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

I searched my XXXX  credit reports and found. that the CRA XXXX  XXXX just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with Bank Of America.. First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) XXXX reports ( 3 ) three different amounts as the amount owed to Bank of America!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' B of A '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! XXXX  & '' BofA '' also list a third amount of {$490.00} as the figure owed to " BofA '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, XXXX  and " B of. A '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and Bank of America disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP ME..
Product: Credit reporting or other personal consumer reports

the following are the list of inquires made by this companies. I request that the protection bureau takes action and request this companies to comply and eliminate my information from their system. This companies are currently on my credit report. I have no knowledge of how they are in my report. please advise urgently. 

XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, CT XXXX Date of inquiry XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry. XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have been paying on this loan since XXXX of XXXX and it is still way too much to get it paid off. The interest rate is 66.74 % APR, I was recently informed that the interest rate since XXXX was capped at 36.00 %. So I would like to get them to decrease the interest amount to the factual per law in Arizona and do to that retroactively to the first day of the loan. I did not contact netcredit because I knew they would argue with me or not answer me, because it took me 3 weeks and continuous contacting them via email to get them to cancel ACH withdrawals. They kept sending me an email back telling me I had sent to the wrong email, but I took the email from the contract where it states the email to contact to stop ACH payments. I finally got thru by sending via fax and also email with a copy of the contract attached with the email highlighted for them to tell me again i had sent to wrong department. So I was not going through the delay again.
Product: Mortgage

My new lender, Ocwen ( I believe they purchased my loan from XXXX XXXX XXXX ), has continually harassed me for proof of insurance at my condo, which is insured through my XXXX ( XXXX XXXX XXXX never asked for this ). Every time Ocwen has asked for this I have submitted the proof of insurance as supplied by my property management company and their insurance partner. However, Ocwen has now started charging me over $ XXXX/month for a separate insurance policy they have taken out without my permission, and this has happened for XXXX months in a row now. And their " customer service '' phone service is absolutely horrendous. After listening to several minutes of automated messages, most of the time I " mysteriously '' get disconnected. I even tried calling their " Consumer Ombudsman '' service yesterday and, after getting mysteriously disconnected even there the XXXX time, proceeded to leave a message though I doubt I 'll hear from anyone. 

I have demanded several times now that they immediately stop charging me this escrow charge and also reimburse me for previous months ' charges, with no response. I have tried this via email, official submission online, fax and phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is Brookwood Loans - a Balance of {$830.00}. It reports that I am 180 days past due. It is reported that I have been late 64 times. The date of the loan is XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. I have been trying to get the original loan documents from this creditor. This is a fraudulent loan and was taken out by a family member unbeknownst to me. The creditor refuses to give me any documents or verify the loan. He verbally accused me of lying over the phone. This has been going on for years. I have called over the years and received no help. I asked the manager XXXX to mail the documents to me verbally and he stated, " I can't do that because I don't know if you're XXXX XXXX. '' This creditor 's inaccurate reporting has kept my credit rating in the toilet. This has caused me a great deal of stress and XXXX. I have written the creditor and asked for the original documents and the creditor responded by writing me back stating I should log onto the website to get the documents. They have been bullying me for years and refuse to verify this debt. I have called just to be insulted and dismissed. By not knowing my rights as a consumer, I could have filed a complaint against them. XXXX has failed to help me as well. I have been discriminated against and I would like to file suit against this creditor.
Product: Student loan

I took a private student loan with XXXX XXXX ( Navient ) in the amount of {$10000.00} with my mother as a co-signer in 2008. I was attending XXXX University in XXXX, FL. My new balance is over {$19000.00}. They offered a settlement amount of {$15000.00}. I am currently applying for SS XXXX and my co-signer 's only income is social security. We have both declared bankruptcy in the last year and have asked them repeatedly to accept a smaller payment amount and they refused so I am sending them a small payment monthly. They are calling on a daily basis and stating that they will not accept the payment I am making so I told them to send it back and I would report them for not accepting it. I am sending what I can afford. I have repeatedly asked that they quit calling my cell phone and they said that I had to send a letter. Which I am sending and now they are saying that they only have to follow that if " approved ''. I have told them if they continue to call after I send the letter I will contact my attorney. What options do I have?
Product: Debt collection

I have been receiving text messages from citizens bank for a few months about a line of credit I supposedly had with them. I ignored as XXXX. I received a letter on XX/XX/XXXX saying I owed them {$1700.00} for an account called XXXX XXXX XXXX. I was told it was opened on XX/XX/2021. I or none of my family had opened this account. I have contacted them and provided all the documentation they requested. The only info I could get from them is the last 4 digits of the card since I never received any paperwork because I did not open the account. They have denied my claim now a second time and are not providing any reasons.
Product: Credit card

Transunion is reporting 11 inquiries to my account, only 3 of them are valid. The others are not authorized and need to be removed : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Improper Reporting of XXXX Account on Equifax, XXXX, and XXXX Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : Equifax, XXXX, and XXXX. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : Equifax : Listed as XXXX, Account Number XXXX XXXX XXXX : Listed as XXXX, Account Number XXXX XXXX : Listed as XXXX, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " 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. '' Based on my review of this account, XXXX failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law XXXX violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX - XX/XX/year>. 
Equifax, XXXX, and XXXX perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ). 
Supporting Information I request that each credit reporting agency obtain documentation from XXXX demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from XXXX indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.
Product: Vehicle loan or lease

On XX/XX/2021 I sent Wells Fargo a request for Proof of Claim that they provided me with a loan regarding my XXXX. It was sent with a Cease and Desist, an Affidavit of Truth stating facts and an invoice for violations of the Truth In Lending Act. Mid XXXX I received a phone call from a Wells Fargo agent, XXXX XXXX, informing me that they received my request and will get back to me on XX/XX/2021. I then received a bill dated XX/XX/2021, despite the dispute ( violation of 15 USC 1692g ( b ) ). 

On XX/XX/2021, I sent an XXXX to XXXX. I received another bill with threatening and harassing verbiage dated XX/XX/2021 ( violation of 15 USC 1692g ( b ) and 15 USC 1692d ). On XX/XX/2021, I received a copy of an application and an agreement from the dealership from whom I purchased the car. However, I specifically asked for Authenticated proof of a loan. 

On XX/XX/2021, I mailed a Notice of Default describing in detail their billing errors and XXXX violations and giving Wells Fargo an additional 10 days to cure their violations. Today marks the XXXX day that Wells Fargo is in dishonor.
Product: Credit card or prepaid card

I am concerned to the point of complaint that two of the largest banks, Bank of America and XXXX, are discriminating against legal, law-abiding businesses to force them to comply with their product demands in order to do business with them. These banks should not be able to discriminate against businesses that sell a legal product ( guns ) that dont fit into their social philosophy. Today it is guns, but tomorrow it may be specific types of cars, as we all know that SUVs were demonized about 10-15 years ago. If large banks are allowed to discriminate against gun sellers and buyers, they can also discriminate against SUV sellers and buyers. Where will it end?. Too big to fail businesses that seek government bail-outs in hard times, should not be able to force their philosophy onto consumers when they no longer need government assistance. If banks are doing business in the public space, then they must provide their services in an equitable manner to ALL legal businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current Experian and XXXX and later XX/XX/XXXX on XXXX and XXXX this XXXX is incomplete and inaccurate and in inaccurate balance the bal on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX  XXXX for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information I have recent disputed with the creditor and their responds states they report accurate and complete information which is false bc each report shows different late and current payments
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, which is codified in 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, the Consumer, am writing this complaint due to inaccurate reporting of all 3 consumer reporting agencies that is XXXX, XXXX, and Experian. Under 15 USC 1681 section 623 it states " 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. '' In XXXX XXXX report it shows that I only have XXXX hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian shows that I XXXX 17 hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This is causing much confusion due to the inquiries not matching and shows me that reports of these inquiries are inaccurate and I would like them to be removed. Not only does it violate section 623 but it also violates section 604 ( a ) ( 2 ) which states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' I have not given written instructions for these inquiries to be furnished on my consumer reports. 15 USC 1681 section 607 ( b ) also states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' there must be a maximum possible accuracy of my consumer reports across all agencies.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

Stuart-Lippman is calling about case XXXX and asking me to call XXXX. As far as I know this is not my debt and I didn't open a case with them myself. I don't even know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX did run my credit more than 3 or 4 times or more. They told me that they will only run credit on XXXX but now I have an extra inquiry in XXXX & Equifax dated XX/XX/2021 Please have XXXX XXXX to send a letter to them ( XXXX & Equifax to remove both inquiries. My credit decreased & this is affecting my credit report.
Product: Debt collection

THE BUREAUS INC failed to validate a debt at my request, which is a FDCPA violation, and continued to report a disputed debt to the Credit Bureaus : another FCRA violation! Not only have they ignored my prior requests for validation of debt, but they continue to report this debt to the credit bureaus causing damage to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from TRANSUNION. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION ACCORDING TO 15 U.S.C 1681i ( 7 ).

BECAUSE THE LIST OF ACCOUNTS BELOW ARE NOT ACCURATE. THE OPEN DATE, DATE LAST ACTIVE, AND DATE OF LAST PAYMENT IS NOT 100 % ACCURATE. 
XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX THEY DID NOT MODIFY OR DELETE THE INACCURATE INFORMATION ON MY CONSUMER REPORT ACCORDING TO 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) I attached my credit report as evidence.
Product: Debt collection

# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. XXXX is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : XXXX!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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. 

XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX because this was account was paid and satisfied amount and they agreed to remove my collections but credit agency still will not remove it and I have documentation to prove my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized & Fraudulent credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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. 


Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Product: Debt collection

The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a XXXX charge from XXXX. It went straight to a collection agency. I never received a bill from XXXX. It is XXXX and this is STILL on my credit report. Even though the date of first delinquency is over the maximum allowed time. I have disputed this and nothing has been resolved. i can not even get an explaination for what the bill is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX