23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 
Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report multiple times, more recently on XX/XX/year> and noticed some items are still incomplete and inaccurate. 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 general, lf, 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.

15 U.S.C. 1681B ( 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: Debt collection

I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 

XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on my credit report.
Product: Debt collection

I received information from my mortgage lender a week ago that I had a judgement against me. I looked through 6-7 years of mail from storage and I found a letter 2 unopened pieces of unopened mail with no name on it to identify the sender. I opened the letters and found a letter inside from revenue recovery corporation dated XX/XX/XXXX that stated I owed them XXXX, note that their first letter date XX/XX/XXXX did not have the XXXX on it, in regards to XXXX XXXX XXXX, a place I lived from XXXX over Six years ago, now mind you XX/XX/XXXX was the first I heard of this judgement. I proceeded to go to the apartment managers office, then the main office of XXXX, XXXX, XXXX XXXX, then to Wakefield and associates ( recommended by main office ) to no avail, no one could do anything but point at the {$2200.00} and said that I owed them and Wakefield was the collector. I finally went to the XXXX courthouse to get to the bottom of it all and the court gave me the breakdown of the judgement and told me Wakefield has no right to collect this debt and only the court could collect this judgement, Wakefield wasnt represented at all on the civil court case information sheet dated ( XXXX ). It reflected the {$2200.00} not for rent but for damages, they recommended a lawyer. I would like to see Wakefield and associates in XXXX, TN dealt with on trying to collect on a debt that they never owned. I trusted them all the while they never owned the debt, Tennessee statute of limitations is 6 years but unsure if judgements are time barred as well. I want to pay it. Just to the right person or court or company and know why I owe it. No one knows why I owe it.
Product: Mortgage

Following up on previous complaint XXXX. I wanted to add more evidence proving the error. I sent this directly to Mr Cooper Mortgage on XX/XX/2023 through the portal. I am attaching here for review as well. Thank you XXXX XXXX XXXX Requesting response and review to error discovered. The shortfall amount is incorrect. And assistance with the additional monthly payment you are saying I need to make due to a large escrow account miscalculation. 

Thank you XXXX
Product: Credit card or prepaid card

I have a Walmart credit card that was charged off in 2013. The payment information in wrong on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX fraudulently report Experian, XXXX, XXXX and NYS XXXX XXXX. Experian, XXXX and XXXX continue the fraud. Please refer to attachment.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize these inquiries they were not authorized
Product: Debt collection

Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. 

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. 

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurately Reported Charged Off Account Dear Dispute Department, I am writing to request the removal of a derogatory and inaccurately reported charged-off account from my credit report, as maintained by TransUnion. The account, associated with a personal loan company, has been reported under the account number XXXX. This account reporting includes details that I believe violate Title I of the Consumer Credit Protection Act, specifically under 15 U.S. Code 1601, which demands accuracy and transparency in credit transactions and reporting. 

Here are the particulars of the account : Account Number : XXXX High Balance : {$430.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements Last Payment : XX/XX/XXXX Past Due Amount : {$420.00} Account Type : Unsecured loan Term Length : 7 Months Payment Frequency : Monthly Given the serious discrepancies and potential violations of the Truth in Lending Act 's mandates for accurate and fair credit reporting, I am requesting an immediate investigation into this account. Should this account have been inaccurately reported, or if the creditor can not substantiate their claims with sufficient evidence, I insist on the full removal of this entry from my credit report. 

Please complete this investigation within the statutory timeframe of 30 days as required by the Fair Credit Reporting Act and notify me of the results. If this investigation results in the removal of the disputed information, I would appreciate confirmation of these changes and a revised copy of my credit report. 

Should you find this dispute to be XXXX, please provide detailed documentation, including any relevant evidence, to support this conclusion. Enclosed are copies of documents supporting my position. 

Thank you for your immediate attention to this matter. I look forward to your prompt and detailed response. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX my mother received a phone call from " XXXX XXXX '' who apparently was attempting to contact me. I had not received a phone call, and the individual who called was not only rude and unprofessional, she indicated he disclosed information he should not have. I did contact " XXXX XXXX '' the next morning, XX/XX/XXXX, asking what this was in regards to. He refused to provide me with an address where I could send a request for validation, also refusing to provide further information about the company he was calling from when asked. He would cut me off as I was trying to ask a question, and then proceeded in threatening this account would be escalated to management to pursue. I do not feel any of the communication tactics XXXX XXXX used were appropriate, as I am entitled to request validation, and withholding information such as an address or the spelling of your company 's name is misrepresentation.
Product: Credit reporting or other personal consumer reports

XXXX is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXX XXXX Foursight capital llc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Call regarding the updating of my account to the three major credit beaureaus.

Called 3 times in XXXX  and again in XXXX and was told they already updated my account info to the credit company
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$780.00} Charged off XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, complaint XXXX XXXX, I submitted a request to TransUnion, explicitly asking them to produce proof of authorization for several inquiries made on my credit report. I emphasized that I did not provide authorization for these inquiries and demanded that TransUnion provide evidence demonstrating that I had indeed permitted for these companies to access my credit report. 

TransUnion, as the credit reporting agency responsible for maintaining accurate and up-to-date credit information, is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that any inquiries on my credit report are lawful and authorized. According to the FCRA, it is the responsibility of the credit reporting agency, in this case, TransUnion, to obtain proof of authorization from the companies that made the inquiries, not from the consumer. 

Despite my clear request and legal rights under the FCRA, TransUnion failed to produce the required proof of authorization within the mandated XXXX period. Instead, they merely acknowledged receipt of my complaint and initiated a review process, delaying the resolution of the issue. 

TransUnion 's failure to provide the requested proof of authorization within the specified timeframe constitutes a violation of the FCRA. The FCRA mandates that credit reporting agencies promptly investigate and address consumer disputes, including providing proof of authorization for inquiries, within XXXX days of receiving a request. By neglecting to fulfill this obligation, TransUnion has infringed upon my rights as a consumer and violated federal law. 

See the attached companies listed within the dispute.
Product: Mortgage

This is reference to SWBC Loan # : XXXX. 
Property address : XXXX XXXX XXXX XXXX CO XXXX Please note that I had recently sold my home XX/XX/21 and need to address this retrospectively since I was unable to resolve this after numerous attempts to contact both XXXX and the USDA who handled the payback of the forbearance prior to my house closing. 

This is in regards to the payback of a 6 month forbearance that I had with the swbc. 
When it came time for the proceeds of my home sale to pay off my mortgage balance and forbearance there was a discrepancy in the amount that they had me pay back versus the actual amount of the forbearance. 
The forbearance period was for 6 months with no penalties or interest as per the documentation I was provided. 
However, the mortgage payments were XXXX per month for 6 months. This would make the amount owed XXXX not the XXXX I was ordered to pay the to U.S. Department of Housing and Urban Developement. 
My calculations show that there is a discrepancy of approximately one month of mortgage payment that I am owed as a refund for overpayment due to them not giving me the opportunity to resolve this beforehand. 

I had after spending numerous hours finally reached the USDA and spoke to someone on an escalated call in a desperate attempt at resolving this and they informed me that I had to consult with SWBC mortgage in regards to this issue. I then if course attempted to no avail contacting swbc and have also spent numerous hours both being on hold and then being transferred to incorrect customer service agents on their primary customer service number. This is in addition to of course calling the assigned forbearance executive resolution number at XXXX. On this is number they do not answer and ask the consumer to leave a message assuring they would get back to you within 48 hours. Ive been leaving multiple messages over the course of the past 2 weeks week and have yet to receive a response which is what has prompted me to finally make this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime I try to apply for credit cards it gives me problems. I have identity theft under my name so I don't understand why it hasn't been resolved
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the late payments that have been reported on my credit report in relation to my account with your company. Upon reviewing my credit report, I noticed that there are XXXX late payments that are being inaccurately reported. I believe this could be a misunderstanding or error as I have always been diligent in making timely payments, as my payment history will reflect. 

I kindly request a thorough investigation into this matter to rectify the incorrectly reported information. As per the FCRA, I have the right to dispute inaccurate information on my credit report and that is what I am exercising. 

Please provide me a detailed explanation of the late payments and please provide any supporting documentation or evidence to validate the accuracy of this reported information. If it is determined that the late payments in this dispute were, in fact, reported in error, I request that you update my credit report to reflect these payments are in good standing immediately so that I may have an updated, and correctly reported, credit report as per law. 

Additionally, I request that you provide me with a written confirmation of the resolution once the investigation is completed.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I have noticed that XXXX has been reporting an account to my consumer reports. I did not give you any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you XXXX have an obligation to protect my personal non public information. 

Section A of this law 15 U.S. Code 6802 is saying that your company, XXXX, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company XXXX ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.
Product: Debt collection

Midland credit Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX I am writing to you regarding the collection notice I received for the above-referenced account that is being reported OPEN. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), I am exercising my right to refuse to pay this debt. 

I have no knowledge of this account and do not recognize any obligation to pay {$2500.00}. Additionally, I am aware of your internal policies and procedures through your manuals, which detail your compliance with FDCPA regulations. Based on this understanding, I hereby formally request the following : 1. **Cease all further communication with me : ** Pursuant to 15 USC 1692c ( c ), I demand that you cease all communication with me regarding this debt. This includes, but is not limited to, phone calls, letters, emails, or any other forms of communication.

2. **Stop reporting this account to credit reporting agencies : ** I also request that you cease reporting this account to any and all credit reporting agencies and remove any negative information you have reported about this account from my credit report.

3. **Provide valid proof of the debt : ** If you believe this debt is valid, provide me with a copy of the original agreement bearing my inked signature. Without this documentation, I have no obligation to acknowledge or pay this debt.

4. **Provide confirmation of your compliance : ** Please provide written confirmation that you have received this notice and will comply with my requests as stipulated under the FDCPA.

I expect your prompt attention to this matter and look forward to receiving written confirmation of compliance within 30 days of your receipt of this letter. Failure to comply with my requests will result in my taking further action to protect my rights under the law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX