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

In acordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy. 
15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$390000.00}, XXXX XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting or other personal consumer reports

I've requested the removal of the XXXX XXXX account from XXXX Credit Bureau 's. XXXX has removed the account, but Transunion and XXXX have failed to follow as I've requested. The XXXX XXXX account has been closed since XXXX XXXX and charged off.
Product: Mortgage

I was working with Interfirst Mortgage company to refinance my residential property. I had signed agreement to using them and the loan began underwriting. On report, they declared that I had a history of foreclosure on a house that I NEVER owned or payed rent to. Additionally they said that my current lender had not reported my payments on my loan. I followed the requests to get these erroneous accusations resolved. They received a letter from my current lender to declare that I was NOT in forbearance and they received a copy of my payment history dating back to 2018. They informed me they were satisfied with my documentation and supporting information. However, after about about 2 weeks with no contact from them I emailed them requesting an update. They informed me that my loan was denied on the pretense that I " was in forbearance in the last 12 months ''. In our phone conversation they had even said to be, " you have obviously been making your payments ''. " You have auto-payment, a XXXX dollar balance, and no missed payments. '' Despite doing everything they requested of me, they denied my loan unexpectedly and without any notification. No email, text, phone call or letter. I have tried to contact them and ask how we can correct this wrongdoing but they have stopped reply. I am a typical citizen and I have excellent financial credibility. I have never missed a payment on anything and despite misinformation about my finances, Interfirst Bank refused to assist me in reasons they said themselves are bogus and false. Now I am back to restart the process to find a lender that will work with the customer to do the right thing and to resolve errors and issues. Interfirst took the cheap way out and left me stranded.
Product: Credit reporting or other personal consumer reports

I disputed this account cause I found an error and my results it was deleted off my report. I monitor my credit report and I see that it is reopened when it shouldnt be after it was deleted. DATE OPENED XX/XX/XXXX. DATE CLOSED XX/XX/XXXX And DATE REOPENED XX/XX/XXXX. It was once deleted and reopened on XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting 's Consumer Financial Protection Bureau, I'm entering this complain against Experian ( Credit Bureau ) I've placed Disputes with disputes with Experian on XXXX All Mailed to Experian XX/XX/2022 ( Completed Online ) Per Experian, I needed to mail along with My Disputes a copy of My drivers License, Social Security Card and proof of address for verify my Identity, I've completed this step several times, I have not received any results or responses to the disputes or verification of the debt belonging to me.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate these inquiries that I believe is reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiry in question so that you may do as you are governed by the FCRA. I have tried to contact this company on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. These companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year> XXXX
Product: Mortgage

I reached out to Mr. Cooper our mortgage company on XX/XX/XXXX to complain to them about their failure to report mortgage payment history to the credit bureaus since XXXX when the mortgage was transferred to them by Seterus the previous mortgage servicer. I have not missed any mortgage payments even though I went through XXXX XXXX, and it was XXXX in XX/XX/XXXX. This information was provided by the Bankruptcy court and the bankruptcy trustee to Mr. Cooper and confirmed by Mr. Cooper. 
However, Mr. Cooper has refused to update my mortgage payment history with the credit bureaus under the pretext that they required my Bankruptcy attorney to write them formerly and make the request to start reporting my mortgage payment history.

I informed Mr. Cooper in writing that the bankruptcy practice no longer exists and as such there is no way to get such information. Moreover, Mr. Cooper has a copy of the bankruptcy discharge letter from the Bankruptcy Court, so I don't understand what the issue is with Mr. Cooper refusing to report my mortgage payment history to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. states I have the Right to privacy 15 U.S.C. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 )

Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s
-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

So I did some time in XXXX  for about 4 years and when I came out someone had put an account in my name for Wells Fargo and XXXX XXXX is XXXX Wells Fargo is XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and noticed several unauthorized attempts to pull my credit from companies I did not consent to. I believe these transactions or identity theft and request them to be removed immediately below are the inquiries in question. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted my application to Mr Cooper for help with my mortgage because on XX/XX/XXXX I lost my Mother and I had to pay her funeral cost out of pocket. This hit me really hard and I started calling Mr.Cooper explaining my situation tryna get some help. I had received a modification in XXXX because I completely lost my job because of the pandemic. I had used my 12 month forbearance and I kept asking Mr Cooper for help but Mr Cooper told me no other help was available and started foreclosure proceedings. I had to hire a third party for help XXXX XXXX. XXXX XXXX and her team worked diligently trying to get me help. Only then did I find out that there was an extra 180 days available to me if needed because my loan is federal backed. XXXX was able to get my foreclosure paused and got me the forbearance. I have tried every kind of option that supposed to be available to me and I have been denied everything! I have my application with them right now for the FHA program that has just been put in place and I submitted my application to them as soon as I got sent the application. This home has good equity in it and I feel Mr Cooper doesnt care at all about struggling families. They are proceeding with the Foreclosure and Ive submitted my application to them for help. They are saying they are going to try and process my application in a timely manner but foreclosure proceedings will continue and Im trying to understand why would you proceed with foreclosure if there is help I may qualify for? I dont understand this company! Somebody please help us struggling home owners who have suffered so much loss already! Thank you
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint against XXXX XXXX XXXX and the major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my line of credit account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as charged off with {$390.00} written off, {$260.00} past due as of XX/XX/XXXX, and showing " CO '' entries with 180-day delinquencies since XXXX. This is utterly falseI never defaulted on this account, opened on XX/XX/XXXX, and managed it responsibly with timely payments. The reporting is a gross misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX XXXX XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX XXXX XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs. 

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i. 
Immediate removal of all inaccurate entriescharge-offs and past-due statusesfrom my credit report.
Product: Debt collection

Date XX/XX/year> Amount- {$6700.00} The day that is being reported on my credit report is not valid
Product: Checking or savings account

On XX/XX/XXXX, I received an email stating my account with MoneyLion had been closed. I made several attempts to contact MoneyLion to resolve. However, all i was told is the account was closed due to unusual activity, the decision was final and i would not be entitled to receive remaining funds. Ive noticed no unusual activity on account, MoneyLion would tell me anything.
Product: Credit card or prepaid card

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

Account name : JPMCB CARD ; Account number : XXXX According to 15 U.S.C 1681 section 602 A., I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish a account without my written instructions. I NEVER gave JPMCB written instruction to furnish anything onto my consumer report. I want them to delete this account from my consumer report. According to 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. JPMCB is aware that they are violating my rights as a consumer. I have disputed this account. I have sent them a letter. I have called them. They seem to have a blatant disregard for the law.

Furthermore, the Fair Credit Reporting Act 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment falls under the category of transactions. They should not be on my consumer report.

JPMCB has violated several laws at this point. Not only that, they are even reporting inaccurate information to my consumer report. I want this account deleted from my account immediately.
Product: Money transfer, virtual currency, or money service

The app is Albert. A while back I was in between jobs and needed money for food and essentials. The biggest complaint I have is with terms of service. You opt in to investing and depositing money into your wallet if you end up getting a loan. After having a job and not having a use for it anymore I come back to check if Im still not paying for anything. Turns out it puts money in my investing wallet and rainy day fund every week. Upon learning this, I immediately try and get everything out and shut my account down. Come to find out I cant transfer money out after recently depositing. Also another prompt Ill get is you dont have the available funds to transfer when I clearly do. You also can not cancel the account unless all of your wallets are emptied. I tried to get into contact with the support of Albert but turns out to be all bots and could never find a real human to talk to. Its just over all shady I know theres not much to do on shutting companies like this down and a lot of loopholes and shady business practices in place to keep them safe. Im just at the point where I dont know where else to turn to shut down the account or the ability to get the money in those wallets back.
Product: Debt collection

On XX/XX/2020 a letter was written from Rent Recovery Solutions, stating that a debt was owed from myself to XXXX at XXXX XXXX, in the amount of {$2100.00}. I do not owe this debt. I wrote them a letter stating for them to no longer call me, and that I will only communicate with XXXX directly and only through written documents. You will see a copy of the letter below. I sent it through certified may with a tracking number ( XXXX ) through USPS. They received the letter on XX/XX/2020 at XXXX. On XX/XX/2020, I received a phone call from this company. I did not answer the phone but they left a voicemail, stating that they are in attempt to collect a debt and to return their call. 

Below is the letter that was sent with personal information removed : " To Whom It May Concern : On XX/XX/2020, your company sent me a letter regarding an alleged owed debt. Be it known that I hereby dispute the validity of said debt. There are no monies owed to the original creditor : XXXX at XXXX. 

In accordance with the Federal Fair Credit Practices Act, 15 U.S. Code 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work with the original creditor, XXXX at XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by Rent Recovery Solutions, LLC or any other collection agency with regards to this matter. 

In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 

You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via US Postal Service mail that you will be terminating all attempts to collect this alleged debt. 

Thank you for your cooperation in this matter. ''
Product: Credit card or prepaid card

In XXXX I applied for a credit card but unfortunately, I had technical difficulties and had applied over 8 times to two cards. I called them they said they said they understood and approved me for the freedom unlimited and would take the dings off my account. When i called back a week later to see where my card was they acted like the first call had never happened. My score has still been affected, i do not want the card anymore i just want my credit score back
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my complaint. I contacted XXXX numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since 2019. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with XXXX in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct Experian is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2