23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I personally sent a Debt Verification Letter via Certified Mail and First Class to CREDIT CENTER LLC on XX/XX/XXXX. This letter was delivered on XX/XX/XXXXXXXX XXXX XXXXXXXX pm as reported by USPS. In addition, I have emailed CREDIT CENTER LLC requesting verification on XX/XX/XXXX. I received an email back stating " Your message has been received, is in the process of being reviewed, and will be responded to within 24 hours. '' However, I was never responded to via email, mail, or phone. I also followed up on this with the same response but was once again never contacted.

Prior to sending any Debt Verification Requests to CREDIT CENTER LLC, I had not ever heard of this debt. I never received a letter via USPS or otherwise. I also did not receive any phone calls. I contacted the original creditor and was told that there was no information on my file regarding collections or CREDIT CENTER LLC.

CREDIT CENTER LLC reported collections in my name to all three credit bureaus. I do not recognize this debt in any capacity, but I also noticed that Credit Center LLC reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall granting XXXX XXXX XXXX XXXX permission to release my medical information to a third party.
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 Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account 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 account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX, XXXX XXXX, XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Wells Fargo XXXX  added a loan for a car that I did not have. It was purchased in XXXX and charged off in XXXX. I contacted them several times. Turned down money they tried sending to me. Today they added it as new debt to my XXXX Credit Report. It was on XXXX than removed now it is on XXXX. This just will not stop.
Product: Credit reporting or other personal consumer reports

This account was charged of on the following date ( XXXX, XXXX ) Since then the account has repeatedly been updated as charged off for 7 months straight. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information false manipulates the statue of limitations. You failed to investigate this account properly and you neglect has violated my rights. I'm am demanding a deletion of the following account. I have also contacted this credit agency regarding to this account also being fraudulently open in my name and also sent police report regarding the matter. I am demanding deletion on the following account. 
XXXX XXXX - Card ending XXXX XXXX XXXX
Product: Debt collection

I have a collection account on my credit report and i never open this account I'm a victim of Identity Theft. Diversified Consultant XXXX XX/XX/2018 {$0.00}
Product: Debt collection

Hi, XX/XX/year> I sent a letter to Mariner asking to correct the amount even I offer a settlement of the original balance but they never responded but the account is going up to XXXX XXXX XXXX XXXX XXXX XXXX 
When my balance was {$4600.00} they are requesting $ {$7300.00} back on XX/XX/scrub>XXXX  but today new balance {$7700.00}...
Product: Mortgage

Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Paid the full balance on XX/XX/XXXX before the billing cycle/statement closing date. It then had XXXX balance with no additional charges. The statement closing/billing cycle closed 10 days later and they billed me an additional {$55.00} for interest that apparently accrued during that billing cycle. I closed out 3 other credit cards the same way ( as a result of a consolidation loan ) and none of the other credit card companies charged further interest on a XXXX  balance except for Citibank. When I paid the balance in full before the statement closing date there should not have been additional interest charged
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a deferment of my payments when it changed from a line of credit to an conventional loan. I also deferred my payments to the end of the loan due to covid epidemic. Through this time of deferment this company has Reported late payments to the credit bureau as being late. This needs to be change as it was in deferment.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with XXXX and TransUnion requesting a reinvestigation, the issue remains unresolved to this day. 

XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report TransUnion 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I received a letter from Fair collection & Outsourcing for {$690.00} for a XXXX XXXX XXXX and responded that it isnt mine and that my name is XXXX XXXX XXXX, I also called to tell them to remove it from my credit report since it isnt mine and it hasnt been done, the person who answered the phone wanted me to giver her personal information which I wasnt willing to give since they added the debt without me giving them any of that information to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to monitor my credit with XXXX and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry. 

Transunion XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I spoke to a customer service representative from XXXX and Transunion so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.
Product: Credit card or prepaid card

I stayed at a XXXX XXXX XXXX XXXX, in XXXX XXXX, NJ around XX/XX/2022 as a hotel stay. When arriving at the resort, I was asked to go through a presentation the next morning. They asked for certain personal information and I asked them why? They wanted to see what services they could provide me for future lodging stays. I clearly told them that I wasn't interested in anything that was going to cost me money. They said it wouldn't after I clearly told them that I was not interested. Against my better judgment, I decided to go through the session ( strong-armed ) and I gave them information that I should not have given them. The accomodations were very nice but I was NOT interested. After sitting with a consultant who was describing to me what I thought was a time-sharing program. They tried to provide me with several future vacation options. Well long story short, their account is now showing up on my credit report and I want to get it cleared. I just wanted to enjoy my stay and I do not like that this is listed on my credit report.
Product: Credit card or prepaid card

Wells fargo is delaying to send me my credit card agreement to check terms and conditions of this home projects card. 

I called wellsfargo 2 times over a month ago, and spoke customer service agents to whom i had requested for CREDIT CARD agreement for my wellsfargo home projects credit card ending in XXXX, so i can check terms and conditions, and they promised that i would receive it within XXXX to XXXX weeks, but its been a full month, and i have not received my credit card agreement. 
I am extremely disappointed at this XXXX customer service and almost purposeful delaying of sending customer their copy of credit card agreement. 
As to keep customers in the blind as much as possible about card agreement and terms and conditions. 

Very disappointing and deceptive pratice from Wellsfargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called XXXX, XXXX, and Experian multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XXXX XXXX, 2020 and I recently just called on XXXX XXXX, 2020. 

These are the three collection accounts : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$690.00}
Product: Mortgage

On XX/XX/XXXX I started the mortgage process with Chase bank. I supplied all the documents they asked for and was told that they had all the documents they needed to close on XX/XX/XXXX. The closing date was scheduled for XX/XX/XXXX. On Friday XX/XX/XXXX at XXXX XXXX I was told that they needed additional documents and they would be pushing back the closing to Wednesday XX/XX/XXXX. I immediate supplied the documents. I was in contact with the loan officer all day Monday XX/XX/XXXX. I was told at XXXX on Monday XX/XX/XXXX that I was not getting the loan. The reason was that I have a ira account and they want verification that I have access to 100 % of the money in order to give us the loan. I am XXXX and my husband is XXXX, we are living off of our 401k money until we are eligible to take our IRA with no penalty. I have substantial savings more than enough to pay for this loan without the IRA money. I asked them to apply the 20 % penalty and amortize the money and they said they could not. We would have to have access to 100 % of the money. 

We were very upfront with our finances. We should have not been able to proceed if they knew this was the case. It was very unscrupulous to wait until the closing date to tell us we could not get the loan. 

I am making a case for age discrimination, since I am not old enough to take my IRA without penalty and I was denied a home loan because of this. 
They had no problem taking XXXX from me to process a loan they had no intention of giving. 

I am losing this house, my earnest money and all of my expenses.
Product: Credit reporting or other personal consumer reports

Experian, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating the FCRA ,
Product: Debt collection

I keep getting call from this debt collector, they have called me 2 times in 1 hour on the same day i have filed with my states Attorney General consumer Protection Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX Open DatXXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.
Product: Debt collection

It some company keep calling my job all the time trying to take legal action. They said that they court summoned me, but I never received nothing to go to court. In addition, they are asking what my HR name is and are trying to fax papers to try and garnish my check. The number is ( XXXX ) XXXX ext. XXXX or XXXX ( XXXX ) XXXX. Her name is XXXX and I have no clue what 's going on. I need for her to stop calling my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly reported to Experian that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at Experian said that they can't put late payments on a collection when there was no agreement to pay.
Product: Checking or savings account

I had fraudulent charges coming from " XXXX XXXX '' being taken from my account for months. I noticed last XXXX. I called XXXX and they stated that it was not them. I was using my credit card to pay for my XXXXXXXX XXXX account, not debit - as stated, I called them and inquired, they assured me that it was not them charging mea and it was fraud attempting to cover up their charges as XXXX. I filed a claim with my bank ( Bank of America ) and they just denied my claim and said they were going to take the {$130.00} back out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting to agencies 3 collection accounts with active dates and missing company information is inaccurate.