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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation 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 no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, Equifax, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
Product: Payday loan, title loan, or personal loan

I was a victim of identity theft. I started receiving notices in the mail that I was delinquent to a {$15000.00} loan through Avant that I did not take out. I contacted the loan company on XX/XX/XXXX at XXXX to report the fraud and the loan that was not in my name. I obtained a credit report which had an unknown address listed and gave Avant the information. I was told to consider the matter closed and that Avant would contact their fraud department to handle it. I called Avant back on XX/XX/XXXX to inquire about the status of the investigation/loan and was told that the fraud department was not notified. I was also told that the fraud department can only be reached via email and can not be called. On XX/XX/XXXX I received an affidavit from the fraud department. I responded to the fraud department 's email with the affidavit on XXXX, only to get no response. I contacted them via email on XX/XX/XXXX and on XX/XX/XXXX asking if they received the affidavit but with no response. I then called Avant to notify the customer service of the issue, and it was only then the fraud department contacted me via email. I was told that my credit score would not be affected, but it was dropped 200 points after the fact I froze my credit on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER : XXXX XXXX : XXXX SSN : XXXX **Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report** **To Whom It May Concern, ** I am writing to formally dispute several inquiries listed on my TransUnion credit report XXXX These inquiries, dated XXXX and XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction.

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX. XXXX XXXX ( XX/XX/year> ) : ** I have no record of applying for credit with XXXX XXXXXXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** I do not recall applying for credit with XXXX XXXX this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** Similar to inquiries # XXXX and # XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

**Impact of Inquiries : ** These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

**Request : ** I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA XXXX or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to dispute inaccurate information on my credit report that appears to be the result of identity theft. The account listed under APPLE CARD - GS BANK USA with account number XXXX does not belong to me, and I did not authorize any transactions related to this account. According to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which provides protections for consumers against inaccurate or incomplete information on credit reports, I am entitled to dispute any information that is not accurate. Additionally, under the Identity Theft and Assumption Deterrence Act [ 18 U.S. Code 1028 ], it is a criminal offense to use someone else 's personal information without authorization. I have enclosed supporting documents, including a police report, that confirm my identity was stolen. I request that you remove this erroneous information from my credit report and take the necessary steps to correct my credit file.
Product: Credit reporting or other personal consumer reports

XXXX writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.
Product: Student loan

Kramer and Frank LLC brought a loan from the XXXXXXXX XXXX for only XXXX in XXXX per the court doc they filed. The loan was take in XXXX. Kramer and Frank and doubled the amount in interest on the loan. Their practices are robbery. They will not answer the phone about the matter and I can not get in touch with the correct person to handle the case. No one will provide clear answers or speak with you. They never served me in XXXX ( as the original ) court document has. They are a predatory company who are using practices to rob the poor and not provide information needed to settle this matter. Their practice and fees should be looked into and their target demographic that they are charging unruly interest on.
Product: Credit reporting

The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights. 

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy. 

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose. 

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Debt collection

This company called me yesterday XX/XX/19 about an unknown debt fromXX/XX/XXXX for the amount of {$860.00} ... ... I have no knowledge of this particular situation. Also it is from a state that I do not reside in ... .They also had an incorrect last name on the account. And they threaten to sue me several times during this call which made me very uncomfortable. I'm totally unhappy with this experience and they could not provide me with any proof of signed contract or anything as I spoke with them to try to figure out about this unknown matter. The representative I spoke with name was XXXX XXXX the company name is Allegiance Accounting their phone number is XXXX
Product: Debt collection

I would like to address that a file being placed on XXXX/XXXX/XXXX is incorrect. They stated the sent notice as well on XXXX/XXXX/XXXX which is also incorrect. I have went ahead and have filed civil suit against Credit Management Control in XXXX XXXX, TX for violating FDCPA laws and FCRA. All items that were requested in my previous statement to the CFPB is request for full validation. I would like to remind this collector that by not completely sending all items requested constitutes invalidation of an account. Texas Attorney General also states that items if requested must be provided in its entirety. Also if this collection agency is not bonded in Texas to collect alleged debts, they are in violation of Texas statutes. Letter of bonding from the Texas Secretary of State dated before XXXX/XXXX/XXXX is also hereby requested with other documents requested. If this can not be provided than any alleged debt is considered invalid and damages will be claimed against collection agency. Alleged debtor never resided at any address associated with XXXX XXXX XXXX XXXX XXXX XXXX. The FDCPA and FCRA laws are very specific in which they state providing itemized bills/state meets are not valid proof of debt. Also matching information is also not valid proof ofor debt. Please send all 15 items requested in previous complaint. Also federal law does provide that request filed via mail, fax or government regulated portals such as the CFPB complaint portal are indeed appropriate request. No further request are needed. If this account is sold, transferred or reinserted on credit file with any of the credit bureaus, that will constitute fraud. Be very clear, at no time did CMC try to validate or give me the right to dispute. Therefore, the law was broken. They can not after the fact come to try and rectify this issue or do what the law required them to do in the first place. My desired resolution still stands and is non-negotiable. I will print CMC response to my complaint to be included in my petition for suit. If this account reappears with any credit bureau on XXXX/XXXX/XXXX or at anytime, I will then contact the attorney general and OCCC office to file complaint in which relief will be requested from CMC bonding agent. What this agency has done, is doing currently, and threaten to do is illegal and violates Texas and federal laws set in place to protect consumers. Furthermore, in addition to one account they have placed 2 accounts on my credit reports. No notice was sent for the first account about them re-inserting ( rebucketing ) the account back on my credit report. The second account, they neither sent notice dispute validity nor did they send notice of collection. CMC has not proved proof of validation they used to determine these debts are mine which the law requires them to do.
Product: Mortgage

For the last ten years I have been trying to get US Bank to approve a loan modification for me to sell my house in a short sale. I have had an offer on the home and they have made this the most difficult process/time of my life. I got a divorce in 2011 and my ex husband was difficult and did not want to sign the documentation needed for me to do so. I was told by mu realtor to have him sign a quit claim deed which he did so that I can go forward with the shortsale process. I have applied multiple times and every time my realtor sends over everything so we can close this and finalize the short sale they say they are missing something or they didnt receive everything and they close it. I have done this countless times. I need to get this taken care of as it has caused a major rift in my life and I am just trying to get the short sale done so I can go about my life. I was in a difficult time in my life and feel behind therefore leading me to become delinquent. I was told by my realtor to file a formal complaint against US Bank. Please advise.
Product: Student loan

I was sued by XXXXXXXX XXXX XXXXXXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/year>, for XXXX. 

I went to court in XXXX XXXX District Court, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and I was never shown the origination of the loan. 

After being sued by XXXX XXXX XXXX XXXX XXXX XXXX , it came to my attention that I was FALSELY SUED! 

I am filing a complaint against this company regarding the monies that I have already paid this company. 

Thanking you in advance for your prompt attention to this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Transunion Credit Bureau that my collections account from XXXX XXXX XXXX has been paid in full and cleared with the collections company. I have received my paid in full letter, I have disputed it with Transunion twice, they have not taken it off. I have recontacted the collection agency multiple times and been informed they have released it on their end and that it is a error with Transunion 's reporting and I have to report it to consumer finance due to Transunion not removing it on their own. 

Amount that was due was {$360.00}, I received my first paid in full receipt XX/XX/2019. I first disputed this with Transunion on XX/XX/2019 and again on XX/XX/2019.
Product: Debt collection

Lakeview Loan Servicing LLC stole the identity of consumer for unjust gains. Consumer NEVER signed any contract to do business with this company. When asked for validation of the alleged debt that they decided to sue the consumer over, they refused to provide the information. Plainly, the company saw an opportunity to steal the identity of the consumer, bought old paperwork for pennies on the dollar to present on a fraudulent foreclosure case and no matter what the consumer did to prove the fraud, the rogue judges at the XXXX XXXX XXXX located at XXXX XXXX XXXX  just went along with the fraud which proved collusion in a case where both parties received unjust gains probably ranging into the billions of dollars. They continue to harass the consumer with threats over a debt that was already settled. According to 15 USC 1692 ( a ) ( 4 ) -creditor aka " consumer '' [ Proves Consumer as the Original Creditor ] as the consumer answers the question " who created the debt? '' Creditor means ANY living, flesh and blood man/woman who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged " creditors '' because it does not include any " person '' ( all companies are " dead entities '' ) who receives an assignment and the only signature on all documents is the consumer 's, not this debt collector. Consumer extended the " credit '', which makes the CONSUMER the original creditor in fact. Plus, the consumer conducted research on any liens connected to her " name '' and NO Liens were found! This so-called company thinks its above the law and doesn't have to adhere to United States Codes , The Constitution, or the Bill of Rights et al. But most importantly, they don't think they have to follow God 's Laws against theft and coveting other people 's property.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX that was with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I humbly submit that my husband XXXX XXXX married me in XXXX on XX/XX/XXXX and we used to live at at XXXX XXXX XXXX XXXX  XXXX, XXXX CA from XXXX to XX/XX/XXXX. My husband deserted me in XXXX from XX/XX/XXXX without renewing my XXXX XXXX. Now I am in XXXX from XX/XX/XXXX to till date. I am sending the following information to your office how my husband exploited my privacy rights and need help from your office to get justice in USA. 
My husband used to harass me in several ways while staying with him. He has stolen my SSN and XXXX ( XXXX XXXX ). He kept control of my Bank Accounts, E.Mail accounts, passwords, and also Educational certificates from XXXX class to XXXX etc. He deserted me in XXXX on XX/XX/XXXX and I'm currently residing in XXXX with my parents. He is also refusing me to pay maintenance also. I am jobless since certificates are with my husband. 
In USA he has opened joint Account in Wells Fargo Bank way2 save Checking and Money Market Savings. He opened on line account of mine and created user id and password. But he never shared me the details of my on line account. I used only debit cards for transactions in USA. After deserting me in XXXX at my parents house at XXXX he has transferred XXXX dollers from my account to his account on XX/XX/XXXX with out my permission/knowledge. During that period he was at XXXX. Latter on he made several transactions without my knowledge and consent. Finally he has with drawn nearly XXXX dollars on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA by using ATM debit card in USA and my account was closed on the same date. I don't know how he has closed my account without my signature/Consent. If he has submitted any signed copy for closure of my account it may be forged one. I never made any signatures. I received XXXX  from Wells Fargo for all the said transactions. I made a phone call to wells Fargo office and they advised me that since it is joint account he has the authority to with draw the amount. I made a XXXX  complaint to Wells Fargo Bank and they informed me that I reviewed and accepted On line access agreement and no action is required in my case. In this connection it is intimated that I have Wells Fargo VISA debit card No : XXXX XXXX XXXX XXXX and also my XXXX credit card VISA No:XXXX XXXX XXXX XXXX and both accounts were cancelled by my husband without my permission/ information. Since I tried to complaint the matter to XXXX Credit card company but they refused to take any action since my husband is primary account holder. He has cancelled my accounts without my permission and filed Divorce case in XXXX. Recently I studied somewhere that the amounts available in our joint account belongs to my marital property and he can not with draw the same before divorce. They are telling me to contact my husband in this regard. After deserting me in XXXX he refused to speak with me though I made several requests to him through various means. 
He is also refusing me to pay maintenance also. I am jobless since certificates are with my husband. Help me for justice. Kindly communication may be made through my XXXX  account XXXX.