23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f.

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to  remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account appearing on my credit report was not opened by me and company will not provide accurate debt validation as to the debt in question after several attempts throughout the past years. Continue to send letters in response to my requests for debt validation, without copies of signed contracts or statement of accounting. Also, the company has repeatedly sent these letters under several different entity names such as : JB Robinson, Kay Jewelers, Sterling Jewelers and XXXX XXXX  and referring to different account numbers on their correspond Kay Jewelers card that was paid in full and satisfied and the store associate opened this separate account in question without my authorization ( my kays card was accepted at all Sterling Jewelers store including jb robinson ). it has now been 5 years since the first derogotory mark on this invalid account. Lastly, they continue to provide conflicting information on a collections company that holds the account ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) I have demanded they remove the account from my credit history as it is now effecting my security clearance and they refuse to do so. I believe this falls under the CFPB investigation of sterling jewelers inc. where final judgement and order was entered agaisnt the company for the same practices in XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 

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.

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!
Product: Credit reporting or other personal consumer reports

I recently paid off several collection accounts in full, as my credit report indicated that doing so would result in a XXXX increase for each account. However, after making the payments and waiting for the update, my credit score only increased by approximately XXXX points, rather than the expected total. 

One of the most frustrating aspects of the credit reporting system is the inconsistency in how information is updated. Negative remarks, such as missed payments or collections, are reported to the credit bureaus almost instantly, often causing immediate damage to ones credit score. In contrast, positive updatessuch as payments made on time or full repayment of outstanding debtstake significantly longer to reflect on a credit report. This disparity is not only unfair but also makes it unnecessarily difficult for individuals to rebuild their credit. 

If negative information can be reported in real time, then positive updates should follow the same standard. Creditors and credit bureaus should ensure that all updateswhether positive or negativeare processed and reflected in a timely manner, providing consumers with a more accurate and fair representation of their financial behavior.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed account not reporting properly and accurately! I have a late payment on my account and was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy! This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2024. XXXX requesting you investigate and provide verifiable proof with records showing that i had late payments. If this cant be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

We have contacted XXXX, as well as multiple collection agencies numerous times to clear up an erroneous derogatory credit report. 

All supporting documents, including a " paid in full '' statement, and a chat transcript with XXXX customer service clearly supporting our assertions, have been provided to XXXX, XXXX, CRM, etc. 

The collection agency ( the most current collection agency is called CRM a/k/a Credit Resource Management ) is refusing to remove the error. XXXX refuses to remove the error, claiming that the collection agency has " certified '' that the debt is valid. Yet, even though we have provided original copies of our account being satisfied, XXXX   has chosen to ignore all of our documentation showing a {$0.00} balance, closed, Paid-in-Full account. 

CRM  a/k/a Credit Resource Management Contact Info : Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Furthermore, and most problematic is that XXXX is repeatedly selling this " debt '' to successive collection agencies. This has lead to consistent and multiple copies of this " debt '' being reported to XXXX ( XXXX is the ONLY reporting agency that has refused to remove the error ). 

Below is a copy of the latest message sent to XXXX via their online portal. XXXX   has acknowledged receipt of all my correspondence. 

I hope you can assist with this matter. 

Thank you. 
-- -- -- -- -- -- -- -- -- XXXX, The derogatory information posted by Credence Resource Manag a/k/a CRM, on my credit report is erroneous and we are demanding a thorough review of the documents that support the satisfaction of the debt as uploaded alongside this message. 

XXXX via their many credit collection agencies has posted this error at least 3 times in the past. 
Each time, we have re-submitted all the documents and each time, the report was properly removed by XXXX. 

Now comes, CRM  to post yet another derogatory filing. We anticipate that XXXX will do the right thing once again and remove the error. 

I have virtually signed and authenticated that the documents I am providing to you are valid and accurate. This should suffice as clear and proper evidence to remove the error and correct my credit report. 

Please be on notice that this issue is causing us financial harm, as we are currently unable to apply for and get financing at the appropriate and best financing terms available. If it becomes necesarry, we will open formal complaint against CRM, XXXX, XXXX, et. al. in the proper legal venue that will have jurisdiction to impose and award financial and other damages caused to me by the erroneous information shown to prospective creditors. 

I look forward to your amicable solution within 30 days before taking the necessary action.
Product: Debt collection

I noticed my credit report dropped by XXXX points. There is a collection from Transworld Systems filed on XX/XX/XXXX  for {$510.00} on behalf of the XXXX XXXX XXXX XXXX XXXX. 

I was a member of this health club approximately 10 years and never had a balance. I have never been contacted by them via phone or mail notifying me of any debt. ( I have the same home address and phone number that I used 10 years ago at this facility ) Upon reaching out to them, they could not give me any information! This is fraud and I want my credit restored. This gym is old and declining with the opening of several new gyms and sport complexes in the area. I believe my old account information and social security number must be used as a way to obtain money fraudulently.
Product: Mortgage

I have been trying to get mortgage assistance from PNC since Covid started. I received a forbearance and then tried to modify the mortgage to make payments sustainable until Covid is over. I paid a small amount every month, trying to keep up with the interest while I was in the application process. I filled out the application three times and kept getting messages that contradicted each other. I also spoke with PNC several times by phone. I was told they were working on the application, and many times had to resubmit the documents and the letter, etc. Last I heard I was waiting to hear back from them about my application, which they said was complete. I called again when I got a notice of potential default and was told my application was complete and to ignore that message. Today I got a notice that I am in default, no modification and no offer to even put the remaining balance at the end of the loan. I have tried and tried and no avail.
Product: Credit reporting

I have repeatedly disputed false inquiries on my credit report with Experian while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Experian has failed to remove these false inquires. Please uphold them to their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, And according to the FRCA 15 USC 1681everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with Santander USA, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB Capital one Lawsuit.

I feel i was negatively impacted by Capital one hurting my chances at credit after receiving a response to my earlier dispute.

Please remove late payments in regards to law 15 U.S. Code 16666 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to TransUnion to have inaccurate information removed. Transunion started the investigation on XX/XX/2021 after they received it. So, the investigation started on XX/XX/2021 and it is now XX/XX/2021. The investigation has taken over 40 days and they keep switching the date of completion. It was originally supposed to be done on XX/XX/XXXX and now it was changed from XX/XX/XXXX to XX/XX/XXXX. They need to delete the disputed information since they've already gone over 30 days for the investigation and have not sent me the dispute investigation results and its been over 40 days. I have not received any written correspondence which is required by law specifically the FCRA laws. 
As of today on XX/XX/2021, they have closed the dispute ; however, they exceeded 30 days for the dispute investigation. Even though there was an error on their part, I should not be denied my dispute investigation resulting in the deletion of the disputed information according to the FCRA laws that they ignored. 
Please do not give me a generic response. I followed the required procedures for having my dispute investigated as Transunion previously stated : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. XXXX XXXX will enter your dispute into our system and review all information and any additional documentation you provide to determine the next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. 

Again. The dispute investigation has been closed as of XX/XX/2021. The bankruptcy needs to be deleted in accordance with the FCRA laws that have been violated. After the first 30 days, the disputed bankruptcy was supposed to be deleted. At the fault of Transunion, the investigation took place from XX/XX/2021 until XX/XX/2021. 

If this does not get resolved I will be filing a lawsuit since I have not been given a clear explanation of what happened up until this point when the investigation was active on XX/XX/2021, until XX/XX/2021. When I spoke to Transunion 's dispute department they stated that everything was fine and after XX/XX/XXXX, the dispute investigation was still be reviewed even though it was a system error. Regardless of whether or not it was a system error, I have nothing in writing and that statement of a " system error '' is not justifiable especially since no Transunion employee informed me of when the dispute investigation was supposed to be resolved before there was a " system error. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX/ transunion/ XXXX/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX  XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I made an international transfer of {$480.00} using Moneygram to my sisters bank checking account. Per transaction receipt, funds should have been available on XX/XX/23 but the recipient apparently never received the money. On XX/XX/23, I called Moneygram and filed a claim in regards to the funds not being received. On XX/XX/23, Moneygram issued an email stating, After conducting our investigation, we have determined that an error may have in fact occurred with your transaction. Kindly note that the transaction was credited on XX/XX/23. As such, you are entitled to a refund in the amount of XXXX ( USD ) .... I emailed them back stating that I did not understand the resolution since the transaction was initiated on XX/XX/23. So, I filed another claim to appeal their resolution. On XX/XX/23, Moneygram stated that, After completing our investigation, we have determined that an error as defined under the Remittance Rule has not occurredpartner confirm that the transaction was successfully deposited to intended receiver account. I checked with my sister if the funds from the XX/XX/23 transaction ever came and she verified that it NEVER did. As of now ( XX/XX/23 ), I am still waiting for Moneygram to send me the support documents for their resolution and they said that it would take 30-90days.
Product: Checking or savings account

On XXXX XXXX I deposited a check issued to me in the amount of {$3800.00}. The bank notified me that the check was fraudulent. I had no knowledge of that. Deposited the check for the first time since having the account. I had monthly social security deposits in the amount of {$510.00} going in the account every 3 rd of the month. Bank ( fraud department ) told me the account is going to close and they will issue a check to me with any funds owed to me. It's been over 2 months now and I haven't received my money. Every time I call they'll tell me the same thing. I need the money for my XXXX child. They haven't closed the account and it's been 2 months already.
Product: Mortgage

I took out an FHA loan on my property when I bought it over 6 years ago. At the time I put down over 20 % of the purchase price. Since my loan was FHA I still needed mortgage insurance. I refinanced 1 year later, and was told that since I had well over 20 % of the value of my property paid I had to wait 5 years and then I could get rid of my mortgage insurance. As of XXXX XXXX, 2015 it will be 5 years. I have been trying to initiate the process of getting rid of my PMI, but the company ( Ocwen ) has not been responding or telling me what to do. They are acting as if they are drawing out the process so that I have to continue paying PMI even though I do not have to. I have already paid my XXXX payment, which means my next statement should not have PMI on it. However, I have sent emails and gotten no response, and I have talked to customer service reps who say there is nothing they can do for me. I believe that Ocwen is purposely attempting to not help me in order to continue collecting money for PMI which I should not have to pay any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EXPERIAN CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE XXXX  XXXX ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND EXPERIAN AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY