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

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that my address be updated in XXXX, prior to my move in XX/XX/XXXX at the local XXXX 's store and was told that it was. It was brought to my attention that the store never changed my address when they reported my payment as late. I never received a bill and was unaware that I owed a balance. I promptly contacted XXXX 's on XX/XX/XXXX and paid the bill in full. They agreed to waive the late fees and gave me a phone number to call the credit department to remove any late payments on my credit. I called XXXX, which was supposed to be the " credit department '' and was told that is not the credit department. I waited on hold for a while and then they disconnected mt call. The late fees have not been removed and my credit has yet to be corrected!
Product: Payday loan, title loan, or personal loan

I XXXX an HVAC company, XXXX XXXX perform an HVAC tune up for me. While at my home, they solicited for more money about an HVAC service contract they thought I needed. I was on the fence about it, but they assured me it was necessary and covered any issue I would have for 5x years. When I received the contract, after signing up for the sale, I found it to NOT be as described. The price of XXXX only covers their " service '', which was vacuuming my air coil and does not cover any warranty or my HVAC and is only for 1 year ( 1 year of what is very unclear ). I called this company and other HVAC companies and found that the tune-up they performed should cost between XXXX dollars. I was definitely price-gouged and sold a contact I didn't need our want. Since this company works with GoodLeap to finance these " services '' I have a contract with a state of Florida 3 day right of cancellation, as stated on page 15 of my contract. I immediately cancelled the contract, via mail, return receipt requested, and with XXXX tracking. I have emails from GoodLeap acknowledging their receipt of my cancellation, but they still funded the loan, still paid XXXX XXXX, and have still refused to cancel this loan as required by state law ( it has been longer than 10 days since I cancelled ). XXXX tells me I have to work something out with XXXX XXXX and that after I do that, maybe they will cancel the loan, but it would take a long time. That is not how the law works. I want this contract cancelled per state law and I'm happy to provide the HVAC company with {$99.00} for services performed. Furthermore, the contract falsely states that I had an install performed when in actuality I just had a service and check-up performed. I know Goodleap is a large finance company, but they should still be required to follow the law of our great state and not make things up because they make more money that way. I have tried talking to several supervisors at GoodLeap and they refuse to follow the law, and the terms of the contract.
Product: Debt collection

I dispute the ownership of National Credit Adjusters Accounts XXXX and XXXX. Despite repeated disputes, the credit bureaus haven't provided the original credit application with my signature. They verified the information without proper validation. I demand the immediate removal of this misinformation. If not rectified promptly, legal action will be pursued. Contact all three parties involved. Thank you.
Product: Mortgage

On XXXX XXXX, i agreed to buy a house pending I could obtain credit through an assumable loan through Freedom Mortgage. On XXXX XXXX the seller started the process to transfer the loan. Freedom Mortgage waited weeks to send me any paperwork and slowly gave me the required documents. If I do not obtain financing by XXXX XXXX, I lose the house. I have called on several occasions for updates and been mainly ignored. Typically, I'm told I'll be called back, but have only received XXXX call back. I do not know where my loan is, when it will be approved, or if Freedom Mortgage has sent me all the paperwork. They are purposely slowing the process in violation of XXXX XXXX XXXXXXXX to prevent a loan assumption. I was told on XXXX XXXX, Freedom Mortgage needed an additional XXXX days to approve the loan by email in writing. I called to state that timeline is unacceptable to be told they didn't staff the assumptions department appropriately. Now, I will lose the home because Freedom Mortgage doesn't prioritize military.
Product: Credit card

Please see attached forms. I am submitting a top level summary, the original document and the second document provided to Discover Card.
Product: Mortgage

PHH mortgage  took money from us to cover until XX/XX/2020 and only XX/XX/2020 was left to pay and this payment was amounting to XXXX. Which was not possible at that time because there was no money as we are living on social security benefits and everything was up and down because of corona virus situation.The loans taken from relatives to pay PHH mortgage are also in trouble because of worldwide corona virus pandemic.The lawyer firm of PHH mortgage  is harassing me and my wife and charging allot of money saying it was needed for reinstate the loan. Even the PHH mortgage has taken money from us.Please advise on this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion verified an account on my consumer credit profile as accurate ( attachment # 1 ). However, the credit reporting agency failed to conduct and complete and thorough investigation and is currently reporting incomplete and inaccurate information on this account. This is evidence by the following : 1. In their investigation results, they list the court as CALIFORNIA FED COURT -XXXX  ( attachment # 1 ).  There is no such court. Additionally, the Legal name of the court must be fully disclosed ; not abbreviated. 
2. Transunion currently reports the court for the same account as " U.S.  Bankruptcy Court '' through XXXX  ( see attachment # 2 ). How can Transunion report two different courts for the same account? 
3. Also indicated in Transunion 's investigation results is a XX/XX/XXXX " Date Updated '' entry ( attachment # 1 ). If this account was verified as accurate in XX/XX/XXXX, the Date Update section should reflect this and have been noted as XX/XX/XXXX. Furthermore, this indicates Transunion never verified this account as alleged. 
4. Transunion 's results of the investigation note " Individual Debt '' in the Responsibility section ( attachment # 1 ). The responsibility for a discharged bankruptcy is {$0.00} ; period. On XXXX  's platform, Transunion does not have ANY value in the " Liability '' section, indicating to lenders am still liable for some or all debts discharged in the petition ( attachment # 2 ). 

Transunion failed to conduct a complete and thorough investigation and is currently reporting inaccurate information to my consumer profile. The FCRA requires credit reporting agencies to report accurate, complete and verifiable information.
Product: Debt collection

The bankruptcy case is XXXX filed on XX/XX/2020. XXXX XXXX is listed in that bankruptcy and received notice by letter that this amount was included in the bankruptcy. In addition they gave approval for me to vacate early due to a cockroach infestation. I did not receive any communication prior to this being added to my credit so that I could dispute it. It was added to my credit as if incurred in XX/XX/2020 when I moved out before XX/XX/2020 and it was added to my bankruptcy when filed on XX/XX/2020. At that time this debt was no where on my credit bureau reports. However now it is on all my credit bureau reports in violation of fair credit reporting requirements for persons who filed for bankruptcy and where the entity owed was notified of the bankruptcy prior to credit reporting. I have attached some communication. I had already told XXXX from the beginning of XX/XX/2020 I would move out. He was waiting on the approval from the Corporate office, which he received and sent an email. The Property Manager of XXXX XXXX  had also sent me an email captioned move out statement in which the total was miscalculated. XXXX  XXXX  was well aware of my bankruptcy before submitting this to a collection agency and also intentionally submitted erroneous information to the credit bureaus.
Product: Student loan

Today, XX/XX/2017, I received XXXX emails in a row informing me that my account had been put into an " administrative Forbearance '' based on my request that I never made. There was no information available in my account online to show what this was for. Navient has taken over from my previous lender XXXX just a few months ago, at the end of XX/XX/XXXX of this year. In the process of the switch we followed ALL instructions from XXXX and Navient and stayed 100 % on every payment. My phone call to Navient told me I did not have a choice on the forbearance since my account was DELINQUENT. I have not missed a single payment and all Navient could tell me was that it was delinquent but not how or why. She said " it must have been with XXXX ''. That is 100 % incorrect. I requested an immediate cancellation of this " administrative forbearance '' but have no documentation to prove it. 

I also applied for educational loan forgiveness through DOE and they have had 3 months to respond. In the phone call this morning I was informed they declined the forgiveness for the 3rd time due to something my employer was asked to fill out. I now have to fill out all of the paperwork and submit to my employer a 3rd time.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXXXXXX - Late 120 Days XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX Late 120 Days XXXXXXXX XXXX XXXX Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX Collection/Chargeoff XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Mortgage

I had secured a mortagage with my company of choice XXXX XXXX XXXX XXXX. As the time has come for closing XXXX XXXX want me to use their lender NVR mortgage company saying that i did not inform them in time If I used their mortgage they are going to charge me extra for going over the closing date.
Product: Debt collection

Company called XXXX XXXX XXXX called me on XX/XX/2023 XX/XX/2023 XX/XX/2023, XX/XX/2023, XX/XX/2023 ... about a auto loan, saying i owe $ XXXX {$63.00} XXXX on a truck i had years ago, they had my social security number, but didn't have my address, they was saying a address i was at 8 years ago, they told me i should had reported my updated address to the credit bureaus, i told them i did in my current address was on my credit report, i try to tell them i file bankruptcy that was discharge 10 years ago, a ( chapter XXXX bankruptcy which cleared me of all my debts, the truck debt was XXXX at the time ) and the auto that they talking about was in my bankruptcy documents it clearly state i do not owe no one, they threatened me, Told me that I will wake up with all my assets frozen, told me after they done with sueing me I will end up killing myself, they speaking so fast i couldn't even get a word out, they was yelling at me, in they told me to borrow {$2000.00} from a family or friend then make a payment plan with them by 7 days are i will lose my bank account, everything I owe ... I called my bankruptcy attorney he also called them explain that what they claiming i owe i dont owe and its in my bankruptcy documents. He was sent to a voice mail, the number they keep calling from is ( XXXX ) XXXX can someone find out if these people are legit cause they are not accepting no documents or sending me no documentation, but telling me I been sue and it's to late and I have to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the mortgage office that an old creditor XXXX XXXX was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. XXXX XXXX has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with Experian and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : List of accounts to be deleted The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.

Information on the consumer report must maintain Maximum Possible Accuracy.

Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) Accuracy of report 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. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXX & Equifax ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE XXXX XXXX account # XXXX Yours Truly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX account charged off. 
I disputed this account with Experian in XX/XX/2023 asking them to remove this account if they could not verify the information as it's illegally reporting incorrectly to my consumer file. The Dispute was back within 2 weeks as verified. The XXXX XXXX Account is currently reporting a balance greater than XXXX Account is reporting a passed due balance of {$740.00}. No closed/ charged off account should report a balance greater than {$0.00}. Experian refused to remove the inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE!!!!! I AM OPTING OUT! 

XXXX XXXX IS PLAYING A SICK GAME, THEY BETTER STOP PLAYING WITH ME BEFORE I WHISTLEBLOW AND REPORT THEM TO THE S.E.C FOR SELLING SECURITIES ON THE SECONDARY MARKET!!!!!!!

I HAVE THE RIGHT TO PUT IN THESE COMPLAINTS AND XXXX WILL NOT STOP ME!!!!!!!!! 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX : The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 15 USC 1684s-2 ( a ) ( 1 ) ( A ) 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. 15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. " I AM OPTING OUT OF YOUR REPORTING SERVICES! ''