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

In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # XXXX ( XXXX XXXX XXXX ) has violated my rights. 

1 5 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
Product: Credit reporting or other personal consumer reports

I Requested For All Inaccurate Credit Reporting To Be StoppedAccording To US CODE 1681 A4 1681eb 1681 i5 1681c-2
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from my credit monitoring service that Convergent Outsourcing flagged my file as collections. I never received anything in the mail from the company. I didnt receive any notification from this company. I only was notified of this debt because of my credit monitoring service. On XX/XX/XXXX I mailed a dispute/validation request to this company via certified mail with a return receipt ( certified mail # XXXX XXXX. On XX/XX/XXXX the company once again flagged my credit file as collections. On XX/XX/XXXX, the company received my validation/dispute request ( proved by my certified mail receipt, and a XXXX XXXX signed the return receipt ). It is now XX/XX/XXXX, and the company has once again flagged my credit file as collections. I have not received anything per my validation/dispute request. This company is reporting an erroneous debt on my credit file and should be investigated. I have no relationship with them or their client, if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I desputed this sXXXX account XXXX and its still reporting inaccurate information and violating my rights under the fair credit reporting act. 1.Date opened is inaccurate. 2. High credit is inaccurate. 3. Last reported is inaccurate 4.Date last active is inaccurate 5. Date last payment is inaccurate 6. two year payment history is inaccurate. and my rights violated under 15 U.S. Code 1681a-Definitions ; rules of construction ( 2. ) Exclusions-Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include- ( A ) subject to section 1681s-3 of this titile, any - ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 15 U.S. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) reporting information with actual knowledge of errors.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 with out my written instructions 15 U.S.C. 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 yrs.
Product: Credit reporting or other personal consumer reports

I am writing in response to a recent collection notice discovered within my credit file attributed to your agency. Regrettably, I have not received any prior notification regarding this collection, and I hold reservations regarding the accuracy of the debt in question. 

Under the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of any alleged debt. Consequently, I kindly request your assistance in providing the following documents to facilitate the verification process :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX, I sent a letter to all three credit bureaus ( XXXX, Equifax, or XXXX XXXX ) asking that the late payment on my mortgage reported by XXXX XXXX XXXX ( Acct : # XXXX ) be investigated by the C.R.A. 's and deleted. The reporting status of over 120 days late needs to be removed and contradicted the C.R.A. 's transaction recording history on my credit report noted in prior months. Please see the attached letter. In XX/XX/XXXX, they informed me they verified the late payment by XXXX XXXX XXXXXXXX as accurate. As requested, I received no investigation data on how they conducted this process. They lied as they failed to investigate as required by law. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate in my credit report and Under 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurately. 

In XXXX, I called XXXX XXXX XXXXXXXX to inquire about the recording status and was told to write to the credit bureaus to dispute it, as this would be the fastest route. I called XXXX XXXX XXXX in XXXX to inquire how to correct the reporting status on XX/XX/XXXX. I was again told by the XXXX. that my account was on time as it was in forbearance at the time of transfer and that they would check why it was reported that way. The XXXX. placed me on hold and shortly returned the call. They told me they were sending a letter stating that they updated their credit bureau reporting effective immediately and notified the credit bureaus to correct the account. They also sent me a check for {$620.00} for financial impact ( see attached ). A little too late. 

Since XXXX  XXXX XXXX 's initial reporting of this data upon transfer of my mortgage loan on XX/XX/XXXX, I have been denied credit, credit limits reduced, and/or received a higher interest rate. This was the second time I was harmed by XXXX XXXX XXXX while going through the loan modification process. I was unaware of this as I did not check my credit, but it is refreshing they corrected their mistake. I recently checked my credit report, and the C.R.A. 's has still not removed the over 120 days late status. 

I am tired of fighting and feel helpless in getting this rectified, and you are my last hope to correct this once and for all. If I understand my rights under the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ), Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
If my understanding is correct, transaction history should not be reported, is a violation, and must be deleted forthwith. 

Your assistance with this matter is greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX services placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX center Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX, placed an unauthorized inquiry on my credit report.
Product: Credit card

I have been banking with regions bank for XXXX XXXX or more, never had a problem until i moved and decided to cancel my phone service with team mobile as the cost per month was over {$100.00} per month, then i lost access to my email address will XXXX because my computer crashed and XXXX would not let me get it back. as i am XXXX XXXX XXXX my social security goes to this bank. i am XXXX overseas now because its much cheaper. regions then told me i had to have a address in the usa as i used my brothers address but when i tried to log on it said sorry much have a local phone number to access your account so i got one and they still will not let me log in.
Product: Student loan

I am asking that Mohela begin start a good faith processing of my student loan forgiveness request. I originally submitted my application on XXXX, with a hand signature, as required. I have had constant difficulties with both Mohela and the prior loan servicer getting any work or progress on my application. When I call to check progress, I have always been told, including by Mohela, that I have provided all I need to provide and nothing else is required, but there has been no progress on processing my application since it was transferred to Mohela on XXXX. The transfer was completed by XXXX... but I grew concerned that Mohela never noted online my originally submitted documents. I called Mohela and was assured that they had all they needed but, To err on the safe side, I re-uploaded my application and employment verification to make absolutely certain Mohela had what was needed. I additionally sent a customer service message to them on XXXX to explain what I submitted and how to reach me easily if any additional information was needed. I received no response until XXXX and that message contained no useful information, advising me only to call customer service. Each call to customer service results in a 1-2 hour hold with, at the end of the hold, no information being given in response to even the most basic questions. I today received a letter from Mohela stating that some form I submitted, as well as a form submitted by my employer, was improperly signed. The form is not attached and there is nothing to identify which forms are at issue, or how they are defective. My employer has submitted MULTIPLE forms to the PLSF program and called once, after being on hold to hours, to verify my employment. Mohela 's letter directs me to submitted a correction on an enclosed form, but no form was enclosed. I no longer wish to call Mohela, be placed on hold for multiple, only to be connected to someone who can not provide any information.
Product: Debt collection

I have received many calls from this company Duvera threatening to sue me. I keep telling them that this is not my debt. I've asked them to send me proof that it is my debt because they say it is a valid debt. I have never heard of this company and this is not my debt. This is a scam. I want this debt deleted from my credit report, I do not owe this debt it is not mine. It says this debt was opened XX/XX/XXXX and closed on XX/XX/XXXX. The original debt states it was {$500.00} but is reporting a balance of {$1200.00} on my credit. This debt just recently popped up on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show an unauthorized inquiry and inaccurate personal information that I did not initiate or approve. Despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation. 

I have previously disputed several accounts on my credit reports with XXXX, XXXX, and Equifax, but to no avail. The credit bureaus have failed to address the inaccurate accounts and the erroneous public record that they continue to report. I have attached all relevant dispute letters to this complaint for your reference.
Product: Debt collection

What happened? 
In XX/XX/2018 I disputed a item that was incorrect on my credit report. The incorrect item which is XXXX XXXX. The credit report agency reported that the item was verified. I sent a certified letter to XXXX XXXX requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM XXXX. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX, XXXX to the address reported on my credit report which is XXXX XXXX XXXX XXXX WI XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/2018 and they have not responded to me.they received and signed for the letter on XX/XX/2018 today is the XXXX day and I still haven't received my request XXXX XXXX Account XXXX
Product: Mortgage

I entered into a covid deferment for about 7 months, I was told before I entered into the deferment that options would be available to me including a payment plan, or a Modification where the missed payments would be paid at the end of my 15year mortgage term.to my horror and disquest after I satisfied 3 months of the trial period which was understood I was accosted with the rude and unwanted acknowledgement that I had to sign an loan Modification which changed my terms to a 30 year mortgage, and my apr was previously XXXX now being projected to XXXX and the amount from a few dollars less than what I am paying now, I do not wish to pay a 30 or mortgage, I want to keep my 15 year with the outstanding balance maybe included at the back of my loan
Product: Debt collection

Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX RE : Demand for Removal of Errors on Credit Report COMPLAINT ID XXXX Re : Notice of Dispute Pursuant to section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my reports.

I demand this item to be DELETED from my credit report ASAP BARCLAYS BANK DELAWARE - Partial Acct # XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX Under Section 168 FCRA this Account Number # XXXX does not match my records nor the original creditors ' records to what reflects on my credit card and statement, therefore this item MUST be DELETED under this law. 

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 168 of the Fair Credit Reporting Act. I assume 30 days is a reasonable time for your investigation. After your investigation, please provide me with an updated credit report as well as the name, addresses, and telephone numbers of the individuals that have been contacted. 

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

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  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 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! 

15 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. 

XXXXXXXX XXXX  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

The following ongoing issues remain with my Dovenmuehle account : -their response to my last CFPB complaint is intentionally confusing and hard to follow. My attorney had a difficult time understanding their line of thought. 

-their response to my last CFPB complaint states that I can send updated information about my homestead tax deduction and tax lines to XXXX. This is a fake/defunct email address ( see attachment ). 

-the balance they are reporting to the credit bureaus does not match any documentation that has been provided to me ( {$4900.00} ) ( see attachment ). 

-they agreed in writing on XX/XX/23 to cease credit reporting until the issue with my tax lines is solved ( see attachment ). However, they reported the above balance on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records, If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I have a list of unauthorized inquiries that I did NOT give written permissible purposes to furnish to my consumer report. Accordingly to the FCRA 15 U.S.C 1681 ( e ) subsection ( e ) paragraph ( b ) Disclosures states : " EACH permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report or information. and also 15 U.S.C 1581b Also states that you must have " written permissible purpose for each item being furnished ''. please remove the follow inquiries listed below whiich does not constitute the FCRA consumer laws I listed above. Please provide proof of requested documentation of my written permissible purpose for EACH inquiry or remove entry from consumer report immediatley. according to FCRA you have 15 days to respond to this matter or these accounts must be removed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX  XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired XXXX
Product: Mortgage

I have been trying to go through the process for a Home Loan Modification for the past several months. I have been working with a Company Called Rushmore LLC. I have been in contact with them on several occasions to help me with a XXXX. I have faxed a complete package to them, and I have also had my son to email the requested items. I was told either i was missing something or they did n't receive it as of yet. I have followed the checklist of items that were required in order to have a complete package. I would call to advise that the information has been sent via email or fax, but at the same time i would be told by XXXX of their representatives that " we are not going to help you, we are just coming to get the house since you ca n't make the payment '', and this was a very very hurtful thing to hear. The reason I was seeking Financial assistance due to my life partner be XXXX, and I could not afford the medical expenses, cost of XXXX, and a mortgage payment. My life partner recently passed in late XXXX of 2016 from her battle with stage XXXX XXXX XXXX. Also, while in this process for a modification I made a terrible discovery from my bank, when I tried to apply for a loan. I found out that my dream home was in foreclosure, and here I am thinking I 'm doing everything possible to prevent this from happening. I also received an Anonymous letter " stating that we are coming for the house '' and low and behold I received a letter stating I had to be out of my dream home by XXXX XXXX. Also Rushmore stated that they sent of a letter stating that I was in Foreclosure which they did n't not. The only thing I received was a decline letter.
Product: Consumer Loan

I receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.