23daVinci/CFPB_Complaints huggingface dataset:
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

In XX/XX/XXXX we requested a 6 month forbearance of our USDA loan that is guaranteed by and in accordance with the CARES act of XXXX. Our mortgage company is Rushmore Loan Service Management, which is basically a loan collection service. 
Throughout the whole six months and now beyond, Rushmore has insisted on treating us as a debt that is overdue and that they are trying to collect. They refused to acknowledge the CARES act and tried giving us 3 month forbearances which they were 'choosing ' to grant. They tried to say we were late on the XX/XX/XXXX payment so that the CARES act would not apply. They pretty well did everything you would expect a debt collection service to do, even sending someone by our house about the 'debt '. We have sent them numerous letters with the USDA forbearance guidelines included, and still they insist on saying our loan is overdue and the 6 months payments are due immediately. 
We did not request a 2nd 6 month forbearance and resumed making our regular monthly payments on XX/XX/XXXX. They have accepted each payment while still insisting that we owe $ XXXX immediately. Today we received more letters indicating they are 'reviewing ' our requested loan modification as part of our 'home retention package ' and they will have their decision in 30 days. Another letter says they are appraising our property and may make us pay for this process. 
We hold that per CARES they have no right to do any of these actions. We properly and in a timely manner requested our forbearance and resumed our payments. They have the right to determine if we are capable of making the payments, but as we have never missed a payment prior and are currently making payments as we speak, they sufficiently have their answer. 
Rushmore bought into the mortgage business by purchasing US guaranteed home loans specifically for the purpose of foreclosing on these guaranteed loans if at all possible. Their aim is not home retention but home foreclosure. Every step of the way they have acted like they are eager to foreclose on our home. We have had this mortgage for over 7 years ( since XX/XX/XXXX ) and have never missed a payment on it. They took over our loan 2 years ago ( XXXX ) and we have never missed a payment on it other than the 6 month forbearance. 
We request that your agency act within your guidelines to provide assistance in this matter.
Product: Credit card or prepaid card

I paid of my debt with Fortiva in whole late 2019. Since that time, I had not used my card for any means. Then in XXXX I had received notification that I had a balance due over {$500.00} and I called the company and they had shared the transactions. I reported them as fraud and they transferred to a number that does not pick up. I called customer service again and they gave me " the real number '' and the fraud department emailed an affidavit to fill out and return via email or fax. I returned it immediately with the details regarding the fraud charges. Since that time, I have not received any notification of receipt for that affidavit or the 5 that I have sent via postal carrier. Although, I did receive a letter in the mail that my account has now been terminated due to breaking the account agreement upon signing up with them. My credit score has dropped over 100 points due to this and I am no longer to close on the property that I was attempting to before all of this had occurred. All I want out of this is my account to be settled with Fortiva and back to normal and there will be no harm done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Vehicle loan or lease

My car was repossessed today by Wells Fargo. I did not realize my loan was 3 months behind. I thought it was coming out of my bank account. I did not check bank account as I and my husband have been very ill, my husband being XXXX and can not XXXX  and I was not able to. Today at repossession I tried to get into my account and couldnt. They did not have any paperwork to give me, but the gentleman who was repossessing my car told me he would call the police. I am XXXX XXXX XXXX and was very afraid I would be arrested if I didnt give my car over to him. Now I am faced with insurmountable charges and I fear they will take my car. I believe this is what they want, my car. What can I do. I have never had this happen to me in all these years. I am afraid. Wells Fargo agents said they sent communication that this would happen but I never received anything. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion to dispute negative information and asked for statements to validate what is being reported on some closed and negative accounts. They are violating my rights under the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX me and other 500 clients were scammed by XXXX XXXX XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my XXXX. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, XXXX {$10000.00}, XXXX XXXX Bank {$5000.00}, and Barclays {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the dropshipperz were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me to collections ( Convergent Outsourcing ) for an a box which I returned to their office years ago. They included {$200.00} for the box and {$75.00} for a " Last bill ''. As stated earlier the box is in their office and I don't know how I was being charged {$75.00} for a last bill if the account was always on autopay and when I closed out the account there was nothing due. After years of going back and forth they finally removed the equipment charges on XX/XX/20 but they refused to remove the {$75.00}. I chose to stop fighting them and pay the {$75.00} with the promise that they would delete my collection from my credit because it should've never gone to collections to begin with. On XX/XX/20 I paid this " last bill '' ( I felt I didn't owe ) and they requested deletion of the collection. As of today, this collection is still reporting on my credit and the collection agency and XXXX refuse to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.
Product: Credit reporting or other personal consumer reports

This isnt an individual account. This is my sons account and Im the co-signer
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting 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.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

HI my name is XXXX XXXX and i been disputing lvnv funding XXXX XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Sears account from CBNA reported XX/XX/2018 reported as late payment. I went to the XXXX XXXX Sears XXXX in California to make the same payment each month, and have never been late. I am appalled that this payment was late, and if you review my account for every month, I have never been late. 
Please be so kind to delete this record from my credit. 

Thank you
Product: Debt collection

I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit card or prepaid card

spoken to several of the credit card companies and collection agencies, with multiple representatives over a 1 year period and have yet to receive help or feedback. Alot of the times this has something i can deal with in a timely manner however with covid 19 i am struggling and find it hard to survive with bad credit and can ; t get approve for any emergency loans to assist my living arrangements and with the countless letters i have mailed out and reach out this is hard.
Product: Debt collection

XXXX XXXX billed me after I canceled service in my name and moved from XXXX  to XXXXXXXX XXXX. Never received notification or mail that I owed XXXX. Never knew my debt went to collections to CMI Group ( Credit Management ). Never received mail notification from debt collector. Checked my credit last week to purchase a house and learned I had a XXXX point deficit to my credit score because of a unpaid XXXX XXXX  bill I had no clue existed. I called to dispute but never received help or guidance. I paid the full bill owed to the collection agency as soon as I found out about this in hopes to repair my credit score immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 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 or other personal consumer reports

I had a Military Star account that was paid in full with a {$0.00} balance and closed on XX/XX/XXXX. Despite this, the account is still being reported as In Collections/Charge-off and continues to show late payments into XXXX and XXXX. 
The account was reported as paid by XX/XX/XXXX but still includes negative remarks, late payment history, and collection indicators even though the balance is {$0.00}. 
This is inaccurate and outdated information under the Fair Credit Reporting Act ( FCRA ). I contacted the XXXX XXXX XXXX requesting that the account be removed or updated, but no resolution has been provided. 
Im requesting CFPB intervention to correct this misreporting.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B ( a ) mandates that credit reporting agencies remove all data indicated by consumers as associated with potential erroneous activity within XXXX business days upon receiving such identification. 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

On XX/XX/21 my credit was ran by AmeriSave Mortgage Corporation without my consent I received a letter in the mail stating my 3 credit scores and stating I am trying to apply for a home loan. 
I am not trying to apply for home loan or refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Product: Debt collection

Every XXXX days I receive a text message that says ; we are attempting to reach ( my name ) regarding your gas payment account 's. We can help you get reactivated. Simply respond to this text message to chat with one of our agents or call XXXX. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Thanks, XXXX XXXX Checkredi Also it was from XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.
Product: Money transfer, virtual currency, or money service

A lady purchased a wreath from me so I used a square plug in and scanned her card said payment successfully then took the money out of her account at her bank. I get home and get back on the app it's no where to be found. I have went to the bank with her and they said they can't dispute it bc square took it out of her account. I called my bank XXXX  and they said there is no transaction of {$40.00} deposited. So square has my money bc it still says negative in her bank but no where on the square app account and square says there were no payments been made except XXXX XXXX  on that day.
Product: Money transfer, virtual currency, or money service

I was messaging a person on XXXX on XX/XX/2020, and they promised that they would transfer {$1000.00} into my Paypal account of I sent them a transfer fee of {$56.00}. I sent them the money and they never gave me my money in return. I asked the person to transfer my money back to me but they had blocked me and deleted the conversation we had about this subject.