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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and addresses listed on my credit report that do not belong to me. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent auto loan was opened in my name and now XXXX XXXXXXXX XXXX is reporting a fraudulent loan on my credit report.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiry from XXXX. I contacted Equifax multiple times and informed them of the fraud but they did not remove the inquiry. They requested an FTC report which i have provided and still nothing. Under law, they must remove this one inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Capital One Auto Finance sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than one hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within Capital One that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of time.
Product: Debt collection

I had a secured credit card with wells fargo that was closed by them. Being that it was a secured credit card, the debt was secured by funds I provided. Wells fargo satisfied the remaining balance by utilizing the funds held for security -- so the balance was paid off. Then they charged an exuberant amount of fees which created a large balance that they later sent into collections, and which has adversely affected my credit.
Product: Debt collection

The company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted
Product: Mortgage

I am trying to start the process to " recast '' my mortgage. I have been on the " Making Homes Affordable '' program for the last 5 years*. The BofA sent me a notice that a " recast '' was available if we wanted to keep our mortgage payment at a lower level, who would n't? 
I missed the deadline for getting the notarized paper work back to them. 
I called the help phone number, XXXX, ( on XX/XX/2016 ) to see if I could send the request in late. I was asked to hold while the agent checked to see if they would send me new forms. 
I was told to check back on a daily basis to see if my request had been granted. I called back ( XXXX/XXXX/2016 ) and was told to hold, the agent checked and told me to call back as no decision had been made. 
I had been through this dodge before with XXXX XXXX. I was going to call back this morning to check again. Then I thought the best thing to do was contact CFPB. 
*You helped me before when BofA reported me 90 days overdue. With that incident I requested a posting printout from them and found XXXX major problems 1. they were posting my payments to " Unapplied Cash ''. 2. They showed XXXX or XXXX transactions to my account but the " dump '' showed XXXX. 
I have other problems with them but I will not bother you with them now. 

Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX. The company bank then sold to XXXX XXXX XXXX so it started showing up as XXXX different names on my credit report but the same account. When I went into default, both accounts which are the same accounts starting with XXXX were reporting negatively ( there should only be XXXX account collectively, not XXXX ). On XX/XX/year>, I paid the balance to Midland Credit Management to have the account shown as paid and in good standing. XXXX did report this, but the initial XXXX  account is still showing potentially negative and not paid. These XXXX accounts are the same account and either the XXXX  one needs to be removed completely off of all three credit bureaus or it needs to be reported as the same information as the XXXX XXXX. Under the FCRA, there should be accurate information and since they have been reporting this after disputing with the credit bureaus for the last year, they need to remove the XXXX account XXXX is negative off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CFPB, RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX Tate & Kirlin Associates , Inc state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. Tate and Kirlin Associates inc. did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, Tate and Kirlin Associates , Inc has closed this account and returned it to our client. XXXX XXXX will not be hearing from Tate and Kirlin again regarding this account. -Tate and Kirlin Associates , Inc . 

Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ). 

XX/XX/XXXX XXXX and XX/XX/, Pages 2 of letters sent via USPS from Tate & Kirlin Associates , Inc state : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX may report or continue to report it to the credit reporting agencies as unpaid.

Despite Admitting no wrong doing, Tate & Kirlin Associates , Inc state : Tate and Kirlin Associates inc. did not threaten legal action... and does not report to the credit bureaus. 
yet XXXX XXXX XXXX may report or continue to report it to the credit reporting agencies as unpaid. 

As such, apparently, Tate & Kirlin Associates , Inc choose to ignore Page 2 of their own letters.

Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved. 

Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service XXXX 

Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.

Get these perjurous panhandling frauds out of the Peoples inboxes. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts to rectify inaccuracies in my credit report by submitting disputes to TransUnion, XXXX, and XXXX, they have flagrantly disregarded their legal obligations under the Fair Credit Reporting Act ( FCRA ). It has been over 30 days since my initial dispute, yet they have failed to provide a response or take corrective action. This blatant violation of federal law is unacceptable, and I demand immediate resolution. Attached are copies of all correspondence sent to substantiate my claim.
Product: Mortgage

This is a formal complaint against PNC BANK and XXXX XXXX my point of contact in the loan modification department. We applied for a loan modification twice. The first time we were turned down because the documents sat in the loan queue until it expired. XXXX XXXX informed us to reapply. so we did, the second time I called her numerous amount of times to informed her that our finances had changed and she responded to the voice message I left her XXXX month later informing that we were DENIED. I received that denial letter on XXXX/XXXX/XXXX saying that the modification was denied because of finances. XXXX XXXX, XXXX We received another letter that we have another point of contact. We decided to go with a housing counselor the name is XXXX community housing in Delaware. We have working with XXXX XXXX because our house has gone into foreclosure. XXXX XXXX was the most unprofessional representative I have ever came in contact with. While specking with her over the phone she yawned several times in my ear with no apology as if I was bothering her. We want to save our home. We feel that we were unfairly represented. Thanks in advance.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Wells Fargo manipulated my fraud dispute. I had two issues. First, I had recurring payments of {$2.00} that I didn't see. I also had a large purchase which was unauthorized. I called Wells Fargo about the larger unauthorized fraudulent purchase when it had overdrawn my account by about {$200.00}. The representative didn't follow my instructions. She issued a claim for only the three instances of {$2.00}, and due to a loophole of 60-day window for fraud claims, she intentionally omitted the larger, and most recent fraud claim. This was considerably larger and not my purchase. Wells Fargo subsequently refused to refund this larger claim citing the ability to only process 3 unauthorized charges. They then never gave me the money back, expected me to come up with the funds, and since I don't have the money, my account was closed and sent to collections for a fraud purchase I never did.
Product: Credit reporting or other personal consumer reports

Dear Transunion bureau : I am writing for the third time to formally dispute these items on my credit report that appears to contain inaccurate information. The account in question is a charge-off and belongs to someone else reported by XXXX XXXX and XXXX XXXX XXXX , with these hard inquires : XXXX XXXX XXXX  and XXXX XXXX XXXX. The discrepancies are related to the date of last activity reported by each credit bureau, which are as follows : XXXX : Removed XX/XX/year> XXXX : Removed XX/XX/year> Please follow the 15 US Code 1601, 15 US Code 1692c and 15 US Code 1602p laws for removal.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX {$1300.00}, portfolio recovery {$780.00}, XXXX XXXX XXXX {$230.00}, XXXX energy {$210.00}, affirm inc, XXXX bank {$880.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Product: Mortgage

I never received any notification about the forclosure and I had already had a hired a attorney help me in case any issues like this would come up! Yet the company are starting forclosure process while I was in forbearance and have never tried to work with me or my attorney! There was a gentleman that called me, and told me to fire my attorney and get my money back because he was giving me all the wrong information! I have requested to Rushmoore to have to all communication with my Attorney only because I don't understand how all this works since I never been through this! I also requested that they send all copies of the paper work that I signed to my attorney and yet they have not sent them and the only thing they have done is sends me letters delaying the process over and over again! This company is not following the laws at all because they have made changes to my credit report and they have failed to do any communication regarding the forclosure issues while I was in forbearance and will not communicate with my attorney to send the paper work and have someone call me to get rid of my attorney and was very nasty about it and cruel! How this company able to this and without any communication through my attorney? Are they allow to be so cruel and make these changes? This company has caused me so many problem and this why I filing another complaint and would appreciate answers back regarding this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my recent credit re port CBNA pulle d a hard credit check on  XXXX / XXXX / 2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX remark codes were added to my account that say account information disputed by consumer. I simply called to ask a question about my account which was resolved with Shellpoint Mortgage over the phone yet they added these remarks to my credit reports. They need to stop doing this as this brings the credit score down considerably. This has happened once before and was removed. Please remove these remarks from all credit bureaus.