23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights .

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

15 U.S.C 168 1 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several times on these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX Balance : {$990.00}, XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$660.00}, XXXX XXXX Balance : {$200.00}, XXXX XXXX Balance : {$180.00}
Product: Mortgage

On XXXX i was contacted by Loan Depot coercing me into refinacing my then va mortgage with XXXX XXXX XXXX XXXX I reluctantly agreed to refinace with a closing date of XXXX. On XXXX my wife suffered a catastrophic XXXX and entered a XXXX facility on XXXX. This involved medicaid which among there rules is one home. I needed to scale down finacially, medically and mentally. My home was put on the market. I had a buyer and a closing date of XXXX. I used my life saving to by a small 2 bedroom mobile home on XXXX. I completely moved. On XXXX my real estate agent informed me there was a lien on the home and had a unmarketable title/deed. This lien had been on file since 2012. Unknown to me at all. How did Loan Depot refinace my home when there was a lien on it filed in circuit court in XX/XX/XXXX? They never disclosed it to me at anytime. Loan Depot then transferred the debt to my current mortgager XXXX loan services. Again no mention of a lien or unmarketable deed. This illegal activity on there part has cost me my life savings as well as what was left of my health. I am still in the home i had sold and even lost the sell even though after all this i couldnt afford closing cost again anyway. Please help me understand why and how this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd REQUEST FOR ACTION! 

I recently submitted several complaints to XXXX  & LexisNexis regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.
Product: Credit reporting

i have disputed these items with experian more than XXXX times and they will not remove them. I HAVE NEVER HAD a deliquent XXXX case with the courts i have submitted papers from the friend of the courts showing i donot have a case there and have not had a child support case there. My student loans are also not late and i have asked for them to be updated on multiple occasions. i have also requested proof of these late payments and this XXXX case and have not received either. this is my XXXX or XXXX dispute with the bureaus with these items
Product: Mortgage

I requested a " payoff letter '' of the reverse mortgage in XXXX. I received the payoff letter and it stated it was good till XX/XX/19. I sold the house on XX/XX/19 and requested another payoff letter so I could close on XX/XX/19. I rec 'd automated reply stating it takes XXXX business days. I called on XXXX to ask where it was since I closed but the title company will not release the funds until I get a final payoff letter. She asked when I wanted the payoff till????? I said today so I can email to my attorney. She emailed to my office encrypted to XXXX XXXX XXXX, I could not open Adobe Acrobat..it stated it was a prohibited access. I tried to forward to my lawyer and home email, it would not forward. I requested they fax to me, I never received the fax. I called on XX/XX/19 they said they had to reissue a new payoff letter since it expired on XX/XX/19. I asked for supervisor..none were available. She stated she would try to get through. XX/XX/19 nothing has come. I called them again ... same drill. The interest and fees keep accruing and I feel this is a scam
Product: Debt collection

I have contacted Ability Recovery Services numerous times without success, as the phone simply rings with no answer. Additionally, I sent a letter requesting debt validation and further information on XX/XX/year> XX/XX/year>. I never received a debt notice or the right to dispute it. This company is not adhering to the FDCPA regulations. I am documenting everything meticulously in case my consumer attorney needs to initiate litigation. Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt. 

Please furnish legible copies of the following : XXXX. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt. 

XXXX. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required XXXX authorization. 

XXXX. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission XXXX XXXX Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the XXXX and Texas medical privacy rules XXXX I also hereby reserve the right to pursue civil action to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX  XXXX  XXXX  XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Address : My current residential address is XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/1967. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely,
Product: Credit card

XX/XX/2023 I was at a XXXX in my city and basically i used a atm that was in there, i used my credit builder card and took out {$400.00} .. i notice that the atm didnt give me any of my {$400.00} i file a dispute through the atm and they told me to go through my bank when i went through chime, they told me to wait till it stop pending i waited one day on XX/XX/2023 i disputed the charge through chime and literally at XXXX XX/XX/2023 i woke up to a message saying my claim was decline and i never recieved the money from the atm or even recieved a refund.. i called the atm customer service and they told me that chime has been doing this to customer not really investaging.
Product: Mortgage

We have made multiple large payments towards principal over the last several months. Wells Fargo has erroneously applied two of the payments towards regular payments. When asked to reverse these, only the most recent payments were reversed, resulting in an overpayment of interest by about $ XXXX. When this was brought to their attention ( multiple times resulting in several reversals of payments ) the remaining principal has only INCREASED by close to $ XXXX. Despite nearly 2 months of emails and phone calls and countless lost hours, the issue has not been resolved.
Product: Mortgage

This compliant is about the servicer SN Servicing, XXXX XXXX XXXX, XXXX CA XXXX and XXXX XXXX XXXX XXXX, XXXX NY XXXX They have transferred our loan several times over past year, and we were never notified that ownership of loan was transferred until we asked several times. 

They never gave us name, address and telephone number of the owner of the loan, until we asked court referee to get them to provide in XX/XX/XXXX, months after they apparently sold. 

On XX/XX/XXXX XXXX XXXX, debt collector filed Notice of Judgement Foreclosure  sale on our home, on behalf of XXXX, but XXXX had apparently sold our mortgage in XX/XX/XXXX, but we were never notified. 

XXXX XXXX XXXX XXXX, XXXX NY XXXX filed motion in court in XX/XX/XXXX, and were granted a judgement foreclosure sale on our home, and they went ahead with sale date for XX/XX/XXXX, despite the fact they did not own the mortgage and had sold the mortgage and transfer rights, but never advised us. 

We had no way of knowing who to contact of the new owners, as we did not know they had sold it, and we were still attempting to contact XXXX to stop the sale of our home, as we thought they were still the owners It caused huge stress for us between XX/XX/XXXX and XX/XX/XXXX, trying to stop sale of our home, and we did our own Order to Show Cause and stopped the sale of our home by XXXX. 

We later found out that XXXX did not even own the mortgage, and had fraudulently filed a Judgement for Forelosure sale in courts, in XX/XX/XXXX, and then they finally transferred the mortgage on court records from XXXX to XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX, a year and half after they apparently actually sold the mortgage again on XX/XX/XXXX to XXXX XXXX., but we were never notified of owner contact details sale etc. they only advised us it has been transferred, when we got a letter on XX/XX/XXXX. 

XXXX tired to sell our home, and filed false papers in court that they owned our mortgage in XX/XX/XXXX, when they had already sold it 6 months prior, but never notified us, and we had not way to contact lender and rectify. 

and new owners XXXX XXXX XXXX run by SN Servicing XXXX XXXX XXXX, XXXX, CA XXXX, have transferred our mortgage twice, and never provided all the supporting details or information that it had been transferred. 

Not once have they ever advised us where the transfers were recorded, or whom we could contact.
Product: Credit card

This is for SYNCB Paypal. I have tried to get them to remove the erroneous information they are sending to the credit bureaus. The debt was paid in full!
Product: Credit reporting

I disputed a judgement that was showing on my creditreport. XXXX deleted it from my report, XXXXmarked it satisfied. Experian said that it will remain when Idisputed it with them. When I tried to get more infofrom them they informed me that all they had to tellme was that they were n't removing it and that they weren'trequired to tell me anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was paid off in full on XX/XX/year>. 
Proof of unpaid debt owed to XXXX XXXX was requested by XXXX, XXXX and Transunion on my behalf and as a result due to not providing proof Tally Technology was removed from all XXXX credit bureaus. I have already paid off the balance in 2023. Please see emails that validate how XXXX verified my request to close the account and how the balance is paid off. Bounce AI refused to verify the debt was valid or paid in full with XXXX XXXX for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion received certified letter dated XX/XX/2022 and I have not heard from them to this day. They were asked to correct my credit report. The only thing I get from all 3 credit bureaus is {$19.00} monthly credit repair to fix my credit report. My score keep dropping.
Product: Credit reporting or other personal consumer reports

Two accounts that have been illegally reporting to credit report have been failed to be removed from my credit report, the bureau has failed to validate the accounts and follow the FCRA and consumer laws protecting me from the accounts. XXXX account XXXXXXXX XXXX has been removed from the other bureaus and the other XXXX XXXX is pass the statue of limitations. 

15 U.S.C. Sec 1681i ( a ) can not provide proof it needs to be deleted.
Product: Debt collection

A representative from Fox Collections in XXXX, Tennessee ( XXXX ) called from ( XXXX ) XXXX and discussed my debt with my dad. She did not even try to verify identity with a date of birth or social it anything, just address before she started releasing my personal information about a debt to my Dad. This occurred at XXXX XXXX  on Thursday XXXX XXXX. On my dads phone number ( XXXX ) XXXX
Product: Payday loan

I applied for a payday loan in 2013 for {$400.00}. I had paid back most of the loan until they started taking the payment XXXX or XXXX a week. I contacted my bank & put a hold on my account. I never heard anything from ACE until a year later stating that there was still a balance on the loan. I have attempted twice to clarify this situation.I paid someone representing ACE {$500.00}. To clear up this matter. Now I am receiving threatening emails. Claiming they are going to have me arrested. They are going to report this to the credit bureaus. I will have to go to court and pay additional fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Equifax in XX/XX/XXXX regarding a derogatory remark indicating a past due amount of {$58.00} with a medical facility in XXXX Texas. This past due bill was paid in XX/XX/XXXX/XX/XX/XXXX. 

I received an email telling me that my dispute had been completed ; however, when trying to access the information, the 'system ' would not let me in. I called Equifax on two occasions ... the most recent call being today, XX/XX/XXXX. 

I shared my concern with a female employee who told me only that the dispute had been completed but she would n't tell me the outcome. She transferred me to XXXX and he told me that I had called the wrong number and to call XXXX between XXXX XXXX and XXXX XXXX. I called the number at about XXXX XXXX and, through an automated system was told that the center was n't open and to call between XXXX XXXX  and XXXX XXXX! 

I check my credit score routinely. Currently, it is XXXX with XXXX and XXXX with Equifax. While many might view this as insignificant, I do not. I am concerned about Equifax 's information coupled with the gap between the two agencies. I am also concerned about the lack of customer support/customer information provided ( or not provided ) by Equifax. 

I appreciate any aide from CFPB. I can be reached via email to XXXX or by phone to XXXX. 


Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I had open a chase bank account last week i first had problems when I would use XXXX I had to always call to unlock my account than it was working fine I added money to my account out of no where it was closed and they said they were ending relation with me I asked why I did nothing wrong and they said they cant give me that information prior to that I received a email stating they needed to verify some information if not my account would be closed I called and they didnt let me XXXX anything
Product: Credit reporting or other personal consumer reports

I have filed complaints with XXXX XXXX and the 3 credit bureaus. Ive been trying to work with Experian and XXXX to get it removed as the information is unverified. I have asked for the verification process and who/what/where did they get that information. They are not giving me the proper reports or information so I can fix the issue and inaccurate information.
Product: Money transfer, virtual currency, or money service

I wanted to file a report with CashApp. They not only liquidated funds that I was sending to someone else. But did not allow my second transaction to follow through as if it went off into space. Once it was reported I find out they took my personal info.. ( requested birthday and social. ) This is against my consumer rights considering block , inc and cashapp were not assisting in these issues. I am requesting assistance. They also did not comply with the CFPA or EFTA during this period. I ask I am reimbursed thanks to their legal mistakes with no customer support with this issue outside I never received my funds back.