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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  - XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

After long communications with the mortgage company we finally got to the point below on XX/XX/year> Based on the initial review, <Name> is eligible to continue in the qualification process for assuming the loan. 
The next step in the qualification process is to complete the Assumption Package and provide all required documentation. 
The Assumption Package consists of the following documents/ forms to be reviewed/completed. Please read all documents that are Information Only below, prior to filling out any forms.

Information Only : o Assumption Request Requirements o Frequently Asked Questions ( FAQs ) Forms to Complete : o Assumption  Request Form o Uniform Residential Loan Application ( if applicable ) XXXX XXXX XXXX XXXX Residential Loan Application ( if applicable ) o IRS Form W-9 o Third Party Authorization Form o Borrowers Certificate and Authorization o Patriot Act Information form with copy of accompanying identification ( ex : drivers license, passport ) All forms listed under Forms to Complete and the required supporting documentation should be returned to Shellpoint within thirty ( 30 ) days from the date of this letter via one ( 1 ) of the below modalities Electronic : XXXX Physical : Shellpoint Mortgage Servicing Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Failure to return the completed application and supporting documentation within thirty ( 30 ) days from the date of this letter will result in an automatic denial of the assumption. 
Should you have any questions or need assistance, we are glad to assist. Please contact us directly at XXXX. 
Best regards, XXXX XXXX XXXXXXXX After many more phone, conversations and months passed- they came back and said we are not eligible for assumption. That our loan was not assumable. False information was provided, but most importantly issue was not fixed and no further details are possible to obtain or porsue.
Product: Credit reporting or other personal consumer reports

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/ ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report erroneously.

1. ginnys 2. country door 3.

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information about how you arrived at your conclusion, or else remove these items immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debtXXXX XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX  XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken.

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX As per IRS regulations , a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan from Sallie Mae in XX/XX/XXXX still on my credit report that states in default collection. Called Sallie Mae when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I was going to re-finance my home mortgage with my current lender and then after they ran my credit they notified me how how interest rates were up ( did not tell me before ) so I opted out of refinancing at this time. Then today I started receiving ridiculous amounts of calls on my cell phone and work phone from companies asking if I wanted to refinance with them! I'm talking over XXXX calls before noon. I started answering and yelling at the companies and someone told me Experian gave them my information! I never authorized this!!! I have tried reaching out to Experian and can not get a hold of a real person and have not received a reply back from my email to them. I need this to stop now!!
Product: Mortgage

my complaint is about Specialize Loan Servicing company.My loan was held by XXXX XXXX XXXX after taken from XXXX XXXX.In XXXX XXXX  give it to this company everything was fine until this XXXX when my insurance was increased. Immediately I made telephone contact regarding cancelling to a lower premium of which I did. You will note in the articles I send. After that was taken care by a person by the name of XXXX ext came a bill with a different payment. I spoke to XXXX who assured me that the insurance, monthly payments that I send and the total Escrow Balance that they quoted paid in full plus some overpayment.Why the overpay amount at first they send me a balance for {$4500.00} after I paid that they send me a different amount instead which is {$3800.00} you will also note in the receipts I send a correspondent requesting a new calculation since I paid the escrow in full and my taxes remains the same I pointed out that my monthly mortgage payments should be less.The new insurance is almost 1/3 of the new and still below the original which was $ XXXX.Up to the month of XXXX my monthly payments remains at {$1300.00} XXXX stated I should wait for a new bill while she make sure all the monies are placed in their proper place including the monthly payments that I still send'She also told me that they record only partial payment for the month of XXXX I send the copy to the company for it to be fix..In XXXX there comes an incorrect bill -- you will note I spoke XXXX relate the whole problem nothing is been done. While this is going on the company is sending me delinquent lettere two in each month.The payments varies each month XXXX it was {$20000.00} XXXX $ 1994.88+ {$50.00} XXXX $ 1994.88+ new fee and also escrow amount I am so frustrated, full of fear of loosing my house I am XXXX XXXX XXXX, retired I cant afford to loose my place especially when the problem is due to a company that refuse to make things right. I have to combine my social security benefit check with my retirement check to make monthly payment I am already stressed this problem is making my XXXX XXXX going through the roof. I do everything they requested still there is no cooperation on their path. when looking into this matter Please note My escrow Balance is paid in full by me. MY taxes amount remains the same and ( 3 ) my insurance is less than my original amount and less than 1/2 the amount of the {$5900.00} that is cancelled. with these in mind there is no accountant can calculate my payments to be more than my previous payments. It MUST BE LOWER THAN {$1300.00}. 
I am looking forward for your help. 
If there is anything that you need to verify you may call XXXX text or email me at XXXX.
Product: Credit card

they added cards to my name, cards that i do not know about just like the debts, affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX  from my credit reports as a fraudulent account. However, on my updated credit reports XX/XX/2021, a newly added account appeared in my reports under a different name which is XXXX a.k.a XXXX XXXX XXXX ( so it's still XXXX ) and with the same account number XXXX is reporting negative under Equifax. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with Equifax, XXXX and XXXX since XX/XX/XXXX. I disputed a charged off account from a company called XXXX Bank that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all XXXX Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; Equifax and XXXX have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXX XXXX, XXXX. & XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with Equifax from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while XXXX shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX. XXXX, XXXX which was removed from my XXXX report because it was unverifiable. XXXX is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with XXXX that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least XXXX rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.
Product: Credit reporting or other personal consumer reports

As a consumer, I assert that XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX has consistently violated my right to privacy, as protected by the Privacy Act of 1974. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, through its various iterations, have reported alleged information on multiple instances that have negatively effected my credit report without my authorization, in the amounts of {$4000.00} & {$160.00}. These actions are contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 12 CFR section 1022.3. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX nor XXXX, XXXX and Experian, consumer reporting agencies, possess my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to XXXX, XXXX, Experian and XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, whether such consent was verbal, non-verbal, written, implied, or otherwise. Additionally, it is noteworthy that XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX and Experian neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly 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 ( 7 ) years '', which the alleged information is not. XXXX, XXXX and Experian, as consumer reporting agencies, are duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations.
Product: Debt collection

I am filing this complaint, hoping to get your help looking into this matter, in which I feel my rights have been violated. 

I want to report apparent illegal activities by a hospital and debt collection agency committed in relation to my medical debt. On XX/XX/XXXX, I had an XXXX XXXX done by XXXX XXXX XXXX, which is part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first and only bill I received was dated XX/XX/XXXX. That bill did not have a specific due date. For a due date, the bill only says, UPON RECEIPT. At the time I was disputing the amount which my insurance paid, hoping they would pay more. On XX/XX/XXXX, we received a bill from Creditors Bureau USA, dated XX/XX/year>. The Bill says that Between XXXX and today, interest had been charged. This is preposterous. There is no clear disclosure when interest began to be charged. The bill makes it seem that interest began accruing the day of the medical procedure. 

First, according to California law, Hospitals can not sell your patient debt to a debt buyer unless you are ineligible for financial assistance, or you have not responded to a hospitals attempt to offer assistance for 180 days. We were never offered any such assistance or given 180 days to resolve this bill. My debt was sold to a debt collector less than 180 ( around 60 days with no due date ) after the first bill was received, let alone, it was only 149 days since my procedure. I am not sure if this violates any federal laws. 

Second, in its first written communication with us, Creditors Bureau USA did not inform me of a timeframe for reporting negative information, which is required by California law. 

Third, according to California law, Hospitals are required to provide you with a specific notice before transferring a hospital debt to a debt collector. This notice will include a copy of an application for free or reduced care under that hospitals policy. In the first written communication with you, debt collectors must also send you a copy of this notice. XXXX XXXX XXXXXXXX failed to provide me with specific notice that the debt was being transferred to a debt collector, violating my rights. Not only was I not told by the original creditor that the debt was being transferred, only two months after the initial bill, but I was not given a copy for free or reduced care, which is my right. Finally, the debt collector did not send me a copy of this notice either in their first communication with me. While I am still working with insurance, my debt gets sent to a debt agency. This is unfair and illegal. 

Lastly, debt collectors may collect interest, fees, charges, or other expenses to your debt only if they are expressly authorized by the agreement creating the debt or are otherwise permitted by law. There was never any agreement with the hospital to pay interest. Nowhere in the original bill does it say anything about charging interest. How can Creditors Bureau USA begin charging interest on a bill, which never said anything about interest, and have it backdated to the day of the procedure?
Product: Credit reporting

Bureau is reporting inaccurate information regaurding my personal information. Also there are accounts being reported that are not even mine. I have contacted the Bureaus about these matters and have had no success. This is becoming very frustrating as I am trying to apply for a home loan, but being deprived by false information.
Product: Money transfer, virtual currency, or money service

I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX money transfer to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. Can you please arrange refund of my money of {$950.00} as I was a victim of online scam. Please see attached XXXX receipt for that I paid the buyer. Thank you,
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/year>, I received a one time passcode from Amazon/Synchrony bank . I did not request this code. When I checked my bank account, I noticed a credit inquiry from Amazon/Synchrony bank . I did not request or approve this inquiry. This fraudulent inquiry now appears on my credit report.