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

I recently submitted a dispute to XXXX on XXXX XXXX about a debt collection account being inaccurately reported on my credit report. It has been more than 30 days since I filed this dispute and I have not received any proper information that's there has been a Theral investigation. My identity has been at risked because of this company inaccurate reporting and has been destroying my reputation. I have not given XXXX, XXXX or Experian any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. 

I would like to request the collection be removed. These reports are impacting me negatively which makes it extremely hard to get a vehicle for me and my family. I would like to request proof of any written authorization each credit reporting company has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. XXXX has been giving more than enough time to conduct a proper investigation to validate the account and has failed. I demand that this account along the others should be removed immediately. 

1681i ( A.5 ) says that after the reinvestigations... all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. '' Pursuant To 18 USC 8, I Owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 [ XXXX XXXX XXXX XXXX ] Account Number : [ Account Number ] [ [ collection Debt owed : {$740.00} ] [ Original creditor : XXXX XXXXXXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ collection Debt owed : {$510.00} ] [ Original Creditor XXXX ] [ XXXX XXXX  XXXX ] [ collection Debt owed : {$2400.00} ] [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received A letter from Equifax stating that the ( XXXX XXXX XXXX ) was Verified. However, if XXXX XXXX had these accounts removed off My credit report therefore it was nothing to Verifie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
GA XXXX FIN XXXX Balance : {$3600.00} GA STND FIN XXXX Balance : {$3600.00} XXXX XXXX FIN XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

Hello and good day, please take this complaint seriously as this has caused me undue stress and XXXX  because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent XXXX XXXX XXXX in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.
Product: Debt collection

FABCO has been harassing me via my cellphone, mail as well as my consumer report. They are attempting to collect an alleged debt that I do not owe them. Further more I have NEVER signed ANY contracts with FABCO, done ANY business with FABCO nor did I consent to them having any of my personal and private information. I don't know who these people are but they will not leave me alone and they will not remove their Derogatory remarks off of my consumer report which is causing me harm as I am house hunting for my family. They are making it extremely difficult for me to find housing. I am XXXX and I am being further injured due to this matter and I need this handled in a timely manner. I also believe that fraudulently obtained my social security number. Please audit and investigate this matter. Again I have never done business with these people and need to know where and or who they obtained my information from without my consent.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 .

This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove.

Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802, 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Product: Vehicle loan or lease

TD AUTO FINANCE is claiming that I owe an alleged debt of {$42000.00} which I, the consumer believe and do so believe this debt has been already paid for. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am also aware that TD AUTO FINANCE is a creditor pursuant to 16 CFR 433.1 ( c ). I, the consumer, has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from TD AUTO FINANCE is a billing error. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) the term billing error means a reflection on a periodic statement of the creditor 's failure to properly credit a payment to the consumer 's account. TD AUTO FINANCE has failed to properly credit all of my payments. I also have reason to believe and do so believe TD AUTO FINANCE has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged auto loan debt from TD AUTO FINANCE has already been paid for. I, the consumer, has reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with TD AUTO FINANCE is an open end credit plan which means I, the affiant should not have to pay any alleged debt that, TD AUTO FINANCE claims that I owe. I, the consumer, is aware that TD AUTO FINANCE may not try to collect any portion of any required payment that the consumer believes is related to the disputed amounts pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Lastly, I, the consumer, is aware that according to my certified XXXX XXXX XXXX from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, doesn't have to pay this alleged debt that TD AUTO FINANCE claims that I owe. See attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Wal-Mart credit card was obtained my personal information. When the account was opened XXXX XXXX was the card issuer. However at some point the account was sold to capital one. I have disputed this account with Capital one and they have ruled in my favor however XXXX XXXX or Capital one is still reporting the account information. I have reached out to. Both companies on several occasions but have yet to receive a response. I am requesting that this account be removed from all major reporting agency by whichever company is still reporting this inaccurate information.
Product: Mortgage

Complaint is against Seterus who refuses to cancel PMI and I have reached out to them on XX/XX/XXXX only with them to reply that I was 30 days behind on my XXXX payment. I sent this letter to them : I am in receipt of your letter dated XX/XX/XXXX. Wherein you stated it was determined that your loan does not meet the necessary requirements for private mortgage insurance ( PMI ) cancellation, therefore, we must decline your request. Furthermore, you stated to qualify for PMI cancellation, you must demonstrate a good payment history over the most recent on-to two-year period. The XX/XX/XXXX installment payment was received more than 30 days past due ; therefore, you have not satisfied the payment history requirement. This is an incorrect statement because as you are aware ; we have never been late within the last two year period. The XXXX loan payment was drafted from our XXXX XXXX XXXX account on XX/XX/XXXX which is confirmed by your own authorization letter dated XX/XX/XXXX Confirmation number XXXX which is enclosed for your review. Additionally, your own correspondence letter dated XX/XX/XXXX responding to our correspondence to you regarding the unprofessional treatment received by one of your representatives. That letter is also enclosed for your review. On paragraph 5 of that letter you wrote : We received your payment of {$1500.00} on XX/XX/XXXX which was applied to your suspense account. So again lets be clear we have not been late as I indicated in my previous letter. In another conversation with XXXX XXXX on Mon XX/XX/XXXX, she advised the XX/XX/XXXX payment was not applied or held in suspense for an unknown reason but she sent an email to have the funds diverted back to the account. We have met every condition to cancel the PMI which states the loan-to-value ( LTV ) must be 80 % or less based on the property type which is FIXED, origination date and value of the property. We requested in writing to cancel PMI, submitted the cancel request form and included the {$350.00} check to cover the cost of the appraisal fee. Under federal law, PMI will automatically terminate on the termination date if it was not previously cancelled and you are current on your mortgage payments. For a fixed-rate loan the termination date is the date on which the principal balance of the mortgage is first schedule to reach 78 % of the original value of the property securing the loan, based solely on the initial amortization schedule for that mortgage, irrespective of the outstanding balance for that mortgage on that date. This information taken from your Annual Notice Concerning Private Mortgage Insurance letter dated XX/XX/XXXXwhich is enclosed for your review. The original Value on DLS : {$300000.00}. My wife is currently undergoing treatments for XXXX XXXX and we are not looking for any handouts. We just want you as a servicer to do what is legally right and cancel the PMI so that extra money can help cover the medical costs, deductibles and medicine that is not covered under her medical insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it on my credit report!!!!
Product: Credit reporting or other personal consumer reports

I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, My account with XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Product: Student loan

Date : Thursday XX/XX/23 at XXXX XXXX Amount : $ XXXX Subject : Urgent Issue with Loan Transaction History and Incorrect Balance Reporting I need immediate assistance regarding my student loan account. Following a recent system migration notification, my transaction history vanished, rendering it " unreachable. '' Despite contacting customer support, the retrieval process is estimated to take XXXX days, creating significant inconvenience. 

Moreover, the portal displays inaccurate loan balance information, and EdFinancial is unable to provide past statements for verification. Despite having evidence of payments, customer service is not adhering to financial reporting standards. As a result, I am escalating the matter to CFPB before considering legal action. Please address this matter urgently.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the continued presence of this late open account on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly.

I am writing to file a formal complaint regarding the ongoing issues I have faced in attempting to correct a late open account on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration.

My record shows that this account was Paid as Agreed and I never missed a payment.

This account should not be late pursuant to CARES Act. Thoroughly I want the Credit Bureaus investigate and update this account with lawful accuracy.

I have attached my documents and I you to conduct a fair and thorough investigation into disputed information.

I want your assisstance to resolve this issue promptly, urging you to work with the relevant credit reporting agency to address the persistent inaccuracy of the late open account.

I request that you communicates the resolution of the dispute to you in writing. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : XXXX - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please correct it immediately.
Product: Debt collection

XXXX XXXX XXXX and XXXX. 
I had a representative payee, which was paying on for me, then he decided to stop making payments
Product: Credit card or prepaid card

Simmons Bank. Two accounts. 
I had XXXX contact them XX/XX/2020 to CLOSE the account. Simmons closed accounts as per XXXX. 
Out of the blue this month, they are showing in my credit report! 
How can they close my accounts and then a few months later- make the accounts ACTIVE AGAIN?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX XXXX closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Services XXXX XXXX XXXX XXXX PA XXXX On XX/XX/2020 NCB Management Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$7600.00}. After further review I realized that the XXXX date on the account was inaccurate across all credit bureaus, which should not occur. I also realized other simple mistakes are reporting about this account. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.
Product: Debt collection

I get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the Equifax Security Breech as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements. 


This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were XXXX XXXX  filed in XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, multiple auto loans opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as multiple credit cards with XXXX XXXX XXXX which is listed as a charge off, Multiple self lender accounts XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile.

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my XXXX  XXXX. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.
Product: Mortgage

Review : Frustrating Experience with Finance of America Reverse Weve been dealing with Finance of America Reverse for months now, and the experience has been nothing short of exhausting. Were deeply disappointed with how this company has handled our application. As seniors trying to make the best financial decisions for our future, we expected a smoother process. Instead, weve encountered endless delays, constant requests for more documents, and a frustrating lack of communication.

Weve jumped through every hoop theyve thrown at usgiving up our car, paying down debt, and promptly providing every piece of information they requested. Yet, at the final hour, they kept coming back, asking for more and more from our HOA, which has already expressed extreme frustration at repeatedly sending the same documents. It feels like Finance of America Reverse is deliberately looking for reasons to deny our application, despite us meeting all the qualifications.

Whats worse, even Mutual of Omaha confirmed that they would approve our loan, and they dont understand why Finance of America Reverse is making this so difficult. Its clear that theyre not interested in helping seniors unless they fit into a perfect mold. This process has been completely unreasonable, and we feel like were being set up to fail. We need help navigating this, as weve done everything right, but they continue to put up barriers.

Sincerely, Another Senior Left Behind