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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018, and again on or about XX/XX/2018. I requested the Method of Verification via return receipt certified mail. Transunion refused to provide me with their Method of Verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action.

Heres the list of the questionable items : XXXX XXXX XXXX XXXX  Account XXXX Please supply information on how you have verified this item. 
XXXXXXXX XXXX XXXXXXXX - Account XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX  Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX  - Account XXXX Please remove it from my public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two letters at different times over the past few months ; disputing incorrect information on my credit report. I asked the bureau to provide me with the written and signed contract between myself and the collection agencies that reported. I was told to call them ( collection agencies ) myself, ( the bureau ) we're not doing so. I then asked for the letters or means of verification that the bureau received and they refused to give it to me, or verify their verification process. I demanded that the derogatory data be removed and they reinerated that it was verified. I do have letters that I sent to each bureau requesting these things to be removed. 
They also added a last name to my name that isn't mine.
Product: Mortgage

I have discovered the Assignment of Mortgage on my loan was robo-signed by robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. The Assignment of Mortgage executed and recorded/filed on XXXX XXXX, 2011 on my loan was robo-signed by known robo-signer XXXX XXXX. XXXX XXXX was not an employee XXXX XXXX XXXX XXXX XXXX XXXX at the date of the signing and XXXX Bank, XXXX did not exist on XXXX XXXX, 2011.
Product: Money transfer, virtual currency, or money service

IN XXXX XXXX  XXXX  STOLE FROM MY XXXX  XXXX XXXX  EXEMPT FUNDS DUTRING H.A.M.P. LOAN MOTIFICATION EXPRESS PAYMENTS OF XXXX XXXX TRANSFERS.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Debt collection

Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " XXXX  '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Mortgage

I fell behind due to my husband having XXXX  XXXX and losing income. I am in a better place right now to be able to afford the payments but I put in for a loan modification and they tried to give me a trail plan and the payments were almost {$400.00} more than my mortgage payment and they are trying to raise my interest rate from 4 to 6 % I filed for bankrupcty to try and get myself together and I am making payments to the account and the company keeps mailing out statements where my payments are higher than they are supposed to be. No one sent me anything as to why the payment amount goes up every month and i mailed letters requesting this information and no one ever gets back to me. They wont talk to me over the phone and I am scared to death,. I am trying to do the right thing but they are playing games. I would like a fair modification but all they want to do is play games. I need help. I feel from the very beginning I had a problem with the loan and they pushed it through because I had money to put down on the house.
Product: Credit reporting or other personal consumer reports

I have been closely monitoring my information on my credit report and noticed a couple accounts with LVNV FUNDING LLC. 
LVNV FUNDING LLC {$670.00} LVNV FUNDING LLC {$690.00} THESE ACCOUNTS I DO NOT RECONGNIZE AND I WOULD LIKE THEM REMOVED IMMEDIATELY. LVNV FUNDING LLC has only provided itemized statements of these accounts. I have asked multiple times for a contract agreement from their company with my wet signature being that my identity have been stolen multiple times over the years. I receive random fraudulent accounts to my credit report often. XXXX have confirmed that my identity have been breached which includes my phone number, home address, drivers license, and my birthdate. Itemized statements with my information at this point means nothing. Also my identity have been also breached with the major 2024 national public data as well which includes 2.9 billion people.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reached out to XXXX, XXXX and equifax about XXXX XXXX  saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Product: Payday loan, title loan, or personal loan

I have been paying on this loan and I was original was stated my interest rate was a 13 percent which was high based on my good credit history. Anyway they have been taking out double payments without me knowing for this loan and charging me interest as well on a reversed payment. Saying its late. I want out of this loan I feel like it has been paid off already and they added extra fees.
Product: Debt collection

In XX/XX/year> I started receiving emails from Systems & Services Technologies saying that Im late on a payment. ( Your payment of {$27.00} for account number XXXX was due on XXXX. ) I dont know who this company is or what the debt ismaybe someone sold a loan to them? They seem to have all my information. The emails provide a monthly amount owed, but not a balance or payoff amount. Their phone number doesnt answer and their website wont load on any of my browsers. I need to know if this is a legitimate company and if so, what I owe them for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I do not recognize this inquiry
Product: Mortgage

This is a follow up complaint regarding reference # XXXX. I originally filed a complaint against BSI Financial. The complaint was closed after the company responded stating that they had sent a request from me asking for additional information. This all occurred back in XX/XX/2022. It is now XX/XX/2022 and while the company has received all of my documentation and has confirmed since XX/XX/XXXX that I have been approved for Recovery Modification and that papers would be mailed out to me within a couple of weeks from the email correspondence. I have been told this several times since the beginning of this process. During this time I have received negative reporting to the credit bureau, a medical credit card was closed due to the reported information, and my credit score was dropped significantly all at once. I have personal called in to make payments since the end of my forbearance. My payments started back on XXXX XXXX. I am unable to pay online due to lack of updates to my account. When I attempt to mail in payments, the checks are never cashed. When I call to make a payment, I have been charged for doing so in the past. This has been a very long process. Most recently not only has XXXX XXXX have not followed through with the documentation or paperwork, she has stopped returning my emails and I have not been able to get her on the phone. Attached you will see copies of our communication regarding this case as far back as XX/XX/2022. I am requesting your assistance with this matter so that I may continue to move forward with my life and get this issue resolved. 


Respectfully,
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond
Product: Mortgage

I secured a mortgage for a rental property that is titled in the name of an XXXX. The mortgage is in my name and the name of the XXXX. The mortgage was recently sold. The XXXX name was dropped in the process and the servicer contacted me to say that the insurance policies on the house where not in my name. I called them and explained that was because they property was titled in the name of the XXXX, and the XXXX apparently name got dropped from the mortgage during the transfer and we needed to get it added back. They put me on hold and never got back to me. Later they day, they contacted my insurance agent and requested the change the name on my policies from the XXXX to me personally. The insurance agent contacted me. Rather than fix the issue with the servicing transfer, without my permission they called my insurance agent to change the name on my policies.-
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 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: Vehicle loan or lease

I financed a XXXX XXXX through credit acceptance with XXXX miles back in 2016. The car sales price was around {$10000.00} of the car lot at a payment of approximately {$500.00} a month. What I didnt understand was how high the interest rate was on the loan its somewhere about around 25 %. I payed on the vehicle for two years straight no late payments and fell on hard times and I did not understand the terms that were given when the loan was originated and the vehicle was repossessed. They then auctioned off the vehicle for {$2000.00} and got an order to garnish my wages for {$12000.00}. That more then what the car was worth when I bought it. The vehicle also needed a new transmission and which was a {$3000.00} repair and made it it impossible to drive. I then had to pay for an attorney to stop the garnishment and had to pay {$200.00} a month. I cant afford {$200.00} a month because I still need transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out a letter and called them Equifax! When i called they said they never got my letter .. when i mailed my letters i never got a response. Ive got letters from XXXX XXXX  inquiry date XX/XX/XXXX stating the inquires should be removed and they still showing, XXXX  XXXX inquire date XX/XX/XXXX the company never replied back to the XXXX  within time and needs to be removed per FCRA, I also got a letter from customer one stating the inquires should be removed and they still reporting it this is a violation per FCRA and should be handled promptly. I FEEL LIKE THE EQUIFAX COMPANY IS BLATANTLY NOT RESPONING TO MY LETTERS AND REQUEST
Product: Debt collection

I was approached by a company on or about XXXX/XXXX/XXXX in reference to paying an old Payday Loan from XX/XX/XXXXThe individual spoke so fast, I did n't catch the name of the organization. When I stated that I did not have the money they were requesting, the gentleman began yelling at me and threatened to take the next step which he said was a lawsuit. The gentleman then hung up on me. 

A few days later, I received a " Civil Lawsuit - Notification '' letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX. The letter stated that I was about to be sued for a XXXX/XXXX/XXXX Payday Advance Loan from Ace Cash Express. 

On Friday, XXXX/XXXX/XXXX and on Saturday, XXXX/XXXX/XXXX, I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday, XXXX XXXX. XXXX texts said to call XXXX and press XXXX " today '' to avoid this action. 

The outgoing message for the XXXX identifies the organization as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is well passed the Statute of Limitations in my state and this collector is violating FTC practices.
Product: Debt collection

In violation of 12 CFR 1006, this debt collector ( Hollis Cob Associates ) collected a pay-to-pay fee through a third party payment processor while not expressly authorized under state law nor expressly authorized by the agreement creating the debt ( XXXX XXXX XXXX XXXX XXXX XXXX I asked the debt collector if this was expressly authorized by the agreement creating the debt, and they stated that they dont have that information. The amount owed was {$90.00}, I was charged {$96.00}, of which {$6.00} was the pay-to-pay fee. I was forced to pay this fee to resolve the debt. I attempted to ask for the fee to be refunded, and they refused. I advised that I would submit the complaint if they did not agree to refund me, they ended the call. The Bureau of Consumer Financial Protection advisory opinion ( XXXX ) clearly reiterates that debt collectors are prohibited from collecting any amount including interest fee charge or expense incidental to the principal obligation, unless otherwise expressly authorized as stated above. I am attaching proof of the amount paid, the fee charged, the account paid in full, and the details of the account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$54000.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.