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

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Closed Late Dates : XXXX ( XXXX ) -XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Consumer Loan

I checked My credit through XXXX which I do on a monthly basis, And found that Wells Fargo dealer services was reporting it incorrectly I was speaking to a rep by the name of XXXX, I explained that they were reporting incorrect information on my report, My account # XXXX they are reporting it as closed, Its Open, they are reporting it as derogatory included in a bankruptcy ( which is untrue ) It opened in XXXX 2013 and is current NEVER past due and has a current balance of approx. XXXX He got off the phone put me on hold and told me It was MY responsibility to get it corrected, that I must file a dispute and take my time and effort to correct their error, this is effecting my credit score, this effecting my ability to obtain additional credit, and is damaging me. I explained under fair debt and accurate reporting that they can as a subscriber and reporter of credit investigate and review what is reporting by going into XXXX and manually correcting their error, He the rep responded with " I can only tell you what MY supervisor told me to tell I want this corrected Immediately, and what them investigated on these types of practices this Unfair and deceptive in their inaccurate reporting of consumers account 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is with Bank of America. I filed Chapter XXXX bankruptcy in 2012. The BOA mortgage has been modified but has never been with another lender. BOA is refusing to report my payments to the credit bureaus- my payments are always made on time- and this is causing me to have a XXXX credit score. I reached out to them a few days ago and they are still refusing to report the account to the credit bureaus.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX I made a purchase to a private party through XXXX. The person failed to send the item and ignored my attempts for information. I contacted XXXX about this and they failed to attempt any recovery even after I filed a police report. I then contacted my bank and filed a dispute including the police report number. This transaction was in the amount of {$110.00}. My bank, Alliant Credit Union has informed me that they will do nothing and to resolve it on my own. I have had two other theft/fraud purchases that Alliant  has given me the exact same response to. The second transaction was in the amount of {$120.00} paid through XXXX XXXX   and again with a police report number they were unwilling to help. Finally another purchase through XXXX in the amount of {$75.00}. That XXXX not the bank would assist with even with a corresponding police report for theft/fraud. I included all communications with the private parties to the police to be included in the report. XXXX, XXXX XXXX, not Alliant will do their due diligence to research this theft and have done nothing as far as I can tell. I have received notices of XXXX decisions against my claim. I can provide communications between myself and the other private party.
Product: Debt collection

I never received any legal contract verifying with my wet signature from me claiming I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2013 my ex-wife filed bankruptcy so Wells Fargo stopped reporting on my credit report. I contacted Wells Fargo about the issue and they had me send in my divorce settlement showing that she no longer has a claim to the house. Shortly after I sent this information in they began reporting on my credit report again. Recently I went to get a loan to keep my deceased father 's house from going in to foreclosure, which happens to be at Wells Fargo. Now I have been told that my credit is too low do in part to not having a mortgage that I have been paying for 11 years on my credit report. When I called about the issue all the representative could tell me was that from her understanding it will not report even though it has been reporting for the last 5 years.
Product: Mortgage

Ocwen Bank submitted a Motion to Default on the home loan while I am currently 50 % ownership and was protected under the Bankruptcy  Chapter  XXXX  laws.   XXXX      XXXX  Currently I received an order substituting Plaintiff to    XXXX   XXXX    ( originally  Ocwen  ) which t he order was filed before I received the notification about the substitution which I oppose and will submit this to the court.    Ocwen  filed the Default and   XXXX   XXXX   XXXX   wasnt assigned  the servicing company on public records or properly notified all parties of ownershi p of such change.   I am the other person who has legal interest in the property and the one that is not receiving proper notification or servicing..   Please submit this to the highest level of investigation as you will find o ut Fair Foreclosure Act has be en violated along with other discrepancies with this process.   This appears to be an under handed way to obtain a summary judgment without serving me the proper complain t, notice of intent to foreclosure or corrected notice and since Ocwen is   trying to substitute Plaintiff   XXXX   XXXX   XXXX   XXXX   as Trustee for  XXXX  Master Participation Trust seems to be a conflict in its self since they have not submitted any documents as well.     This is  XXXX  starting all over again with in proper banking practices and attorneys filing documents without notification to all legal interested parties.     Robo signing practices no  XXXX  checking all servicing documents etc
Product: Credit card

I was charged a {$39.00} membership fee in XX/XX/XXXX. And {$39.00} membership fee in XX/XX/XXXX. I was told in both occasions I would be able to upgrade card to a non membership fee card. This has never happened. I'm now forced to close the account and lose credit age and also available credit. Card companies should not be able to lie customers and I was lied too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment for the month of XXXX was submitted online on XX/XX/XXXX. The Mortgage company did not withdraw payment until XX/XX/XXXX. I watched on the news and read in the newspaper that lease and mortgage payments that were late could not warrant eviction and negative credit reporting. I received a notice this week that XXXX points was taken from my credit report because I was late in XXXX. I emailed Standard Mortgage and they informed me that I would have had to have requested a forbearance due to COVID-19 to not have a negative report to the credit bureaus. I was unaware that I needed to request a forbearance, and I had already determined I was going to pay my mortgage even though my business revenue severely decreased as a result of COVID-19 and I had not yet qualified for any XXXX loans or paycheck protection. I am requesting this negative hit be removed because I have been impacted by COVID-19 financially, and I was unaware that I had to file a forbearance request, and I still have intentions on paying my mortgage payments now and in the future.
Product: Debt collection

The law clearly states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. 15 usc 1692c LVNV Funding call me several times a day, send emails constantly, they do not stop harassing me, have threatened to file legal action despite my multiple requests for them to stop contacting me and reporting to the credit bereaus.
Product: Credit reporting

To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX
Product: Debt collection

I had a cell phone plan at XXXX XXXX XXXX , two years ago, my plan was contracted for the value of {$150.00} dollars per month and then each month they raised the amounts to pay, one month it was {$350.00}, another month it was {$400.00} and it went up to {$550.00} to which I requested to modify my telephone plan several times and charge the contracted amount. 
They never gave me a solution to the problem, they told me to go to the store where I purchased the phone plan and they would solve it there, in the store they told me I should call by phone so they can solve the problem, and so on every time neither in the office nor They solved my problem by telephone, I requested to close the lines with XXXX  and return the phones that I had acquired two months ago, by telephone they told me yes. return and pay the value of {$150.00} and the telephone plan was closed. 
I went to return the phones at the store ( XXXX XXXX, XXXX XXXX XXXX NJ XXXX ) as the telephone agent explained to me and when I got to the store they told me that I could not return them and that I had to keep the two phones and pay the value of {$1800.00} USD. 
I told them that I could not cancel that amount and that I was also returning the phones that I had not even used and they did not accept the return and that I had to pay the {$1800.00} and that's it. 
I have tried on several occasions to talk to them to find a solution to that payment, but they refuse to do so, I have the new phones to return them but they do not accept them. I need help to find a solution to this economic problem that is affecting me
Product: Credit reporting

All XXXX credit agencies have incorrect information regarding my current address. They also do not have an accurate history of my employment. XXXX has not been updated since XX/XX/XXXX. It is difficult to say how these inaccuracies are influencing my credit score. While I have a rating of XXXX on XXXX, I have XXXX on TransUnion and XXXX on XXXX. ( In XX/XX/XXXX it was between XXXX and XXXX. XXXX is the most accurate. ) The gap is significant and without question will affect my ability to apply for loans and credit cards, as well as seek employment. I only have XXXX account with a potentially negative report, due to a late payment in XXXX XXXX. Other than that, there is nothing that should negatively effect and cause a significant drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When logging into myEquifax, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.
Product: Credit card

I am writing to formally file a complaint against Capital One regarding their ongoing harassment, failure to acknowledge my XXXX XXXX  bankruptcy filing and incorrect reporting on my credit report for two credit cards included in my bankruptcy. 

In XX/XX/2023, I filed for XXXX XXXX bankruptcy, which was subsequently approved as of XX/XX/2023. As part of the bankruptcy proceedings, two credit cards issued by Capital One were included in the filing. Despite this, Capital One has persistently contacted me regarding late payments and has continued to report these accounts as delinquent on my credit report. Moreover, these accounts have not been closed as requested. This conduct is not only distressing but also illegal under consumer protection laws. 

I request that the Consumer Financial Protection Bureau take the following actions : Cease and Desist Telephone Communications : According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, a consumer has the right to request that a debt collector cease communication. Therefore, I demand that Capital One cease all telephone communications immediately. All future communications should be conducted in writing. 

Acknowledge Bankruptcy Filing : Capital One must acknowledge the inclusion of my credit card accounts in my XXXX XXXX  bankruptcy filing. The continuous attempts to collect a debt discharged in bankruptcy are in violation of the Bankruptcy Code, specifically 11 U.S. Code 524, which enjoins creditors from attempting to collect discharged debts. 

Correct Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), Capital One is obligated to ensure that the information reported to credit bureaus is accurate. As these debts were discharged in bankruptcy, they can not be reported as delinquent. I demand that Capital One correct my credit report to reflect the accurate status of these accounts and remove any negative information related to these discharged debts.

Close Accounts : I request that Capital One immediately close the accounts in question, as they were included in the bankruptcy filing and should not remain open. 

Request for Financial Reparations : Due to the distress and anguish caused by Capital One 's actions, I am requesting financial reparations of {$1000.00}. If this matter is not resolved satisfactorily, I may be compelled to file an official judicial request against the company for negligence in their reporting and failure to acknowledge my bankruptcy filing.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that my Equifax has admitted That I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit Report.
Product: Debt collection

This collection company has reported to XXXX XXXX of a collection accounr. It says original creditor is XXXX XXXX. 
I had att in 2016 and returned my equipment as instructed at ups store and received receipt. This collector has never sent me anything and the only way i found out about this is by XXXX XXXX alert. 

Collection co on my XXXX report Enhanced recovery co XXXX, fl XXXX
Product: Debt collection

Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is synchrony bank and i have been in touch with the official XXXX of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.
Product: Credit reporting

there listing XXXX judgements on my credit report that where vacated in court this incorrect information
Product: Mortgage

During XXXX, XXXX XXXX mortgage asked if we were affected by XXXX. My wife and I both were. They authorized us to stop making payments on our mortgage because they were going to come up with other payment options. After the forbearance was over, I tried to continue to make monthly payments, and they said it would affect the new payment plan. They said I have to wait for the XXXX to refinance this loan. They told me not to worry about this ; it was a XXXX loan, and all of this was normal. In the meantime, they reported to creditors as being XXXX months late. They eventually sent paperwork with my new terms. My original mortgage interest was 3.2 %, and now they refinanced it to 6.6 %. They also made it impossible to talk to someone on the phone. They claimed that they were too busy HELPING other customers. They had an option to call you back within XXXX hrs. I tried this XXXX  of times with no callback. This company clearly took advantage of us during a life-and-death situation. I have also tried to call them to get documentation for this and the automated line says to call back during business hours. This message plays all day so a customer cant speak to them.