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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

I went into bank trying to open an unfortunately Im not able to because of credit reported from another bank that was reported which I have no clue about
Product: Debt collection

LVNV FUNDING LLC was brought against the FCRA on my behalf and was found that my complaint met FCRA requirements and the debt was closed, but it was not removed like discussed.
Product: Vehicle loan or lease

I have attached my billing statements that include all the payments I have made on my account. I have bern trying for months for this company to correct my balance that is showing I am past due from XXXX and I am not past due at all. Ive spoken with several people at the executive office that stated they were going to fix this issue and it has not been resolved. They are stealing my money because I've made my payments! Ive even had representatives from the executive office tell me they've done an audit on my account and they know it's showing incorrectly and it would be fixed. Told me the dollar amount I owed in XXXX. I paid that and she assured me my account would be corrected. Now Ive gotten a repossession notice in the mail. They are giving me the run around and I want this resolved. If my car gets repossessed behind this I am pressing charges. They are outright stealing my money. Then acting like they don't know how to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account KIA XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
KIA XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company multiple times to resolve this but unable to do so. I need the company to provide me with the date I placed a security fraud alert in order to proceed with dealing with my bank. However, Experian has no customer service representative reachable to receiver an answer
Product: Debt collection

I have sent Freedom Mortgage two ( 2 ) cease and desist letters, disputing alleged debt. I, XXXX XXXX, am the consumer and natural person and I am the beneficiary of my home and real property, located at XXXX XXXX XXXX The account in dispute was opened fraudulently and I have requested it be validated with the original creditor. I am attaching a copy of my deed and " Cancellation of Deed to Secure Debt '' showing that am the owner of my property and I have all rights to my property. 

Freedom Mortgage has been constantly violating my consumer rights by continuing to contact me and they are threatening to foreclose on my property. Freedom Mortgage has also fraudulently placed derogatory remarks and late payments on my consumer report, which is causing me distress and causing me to be denied credit, which is right as a consumer and natural person. This is a violation of my privacy as well, pursuant to violation of 15 USC 1692c ( b ) - ( b ) Communication with third parties " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' Freedom Mortgage has shared my personal information with several people.

Freedom Mortgage also continues to harass me via postal mail and electronic mail claiming I owe a debt, to which I have disputed on several occasions. This is a violation of my Federally protected consumer rights, pursuant to 15 USC 1692c ( c ) Ceasing communication. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that

the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( 5 ) 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. '' This harassment is constant and it is causing me stress. Freedom Mortgage has providing me anything of cash value in exchange for an alleged debt, yet they are claiming that I owe a debt to them. I do not.
Product: Student loan

a representive from sallie mae named XXXX called both my wife and mother about a loan and informed him who he was and what he was calling for from number XXXX ext XXXX his ID # was XXXX. he left messages that he was calling about collecting a debt on the loan. my concern is that niether of them were associated in any way with the loan because I was only a cosigner for my daughter 's student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated information : In accordance with the Fair Credit Reporting Act XXXX  Account Transunion, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.The account in question is the XXXX XXXX account has a late payment my profile and Transunion reported that without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the  FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, Capital One unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. 
Specifically Naming " Capital One '' as an entity entitled to enforce a commercial claim against me. 
This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
Product: Mortgage

Do to recent events that Loan # XXXX is missing a large amount of funds from escrow & loan principal balance, further there is evidence of misapplied, duplicated, removed funds and faulty XXXX. The borrower is requesting evidence which SunTrust has so far ignored. 
SunTrust stating that they originated the loan but now they are only the Servicer NOT the Note holder/Investor. 
Certified Copy of the Note, all Assignments and Endorsements. ( see attached official Request )
Product: Credit card

I received my credit card, made a purchase, then made another purchase but card got declined. I contacted Citi bank by calling the number on the card. After spending an hour on the phone I was assured the card is all clear to charge. So I use it at my grocery store for {$120.00} but it gets declined. I call CITI bank again and was assured its going to work but didnt again. This happened numerous times. I have a credit rating of XXXX and have always paid my bills. I will be canceling my card!
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the unverified account, AMERASSIST AR SOLUTION XXXX, listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 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 XXXX3EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report, it has been over XXXX days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report & found some inaccurate accounts that is reporting. I have made a list of all the inaccurate accounts that I would like removed. I am in the process of start starting my business, and I can not get access to business loans. Please review all of my documents and remove the accounts that are on the list.
Product: Credit reporting

I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by the law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went on Transunions website to Dispute a collection charge on my credit report. The only way I could get to an actual working web page was to join Transunion membership. It said nothing about being charged, I figured it was for future reference if I ordered anything from Transunion but it had me put my debit card info in. Well about 5 or 10 minutes later, when transunions site failed to process my online dispute anyways, I cancelled my membership. I looked at my bank account about an hour later and they charged my account {$19.00}. From my understanding from advertisement, membership was free for Transunion and if I was going to be charged, they should have reviewed that with me and got my consent before they proceeded with my membership. Im asking to please be refunded from Transunion. Thank you.
Product: Student loan

Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update. 

Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years. 

Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX?? 

I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect?? 

We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions. 
XXXX XXXX XXXX XXXX
Product: Credit reporting

I have previously requested that Experian remove a public record from my credit report as it has been over seven years. This was a state tax lein from the state of Alabama. This tax lien is not even mine! I filed separate returns when I found out what she did. This tax lien belongs to my ex-wife whom i divorceddivorced in XX/XX/XXXX. She has since passed away on XX/XX/XXXX from XXXX XXXX. The other XXXX credit reporting agencies have already removed this item voluntarily, but not Experian. How long is my former spouse going to punish me for divorcing her? The Consumer Credit Agency laws clearly state this should be removed after seven years except for bankruptcy. I would like to know what motive does Experian have to keep this on my credit report? Furthermore Experian had a duplicate tax lien on my credit report and it was also in the county tax recotds for all to see! This is an outrage that Experian is allowed to treat consumers in such a manner! 
Yes, you may publish this in any media!
Product: Mortgage

In XX/XX/2019, I requested a loan modification with SPS ( Select Portfolio Servicing ) due to my income being slashed over {$40000.00}. per year due to an employee restructure.

I submitted my YTD pay stubs and a letter from my employer indicating my new pay rate was changed to {$80000.00} per year an that I went from being a XXXX to an XXXX XXXX with no possibility of over-time. 

At the beginning of the year the company I work for overpaid me and the amount was reversed but the result was my YTD reflects an incorrect inflated amount. Due to book keeping reasons the YTD was not reversed even though the money was and the payroll manager send a letter of explanation. 

On XX/XX/2019 SPS denied a modification based on the incorrect income. SPS calculated my income at XXXX per month but I get paid 26 payments of {$3000.00}. for a total of XXXX per month. On XX/XX/2019 the day I received a denial, I sent in an appeal letter with supporting documentation proving the amount calculated by SPS was incorrect. On XX/XX/2019 a letter was sent tome I received on XX/XX/2019 again denying a mod or recast and was still basing the denial on the incorrect income calculated by SPS. I called in for an appeal and to ask for the income to be calculated correctly, but the manager XXXX XXXX ID XXXX refused to accept the letter from XXXX 's payroll manager and basically treated me as if I were a liar. I asked for his supervisor to call me but I did not received a call back. I again called and a customer service rep XXXX reviewed, agreed there was an error, she took it to Mr. XXXX but he would not listen. 
SPS refuses to take the letter of explanation or the proof of each paycheck showing the close in the gap created by the incorrect overage.

Letters of explanation are used all the time by others, so I am not being treated equally when clearly I have supporting documentation for the letter. It is an unreasonable request by SPS to ask XXXX to change the YTD as it affects the entire corporation. The payroll manager of XXXX has written several letters trying to explain but SPS will not consider. I believe I am being unfairly denied as the information I provided is in line with what has been used by others for consideration of a modification or recast.

I have proof of every deposit being the same, proof of the reversal in my bank account., proof of my reduced annual salary. I was trying to circumvent late payments but since it took 3 months for SPS to deny my request, now my credit cards are maxed, I have had some late payments making a refinance impossible. 

My PITI on the first is XXXX and the second is {$330.00} = {$2500.00} after taxes my take home is {$3500.00}. This does not leave enough for groceries, utilities and car insurance let alone credit cards and student loans. 

Any assistance would be greatly appreciated.
Product: Debt collection

My car was repossessed by bridgecrest who is XXXX finance company. I put {$1500.00} on a {$21000.00} loan in XXXX on a XXXX XXXX XXXX XXXX XXXX XXXX ( vin # : XXXX XXXX ) I made my first few payments before I was attacked at random walking home XXXX XXXX. While recovering after being in XXXX XXXX for 1 month & 2 month spent in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was able to leave & made a {$3500.00} payment to bring my account out of the red. Apon leaving the hospital I was left XXXX n suffering while trying to recover the pieces of my life ( no job, no help ) I brought this to bridgecrests attention & they informed me that there isnt anything they could do, that they would be coming to take the car ( repossession ) & there was nothing I could do. Months latter they repossessed the car & I had to beg a firmed of mine to allow me to borrow mo eg to pay to revive the car ( with all my belongings in it ) a mother couple months went by after, trying to ask for more time to pay my loan because I needed my car to get to & from appointments ( safety, food shopping, everyday things ) they can & repossessed it against & this time it would be the last time. I had to revive my things about 2 hours away from my home from a tow lot, ( had to pay someone to bring me there n back ) my car was then brought to auction & sold on XX/XX/XXXX for {$7200.00} information found on XXXX the XXXX XXXX posted images of my vehicle in the same location where I picked up my belongings. The different should be reflected on my credit report & its not accurate it says I still owe {$18000.00} & this has been affecting my score badly. I havent made a payment since my car was taken from me the information on my credit report states I made a payment XXXX XXXX? But the car was sold at caution on XX/XX/XXXX? In Massachusetts you have 22 days to derive your vehicle before a lender can put said vehicle in action. I wasnt giving time to complete my loan with my situation being so life changing Im now left broke carless & now my credit score is to low to get approved for anything. Please help I have attached photos to help my situation.