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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX address not mine accounts that were filed to the ftc 60 days ago
Product: Debt collection

ask for verification of debt and never received. this company of violated the hippa laws the protects consumer medical information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  # XXXX, and 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
Product: Mortgage

We are trying to get a loan payoff. We requested the payoff on XX/XX/XXXX, and told Ditech customer service that we needed to get the payoff by closing on XX/XX/XXXX. They said it would take 7 to 10 business days because their bankruptcy department would have to respond. As of XX/XX/XXXX, we don't have it. Calls to the customer service number are fruitless. This loan was part of a bankruptcy reorganization that ended in XX/XX/XXXX. The problem is we can't talk to anyone directly in their bankrupcty department about how to resolve the issues. All we can do is end up in call center nightmare being put on hold repeatedly. Trying to talk to supervisors is useless because they never answer their phone and never return their messages. All we want to do is payoff the loan!! Our sale of the property is now in jeopardy, and we have no clue as to who is looking at the issue, no phone number ... .no email ... ..no one to talk to or help get the problem resolved. 

We have documents that show that the loan was out of bankruptcy in XX/XX/XXXX and that the loan was not impaired or crammed down.
Product: Debt collection

The collection Company, Asset Recovery Solutions, agreed on a settlement amount along with a monthly payment. They sent me a link to an account with the recorded balance of that amount. This week they said I owed on the full amount. Now the older links no longer work and the ones that do only show the balance of my payments toward the full amount.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I sent a Dispute Letter to Experian, XXXXXXXX XXXX XXXX. 
15 USC 1681e ( b ) Accuracy of Report I requested these accounts ( Below ) to be Validated or Deleted off of my account Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was ignored by Experian and XXXX stating to identify myself even tho I sent proof of identity. I sent the same Letter to XXXX and they had no problem with investigating and responding to my letter. 
I send a letter to XXXXXXXX XXXX XXXX and they responded that there reporting accurate information which is NOT. ( The XXXX letter I will be sending proof of is the responds to the 1st letter they sent me in reply to my dispute ) I also Send a letter to XXXX and never got a responds back.
Product: Credit reporting or other personal consumer reports

This is a serious matter I was never late on my payment. I always been on time. Please update and fix this matter I was never late in XX/XX/2024 or XX/XX/2024. Please fix this matter update it hurting my credit and Im moving my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter in XXXX of 2019 to the three credit bureau XXXX, tXXXX and experian. of the items i were disputing.none of the items were verified.they did not follow protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

Sent several letters and faxes to Experian requesting that  XXXX   XXXX  be removed the account does not belong to me. This has not happen. Experian keeps coming back stating the information has been verified. Experian has not provided me nor has the company provided me with any documentation that this account is valid. The account is showing closed with  XXXX  balance on my report and I would like for this information to be removed since there has not been any validation of the account sent to me. I am uploading supporting documents.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I reaffirmed on my mortgage that I have through XXXX XXXX XXXX but is serviced by Midwest Loan Services and never missed a payment or was late. On my credit report it shows that I filed bankruptcy on the house and it doesnt show that Ive made any payments since last XXXX. Ive contacted Midwest loan services 3 times for them to correct it but every time they tell me it should be updated next month. Ive contacted them once a month for 3 consecutive months but it still hasnt been corrected.
Product: Credit card or prepaid card

On XX/XX/2018 I received a letter from American Express telling me that " We may begin sharing your information with out partners. '' I called the company to again tell them that they should not share any information or solicit me in any way. Through an automated phone system I was offered seven ways to turn off sharing, but several would be automatically reinstated in 3 years or others in 5 years. I called to talk to a person and was told that there was no option to permanently turn off sharing my information or marketing to me. They were also unable to tell me if my state offered a longer protection for my settings to stay in place. When I went online there was an eighth setting for privacy which was still selected in which they had the right to sell my purchase information. I had to turn this off separately and was not part of the phone options.

I would like a way to keep my privacy settings in place permanently. And I think telling me over and over again that there were only 7 settings and withholding the 8th setting is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.
Product: Credit reporting or other personal consumer reports

Attached is a police report from the XXXXXXXX XXXX XXXX The following Reported Information, Inquiries Viewed By Others and Only By Me currently listed and showing on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized and not my reported information or inquiries : XXXX XXXX XXXX, XX/XX/2023, {$960.00}, 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 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 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

As of this date, XX/XX/2023, TRANSUNION has not UPDATED my credit report. My credit report is reflecting OLD information and I am attaching screenshots of the information TRANSUNION is reporting to validate my claims. As a result of this OLD information, my FICO score has dropped XXXX points!!!! This should NOT be the case!!! My creditors have all reached out to TRANSUNION via USPS mail and fax to REPORT that I have XXXX balance!!! I do NOT OWE anything nor do I owe any monthly payments to any of my creditors!!!! By now, my FICO score should have increased by MANY points because of my EXCEPTIONAL payment history instead of dropping!!!! I shouldn't have to need the intervention of the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) to have INACCURATE information on my credit file CORRECTED!!!! I have a LEGAL right to ACCURATE CREDIT REPORTING!!!!

Inaccurate reporting AFFECTS my relationship with my creditors!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX, XXXX, and Transunion is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding a fraudulent transaction that occurred in my Wise account and the subsequent unhelpful response from the company. Despite my repeated attempts to resolve this matter directly with Wise, they have refused to acknowledge the unauthorized transaction and have taken actions that are highly detrimental to me as a consumer. 

On XX/XX/XXXX, I initiated a transfer of {$4000.00} to my Wise account, expecting the funds to be available by XX/XX/XXXX at around XXXX XXXX. Upon checking my account later that day, I discovered that the money had arrived early in the morning but had been transferred out to an unknown account within a few hours. I have never sent money to this person before, nor do I recognize the account. 

I immediately contacted Wise customer support to report this incident. After a lengthy wait, I received a response on XX/XX/XXXX requesting additional information, including my ID and photo, which I promptly provided. Despite my compliance and further follow-up emails, Wise remained unresponsive for several days. On XX/XX/XXXX, I received contradictory emailsfirst informing me that my account was ready to be accessed, and later the same day, notifying me that my account was being shut down without any explanation. 

Upon further inquiry about the fraudulent transaction, Wise responded on XX/XX/XXXX, stating that their review did not recognize the transaction as unauthorized and that their decision was final. This response is deeply troubling for several reasons : Lack of Security Measures : Wise claims to have stringent security protocols, including multi-factor authentication and biometric verification. However, none of these measures seemed to have been applied or triggered during the unauthorized transaction. 

No Transparency : There was no detailed explanation of what their " careful consideration '' entailed. It is unclear how they concluded that the transaction was authorized without any input from me, the account holder. 

Immediate Action Needed : The exact amount I transferred into my account was swiftly transferred out, indicating a potential security glitch or breach on their end. Wise has the capability to trace and recover these funds but has refused to take any action. 

I am a long-term user of Wise, primarily for business purposes, and this experience has been extremely distressing. The company 's refusal to assist, coupled with their decision to shut down my account, has left me without recourse and significantly impacted my business operations. 

I am appealing to the Consumer Financial Protection Bureau to intervene in this matter. There must be accountability for companies that fail to protect their consumers from fraud and neglect their duty to provide adequate support. I am requesting your help to ensure that Wise conducts a thorough investigation and recovers my funds. The transaction in question is attached below and I can be reached further for any other information needed
Product: Debt collection

Sent a debt validation and verification letter to the XXXX main credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX. 

XXXX 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 A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX  A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( 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.
Product: Credit reporting or other personal consumer reports

Was victim of identity theft, follow up with XXXX  to remove there inquiries ( late payment, collection ) to my credit report till now XXXX  XXXX  does not neither stop report me nor remove those inquiries to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen with my personal information in it. I recently have had so many inquiries on my report and transunion and XXXX have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help
Product: Credit reporting or other personal consumer reports

these are the fraudulent accounts that I seen on my credit report : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have a Kohl 's department store card for years now. I have never been late on the payments for each month. One month I made the payment on the due date before XXXX of that evening. The next month I received a call from Kohl 's statng that my account was late. I explained that it is was not late and the payment was reflecting in there computer ( rep told me this ). I was then told that the cut off time for payments is XXXX. So my payment is now consider as late. The rep had offered me where if I make next month 's payment and the following month 's payment at the time I was on the phone with him it will not reflect as paid late on my credit report. I agreed and made the 2 advanced payments. Then the following month I noticed it was was showing as a 30-90 day late payment still on my credit reports. I again disputed the information and also contacted Kohl 's customer service and was told it will not show as a late payment. That did not happen. Again I contacted Kohl 's and was told that capital one is the one who holds the Kohl 's account so I contacted capital one and explained the whole situtation to them. I also explained that I do not like making payments in advance for the following month. I pay my bills monthly. The rep from capital one told me that there is no such thing as making advance for the following month and skipping a month. I again explained that kohl 's would tell me that ex : Pay a certain amount ex : {$75.00} and that would cover for 2 months and I would not have a payment till after 2 months. I did not like to to do that as it is confusing. I pay all my bills on time before the due date and never miss any payments. I again contacted Kohl 's customer service and again explained the whole situation and was told that they will send me a letter stating that my account has never been paid late ( I spoke with a supervisor ). I received the letter stating the my account is in current and good standing. I submitted this to all 3 credit reporting agency 's. I believe XXXX  finally corrected it and put this account from an adverse account to an account that is satisfactory but XXXX  and XXXX are still reporting it as an adverse account. This is affecting my credit score. I've been with Kohl 's department store for a long time and never had any issues until now. Actually I just checked my XXXX credit report and it was corrected and taken off so it's just XXXX and XXXX. It make no sense that the status is showing current paid as agreed but yet listed under an adverse negative account.
Product: Debt collection

I didn't received any notification about this collection account until they reported it in my credit reports. I was aware and didn't received anything from in written from Convergent advising about this balance so I didn't have the opportunity to disputed or verify this information. When I found the collection account reported in my credit reports on XX/XX/2021, I immediately contacted them to get more information and let them know I don't owned this balance. They couldn't gave me any specific details about for what is that balance, they only said it was for a balance that I suppose owned to XXXX. At this time, I haven't heard anything back from them and this account still showing in my credit report causing a financial hardship situation.
Product: Mortgage

My mortgage payments are made directly to my Mortgage company from my Credit Union account on a monthly basis. My original loan was with Chase and then was sold to XXXX XXXX Services. When it was sold to Chase XX/XX/2013 there were two payments that were never posted for XX/XX/2013 and XX/XX/2013. They were just forwarded over to XXXX and I have been charged with two late payments ever since that time going forward. I have contacted XXXX and Chase both to have them do an audit of my account and they both said nothing came out of it to change my account to bring it up to date to clear the two late payments. I have also filed a dispute on several occasions with the credit bureaus with no changes.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I have requested for Barlcays bank to stop using my private information and to delete it from all their records. However, I have discovered that they are still using and sharing my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX as 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 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: Credit reporting, credit repair services, or other personal consumer reports

While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/ and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.