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

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information have a legal obligation to ensure the accuracy, fairness, and privacy of consumer credit information. Additionally, I am entitled to : A proper investigation into any disputed information within 30 days of my request ( 1681i ).

The right to have inaccurate, incomplete, or unverifiable information corrected or deleted ( 1681c-2 ).

Protection from unauthorized access to my credit file ( 1681b ).

Requested Resolution : I formally request that you : 1. Immediately investigate and correct the inaccurate information on my credit report.

2. Provide written confirmation of the investigation and any changes made.

3. If applicable, remove any unauthorized inquiries from my credit file.

4. Cease any further violations of the FCRA to prevent future harm to my credit.

Failure to comply with these requests may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing a lawsuit for damages under 15 U.S.C. 1681n and 1681o.
Product: Debt collection

I have never been treated by XXXX XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated : TransUnion continues to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. To make matters even worse, the TransUnion credit reports state that the account will stay on the reports until XXXX which is over 12 years after we filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after our Chapter XXXX was discharged. 

Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit report. As the HELOC account was a joint account with me and husband and the Chapter XXXX bankruptcy was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX XXXX should be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

ExperienXXXX is reporting a charge off account for XX/XX/XXXX on XXXX XXXX account. The account was paid as of XX/XX/XXXX and should not be reporting negatively month. The credit company agreed to remove debt in lieu of payment.
Product: Debt collection

Called from this phone number XXXX and said I owed Wells Fargo {$1000.00} from 2012 provided me with my my social security number and ID number, rather than asking me for it, they already had it. They asked for my job and banking info to collect. I do not owe Wells Fargo and its not even reflected on my credit report. Theyre a scam and I dont know how they got my information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason.

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my son & I. I am a hard
working single mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me.

I have reached out to XXXX Transunion, and XXXX and have not been assisted.
Product: Debt collection

This company ( Credit management LP ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Product: Debt collection

XXXX XXXX received a collection letter dated XX/XX/XXXX identifying XXXX as a debt collector for a mortgage XXXX said was owed in the sum of {$150000.00} by XXXX XXXX XXXX. On XX/XX/XXXX a response to that letter was sent by fax and priority mail to XXXX. 

On XX/XX/XXXX a letter was sent by XXXX XXXX XXXX to XXXX disputing that XXXX XXXX XXXX owed XXXX any mortgage under the FDCPA Act. That letter was sent by priority mail and received by XXXX. 

On XX/XX/XXXX a Request for information letter was sent to XXXX by priority mail, which was received by XXXX. 

On XX/XX/XXXX a letter was sent to XXXX advising them that there reference to the actual loan holder in that letter was in conflict with the language in its letter stating that a loan was owed by XXXX XXXX XXXX. That letter was sent by mail and fax. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX about his loan, but referenced the actual loan holder, address of the loan mortgagor, and loan number. That XXXX XXXX XXXX did not owe the loan as per reference. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter dated XX/XX/XXXX about his loan, but reference the actual loan holder, the address of the property, and loan number. That letter questioned any due diligence by any agent of XXXX.
Product: Debt collection

I was notifi ed by care credit that my min. payment owed was {$200.00}! I understand that i did not pay off the {$1 000.00} dollars in a year, But i never missed a min. Payment in that year.Why in the world is my Min. now {$200.00}? I did not know this would happen, no one called me at the beginning to inform me of these changes.I am now paying {$35.00} a month, That is all i can afford! I received a very nasty phone call from one of their rep 's, telling me in no certain terms that we need to go ahead an take care of this NOW! I do not want any trouble, I always try to come to some kind of agreement. I really do n't appreciate the tone i was talked to in, I found it to be very rude! Is there any way i can get some kind of help dealing with this situation?
Product: Credit reporting or other personal consumer reports

. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I saw some incorrect accounts on my credit report, and I am completely unsure of how they got there. I frequently check my report, but this time, I came across unexpected errors. Thinking it might be a browser issue, I refreshed the page, but the inaccuracies remained. Therefore, I am requesting that my submitted documents be carefully reviewed so I dont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I requested and submitted documentation for correct address, and Experian still hasn't update my address. 
Please se attachments.
Product: Mortgage

i have not received a written response to my letter XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from XXXX XXXX  titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to XXXX I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my XXXX XXXX through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by XXXX ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, XXXX
Product: Debt collection

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.
Product: Mortgage

I have contacted Amerihome by phone number at least 6 times and written them 3 letters and emailed faxed regarding this issue. The release of the escrow funds and lowering of my monthly payments has not occurred yet. I am a XXXX Vet and property tax exempt acknowledged by the state of Texas. I have provided proof multiple times and Amerihome refuses to release the escrow funds or adjust my mortgage payment until XX/XX/2020. There has not been a definitive date yet.
Product: Credit card or prepaid card

A credit card was takiing out in my name with Bank of America. I have contacted Bank of America and we are in the process of getting it corrected. This definently is FRAUD. 
I did not open this credit card with Bank of America. I would like to have this taken off my credit report. 

Please keep me updated on the process of this complaint. 

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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX  XXXX XXXX, XXXX  XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance- {$8800.00}. XXXX XXXX {$570.00}. XXXX XXXX XXXX- {$1100.00}. XXXX  XXXX XXXX- {$780.00} and hard inquiries i tryed contacting them no response.
Product: Debt collection

I have on my credit report from Jefferson XXXX system a debt for the amount of XXXX dollars. This is a fraudulent debt reported on my credit report due to I have never received notification of the debt nor have I been provided the proof of validation of the debt showing this is in fact my debt.
Product: Mortgage

Back on XXXX/XXXX/15 we received a full price offer on a home I am selling for my clients. The Buyers Agent submitted to her lender of choice, XXXX Mortgage of XXXX Texas, and we completed all steps to close the loan on XXXX/XXXX/2015. As, of today we have heard multiple lies and received multiple emails confirming the lies they have told both the Buyers Agent and I, XXXX. Today on XXXX/XXXX/2015 we heard the truth. XXXX Mortgage and her team have not submitted to USDA for approval nor received any reason this file would not be accepted. The XXXX team is very unproffessional and has done the same thing regarding another file last year. However, last year they stated the reason the file was not completed in time was because the processor committed suicide. I did end up closing that file three months later with XXXX. XXXX herself called me on this file I am speaking about and said this was a clean file and the actions last year are resolved and she has a whole new team and that I should not worry. Well two months later we are not closed and do not have a close date in sight. I want to make sure she is reprimanded fully.
Product: Mortgage

Chase ( and my dedicated relationship manager ) refuses to acknowledge my name on the deed of assent to my home inherited from my deceased father-in-law ( military veteran ) even though it is my legal name and my legal name is clearly typed on the deed of assent. This deed of assent was prepared by an attorney and accepted and filed in our county clerk of courts office in XX/XX/XXXX. I have sent this deed to Chase and my dedicated relationship manager 61 times since XX/XX/XXXX but they just keep telling me that they need a deed with my name on it and repeatedly ask me to send my deed of assent to them again. 

Chase also refuses to acknowledge my homeowners insurance verification form. My dedicated relationship manager has told me that he can not find these documents even though I have sent them to Chase 61 times since XX/XX/XXXX. Receipt of our documents arriving at Chase from XX/XX/XXXX to XX/XX/XXXX has been confirmed by USPS certified mail, XXXX, XXXX, Chase branch bank managers, and a specific person ( unnamed for this complaint ) in the " Chase Customer Life Events Department '' on the afternoon of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY CREDIT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 



Account Number : XXXX  : XXXX XXXX XXXX XXXX XXXX, NY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Please see our 3 previous complaints filed on this case, XXXX, XXXX, XXXX. After withdrawing from bankruptcy, we applied for a modification with Nationstar. We thought everything was worked out and that we could start making payments again. We left our home for the winter before Nationstar could get the modification paperwork to us. Even though the modification was not signed, we made payments as scheduled in XXXX, XXXX, XXXX, and XXXX of XXXX as well as XXXX of XXXX. When the paperwork finally reached us, we were in XXXX for the winter. We took the paperwork to a notary to sign it and have it notarized. The notary told us that he could not notarize it since the property was located in XXXX. We immediately called Nationstar and they told us that that was not a problem and that we could sign and notarize the paperwork when we returned to XXXX in the spring. In late XXXX XXXX Nationstar called us and told us that they would no longer accept our payments because the paperwork had not been signed and notarized. However, they kept the previous 5 payments we had made, a total of about {$5000.00}. As soon as we returned to XXXX, we contacted Nationstar in an effort to get the modification in place and resume payments. We have submitted the modification paperwork but have not heard back. Meanwhile a law firm, XXXX, sent us another modification application as well as a foreclosure notification. At this point, we are not even sure who we are to be dealing with. We assume that it is Nationstar. We expect to hear back from Nationstar within about 30 days on the modification. We need someone in your office to stick with us on this case until it is resolved. Every time we call Nationstar, which is often, we talk to a different person who has no idea what is going on in this case. If we could sit down in a room with a representative of Nationstar and an arbitrator we could solve this problem in 10 minutes. We want to keep our house but we are getting tired of fighting.
Product: Vehicle loan or lease

On XX/XX/XXXX a payoff check was mailed from XXXX XXXX to XXXX XXXX to pay off our traded in XXXX XXXX XXXX XXXX. On XXXX XXXX I called them for the status of why I still had a balance listed on their website. I was informed the check had been received but it was XXXX short. I was told that if I paid them that they would backdate the check and it would be taken care of. We are now getting emails about late payments and its now three days away from reporting late on our credit bureau.