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

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of Mortgage Assistance Application expecting the the mortgage servicer, the Ditech Financial , LLC, will complete this process and recommend one of few solutions to help me with mortgage payments due to a temporary financial hardship occurred because of the disastrous events happened with my property without our role in it - only a liability as the owners. 
Today, XXXX XX/XX/2019, I receive a surprising letter from our mortgage services, printed on the CFPB template " Loss Mitigation Acknowledgment Letter _ Complete LMA Retention '' is changing the Mortgage Assistance Application into never asked Loss Mitigation application and asking for Retention and a completely different schedule of payments. Prior .representatives of the Ditech Loan Modification Department , 5 times, when we were adding  information to the Mortgage Assistance Application, have agreed to put hold on regular payments of the mortgage due to the special circumstances in this case. 
The current change will create a necessary burden of additional {$10000.00} which should be removed and the today 's letter retracted. 
I understand that Ditech Financial LLC is in financial problems ( bankruptcy chapter XXXX filed recently ) but misleading customers to collect unearned profits is not a legal manner of solving their problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act.

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

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

Transunion and XXXX refuse to list my existing mortgage on my credit report. They originally had the mortgage listed but was reporting inaccurate information. When I disputed the inaccurate information they simply dropped the account from my credit report. This mortgage has been in my name since XXXX when I purchased my home. I went through a Chapter XXXX bankruptcy in XXXX XXXX and it was successfully discharged in XXXX XXXX. Instead of XXXX and Transunion showing my account as current after the bankruptcy they simply removed it from my credit file. I have been paying my account timely for the past 12 month and unfortunately it is not reflecting this on my XXXX and Transunion credit file. Technically, I have been paying my account timely for the past 6 years because during the bankruptcy, the Chapter XXXX Trustee was responsible for all payments for my mortgage. XXXX is the only credit bureau who is properly reporting my mortgage account and as such I have a much higher credit score with XXXX. I have contacted both XXXX and Transunion via phone and via letter and they still refuse to add my mortgage back to my credit files. Transunion told me that my Mortgage company must send them a request to add my mortgage back to my account. An XXXX representative stated they were unable to add the account back to my credit report stating that would not be fair to me based on 7-year time-limitation of some sorts. I contacted my Mortgage company who sent letters directly to XXXX and Transunion ( twice ) telling them to list my account on my credit reports and show it as current. Unfortunately, they are not cooperating. I will give a lot of respect to XXXX for properly working with me to get this resolved after such a difficult time in my life. I still have another 20 years or so to pay on this mortgage so its unjust for Transunion and XXXX to not list my mortgage as a valid account. Please help me get my Mortgage listed back on my credit reports. 
Thank you and Have a Blessed Day!!! 
XXXX
Product: Debt collection

I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, VANCE AND HUFFMAN LLC, listed a debt owed, for original creditor, XXXX XXXX. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for XXXX years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$400.00} / XX/XX/XXXX , Dept Of Education XXXX XXXX XXXX  XXXX XX/XX/XXXX, Dept Of Education / XXXX XXXX XXXX XXXXXX/XX/XXXX, Dept Of Education XXXX XXXX {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXXk Date XXXX XX/XX/XXXX Inquiry : XXXXXXXX XXXX, XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date  : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have received multiple calls from this company. Each time there is a warning that this is a " Robo Call ''. They leave a message saying they are a debit collector and to call back. There is not other information. I called back asking for them to mail documentation. They asked for verification of who I am. Not sure why they need to know to mail documentation to me. I hesitate to say who I am because of the " robo call '' warning. She was extraordinarily rude and unprofessional. I asked again for documentation. Until they do that I asked for calls to cease. She said " If I am XXXX  why don't I just verify that and she can tell me what the debit is '' When I explained I wanted it in writing she hung up on me. I called back another person answered. He basically did the same thing. When I search the number it says it is Paragon Revenue Group. Many of the reviews describe similar experiences. I get multiple calls a day every day of the week. When I told the first contact that I was filing a complaint with the attorney general she became even more unprofessional and disagreeable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please see attached documents. Please remove the following inquiries from my credit report immediately : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have a small line of credit with Regions Bank, around {$7000.00}, and received a letter with second and final notice to provide insurance information on our home after changing insurance companies. We mailed the requested information after the first letter was received. We 've asked now a second time for XXXX XXXX to send information directly to Regions. Because a potential {$2100.00} extra is to be billed to us on insurance from Regions, we are contacting CFPB asking if you could help us with communication. Also, when we took out the line of credit, it was not made clear to us that our home was being attached. We signed documents that we were told were based on our personal credit ratings as a personal loan. We remember this as we were told the rate we had to pay the bank was a little higher than the best rate based on our credit scores.
Product: Debt collection

Convergent Outsourcing INC, was PAID IN FULL by Cashier 's Check with a letter of agreement to report to three credit bureaus. I also submitted a letter that indicated that if the cashiers check was cashed then the company agreed to update credit file within 30 days. Convergent has NOT updated my credit file and it has been over 90 days since they have received the FULL PAYMENT.
Product: Debt collection

Despite receiving some documents received on XX/XX/year>, I have yet to receive all the necessary information, specifically a detailed breakdown of all charges and fees, as I requested in my letter dated XX/XX/year>. 

There is also a significant discrepancy that I would like to address. The last bill statement I received shows a balance of {$420.00}, yet your records state that the current balance is {$980.00}. This is a large difference, and I require a complete breakdown of all charges, fees, and any payments or adjustments made to the account that would explain how the balance reached {$980.00}. 

I reiterate my request for the following : 1. Verification of the amount of the debt, including an itemized breakdown of all charges, fees, and any payments applied. ( not received ) 2. Proof of ownership or assignment of the debt. ( not received ) 3. A complete payment history for the account. ( Received ) 4. A copy of the original signed agreement or contract that establishes my obligation to pay this debt. ( not received ) If you can not provide the requested information, I will continue to dispute the validity of this debt. Please provide the requested documentation within 15 days of receiving this letter. Failure to do so will result in my assumption that this debt is inaccurate, and I will take further steps to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.
Product: Checking or savings account

Huntington closed my account for no reason which causes them to keep denying a dispute i had filed dispute number is XXXX Amount is XXXX $ XX/XX/year> The merchant agreed to the refund but huntigton wont even investagete the chargeback have numerous emails with the merchant XXXX trying to process refund
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XX/XX/XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX   that the late payment was removed from my report - but did not hear back from XXXX, and when I reviewed my credit from XXXX ( a XXXX credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.
Product: Vehicle loan or lease

On Tuesday, XX/XX/2023, I called Bank of America to inquire about a financial hardship for my car loan ( {$680.00} ) for the month of XXXX. The account is up-to-date with payments, which means I make my monthly payments on time. I sometimes pay more than what's required. I was denied a financial hardship or payment deferment. On Wednesday, XX/XX/2023, I called Bank of America to find out the reason for the denial. I was told that " a system '' generates the approval or denial. It appeared that Bank of America 's representative could not affirmatively give me a legitimate reason why I was denied a payment deferment. I am never late on my car payment and I have had the loan for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is n't refreshing or updating even though my creditors are updating my payment information monthly. This has cause me to have a low credit score as the last time that Equifax updated my information was in  XXXX . My Equifax report number  XXXX  shows accounts as not paid that have been paid in full. It shows collections that have been sent for deletion by the creditor. I have contacted my creditors and they have all stated that they have sent the deletions through to the bureaus and have update account information such as payment history and balances as well, all other bureaus have updated the information but Equifax continues to report bad information and inaccurate information. I have contacted Equifax a tota l of 36 times wit h each time they assure me that the information will be updated and to this day it still has not. Today i called and the representative stated that if i had an issue i should call  XXXX  a number that referred me to a credit counseling agency, obviously not what i need. I need my information to accurately reflect what the creditors are reporting and for my information to be fresh not as of 6 months ago.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt you claim I owe. You have violated the Fair Debt Collection Practices Act ( FDCPA ) in several ways. 

Specifically, you have : Used abusive or deceptive means to collect a debt. This includes using obscene language or making threats of violence or arrest.

Communicated with me at an inconvenient time or place. This includes calling me before XXXXXXXX XXXX XXXX XXXX XXXX XXXX. or calling me at work when I am not allowed to receive personal calls. 
Failed to provide me with validation of the debt. This includes failing to send me a written notice of the debt that includes the amount of the debt, the name of the original creditor, and the date of the last payment. 
Communicated with me about the debt after I have notified you in writing that I do not wish to be contacted. 
I demand that you cease all communication with me about this debt immediately. I also demand that you delete any and all records of this debt from your files. 

If you do not comply with my demands within 14 days, I will take legal action against you
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing another complaint : Company : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX. 

XXXX XXXX was my mortgage lender. they violated the CARES Act : My mortgage account was in forbearance as a result of covid-19. The cares act states that mortgage forbearance as a result of covid 19 CAN NOT be NEGATIVELY reported to the credit bureaus by lenders. I have reported and my credit report is still reflecting missed payments. payments were not missed. i need loancare to write a letter to the 3 credit bureas stating to change missed payments to green on time payments. their reporting has negatively impacted me so that i can not get approved for another mortgage. 

My Loan is paid off and they still will not answer the phone, will not contact me, and refuse to fix the negative missed payments showing as red x 's for 10 months in a row on my report. I am being penalized for financial hardships during XXXX since i have paid my loan in full.
Product: Debt collection

We are third parties to the debit owed by our adult son. The collection agenc y at (   XXXX   )   XXXX  has called us at l east four times  on the dates/times listed below. The agency appea rs to be Wells Fargo .  <P/>   X/XX/17    XXXX   XXXX   XXXX    X/XX/17    XXXX   XXXX     XXXX     XXXX   XXXX     XXXX     XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- The FTC site says that I can go to XXXX to download my credit reports from XXXX, Experian, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report. 
- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX?
Product: Debt collection

The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against Experian, XXXX and XXXX.