and my husband. It has caused problems with accounts where my husband and I 's names, SSN, and DOB will get mixed together in certain situations. At this point, it will not even generate a credit score, and creditors think that I'm my husband as you have my name as an alias on his credit report and you have his date of birth on my credit report. Just because our names are XXXX and XXXX, it can't be this hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY XXXX5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there was a collection account listed on my Equifax report with XXXX, XXXX XXXX XXXX for {$470.00} on the updated report dated XX/XX/XXXX the collections account was no longer listed ; it had been deleted. Now as of today XX/XX/XXXX the account is listed again on my Equifax report with the same collection company and same amount. This information is from XXXX XXXX. Once a collection is deleted it should not be added back with the same information originally deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XXXX  report due to not having sufficient verification of debt. I disputed the debt with Experian and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.
Product: Vehicle loan or lease

I was not able to make payments on the vehicle due to my XXXX and becoming ill from XXXX. I also became XXXX and my car was my only place of stay. A payment arrangement was made and my car was still repossessed due to non payment. JD Byrider was notified and it is on file that they were notified of my conditions & sold at an auction for {$720.00} leaving my remaining charge off balance {$11000.00}. Also being discriminated against as a XXXX & XXXX American/Caucasian male.
Product: Mortgage

The mortgage company ( Roundpoint Mortgageg ) misread the Flood Insurance coverage dates for my condo and incorrectly determined I did not not have coverage. They subsequently purchased coverage for my condo and the entire association and increased my monthly payment by {$1000.00}.

The coverage is in place via the Condo Association. I have sent the mortgage company the the Flood Insurance policy the condo association has with proof of coverage. They have acknowledged receipt of the XX/XX/XXXX page. I have called numerous times and explained the situation the insurance coverage purchased by the mortgage company be removed and my monthly payment be corrected. I have been told that they will correct the issue and it is still not fixed. Dates below : XX/XX/XXXX - I first called to ask why my payment increased. They stated I did not have flood insurance. I told them this was purchased via condo assoc, They told me to send copy of policy. 

XX/XX/XXXX - Insurance Company sent me a confirmation that a copy of the policy had been sent to mortgage company via mail.

XX/XX/XXXX - I emailed a copy of insurance policy to mortgage company. I also called mortgage company and they said I also needed to submit escrow waiver request. So I also emailed escrow waiver request on XX/XX/XXXX.

XX/XX/XXXX - I received an email confirmation from Mortgage company that they had received the copy of the insurance policy.

XX/XX/XXXX - I called the customer service number and the rep said the account should be updated within 7 days. It was not.XX/XX/XXXX - I called the customer service number and the rep again said the account would be updated in 7 days. It is still not fixed. 


It has been over 45 days since I first contacted them and nothing has been resolved. This was their error to begin with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dispute of Civil Liability Pursuant to Section XXXX Dear XXXX, I am writing to formally dispute the claim of civil liability that has been asserted against me in relation to negative reports on my XXXX XXXX I believe this claim is invalid for the following reasons, particularly in light of the provisions outlined in Section XXXX of the civil liability pursuant. 

Below are the collection accounts that should be dismissed : XXXX XXXX XXXX, amount {$2700.00} XXXX XXXX XXXX, amount {$720.00} I respectfully request that you review the claim and consider the legal provisions outlined above. Given the circumstances and the information provided, I believe the liability claim is without merit and should be dismissed. 
Please acknowledge receipt of this letter and let me know the next steps in resolving this matter. 
Thank you for your attention to this claim. 
Sincerely, XXXX XXXX
Product: Credit card

I had, had a credit card with the company for a few years and my card was set to expire in XX/XX/2023. My card was totally paid off and had no balances. I called in XXXX when I didn't get a new card and I was told they were behind in getting the new cards processed and mailed to call back in XXXX weeks so I called the end of XXXX again I was told that they were behind in getting cards processed and mailed to call again. In mid XX/XX/2023 I received a text message from the credit card company that I owed XXXX  XXXX so I called and they said my address didn't match and I had to send in a copy of my driver 's license and a current utility bill before they would talk to me. I did this and I received a letter that they updated my address and when I called in disputing the charges by this time they are now {$280.00}. and I am told they will work out an agreement and I said for what I didn't charge anything so how can I owe anything O asked to speak with a supervisor and she said that all the charges are fees, and interest since XXXX and I asked how can they charge me for a card I never received or activated and I told them that they were the one 's that were behind sending out cards and I can't be charged until I receive and activate a card otherwise they were committed credit card fraud. They said they would waive some of the fees if I will pay half and I refuse to pay anything as they never mailed out a card the girl I spoke with before the supervisor said she never saw a card get mailed out. These people want me to agree to pay for something that I never got and I know we don't have a current contract since I never actually accepted or activated a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

California Business Bureau filed a collection record on my credit report. I called and provided my social number but they could not find my account have any outstanding balance. I receive a phone call next day from California Business Bureau stated that I have a hospital bill due back in XXXX which was paid back in XX/XX/XXXX. They did not verify the payment and affecting my credit.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan through  One Main Financial s ince it was recommended via   XXXX   XXXX   with " good approval odds '' and their website advertised pre-approval without a hit to your credit.     First lie was that it is not a soft inquiry. I was hit with a hard inquiry and several points off my credit.     Second of all, they said I was approved. When I called to proceed with the loan, the rep asked me for a title to my car. To my understanding, I did not apply for a title loan and this is not a title loan company, or so I thought. I told her I did n't have a title and I thought this was a legit bank, not a title loan company. She responded by saying " ok, have a good day '' when she quickly realized she was n't going to make a sale. So I began to ask her about their qualifications and what they 're looking for, because my credit is n't that bad. I was just approved a few months ago for a  XXXX  credit card through  XXXX   XXXX . She lied again and said she did n't see that credit card on my report. She would not answer my questions and I told her I felt scammed. They 're looking for people with titles, because anyone with better credit than I have would not be stupid enough to apply for a sub prime loan with 35 % interest.     I told her I wanted them to remove the inquiry from my credit because I applied with the understanding tha t 1 ) it was not a title loan, 2 ) that I had good approval odds, and 3 ) it would be a soft inquiry on my credit. She told me she would transfer me to a manager but then came back and said he was gone for the day - another lie, because I called back a few minutes later and asked for a manager and they put me on hold to go get him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please acknowledge and address attachment sent on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

experians has locked me out of my accounts and not giving my creditors my credit report clear violations of my rights and XXXX has done nothing to help me
Product: Mortgage

I paid my own insurance on my home it was XXXX with an escrow account then they sold my account to shell point mortgage servicing. I paid twice for the same insurance policy. I talk to a man at shellpoint mortgage servicing in escrow account dept. I email a copy of my paid insurance policy of $ XXXX I send my house payments they take out for the escrow of {$36.00} & my policy is paid up. I didnt get nothing from XXXX  telling me they had sold my account to shellpoint.
Product: Debt collection

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX  Balance {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

In accordance with 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency can not provide an account without my written consent.

Referring to 15 U.S.C. 1681c. ( a ) ( 5 ) Section, it prohibits any consumer reporting agency from including certain adverse information in a consumer report, except for criminal convictions older than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to any consumer reporting agency.

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX and account # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A seccin 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I paid off my XXXX XXXX bill several years ago which they have confirmed repeatedly. Over the years, various credit collectors seem to mysteriously pop up and claim I owe this money. I have disputed this numerous times, the matter gets resolved and the negative credit item is removed from my credit report, and then 1-2 years later, it reappears. 

The latest collection agency is XXXX XXXX XXXX. I do n't know who XXXX XXXX XXXX is, nor have I ever received anything from them. I DO NOT OWE them or XXXX XXXX any money. But this month I received an alert that they claim I owe XXXX XXXX {$98.00}.
Product: Credit reporting or other personal consumer reports

I signed up at Credit repair and was paying. They gave me an incorrect credit report and would not give me a correct report and when I cancelled the services they continued taking money out of my account.
Product: Debt collection

On XX/XX/XXXX, I received a letter in the mail from a debt collection agency, Credence Resource Management , LLC. Confused and bewildered, I open the envelope to find a bill that says an XXXX XXXX XXXX account was not only opened, but went unpaid and was sold into collections under my name. Apparently, the account was opened a year prior to me receiving the mail ( XX/XX/XXXX ). XXXX XXXX XXXX, XXXX, and XXXX are all in violation of multiple sections of the U.S.C. including 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1693a ( 2 ), 18 U.S.C. 1028A, 15 U.S.C. 1681n ( a ), 15 U.S.C. 1681b ( 2 ), 15 U.S.C. 1681b ( f ), and 15 U.S.C. 1681n.
Product: Mortgage

I have a HUD reverse mortgage. 
I have a negative balance of {$4900.00} to which I am paying {$89.00} per month. I am current in my payments. 
I had a fire to my home. The insurance has paid {$200000.00} which was submitted to Wells Fargo in XXXX. Wells Fargo is holding {$190000.00} and has released {$10000.00} on the condition that they will not release any further funds until the home is 50 % repaired. It is impossible for me to repair {$100000.00} worth of damage with {$10000.00}. Wells Fargo is stating this is HUD 's policy. Therefore I am unable to repair my home and Wells Fargo has not provided any solution while holding {$190000.00}. I have complied with every request from Wells Fargo and was advised that they were releasing {$49000.00}. It has been almost 4 months and I still can not begin repairs to my home because Wells Fargo is holding the funds.
Product: Debt collection

Comenity Bank for XXXX account is closed due to the company original company changing, so they closed it which was the grantor choice, but I was always making payments and this time missed a payment, finance charges/ interest fees/late fee charges for acct that's closed that I been paying on since 2020. Never rcvd letter it was even closing the acct. They have excessively repeatively contacted me and if you look at the history payments were on time, nothing reported as a non-payment on my credit report. This month they didn't tell me that they would report it to credit bureau and they did and that made me lose XXXX points. The payment was still made this month and it is not even XXXX for them to report a late payment or no payment for XXXX. I would like to file a complaint for them blocking their number to call me, calling me from 2-3 different numbers, and even after speaking to them that I was going to make the payment they still called me numerous times during the day, during the weekday everyday, and in on weekends. Even at night time, it was after XXXX or around XXXX a few times. According to FDCPA laws, you only can call me 7 times in a 7 day time period even if I answered or not. They are in violation. XXXX