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

In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and Transunion about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) Transunion and XXXX were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax consistently shows my credit scores at least 23-30 points lower than the other two agencies reporting scores. XXXX shows XXXX, XXXX  shows XXXX and this creates large problems for me when people look at my credit scores. I have been given bland, hard to understand answers from other people as to why they do this. I have heard from friends who experience the same problems of them showing lower scores. I just want them to show consistent scores like the other agencies and stop putting my scores at the bottom. This is totally discriminatory and causing me problems. 
I never liked this scoring issues to begin with, it pits you up against wealthy people and upper class people, I am struggling to clean up my record and they are hurting my chances in doing this.
Product: Debt collection

Recently, I did an investigation on my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX XXXX ( creditor XXXX XXXX Michigan ) XXXX. XXXXXXXX XXXX ( creditor XXXX and XXXX XXXX ) XXXX. XXXX XXXX  ( creditor XXXX  ) Derogatory marks : XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other inquiries I have not approved of
Product: Credit reporting

Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to XXXX, XXXX, and Transunion in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.
Product: Debt collection

I have a settlement Stipulation in which I pay {$100.00} on or before XXXX of each month until the settlement amount is paid in full. So far I have send in XXXX payments certified mail on time. Twice now have I had them cross out the account number for which the payment was made on and replaced with a different account number followed by a letter to me stating that I am in default of the stipulation of settlement and they plan on applying judgement against me. I believe this is a dishonest way to collect on XXXX different accounts and to manipulate me into paying the settlement in full.
Product: Mortgage

back in  XXXX  when I bought my home was a interest only loan for 5 years it was suppose to change to conventional in  XXXX  .i go t a letter from citi mortgage 6 years later that my payment before escrow was going up from  XXXX  to  XXXX  in  XXXX   XXXX  if it would of adjusted when it was suppose too it would of went up to  XXXX  in  XXXX  instead of 2400.i feel something not right.so in 6 years we paid  XXXX  an there only crediting  XXXX  towards the loan
Product: Mortgage

I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit, Income, appraisal and all other paper work went through without any issues at first. In my area there is XXXX contamination in the ground water so the EPA installed carbon filters in all the houses in the area as a precaution. They check the water quarterly and also contracted the XXXX water company to also sample the water on a monthly basis. This was the process that was already in place when I purchased my home in XXXX. The appraisal report which Freedom mortage reviewed also indicated the water contamination as well the fact that construction would be complete in XXXX of XXXX to deliver city water from the nearby city of XXXX. The loan underwriter did not mention any issues from the appraisal report which he forwarded to me indicating that the house appraised above the amount that I requested. 

A requirement of the VA was to have a water sample done so I contacted the loan officer to let him know that I could provide the EPA and XXXX water test. He indicated on XXXX that they would not be able to do the loan specifically because the VA would not allow it due to the well water contamination. I told him that I purchased the house in XXXX which they knew form my application so why would the VA deny it. He said that I could cancel the loan and reply after the city water was connected to my house in XXXX. I told him that I would lose my {$450.00} paid to the appraiser and {$200.00} for the termite inspection. He said that they might be able to give me a discount when I applied again. At that time I did not know what to do and he said they would put the loan on hold. 

I emailed him later that day asking to speak to a supervisor and she told me the same thing that the best they could do was put my application on hold. I contacted the VA with my case # and was told by the VA Representative that is handling my loan that they did not put my loan on hold. I was also instructed to contact back Freedom Mortgage and explain to them to that VA only required to have the water tested and that they could the VA Representative directly. I left a voice mail message and sent an email. I missed a call back from a different phone number that my loan officer and when I called back it went straight to voicemail each time without a recorded message or name. My loan officer has not responded to voice or email in over a week. Please note that each time I did speak with someone the first thing they said was that the call is being recorded and that even though they said my loan is on hold status I have not received any paperwork stating such and no mention about my loan rate which was locked until XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Indiana XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information FCRA Violation Dear XXXXn Dispute Department, I am writing to formally dispute inaccurate and unverifiable information on my credit report. Upon reviewing my report, I found an account listed under XXXX XXXX with a reported balance of {$19000.00} that contains discrepancies and potential violations of the Fair Credit Reporting Act ( FCRA ). 

The account in question shows an involuntary repossession and placed for collection status, with the last reported payment on XX/XX/XXXX, and a closed date of XX/XX/XXXX. However, I dispute the accuracy of this information based on the following violations : XXXX. Violation of FCRA 1681i Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies ( CRAs ) must conduct a reasonable reinvestigation when a consumer disputes an account. The balance of {$19000.00} does not align with the original highest balance of {$12000.00}, which suggests that improper fees, interest, or charges have been added without verification. I demand that XXXX conducts a proper investigation and removes this unverifiable information. 

XXXX. Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy According to 15 U.S.C. 1681e ( b ), CRAs must ensure that consumer reports are prepared with the maximum possible accuracy. The inconsistent payment history, incorrect balance, and unverifiable repossession status indicate that XXXX failed to uphold this standard. 

XXXX. Violation of FCRA 1681s-2 ( b ) Failure of Furnisher to Properly Investigate Brite Finan, as the furnisher of information, is required under 15 U.S.C. 1681s-2 ( b ) to properly investigate disputes and provide only accurate and verifiable information. If they can not furnish proof of the validity of this account, it must be removed from my report. 

Requested Action In accordance with my rights under the FCRA, I am requesting the following : XXXX. A full investigation into this account, including verification of the balance, payment history, and repossession status. 
XXXX. The removal of any inaccurate or unverifiable information if the furnisher can not provide proper documentation. 
XXXX. A written response within 30 days per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I have attached copies of my credit report, account details, and any supporting documents for your review. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights under the FCRA. 

Thank you for your prompt attention to this dispute. I look forward to your response.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Bank account or service

I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.
Product: Student loan

I 'm former student of XXXX college XXXX XXXX CA XXXX. After this campus closer they have handover lender to collect XXXX loans to one lending company XXXX amount of {$3300.00}. And I have start to paying my outstanding amount with them in monthly basis. And in the meantime another lending company Deville Asset management reached to to my credit reports and they do the collection in my XXXX credits. 
I spoke to them and they promise to remove my collection from my credit reports. But nothing happened yet. I have reported to XXXX and still under investigation. I need to take out my collection from my credit report and increase my credits score.
Product: Credit card or prepaid card

XX/XX/XXXX   ADP ( www.adp.com ) reissued my  FSA  card. I activated it and used it in   XX/XX/XXXX   and again   XX/XX/XXXX .  XX/XX/XXXX   I went to pay a  XXXX  bill on Friday   XX/XX/XXXX   and it was declined. I called ADP and they said the card was never activated. I told them f or one i activated the card, for two  i used the card twice afterwards. They said oops we dont know what happened. So i told them i need this card reactivated. They said they could not. They had to reissue me a new card. Afterwards i remembered i needed my card now because i was traveling thos week and called back. The  2nd   CSR w as a complete waste of time. While on hold 30 MINUTES called to get a different CSR. She tried to escalate but because of the other  two w asting time and handling poorly closed fir Friday. Called  1st th ing monday morning spoke to escalation person, he said because the  1st CSR put it in as a stolen card that he could not do an ything with the card i have in my possession. I am not sure what kind of hinky, unproffesional, shenanigans are going on in ADP but falsely inputting my card as stolen and shrugging it off which the escalation person did is completely wrong. I am a  XXXX  veteran and i have monies taken out of my check to cover medical expenses. For a company to say oh well not our problem and tell me to take my personal bank monies out to cover THEIR BLATANT MALPRACTICE and NEGLIGENCE, and their answer is for me to pay out of pocket and then file a claim that takes weeks to process. They should NOT be allowed to continue. Who else has this happened to and continues..   CSRS AND escalation codes  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting

my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance.
Product: Credit reporting or other personal consumer reports

This company is committing security fraud no 1099 ( a ) has been file in my name from the company and Im in touch with the irs about it now the company reporting to my credit report in violation of my privacy rights and making money off of my security without giving me my share per the company XXXX form
Product: Mortgage

On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter. 

This will serve as my second request. - Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to a representative named XXXX at transunion and they are refusing to remove hard inquiries that have not been verified and or authorized. They stated they do not remove hard inquiries. I even spoke to a supervisor that stated the same thing. These items have not been verified and therefore they legally need to be removed from my credit report. The following inquiries should be removed.I explained to them the burden of proof is between them and the creditor and they refused to verify items. 

XXXX XXXX XXXX XXXXXXXX, 2020 XXXX  XXXX, 2020 XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 Please have transunion remove these items immediately because the are breaking the law
Product: Debt collection

Hello this company has for the past 7 years put something on my credit that i tried so hard to show them that is not mine and have encountered nothing from them but lies and and manipulation of the system the 7 years have passed and it was removed off my credit but today i received a notification that they placed it back on my credit file with XXXX in direct violation of the fair credit act
Product: Credit card

My father XXXX XXXX XXXX XXXX and I received AMEX credit card spending offer from AMEX. The offer requires $ XXXX spending for {$200.00} credit. 

Here is the offer term : Offer valid only on room rate and room charges at the following XXXX XXXX participating hotels in the U.S. and U.S. TerritoriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservations must be made online at XXXX  via the XXXX XXXX App We booked the XXXX, XXXX XXXX XXXX XXXXXXXX. Each of us spend $ XXXX on room charges, posted on XX/XX/2023. However, AMEX told us our transactions are not eligible because the hotel property is not in their list. 

But the offer does not disclose any property list in the term. It only specify that customer only need to stay in the specify hotel brands to be eligible offer. And we did that and met all other requirements
Product: Debt collection

Tower Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting CPS, who appear on my credit file as CPS numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF IDENTITY THEFT AND PRIVACY VIOLATION STATE OF ILLINOIS COUNTY OF CHAMPAIGN I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, being duly sworn, depose and state as follows : XXXX. Identity Theft Claim : I am the victim of identity theft, as unauthorized accounts and/or transactions have appeared on my credit report. These unauthorized activities do not reflect my actions, intentions, or consent. 

The following accounts must be removed from my credit report as they were opened or closed without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Changes score b/c it drop from XXXX to XXXX Need to report XXXX XXXX. Privacy Violations : a. In accordance with XXXX CFR Part XXXX, which regulates the privacy of consumer financial information, there has been a violation of my privacy due to the disclosure of non-public personal information without proper authorization. 
b. As per the Privacy Act of 1974, my personal and private information has been mishandled, violating my rights as a private individual.

c. Under 15 USC 6802, I am entitled to be given the option to opt-out of the sharing of my non-public personal information. This was not provided, constituting a violation of my legal rights.

d. According to 15 USC 6805, entities are required to enforce the disclosure limitations of personal information, which was not respected in this case.

3. Right to Opt-Out : I affirm my legal right to opt-out of the sharing of my personal information as outlined in 15 USC 6802. This right has been infringed upon without my knowledge or consent.

4. Request for Resolution : I demand that the unauthorized accounts listed above be investigated and removed from my credit report immediately. Furthermore, I request that the responsible party for the privacy violations provide a full disclosure of how my personal information was used, along with assurances that such violations will cease going forward.

5. Enforcement of Rights : I hereby invoke my right to enforce the protection of my personal information and request corrective measures be taken to prevent further violations of my privacy under applicable federal laws.

I will be seeking compensation for these injuries to the consumer {>= $1,000,000} in A administrative hearing I will lien your company in tell the Compensation is payed in full I affirm under penalty of perjury that the above information is true and correct to the best of my XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. 

Link used https : //obamawhitehouse.archives.gov/issues/education/higher-education/ensuring-that-student-loans-are-affordable Person XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.
Product: Mortgage

I submitted a complaint about loan servicing. The number of that complaint is XXXX. I do not consider XXXX to be a " going concern ''. I asked to be informed about the process for transitioning my loan to another servicer in the event of XXXX bankruptcy. The response was that there would be a response within 60 days. I do not consider this to be a response. I have no reason to believe that XXXX is devoting sufficient and adequate resources to support its business offering.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX OPENED XXXX, XXXX XXXX Amount : {$10000.00} is an account fraudulently opened using my personal information without my knowledge or consent