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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items account : XXXX XXXX XXXX XXXX XXXX XXXX Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( 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 ( 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 5 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 ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 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.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the case XXXX with XXXX  and the case XXXX with Wells Fargo. We have done some extra research and checked carefully and indeed there was an issue with Wells Fargo, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called Wells Fargo and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX  ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of Wells Fargo, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of XXXX, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with XXXX could have been the effect of the dispute that Wells Fargo put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official XXXX  website after successfully submitting all the required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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

Equifax is showing that my XXXX XXXX XXXX XXXX ( Car Note ) is past due. This is incorrect. My account is current and not in a late status. I have tried disputing this information with Equifax online and the online dispute would not allow me to dispute.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Certain listed accounts are not accurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I  have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Sub # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Debt collection

Beginning or about XXXX of 2022, Progressive Management Systems received three medical debt accounts with balances less than {$500.00} each. Progressive Management Systems did not wait the required 12 mos prior to reporting the medical debt to credit bureaus. Further, Progressive Management Systems combined balances from different dates of service for the purposes of reporting debt that is not yet eligible for reporting, and for reporting debt that does not meet the greater than {$500.00} threshold for reporting. This was done to damage credit in an effort to coerce payment of low balance medical debt. This agency has failed to respond to requests for removal of the prematurely reported balances and continues to report one large balance instead of the individual accounts that they received with balances that resulted from different dates of service. They are abusing loopholes in the law and have failed to substantiate the debt amounts despite requests to do so.
Product: Mortgage

I first refinanced my loan in XX/XX/XXXX with XXXX Mortgage. First I am the creditor. All funds are from XXXX account. I presented to you in a file the loan inception MERS has had my loan as inactive. From that point my loan has been sold and passed to several mortgage companies without my consent and without a contract and sometimes without notice. 
in XXXX I requested New Rez by sending paperwork and a notice terminate my loan to the CFO. I got no response or rebuttal. I recently sent the papers as usual no response. I have no contact. My loan is being assigned from lender to lender without a contract. No contract no means they can not sell my loan at will. I am the original creditor. New Rez, Shellpoint, XXXX, XXXX and XXXX  XXXX XXXX have no authority to sell my loan on the open market. 
This is alleged conspiracy to commit mortgaged crimes has been and is being carried out for more than 10 years. Neither has a right to do sell between either as I am the creditor. Neither has any paperwork for my mortgage. The sad thing is New Rez is preparing to sell it again between their newly formed company, formed by Shellpoint. This is fraud. I have filed with the IRS to cancel the loan. If I can not get remedy I will file with the Inspector General to see that this matter is stopped. 
Furthermore I continue to keep a fraudulent loan current under the threat of foreclosure. I have suffered and been injured by these mortgage companies through phone threats, I have had hardships with my family and filed bankruptcy because of this coercion put on me and my family. During which I have lost two son 's and the pressure of the loan has been injurious to my family. No response from them only pay or lose you home. My home is paid for from the time of inception. My credit report had suffered also. No contract no loan. You have my legal paperwork. I command all the money for the loan back and my monthly payment for more than 10 years back and the loan closed. 

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

i applied for a car and noticed accounts that were opened without my knowledge
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Credit Card Accounts Authorized User/ Advised to Remove XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$20000.00} XXXX XXXX BALANCE : {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance {$3.00} XXXXXXXX XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ, XXXX
Product: Debt collection

in 2013 i picked up an upgrade i phone was not satisfied and contacted XXXX XXXX XXXX and i was told to bring everything back and did so do to there 100 % customer satisfaction .when doing so representative said it was not possible and i ask to speak to manager witch also said the same.. contacted customer service and asked to speak to manager they said they were sending a box to return never got the box .then when i would call they would put me on hold and give me the run around got tired of playing there game and cancelled service ..they are bullies and because they have a contract that is null and void do to there actions of FRAUD this item was removed from my credit report ..and now is back on and needs to be removed do to FRAUD by XXXX XXXX XXXX by not standing by there word..
Product: Debt collection

My fiance and I moved from XXXX XXXX, Texas to XXXX, Texas in XXXX. We had closed out the utility service and gave them a forwarding address. When we called and closed the account we had paid a final payment, and was told that the account was closed and that what we paid was the final bill. Because we are talking about purchasing a house, I wanted to check my credit report. I realized that there was a bill in collections. I immediately filed a dispute with XXXX and XXXX. I had never received any further contact from XXXX XXXX XXXX   after we had called to close the account. We were unaware that we even had an outstanding bill with them. Over a year later, they sold the bill to Credit Systems International. This debt has been in collections since XXXX. We have never received any notifications that we had a debt in collections. We have never received a debt validation letter notifying us that we had something in collections. XXXX immediately reversed the collections on my credit report, but XXXX is saying that they verified that the debt is mine. Three years later and I have never been contacted by this company via mail or left any type of voicemail letting me know that I had an outstanding balance due.
Product: Debt collection

In XXXX, I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. In XXXX, a body attachment had been issued and I had been XXXX  Between XXXX there is no record of me paying anything. Which is impossible! I had been garnished several times without being acknowledged, which is why i will never work again until this is resolved. Their collection agency Hawk, Haynie, and Kammeyer, which is two floors below XXXX XXXXXXXX XXXX  had frozen my bank account last year. They threatened to take my dead fathers possessions if I didn't pay anything. The records show that in XXXX I paid them XXXX XXXX in XXXX i gave them XXXX XXXX and last year in XXXX, I gave them XXXX XXXX because of the hold on my bank account. I have all the receipts. They are saying I still owe them XXXXXXXX XXXX I have paid what I owed him twice now, and their telling me to pay it a 3rd time! Interest should only be double. I have appeared in XXXX office several times and he is never there. I left him my phone number several times and he has never called! ... .I strongly believed im being scammed.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

Received four calls from the same number XXXX on the same day, XX/XX/2023, at XXXX, XXXX, XXXX, and XXXX. I confirmed the company calling me is XXXX XXXX XXXX. They had the wrong number, I am not the person they are hoping to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX, XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Debt collection

There was a debt of {$4900.00} from XXXX-XXXX XXXX in XX/XX/XXXX. XXXX XXXX   contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX. The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. XXXX-XXXX XXXX would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and XXXX-XXXX XXXX over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to XXXX-XXXX XXXX, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or XXXX-XXXX XXXX willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the XXXX-XXXX XXXX customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to XXXX-XXXX XXXX  and the Collection Agencies.