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

follow up to complaint number XXXX submitted XXXX/XXXX/XXXX TransUnion did not provide a responsive reply. The letter I sent to the company specifically stated " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 2 ), you are required by federal law to disclose the sources of information in a consumer credit file ... ..Pursuant to FCRA 609 ( a ) ( 2 ) : include the names and contact information of who you spoke to that verified the bankruptcy records ( furnisher of information ) and copies of documents they provided ''. 

Transunion has not provided the name of the person or persons spoken to nor the records used to verify. It is interesting how Transunion verified considering that I used the voice system to verify myself and the information is incorrect. Therefore I am very interested in knowing how Transunion lawfully verified BOTH bankruptcy public records since they are not verifiable and have incomplete and incorrect information. In which case they must be removed according to the laws previously cited. 

Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by law to delete in this case, an item, or entry, from all credit reports and 3rd party reporting agencies. The bankruptcies must be removed pursuant to Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Mortgage

XXXX XXXX Started the refinance process with Loan Depot Was told that because I had a mortgage through them already, the process would be fast.. 
Sent all documents through the portal and was told they were all received. 
XXXX XXXX No communication.. Emailed and he said to call him and he would have an update.. 
XX/XX/XXXX, XXXXSaid he had all information and couldn't believe the account manager hadn't been in touch.. 
XX/XX/XXXX Account manager told me she would call me in an hour - said almost done with the loan for closing. 
Had to send all items again ( third time ) through portal and directly to her. 
She said she received them again and there were sent to underwriter for review.. 
XXXX Same Sr. Manager asks for the same documents the 4th time.. 
she found my old ones, and again said my loan was underwritten and approved XXXX She said she had requested payoff and she was shooting for friday for a closing.. 
XXXXemailed again, and got this : recieved the payoff and have requested the hud/alta statement with the final numbers I will have this tomorrow and will call and discuss closing. 
XXXX She said she would call in an hour to go over the loan .. 

Never heard another word.. 
XXXX New Account manager- Sent paper work again ...

Got to the end, and they said they couldn't do it as I had 2 over 30 day late and 1 over 60. 

I have never been late on a mortgage payment in my life and never would have been if this process would have gone as they said. There was no communication about the numbers changing on my loan even though i had paid payments.. Also called each time I was to close and was told that as long as it closes when they said I should be fine. The dates came and went and I made up the payment. This has been such a farce.. At no time did they tell me that my late payments would be going to my credit. Or of course I would have paid them. Each time I was waiting to close on my loan which each time was imminent. No it shows on my credit and I can't refinance ... XXXX town!! 

I have all the emails talked about ... 
And there were 2 different refinance loan numbers Loan # XXXX Wont let me upload my documents saved from emails..
Product: Credit reporting or other personal consumer reports

A debt collections company named Jefferson Capital Systems has reported some information on both my transunion and experian credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.
Product: Debt collection

1.I have never had an account with this company FOX COLLECTION CENTER , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FOX COLLECTION CENTER the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I was attempting to settle a debt with XXXX XXXX. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about six weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called XXXX XXXX to get a payoff. XXXX XXXX then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : 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: Mortgage

A request for a Loan Modification was filed by borrower in XX/XX/2015, Servicer Bank of America denied the loan mod on XXXX/XXXX/2015, a Short sale was submitted on XX/XX/2015, bank of America denied the short sale by stating occupancy of the property was misrepresented. 
Borrower 's homestead is the property in distress XXXX XXXX XXXX XXXX XXXX, because of work reasons her employer has given her temporary work assignment is different States, the last being XXXX, where it was just terminated and she is back home. 
The property has been occupied by her parents and her only child, they have always live in the property. 
We files an escalation with XXXX the investor of the loan and they instructed the negotiator negotiating the short sale, to submit a request though the home path ( XXXX System ), but we also needed to re start the process with BOA as well, we did and it was declined for the same reasons. 
We received a letter allowing us to the Short Sale and the same date we received a letter denying the Short Sale. 
The borrower is entitled to a short Mitigation Option and there is a purchase agreement, meeting the bank 's value. Against CFPB regulations to stop the foreclosure sale until we finished the process, ON XXXX, the bank through its counsel filed a Motion to set foreclosure sale date to XXXX. 
The borrower has a child and XXXX elderly parents who live with her in the property. 
We believe the servicer is not reading the rebuttal sent to them and is ignoring all explanations. 
Bank of America wishes to continue with foreclosure in order to later transfer tittle to institutions such as XXXX or XXXX so the properties can be sold as bulk to investor all over the Nation.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should eliminate any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get in contact with Experian since XX/XX/XXXX as they are reporting that I have had no credit history for the last 3 years. The latest report that they show for me is from XX/XX/XXXX. Experian also shows my credit score at XXXX  and XXXX in the XXXX - when those two companies show me with a credit score of over XXXX when logging into their sites. I have been trying to fix this with Experian but am not getting any reply. Their website claims every day since the XXXX of XXXX that they are experiencing technical difficulties and disputes can not be filed. I have also tried 7 different listed phone numbers and can not get through to a person or receive help from the automated messaging. I have also reached out to them via XXXX in hopes to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? 


Remove this account from my credit reports XXXX XXXX and XXXX Send me proof that you tried to contact me about this debt before it went to collections
Product: Credit reporting or other personal consumer reports

XX/XX/year> Assault and Battery charges was dropped when I went to court. But the report reads that it was a guilty plea. I never entered a pleas because the case was thrown out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I don't want to see this anymore it causes me problems with my credit
Product: Debt collection

Company was sent affidavit and didn't respond line by line to the questions. They had thirty days to answer the affidavit.
Product: Debt collection

Credit Corp solutions inc is trying to collect {$5200.00} on a XXXX account that has been dormate for over 8 year 's this exceeds GA statue 's of limitations of over 6 year 's. 
I was unaware of this for the past 8 year 's and received no notice until now, I've checked my credit report over the past 8 year 's and nothing was posted on my credit account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

My ex husband opened accounts under my name when we were married in 2017. We went through several years of court to have all the fraudulent debt reassigned to him, none of this debt is mine. I was not involved in the account and I did not give consent an opening the account. My ex-husband filed bankruptcy, and everything that was involved in his fraudulent crimes were supposed to be included in his bankruptcy. This company has harassed me for years, putting false statements on my credit report even when Ive called and talk to them multiple times, and begged them to please reevaluate, considering it is not mine or my debt. They refuse to work with me and continue to lie about the status of this account. They have been abusive and they have been absolutely uncooperative. Its under a name that is not even legally mine, I do not live at the address. It was attached with, the years that it says it was used are absolutely inaccurate for anything I couldve used. Hundred percent is not my account and was not my opening or closing. This is not my debt and it needs to be taken off of my credit card immediately. Ive attached multiple screenshots of years of disputing this account, begging them to take my this off of my name and social security number. They have bullied me, threatened me and lied on my credit report for so many years. Im a XXXX patient who is struggling to raise my credit because this company keeps lying. The next step is to call the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I misunderstood the proper way to deposit money to my XXXX debit account and attempted to deposit using my XXXX debit card at a Mountain America Credit Union ATM. I have attempted to file a dispute with both banks and both have said they are unable to file a dispute. The amount in question was roughly XXXX in cash I would just like to find a way to get this money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A cease and desist letter has been sent to this company due their ongoing harassment. They claim they never received the letter. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from me. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. I plan on filing a civil suit against this company for harassment and all the credit reporting agencies that report this inaccurate information because I have asked that this information be remove from my credit report as soon as possible. As it states on the attached pictures from XXXX XXXX XXXX XXXX XXXX is said to be the original creditor but on my actual report from XXXX and XXXX the original creditor is in fact XXXX XXXX XXXX XXXX. Which in that case I did not enter into a contract with XXXX XXXX XXXX nor did I sign a legal binding document with this agency. So I am not responsible for this debt that they claim is mine nor are they allowed to have the debt reported or collect on such debt.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; 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 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

XX/XX/XXXX Amerisave/XXXX XXXX executed an unauthorized transaction in the amount of {$1600.00} against my XXXX XXXX XXXX account XXXX I did not facilitate nor authorize this transaction. 

I received a letter from Amerisave Mortgage on XX/XX/XXXX. The letter was dated XX/XX/XXXX and postmarked XX/XX/XXXX. The letter stated Amerisave received an authorization request to make a change to my automatic payment information.I did not submit any such document to Amerisave/XXXX  Mortgage. 

XX/XX/XXXX I contacted Amerisave/XXXX to obtain a copy of the authorization form that permitted Amerisave/XXXX  to draft my account on XX/XX/XXXX. The call began with a representative named " XXXX '' and was transferred to XXXX ( XXXX ). Neither of the individuals were able to provide any information regarding the transaction and XXXX became beligerent when I asker her for a copy of any authorization that permitted Amerisave to draft my XXXX XXXX XXXX account. I was not provided any documentation. 

XX/XX/XXXX I contacted XXXX XXXX XXXX, requested a copy of the transaction and authorization. I was informed that it appeared to be an online payment facilitated by account and routing number, back up documentation was provided. I did not facilitate nor authorize this transaction. I would have no reason to as I moved my direct deposit to another financial institution.