23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is not a more clear and obvious case of a company violating the FCRA than this. 

This relates to my disputes of inaccurate late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX I am attaching a letter from XXXX XXXX to me. The letter clearly advises that XXXX XXXX submitted my Dispute to Experian on XX/XX/24. 

The letter goes on to advise me that Experian never replied. XXXX XXXX clearly waited for the required 30 days before sending me the letter. 

The failure by Experian to investigate within 30 days and timely update my credit report is a clear violation of 611 - 15 U.S.C. 1681i. They have a clear legal obligation to reply to XXXX XXXX ( reseller ) and convey the results as required by law. They filed to do so. 

( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Because the company failed to verify the accuracy of the items in question, the agency must IMMEDIATELY and PERMANENTLY delete them. This is a requirement of law, and not subject to excuses. There is indisputable proof the credit bureau failed to investigate or response within the time frame required. The proof comes in the form of a formal writing from another XXXX XXXX XXXX that is attempting to comply with the law, but has been prevented from doing so by the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an 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 following items of information Any other adverse item of information, other than records conviction 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 the information is incorrect.
Product: Debt collection

Yesterday this company portfolio recovery called me twice which Ive proved with screen shots of voicemails from them. Today they have called 3 times. Which I also have voicemails to people, they know the law and should follow it before they find themselves on the receiving end of a harassment lawsuit.
Product: Debt collection

Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. 
After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.
Product: Mortgage

We had been in forbearance from XX/XX/XXXX to XX/XX/XXXX XXXX the loss of my job. While in forbearance we underwent needed repairs and refurbishment of the property in preparation for sale. Upon the completion of the forbearance period, the company sent us an email describing further options available to us if we were still facing a hardship. 

We inquired whether we could modify our loan to include the amount in arrears, and to resume payments at a level we could afford, until we can sell. We want to stay current in some fashion on the loan so we can keep our credit rating at a level where we could manage to find housing after the sale. Our single point of contact at the company, with who we have been instructed to work, has up until now failed to respond to this request in any way, continuing to ask questions regarding our intent with the property which we have answered on multiple occasions. 

Previously this summer, while still in forbearance the company reported us in delinquency, resulting in a huge drop in our credit score. With your assistance that was reversed. We ask your assistance again in helping us to meaningfully communicate with the company to work out a resolution. 

We want to work with the company to resume payments ( although at a lower monthly level ), stay current, and allow us to sell the propertry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit n over 90 days i have everything removed on XXXX. Because all has been paid. I disputed with equal fax but when i go to see update it says nodisputes
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Product: Debt collection

XXXX at January Technologies has been continuously emailing me about an alleged debt. I have not given the alleged original creditor XXXX XXXX consent to share any of my private, nonpublic, personal, and/or identifying financial information with said third party. With that being said, January Technologies has no CONSENT or AUTHORITY to even possess my nonpublic, personal, private, and/or identifying financial information. I was not given a proper disclosure from the alleged original creditor Snap Finance of their intent to disclose such consequential information nor was I given the opportunity to opt out, which is required by law. XXXX at January Technologies has no authority or consent to contact me regarding this alleged debt, especially over 15 times by email. I am being harassed by XXXX at January regarding an alleged debt that they have no consent or authority to even have or disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails to respond to errors on my report They fail to update balances They fail to remove errors They do not update me on my requests They  drop my FICO   XXXX  points with no explanation When I request a copy the page states unable to complete your request When I call  XXXX  number they hang up This is a disgrace There is a  XXXX  point difference in equifax compared to the others I need Help
Product: Debt collection

I never received anything from creditor or debt collector i owed anything, I found out whn my credit score dropped. I have called and paid it over a year and half ago and have pleaded for them to take this off my credit. When I pais it they said they would now they won't help me.
Product: Credit card

I paid off a credit card when refinancing. The payoff was {$1600.00} too much. Wells Fargo received the payment on XXXX/XXXX/15. said they refunded the money 20 days later on XXXX/XXXX/15. 19 days later still have not received the refund. 
Spoke to a " supervisor '' who said that if I wanted another check sent out, they would first have to send me a letter to get notarized, send it back and then Wells Fargo will send me another check in the same manner. they refused to send it via any way that can be traced.
Product: Credit reporting or other personal consumer reports

In response to your this complaint being closed. I never received a letter from Tranunion Consumer Solutions requesting my SS #. I would like this to be re opened and the letter sent to me so I may provide the information requested. If Transunion can send this letter via certified mail I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report from Equifax since XXXX of XXXX. I can't access it online, I can't access it over the phone, and Equifax has never responded to my request for a report or my disputes. I sent out a letter in XXXX of XXXX and have yet to hear a response. Despite being sent all of the appropriate documents they still refuse my right to free and fair consumer report. 

Equifax refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. 

Equifax has an account on my report that is attached to an address that does not belong to me which again is a violation of 15 USC 1681. 

Equifax also has a closed utility account that is attached to an address that does not belong to me that says charged off in XXXX. The creditor has never sent a in all this time XXXX which proves the inaccuracy of the account. 

Equifax also has XXXX bankruptcies attached to an address that is not mine reporting. These bankruptcies need to be removed as well. Equifax received their information from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. 

These are all violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.
Product: Mortgage

I made a payment Rushmore servicing in the amount of {$8400.00} over the phone to bring my account current and advised for the Loan Modification to be canceled because I did not want it due to me bringing the account current. 
When I called to days later to verify that the modification had been canceled I was advised that it had not been so the gentleman was supposed to take care of the Loan Modification cancellation at that time. At that time I was given a new payment amount which was greater than my original payment, the new payment was supposed to be {$1100.00}, I explained that my payment was only {$1000.00} previously. Rushmore Servicing is stating that the insurance and taxes has gone up a second time. I advised that the the taxes can only go up a very small percent each year if it had increased because over {$110.00} seemed to be excessive. When I logged unto their system today XX/XX/year> to make the XXXX payment I was still showing on a modification with a minimum payment due of {$1200.00}. With this information showing it prompted me to call to see what was going on, the first young lady released the call. After getting someone else on the line, she could do nothing but apologize that the loan modification has not been canceled and to tell me it should have been completed by now but to give more time. I requested for loan assignee to give me a call along with requesting a review of my Loan and the Modification and fees applied. In the meantime I'm only paying the mortgage without the additional {$70.00}. I really need help or guidance because I believe this mortgage lending is setting me up for failure when I'm trying to do right by my loan. I really don't understand why my loan was transferred to this company anyway. I told the previous company that I was having XXXX  problems and even this company and it seems that they are taking advantage of my situation. 

I'm just needing guidance and help because I can't seem to get forward when I call to contact this company. 


Loan Modification... 

Fees {$70.00} ** Payment made XX/XX/year> {$8400.00} Expected payment {$1200.00} XX/XX/year>, Advised in XXXX the payment should be {$1100.00}
Product: Credit reporting or other personal consumer reports

Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Bank account or service

i am having an issue with @ TDBANK_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ TDBANK_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ TDBANK_US from charging cards that have no funds on them
Product: Mortgage

During COVID 19 and the month of XXXX-XX/XX/2020, I asked Shellpoint Mortgage Servicing for a three month forbearance which they agreed to provide me because our city was on lock down and being XXXX  XXXX  had no income coming in. I contacted Shellpoint in XXXX and started making payments as they requested to keep the account current. They finally gave me a a twelve month re-payment of the three months that where in the forbearance in XX/XX/2020. 

Since then they have place 120 Late Indicators in my Credit File for the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/2020 thereby ruining my credit. Since XXXX I have made endless calls asking them to put my account as current since I have not missed any of the payments that they required after the forbearance period but to date no resolutions has been accomplished. They have totally ruined my credit and continue to put 120 day Late indicators on my credit file month after month. They claim that even though they agreed to a repayment of the three months of the forbearance period the loan is not current they will continue placing 120 late payment indicators on my credit history file. 

My account number is XXXX- Shellpoint Mortgage Servicing XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX , SC XXXX Tel. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had a account hit my credit report about a week ago for {$820.00}. I don't know what it is for or who the original company is. No one has reached out to verify the information they've added to my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 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

Upon viewing my most recent consumer report, I saw XXXX  that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX Experian sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice
Product: Vehicle loan or lease

My XXXX XXXX was over XXXX and yet Wells Fargo gave a very high interest rate and after paying XXXX years it still only paying interest only and my principal is still pending. Wells Fargo is not upfront with the payments and paying of interest and principal
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX 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 filed an initial dispute regarding XXXX not applying a Forbearance on my loan as I requested which resulted in them reporting my loan 90 days past due. I spoke with a representative with XXXX who pulled the call and stated the representative was unclear on the call but confirmed I asked for a Forbearance. I filed a dispute with XXXX and TransUnion, XXXX refuse to remove the 90 day late but also reported me 90 days past due for XXXX when I'm in a forbearance starting XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Money transfer, virtual currency, or money service

I am aware of the current lawsuit against XXXX and I am a consistent XXXX user, therefore I believe my loyalty and trust as a customer should be recognized with compensation as a result of these claims against the company.