23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure 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. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 I received a hard inquiry on my personal transunion credit report from XXXX XXXX XXXX. I contacted transunion and told them I did not apply for any personal credit cards. I also, contacted XXXX XXXX XXXXXXXX. I have not received any information from XXXX XXXX XXXXXXXX and the hard inquiry is still on my personal credit report. Transunion suggested I file an ftc report.
Product: Mortgage

In XX/XX/XXXX, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account XXXX. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on XXXX of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries reported in 2018. Multiple credit inquiries that I did not authorized.
Product: Mortgage

Carrington Mortgage breached their contract with me by failing to auto-draft my monthly payment. As of result of Carrington Mortgage 's failure, they sent me a threatening letter entitled " Notice of Intent to Foreclose ''. I have never been late on my mortgage payments with Carrington Mortgage, and I currently have a XXXX FICO score. In fact, I have made multiple additional principal payments to this mortgage account this year. 

Please see attached documentation showing the threatening foreclosure letter from Carrington Mortgage dated XX/XX/2018 as a well as a screenshot of my XXXX FICO score as provided by XXXX XXXX bank. When I called Carrington Mortgage, the representative advised me that the credit reporting agencies would reflect this negative credit item, despite it being Carrington Mortgage 's fault.
Product: Credit card or prepaid card

Trip Delay insurance not processed after 50 days from filing date and no answers to emails. 

As part of the benefits advertised with my credit card, there was travel insurance. 

During holiday season there was a big storm in XXXX area which prevented my wife and I from traveling. I called the credit card and they said it includes trip delay and to keep my receipts for the claim. 

The trip delay due to weather was on XXXX XXXX XXXX  We had to stay another two days until XX/XX/XXXX in XXXX. 

I filed a claim ( Nr : XXXX ) on XXXX XXXX  for a total of XXXX USD that included two nights of hotel and meals. It is supposed to take 5 business days and up until Today it has not been processed. The last two emails I have sent to eclaimsline email address were not responded.
Product: Checking or savings account

A savings account was opened at Bank of America by 3 people a few years ago. At that time the 3 individuals designated a power of attorney ( POA ) All monthly statements received by the account holders, for many years, showed the power of attorney 's name which appeared under their names ( " as POA '' ). But then, a few years later, as the power of attorney was at the branch making a transaction, he was told by the manager that " the card with the 3 signatures did not appear in the system '', and said that to fix this problem all 3 account holders must again appear together to sign a new card. This has been impossible to be done as two of the cardholders are now living on two different overseas locations and can not make a simultaneous trip just to sign this card. ( Alas, that was the reason in the first place that a POA was assigned! ) The local account holder suggested that the signature card could be signed by each account holder one at a time at the branch, on different occasions, allowing the account holders to travel to the US at their convenience. This idea was flatly and categorically refused by the branch, affirming that it is BOA policy to have all accountholders sign together the POA card. This is just ridiculous.
Product: Debt collection

On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX co l # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was enrolled in XXXX XXXX XXXX hardship program due to my financial situation. The enrollment took place over a phone call, during which the agent assured me that my interest rate would be reduced and any late payment charges would be waived. To set up automatic payments, I provided my bank account number and went through multiple verification steps. The call was recorded for customer service purposes, and before ending the call, the agent confirmed that everything was set up correctly. 

However, on XX/XX/XXXX, I received a letter stating that I had not met the payment requirements. Troubled by this, I promptly contacted the bank and was informed that they would investigate the matter and get back to me. Unfortunately, I haven't received any communication from XXXX XXXX  since then. In the meantime, they reported the late payment to the credit bureau, causing significant damage to my credit score. Despite making multiple calls since XXXX, both XXXX XXXX  and the credit bureau have failed to assist me, exacerbating the negative impact on my credit. 

I respectfully request that XXXX XXXX provide me with a copy of the recorded phone call as evidence of our agreement regarding enrollment in the hardship program. Furthermore, I request that they take immediate action to remove the late payment from my account, as it was a direct result of their failure to fulfill their promises. I also urge the bank to discharge any accrued interest rate charges and late payment fees, considering this situation as a failure of their service. It is my sincere hope that XXXX XXXX will rectify this matter promptly and restore my credit to its rightful state. 

Furthermore, I would like to emphasize that the bank 's actions have caused significant stress and hardship in my life. By reporting the late payment to the credit bureau, my credit has been severely damaged, resulting in the inability to obtain loans or credit when needed. It is crucial for XXXX XXXX to acknowledge the negative consequences their actions have had on my financial well-being and take appropriate measures to rectify the situation promptly. 

Thank you for your understanding and assistance in conveying this message to the relevant parties. If there is any further information I can provide, please let me know.
Product: Debt collection

2 months ago I contacted this company to try to work out a payment plan with ( insight management ) that owned a XXXX credit card that was apparently mine from XXXX. They contacted my mother twice leaving voicemails, so I contacted them to try to pay them {$50.00} per month on a balance of what was said to be $ 2k. They refused my payment and said we would rather sue you then take your payment and when we do we will sue for $ 10k, so I told them okay I would see them in court. Fast forward to today XX/XX/XXXX they called my brother in law to try to reach me ( call is logged ) and gave him all of my personal information. They told him I owed XXXX furniture and even told him the FULL balance. This is illegal and my brother in law even told the person that they are not allowed to be telling him this. He is willing to testify if I need him for this. I called them an hour later and all they had to say was uh we are very sorry. You are sorry that you broke the law and this company should be took care of or freshened up on laws that they are suppose to know such as the debt collections practice act.
Product: Debt collection

I have been trying to reach this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I have reviewed Account Number XXXX, managed by RESURGENT/LVNV FUNDING on my Consumer Report with XXXX. My findings have determined that there are definitive violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ). These violations are as follows : 1. **Inaccurate Date of Account Opening ( Definite Violation of FCRA 1681s-2 ( a ) ) : ** The account opening date is listed as XXXX  This is factually incorrect, violating FCRA 1681s-2 ( a ), which requires furnishers of information to report accurate data. Inaccurate opening dates directly affect credit scoring and the duration of the account 's appearance on the credit report. 

2. **Missing Original Balance ( Clear Violation of FCRA 1681s-2 ( a ) ) : ** The report fails to display the 'Original balance '. This omission contravenes FCRA 1681s-2 ( a ), which mandates the reporting of complete and accurate information. The absence of such crucial data misrepresents the debt 's nature and extent. 

3. **Unlawful Debt Re-aging ( Violation of FCRA 1681c ) : ** The 'Date opened ' and the record until XXXX XXXX  suggest an illegal re-aging of the debt. This practice, which alters the date to make the debt appear newer, breaches FCRA 1681c that governs the permissible reporting periods for negative information. 

4. **Misleading Payment History ( Violation of FCRA 1681e ( b ) ) : ** The payment history, marked inconsistently with 'C ' ( Collection ) and 'ND ' ( No Data ), is misleading. This violates FCRA 1681e ( b ), requiring credit reporting agencies to maintain accurate and clear information. Such irregularities in reporting can lead to misinterpretation of the account status. 

These factual violations not only infringe on the FCRA 's guidelines for accurate and fair reporting but also misrepresent the consumer 's financial standing. The consumer is entitled to dispute these inaccuracies, demanding an immediate investigation and rectification, including the correction or removal of any incorrect information. Persisting inaccuracies, despite these disputes, could lead to legal repercussions against the responsible reporting entities.
Product: Credit card or prepaid card

I paid off my credit card with Indigo Mastercard on XX/XX/XXXX. On XX/XX/XXXX my card was stolen and rang up for {$250.00} in unauthorized charges. I called two of the vendors to confirm that my card was used with no proof of ID shown. 

I called Indigo on XX/XX/XXXX, they filed a claim, and gave no updates. On XX/XX/XXXX I called and they told me the claim was denied. I asked why and they said it was improperly filed. They previously advised that I have to make payments on my card even though the transactions are not mine. They will not expedite the process even though I waited over 30 days for this to be resolved. 

I filed a police report and offered multiple times for the report to be sent, to which they refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, and XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against TransUnion, XXXX, and XXXX, alleging systemic issues, such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses and failing to notify consumer of dispute outcome. These failures align with my experience when TransUnion, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputedaccounts as TransUnion, XXXX, and XXXX inaction violate the federal law and my rights as a consumer.
Product: Mortgage

1. lender/builders/builders agent all allowed the realtor to stay in the transaction all the way to closing and was supposed to assist the buyers and did not assist the buyers at all until only after being present on sigining of purchase agreementon XX/XX/2020. They were all informed that on the purchase agreement signed by the buyers and builder it was noted that this realtor would receive commission only if the brokers agreement fee was signed by all partiies. this agreement contract was in fact never signed by anyone and they refused to abide by what was on the contract due to the builder and the realtor having an " economic relationship '' together, which is against the fudiciary duties of the realtor. Realtors interest shoudl be for their client and in this case it was between the realtor and lender and seller/builder. 
2. Buyers refused to abide by the transaction and was informed that if not, there will be fined wth fees and can not anymore back up from the transaction. 
3. the home was appraised at XXXX and the loan was at XXXX which was noted on the loan estimate. on the day of closing and notarized, the lender changed the price of the home and sent the notary public to the buyers and informed them the need to sign the documents or will be fined with all delays and fees. the price of the home was changed to XXXX which was indeed over the amount they had provided on the apprasail week prior. Week prior the lender, provided different loan amount along with different closing cash needed to close and on the day of notary and closing, all the amount changed and forced the buyers to agree with this and signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit reports from Experian that show incorect information disputed and they did nothing did it by phone mail and online they said nothing and gave me nothing I have XXXX to XXXX on all credit scores Experian with no bad credit just great credit for open and paid off accounts and they are lieing to people I am getting credit reports saying I have a XXXX credit score when I just got a home loan they said I had higher then that so Have proof of them giving fraud information to companeys and the score with them has been XXXX for 15 years never changed I have proof of that as well
Product: Mortgage

Hello XXXX and XXXX, this is again a very confusing arrangement we have I have just received a payment notice change which I have attached and yet you are proceeding with a sale and I am yet to receive any communication on the re instatement of my loan or proof of the returned 12 months of payments for XX/XX/2017. Please call me to explain this.. 

Again Ditech is violating codes of the California civil sections 2924.11 2923.7 and the are in violation of the business code section 17200.et seq and most of all ACCOUNTING!!
Product: Mortgage

Carrington Mortgage Services Approved a short sale by notification dated XX/XX/XXXX. The approval waived any deficiency amounts. Carrington then referred the deficiency to a collection agency, which mailed notices to the old address where I do not receive bills from Carrington and they are attempting to collect the deficiency. A letter from the collection agency, XXXX, was received on XX/XX/XXXX, dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.