23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate! 

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report. 

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 

I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.
Product: Debt collection

I have tried several times to dispute the information on my credit report from this company. Through both the credit bureaus and directly from the company. I asked for a debt validation letter which they did not provide. They never sent me any initial letter showing that they are trying to collect on this debt. It just appeared on my credit report. Also it is my understanding that this company is not licensed in my state to collect debt in my state. This company has also had to pay millions of dollars in fines for illegal debt collecting practices and illegal credit reporting practices by violation the FCRA. 

two accounts {$790.00} {$1000.00}
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

Stop reporting this account for inaccuracy XXXX  XXXX the date last active is not consistent between all 3 bureaus : XXXX reports XX/XX/2020, XXXX reports nothing, and TransUnion reports XX/XX/2020. How does this meet FCRA regulations when all data furnished should be the same? Also, this account was never verified. Due to violation of 15 US Code 1681a ( 4 ) I am demanding that this account be removed. If this is not removed within 15 days I will be taking this to small claims court. I am not asking for the information to be updated, I am requesting that it is removed due to incorrect reporting. Please see a copy of my credit report attached.
Product: Mortgage

My wife and I file a application for mortgage assistance/modification thru Wells Fargo for we were unable to maintain a {$1600.00} monthly payment which has now been raised to {$1900.00}, for I have retired some two years ago, and now living on a pension and social security and my wife receives XXXX with a net income just over {$70000.00} and we still have XXXX XXXX children living at home attending XXXX XXXX of which XXXX are XXXX getting ready to enter XXXX of which was well defined in my application and my wife 's XXXX was defined and pointed out in the application. The first application was filed on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage and the sender was XXXX XXXX XXXX Home Preservation Specialist XXXXXXXX XXXX  or faxXXXX, and the letter stated based on the documentation that I had provided that my monthly income before taxes, and other deductions was adequate to make this monthly payment. Upon learning the decision I placed a call to XXXX XXXX and his advise was to file again, and on XX/XX/XXXX I filed another application to the same person only to receive on XX/XX/XXXX the same response that we had adequate monies to make this payment of which had been raised to XXXX monthly of which XXXX never made reference to that figure only the {$1600.00} which led me to believe that he had never read the second application. Our financial monthly income/expenses clearly pointed out that we were not able to continue with this large of a payment when all we need was just to modify the loan of which we have a {$28000.00} balance against a home that appraises just over {$180000.00} per Wells Fargo. I hope you can help with this injustice against XXXX XXXX XXXX of which one is XXXX.
I hope this letter can help not only XXXX and myself, but anyone else that may be receiving the same injustice.
Thanks XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$100000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$820.00} Late/Open Late Over 120 Days XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$100000.00} XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX IN XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX XXXX  Account Number X Open Date XX/XX/XXXX Balance : {$820.00} Late/Open Late Over 120 Days XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$100000.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved
Product: Debt collection

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Ive received 2 voicemail 's from the XXXX XXXX XXXX representing XXXX in regards to a debt for my business. I called and spoke with XXXX, who stated that I owed a debt from a policy that I had from XXXX XXXX to XXXX XXXX. I had no knowledge of the debt so I asked for additional documentation. He could not provide that but offer to give me the contact of the debt collector. The gentleman by the name of XXXX XXXX was rude and could n't provide any additional information in regards to this policy/debt and asked me not to contact him anymore. Both parties will not send any documentations and I will not claim a debt that I have no documentation for. I have included the times and dates of our conversations. 
XXXX Voicemail ( Law Firm ) XXXX Voicemail left by XXXX ( Law Firm ) XXXX ext XXXX Case # XXXX Policy # given XXXX XXXX/XXXX/XXXX Phone calls between myself and XXXX XXXX Phone call between XXXX ( XXXX contact ) , contact # XXXX Please investigate this matter
Product: Student loan

I had applied to the SAVE program with Nelnet and was approved on XX/XX/XXXXXXXX  with a monthly payment of {$0.00} ( see attached ). I was then placed on an administrative forbearance where interest was accruing on my account daily. The notice originally said that the SAVE plan would begin XX/XX/XXXX, and that would begin my monthly {$0.00} payments where all accrued interest for the month would be removed. I was still in administrative forbearance through XXXX and then XXXX, with interest continuing to accrue. I submitted a prior complaint to CFPB and Nelnet responded and also gave me a notice on XX/XX/XXXXXXXX  saying that my SAVE plan would now begin XX/XX/XXXX ( see attached ). Meanwhile, interest is still accruing. It is now XX/XX/XXXXXXXX  and my account still says that I am in administrative forbearance and interest is still accruing now. I am not sure what to do at this point, as it has been more than 4 months since I have been approved, and yet I am in administrative forbearance still accruing interest even after my {$0.00} payments were scheduled to begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Product: Credit card

Capital One reported a 30 day delinquency on my account. However, they had sent the statement to my old address, AFTER they had already been informed of my new address. 
I 've attempted multiple times to get them to remove the delinquency as it was their fault for sending my billing statement to my old address. I 've attached a copy of my XX/XX/2015 Capital One statement showing they were aware of my new address prior to the billing statement for the " delinquency '' being sent.
Product: Mortgage

I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Mortgage

Ive had several processing issues with making payments to my mortgage service lender Dovenmuehle Mortgage Company. Starting since month 1, in XX/XX/XXXX. They dont accept debit cards. So I could only pay via ACH. Several times I called in to check on the loan and they then expressed it didnt post. 2 months into my new loan they told me I can only make payment via XXXX. This causes inconvenience and extra fees. In XX/XX/XXXX, I called to set up an arrangement because I had an issue/change with my company pay. I called XX/XX/XXXX to request 10 days extra. The rep told me she couldnt help me. She said she would send me a hardship request. I asked if that would help keep my credit payment on time. She said no. I paid XX/XX/XXXX and XX/XX/XXXX the full payment. Then the lender reported a late payment anyway on XX/XX/XXXX. I then made another payment on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I requested the company to review and remove the late payment on credit and they then decided to send the hardship request on XX/XX/XXXX but it was dated XXXX XXXX was way after the date the lady said she would send the packet. Clearly I no longer need the hardships request if Ive made 3 payments. They sent me several letters dated for XX/XX/XXXX but the Envelope is dated for XX/XX/XXXX and XXXX. This mortgage companies makes it extremely hard to make payments and then when customers request what their options are for arrangements they lie and say they are none and they ask all these questions about your current financial situation only to not help. They also dont send out the documentation they claim is needed to help you. Sending something 4 weeks later is unfair. They also add erroneous fees to your statement like home inspection and states they routinely can add these fees without notification of why. When I inquired on XX/XX/XXXX about this fee I was told they had someone come to my house and make sure I live therebut I live in a gated community so they cant gain access unless they call me. No one ever called me to communicate this. This company is very sneaky and has unfair practices that are only in their favor. They purposely will work against you even if you communicate with them. I wish I would of known how horrible this lender servicer was prior to applying for my mortgage. This lender servicing companies has XXXX stars on XXXX. Says a lot about their practices. They reviews all state the same thing.unfair tactics when it comes to payments and credit reporting.