23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Mortgage

LOANCARE bought our loan XX/XX/XXXX. 
They have sent out paperwork saying we owe our monthly amount PLUS PMI. They ADDED PMI back to our loan. 
PMI was removed by previous XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Emails have been sent. Phone calls on hold OVER ONE HOUR have been placed. Not contact is easy with this company. And after looking online at the company- of which we had no choice in taking our loan- has hundreds of cases like this. Tax numbers being wrong. Escrow accounts withholding and not paying out excess, etc. 
PLEASE REVIEW THIS COMPANY The idea of stressfully dealing with escrow every year or incorrect tax information EVERY year with these people make my physically sick with worry. They should not have this much power unchecked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXXdentity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Mortgage

During the 2021 I was in a forbearance plan for my mortgage with COVID-19. At the end of my forbearance plan we did a loan modification to be paid back what has been messed the service company than doing to my credit for no payments for 90 days which significantly impacted my credit. I filed an air through experience and they said no air was found I have tried to work with the mortgage company and keep getting the runaround.
Product: Student loan

The are charging interest on a daily basis. Total daily interest accruing is over {$5.00} a day. At that rate the loan will never be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to reference complaint number XXXX. According to FCRA if an account is written or charged off it can not show a past balance. Capital One is in direct violation of the FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian reinserted previously deleted acct XXXX. The FCRA lays out specific requirements that have to be met in order to reinsert an account. I was never notified by transunion in writing within 5 business days from the date of reinsertion. This is a violation. Prove that I received notice. Theres no certified mail, signature, green return receipt. Experian is to certify that the information is accurate. So Im requesting the method of verification as well as the information used to verify that the account is accurate. Due to violations of the FCRA I want this account deleted. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a Payment Plan with XXXX XXXX  Collections Department because the account was closed and I wanted to pay me debt off. I am really grateful that they gave me credit. We made an agreement that I would pay {$260.00} every month for 31 months and my debt would be complete and I wouldn't owe any money. They also said that no extra charges including past due balance or interest would be added as long I was still enrolled with the Payment Plan. Today I got an email from the credit bureau saying that there was a change with my XXXX XXXX XXXX Account. I checked and they added {$200.00} to the amount past due balance. Please help me. Thank you and have a great day.
Product: Student loan

I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you
Product: Credit card or prepaid card

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CBNA XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CBNA XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that still, the same accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It isn't acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts and fix or correct it in my personal file : 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

I previously had an unsecured credit card with The XXXX XXXX XXXX XXXX XXXX and it was charged on or about XX/XX/XXXX. The account was sold to XXXX XXXX XXXX. I paid the debt and collection on XX/XX/XXXX and the debt was removed from my credit reports. I disputed the original creditor on XX/XX/XXXX and received a nasty letter that they had spoken with me and I had made a payment on the account. All of this is true ; however it was before the account became negative. I went through a lay off and could not afford to keep up with the card payments and they were not willing to work with me at the time. When account was sold/purchased by XXXX XXXX XXXX XXXX XXXX able to pay off. 

On XX/XX/XXXX I tried disputing the charge off with the credit bureaus and I received an email from Experian saying that the account had been verified. I sent yet a second letter on XX/XX/XXXX in regards to inaccurate reporting and it came back verified as well. On XX/XX/XXXX. I sent my third letter asking Who? When? How?, the debt was verified. 

The XXXX XXXX XXXX XXXX has been updating my report as OK since the initial charge off and has since added two additional charge offs. XX/XX/XXXX charge off XXXX XXXX OK and an additional charge off XX/XX/XXXX after my MOV letter was sent. 

I have attached a copy of the reporting from XX/XX/XXXX and XX/XX/XXXX, so that you may see how the report has been updated continuously since the charge off.
Product: Debt collection

we keep getting calls saying we owe a loan that we didnt even take out and that this company was going to take us to court and seek other damages and they call at all times of the day and nite and i told them just try and see what happens they have tried this in months past and we have caller ID so we dont answer the call and they quit for awhile and now it has started back and it comes from a XXXX #
Product: Debt collection

Avant allow a person to use my information to open up an account and they are refusing to remove this fraudulent debt, even though they've acknowledged that the debt was not mine. They have yet to produce my wet signature to confirm this was my debt.
Product: Debt collection

I was contacted by phone on XX/XX/2018 to collect a supposed debt. When I began asking questions regarding what their company name and mailing address was to send them a letter requesting verification of the debt and requesting them to stop contacting me, they would hang up the phone. I had to call them four more times before I spoke to someone named XXXX who gave me the company name XXXX XXXX and a P.O. Box address. When I asked if this was the appropriate address to send mail and if not could I have that address I was transferred to a " manager '' named XXXX XXXX. who explained that they were collecting on behalf of XXXX XXXX and that their company name was Unifin. When I asked if the P.O. box address would go to XXXX or Unifin and who I should address the collector XXXX XXXX. could not provide a straight answer. The company said that they have sent multiple communications by mail, but I have not received any letters or any way to contact the company by mail, or phone except when they call and then hang up when I ask questions.
Product: Credit reporting or other personal consumer reports

I was notified that a collection account was added to my credit report. I have no recollection of this collection and I have never been contacted about this. I am living in the same apartment complex as of today and for the past XXXX plus years, and I have amcible relationship with management staff. My rental account is current without outstanding past due debt, and with the up-to-date contact info but never received any notification, email or phone, about the alleged debt. I believe that the alleged debt was incurred by others in the complex but mistakenly assigned to my credit report.
Product: Credit card or prepaid card

I was double charged on my citi credit card. On XXXX XXXX, XXXX I was charged {$240.00} for a purchase that I made with XXXX XXXX. On XXXX XXXX, XXXX I paid this off in full. I did not place a follow up order. However, in XX/XX/XXXX I was charged {$240.00} for an order that I did not place or receive. Citi sent me a letter wanting more information but did not send the mentioned information that I needed to make a reply. Their letter did not make sense. They recended a credit they had issued for the {$240.00} saying I had received the merchandise, which I had not. I have always paid for things that I ordered, but I did not order a second shipment from XXXX XXXX nor did I receive one. I can not afford to pay this, and will not even though they want to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names reporting on my credit file are in correct : XXXX XXXX, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, 120 days late for XX/XX/XXXX, and XX/XX/XXXX. USDOE/XXXX  : XXXX  is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX, XXXX  is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX, 150 days late for XX/XX/XXXX, 180 das for XXXX through XX/XX/XXXX, 150 days late for XX/XX/XXXX, Equifax is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, 120 days late for XXXX andXX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX. XXXX : XXXX is not reporting any late payments, XXXX  and Equifax are reporting a current payment status but late payments of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX  Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX  AT XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX and Equifax is nor reporting this account. Chapter XXXX  Bankruptcy : XXXX  ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ) are reporting a discharged bankruptcy as XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied XXXX under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$86.00}, XXXX  XXXX balance {$2100.00}, XXXX XXXX XXXX balance {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.