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

Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, Discover, and XXXX XXXX. When I found this out I disputed the incorrect data directly with XXXX  and XXXX. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. Discover reported me past due on XX/XX/2020 on both reports. XXXX XXXX was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Eqiuifax on XX/XX/2019. I saw that there was negative information reported by XXXX   XXXX/XXXX in the file that XXXX maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Debt collection

Step 1 : What is this complaint about? Ocwen is repeated directly contacting me and im represented by legal counsel, who they know Im represented by legal counsel, and harassing me, who is not actual borrower.

Step 2 : What type of problem are you having? Harrassment and inaction on request for deed-in-lieu of foreclosure.

Step 3 : What happened? Borrower died, Executor hired law firm to resolve foreclosure and deed property in lieu of foreclosure. For over a year Ocwen has not processed request to deed property in lieu of foreclosure, started foreclosure action and continues to harass executor trying to make her take on mortgage liability personally by repeatedly contacting her directly and asking her to sign paperwork. Borrower is deceased.
Product: Credit reporting or other personal consumer reports

According to FCRA section XXXX it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this report due to the fraudulent accounts that are appearing on my most recent credit report. They have ignored my attempts to correct this erroneous information by no response or removal from credit report dated back to XX/XX/year> I have received 4 stall letters. I have attempted to settle this matter with Equifax with by mail, tracking # XXXX All attached ( XXXX ) FTC report # XXXX ( XXXX ) Inaccurate dispute of personal information letter ( 3 ) Dispute of fraudulent accounts letter ( 4 ) Utility bill with current address ( 5 ) Image of current ID ( 6 ) Last four digits of social pursuant to FCRA 605B ( 15 U.S.C. 16810-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX account ( Account # XXXX ). My credit report incorrectly reflects late pa

yments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time.

2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments.

Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Experian immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Mortgage

On XX/XX/XXXX found out my property was getting foreclosed on when the documents was submitted on time and before the 37 day time period Rushmore Loan Management Service keep stating. Rushmore Loan Service Management did not notify the third party or me that if any document was need or missing. Rushmore Loan Service Management claimed they tried to reach me in regarding to this situation which was not true. They was informed to contact the third party on behalf of me. I did not request for a loan modification assistance. Rushmore Loan Management Service keep giving me a run regarding loss mitigation assistance. I reapply for assistance again and I am still keep getting the run around once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ XXXX. XXXX ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency has refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been 8 months and they still will not remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Police XXXX XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX department XXXX XXXX XXXX XXXX So take 20 percent from all these funding sources and open XXXX XXXX a trust fund of his own product
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this creditor, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is unauthorized. Kindly remove for it is suspicious. 

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

I have over XXXX credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I was making double payment when possible, sometimes triple payments in a month thinking the other payments were going to the principle, to pay the loan off quicker. But looking at statements navient was still putting every payment to intereste, then to the principal. When I email them, asking why it was like that they told me it was a government right to collect interest on all payments. Why can you make double payments on a car or credit card where the second payment goes fully to the principal, but not on loans. It makes impossible to pay loans faster.
Product: Checking or savings account

On XX/XX/2020 I filed a claim towards Bank of America for fraudulent activity. Its been over a week and they have yet to give me back the funds that were stolen from my account or even offer a temporary credit. I have informed them that this activity has caused me to be left stranded in California and I originally live in Florida but for some reason they act like they do not care. Every time I call I get a different response as to how they are going to handle the situation. At this point I have no idea what to do or why I even pay a monthly maintenance fee if they can not even protect my information or at least help with a temporary credit. I was also told by a supervisor that we can not protect against fraud which left me speechless.
Product: Credit reporting or other personal consumer reports

The account payment history is incorrect. I never paid late. The mortgage account was transferred, and any payments was provided by myself and transferred XXXX company. 
This account was never late. The needs to be corrected XXXX the account needs to be removed all together. 

XXXX XXXX XXXXXXXX
Product: Mortgage

My mother has passed away. I am trying to assume the mortgage. This company had told me i could assume the mortgage and is not complying with my signed request for documentation required for the process which they sent me The have had my request handled by multiple departments. Now nothing is happening for me to proceed and all departments tell me this situation is handled by another department. I have been approved as successor of interest and they have mishandled this situation terrible and refused to assist. 

This has gone on for 3 months.
Product: Credit reporting

acct # XXXX XXXX XXXX was never late all other bureaus have adjusted and removed the error ive requested this be removed and have recived NO information on investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/year> Re Acct # : XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), consumer reporting agencies must handle their significant responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Equifax, XXXX, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. I have reached out to all three agency in hopes they would correct there gross misconduct by violating my consumer rights. 

A furnisher of information to credit agencies, considered a financial institution under this title, must follow these guidelines. According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer. Neither Equifax, XXXX, or XXXX nor any furnisher of information to credit agencies has my consent to share this information, and any previous consent is revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to opt-out. I was never informed of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item in question is being reported without my permission. Because of these laws being violated my personal information is not being used on the dark web and which case I am severely stressed out because the financial hardship that is being caused by this violation of my consumer rights.
Product: Debt collection

Looking over my credit report with Equifax I notice two collections added to my report without my knowledge. XXXX XXXX XXXX XXXX placed XXXX  collections on my credit report first violating my rights as to allowing me to first validate it and second i never gave permission to have my medical record information released to a third party, so my HIPAA rights has been violated by both XXXX XXXX XXXX and Equifax.
Product: Checking or savings account

In late XX/XX/2021, There were two fraudulent wire transfers on my Chase checking account. Within two days I contacted Chase to inform them of the fraud and request the matter be investigated and monies returned to my account. In addition, I asked the Chase rep to disable wire transfers on the account to prevent a recurrence. I was assured it would be done. In early XXXX, additional fraudulent wire transfers were made as Chase had NOT disabled that ability. After over 100 hours on the phone with different Chase reps and departments ( nobody can just deal with the problem themselves... it always required multiple departments and phone calls ), I was told that my account was disabled from online access pending investigation. Chase was unable to close the account and reopen it under a different account number... something that should have been simple. I was told I needed to go into a Chase branch to close the account as they were unable to close the account over the phone. This in spite of the information provided that I live XXXX miles away from the nearest branch! Arrangements were then made to link an external bank account to the Chase account, Make an ACH transfer, and bring the account balance to XXXX. That supposedly would allow me to close the empty account over the phone. After going through all the steps Chase suggested, Chase froze my account for suspicious activity, cancelled the transfer, and deleted the external account link from my Chase account!! I am now being told to mail a check for deposit to my external account as this is the only way to do it if I can not get to a branch. This is after continuously verifying my identity with Chase reps over the two months this drug on. This is unacceptable banking practices
Product: Credit reporting or other personal consumer reports

XXXX is failing to take off XXXX accounts that are fraudulent I have provided a police report, federal trades commission identity theft report, letter from the IRS stating Im a victim of identity theft, I have sent multiple amounts of evidence, no resolution has been giving, both XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has stolen my information and has used at will to open these fraudulent accounts in my name and XXXX has done nothing about it, they continue to violate my rights, my identity has been leaked on the dark web several times and no help has been giving by this credit reporting agency to correct my report, I want these accounts taking off or I will seek legal action against them, now I want them to correct my report and do there job, this has been ignored for to long. Im not the only one they have done this to, Im asking and demanding my credit report be corrected and fixed and take off XXXX XXXX XXXX XXXX and XXXX XXXX, I can and I will sue for damages, they have ruined job opportunities and hurt me financially.
Product: Payday loan, title loan, or personal loan

was approved for multiple loans and never recieved the money or vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution XXXXXXXX XXXX and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 

The following Accounts Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may find, on XX/XX/22 I pulled a copy of my consumer report and discovered that 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  COLLECTIONS & XXXX  # XXXX, Account name : BANK XXXX XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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. 


I did not give anyone my consent to reporting these accounts, these items are disturbing my livelihood, attempts to secure employment, housing and puts me in danger of predatory lending and high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Rise please reference RE : XXXX XXXX ; CFPB Case # XXXX. I paid the amount owed in total to NCB Management Services with the understanding that they would not report anything to the credit agency. This debt has been paid in full and I would like to have it taken off my XXXX Report.