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

This account has been paid in full and not in a derogatory status. XXXX Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. Both credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on Both credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by your company XXXX Transunion ) that ( account XXXX ) with XXXX XXXX XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report!

In Accordance with the requirements of the FCRA SECTION 611 ( 15U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer`s 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 XXXX business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I have received no such notification, this is a serious violation of the FCRA AND I now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX
Product: Mortgage

Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX FUND TWO, LP XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX  XXXX personally XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX BANK, NA XX/XX/XXXX Prestige Default Services recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California XXXX 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX Prestige Default Services on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX Prestige Default Services records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX Prestige Default Services sells Plaintiff 's property to XXXX XXXX XXXX XXXX  TWO, LP where XXXX XXXX participated in an unlawful auction that took place after 5:00 pm, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, PRESTIGE DEFAULT SERVICES, LLC was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files Unlawful Detainer XXXX XXXX Superior court Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever. 
They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Validate it or prove it. The XXXX court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the XXXX court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these XXXX aren't reporting in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax regarding an auto loan account that they are reporting on my consumer report since XX/XX/19. I have sent numerous letters to open a dispute and to reinvestigate the information that is reported inaccurate. I have also sent proof of payment in full to this company with a proof of the check when the account was paid. Equifax is reporting inaccurate late payments on this account that dont even make since. They have the account 60 days pays do before it was even 3 days. so many errors and i would like this account removed.
Product: Credit card

I went in today to redeem my rewards points on my Elan Financial Services credit card. I had enough to redeem {$170.00}. I was unable to redeem this online and called in. The rep said that my account was closed by collections. I asked how this was the case since I have always been on time with payments and my account is at a XXXX balance. After 40 minutes on the phone with them and being blamed for it all I was finally informed why. They said correspondence, likely marketing, was returned to them in XXXX that they mailed me in XXXX. This one piece of return mail forced them to close my account. The first person I spoke with said they had been receiving " all kinds of return mail '' from me. The manager later informed me it was only once. The acknowledged that they had since successfully sent mail to me and I had made payments and purchases since XXXX. Since my card was schedule to renew in XXXX and they received the return mail XXXX they decided in XXXX to close the account. I had this account for three years and was never late. I asked to see where in the cardmember agreement it states their ability to do this and they had no answer for me. The could mail me an agreement and it would takes weeks to receive one. This can not be accessed online. They say the only resolution is for me to write a letter to them asking to reopen the account. I would need to include all of the information that is requested on a credit application so they can evaluate and then decide whether or not to reopen the account and whether or not they will pay me the {$170.00} cash value of the rewards points I earned.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with spotloan on XX/XX/XXXX the loan was for {$800.00} and the payments were bi weekly for {$140.00} in total I was able to make 8 payments. I reached out to do a payment plan of 10 bi weekly payments of {$90.00}. In total I was able to make 4 out of 10 payments. I am struggling to make ends meet I am so XXXX XXXX fixed income and I am barely making it I have bills and utilities that I pay monthly and it is causing me to be very tigh with finances and I would like to settle the account for the payments I have made towards this loan and close the account and have the debt forgiven.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$300.00} to my friend by CashApp. I received a confirmation that the transfer was successful, but she did not receive the money. Both of us contacted CashApp support and she was told that they would have an investigation and it will take up to 60 days to be complete the investigation. It's been over 60 days and neither of us has received any form of contact from CashApp. I contacted CashApp support on XX/XX/XXXX and complained about not receiving a response from the company about the complaint. I was told that they had to investigate again to see what happened. According to the CashApp Support page on their website, an investigation should take up to 45 days and a provisional credit will be provided, which neither me nor the recipient received. The recipient was also informed that her account does not exist, so there is nothing that they can do. I believe fraudulent activity is going on and I've had several issues in the past with CashApp transfers and technical issues. The payment confirmation to the recipient shows that I did not send the money to the wrong person. I've sent money to the same recipient for years on CashApp.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXXXXXX XXXX has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

During Covid, XXXX XXXX offered mortgage relief ( I have two loans for two houses, XXXX XXXX was awesome, Bank of America was horrible, and my new loan servicer for the BofA loan is good ). I did not have to pay on my mortgages until they told me to. Then the loan servicers forwarded an offer from XXXX XXXX to modify my loans, to include the extra accumlated from Covid ( interest, taxes and interest ). Which I accepted. 

Bank of America " loan servicing dept '' called me three days a week during the time to make sure everything was following XXXX XXXX rules. On XX/XX/2022, I completed the requirements for the loan modification. I was ordered to stand down by BofA loan servicers until further notice. That loan servicing corporation was now responsible for my loan. 

Meanwhile, the Bank of America forclosure department started sending demand letters that were alien to the XXXX XXXX contractual offer. 
Then AFTER bank of america no longer had any legal authority on the loan. The forclosure department was trying to shake me down for {$45000.00} in " arrears ''. 
Then the foreclosure department reported me to credit reporting agencies in XXXX as being 120 days in arrears in XXXX. When they had no legal authority on the loan for several months, thus no legal ability to make the report. Thus taking my credit score down to XXXX. 
This will affect my employability, my current loans and other critical aspects of life
Product: Credit reporting

I am complaining about experian not fixing XXXX items on my credit report that are reporting incorrectly. I have submitted additional information that I received from XXXX bank who holds these XXXX cards ... .. ( XXXX and XXXX account ). The letter states to remove the deragtory remark and accounts should be listed in accounts that are in good standing. With this incorrect information on my accounts it is having a negative effect on my credit score which is affecting me in obtaining credit. They need to not just yes me and fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I tried to access my credit report from Experian. I could not access due to information that didn't match their system. I call Experian on XX/XX/20 to resolve the issue and was told that I needed to wait 24 hours and call them back. I called back today on XX/XX/20, 24 hours later just to be told that I need to wait 72 hours instead. After being transferred to a dispute department, the rep asked me for my pin, which I do not have. They said it was provided to me when I froze my credit report. Which was many months ago. I lost it and could not locate it. I was denied credit from a lending bank due to the credit score being XXXX. My other two credit scores from XXXX and XXXX  were at XXXX and XXXX. After spending hours on the phone with Experian, they said they can send me the report via email which will take 10 days. I told them that it is illegal to withhold my credit report. I could not access it online to check the discrepancy that may be on there. There is no possible way that my credit report from Experian can be XXXX points different. I could not access the report and had to beg for them to send it to me overnight. It shouldn't have cost me {$20.00} to receive my credit report. This was illegal for them not to release my credit report online. The information I provided to them on the phone matched somehow but online it did not. Please look into this and investigate this matter as this was an illegal action done by Experian. Due expeiran I was denied a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached XXXX report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them.

Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paid debt of {$180.00} on XX/XX/2020 yet Midland Credit Management MCM continues sending me collection of debt letters. They say they will send letter stating debt has been paid but instead all I receive are collection of debt letters. I need this harassment to stop! This is illegal! 

Attached herein is email stating I paid though it seems to erroneously state I still owe {$180.00}. Note payment was made via telephone directly with MCM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX XXXX XXXX back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! Equifax report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Alleged- XX/XX/XXXX / Amount- {$360.00} / XXXX XXXX XXXX/ XXXX XXXX XXXX {$720.00} / XXXX XXXX XXXX Amount- {$500.00} / XXXX XXXX Enforcement / Amount- {$17000.00} XXXX opened- XXXX / XXXX XXXX XXXX /Amount- {$3300.00} XXXX opened- XXXX / XXXX XXXX XXXX- Amount- {$12000.00} /Date opened/ XXXX / XXXX XXXX XXXX opened/ XXXX / Amount- {$1200.00} / XXXX XXXX XXXX Date XXXX Amount- {$720.00} XXXX XXXX XXXX System / Date opened - XXXX / Amount- {$630.00} XXXX XXXX XXXX XXXX / Date opened- XXXX / Amount {$410.00} / XXXX XXXX XXXX Cease And Desist, Harassment, Trademark/Copyright Infringement Document letters were XXXX XXXX XXXX companies as warning for suing.Please NOTE Statute of limitation for New York State is XXXX years for debt collection, and Supreme court XXXX XXXX XXXX  in XXXX vs. XXXX ( XXXX XXXX. XXXX XXXX ; XXXX, XXXX ; and XXXX, filed XXXX, XXXX ), this court held that the current structure of the administration child support process violates the constitutional constraints on the seperation of powers. In closing permission and proper NOTICE was not given by XXXX XXXX from XXXX reporting agency to act as an authorized user to post alleged disputed information of consumer XXXX XXXX who owns and have legal copyright to the name XXXX XXXX.
Product: Vehicle loan or lease

TOYOTA FINANCIAL SERVICES REPORTED A CHARGE OFF ON MY CREDIT REPORT AND THE ACCOUNT WAS PAID IN FULL WEEKS BEFORE THE CHARGE OFF.
Product: Debt collection

XXXX XXXX XX/XX/2018 XXXX This debt is fraudulent and is in violation of 15 usc 1692g and I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXXo festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the XXXX have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an XXXX saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE XXXX HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Product: Credit reporting or other personal consumer reports

The consumer agencies known as XXXX, Experian, & XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies listed within the account. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$3500.00} {$0.00} {$3500.00} Credit Limit : {$2900.00} {$2900.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX XXXX or XXXX XXXX mostly  calling from XXXX GA using numerous numbers such as XXXX. I have texted back to them at least 10 - 30 times about repeated calling. They just call from a different number from XXXX GA. This happens several times a day even weekends. 

This is truly consumer harassment. Anything you can do to stop this will be much appreciated. They are calling both my home phone and cell phone. My home phone number is XXXX and my cell phone number is XXXX. Thanks so much. Appreciate this greatly.