23daVinci/CFPB_Complaints huggingface dataset:
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Transunion, and XXXX Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

As per FCRA ; FDCPA, I, XXXX XXXX being the protected consumer, I am optting-out of any and all authorization ; I the consumer may have given you written unwritten, verbal and non verbal to the following parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Discover Financial services and or bank/holdings or subsidiaries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 5 USC ( Privacy Act 1974 ), 15 USC 1681 ( b ) permissible purpose as well as 15 USC 6801 6802-6803-6804-6805 ( Obligations and disclosure of non public private information ). 16 CFRA 313.1-313.7, CFRA 433.2 Discover Bank furnished inaccurate information as well as violated my non-public private personal information Also they have deemed And or alleged A charge of On my credit report Which is a certificate of indebtedness which under IRS classifications is income and that can not be reported on such a credit report ; which said being a violation of 15 USC 1681 b and 16 CFR 313.1 - Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

The above previous mention bureaus Banks and or companies have violated me under federally protected rights 15 USC 1681 5 USC also known as the Privacy Act of 1974,16 C FRA 313.1 - 313.7 :16 CCFRA 433.1-433.2 ; I unknowingly and or knowingly never consented for any of those companies to furnish or report my non- public personal private information nor did I think they would report things inaccurately causing ruin to my credit score and history again, it was illegal for them to report any pay history or furnish such private non public information. My identity has been compromised and is in error. I seek for the inaccurate reports to be corrected as to reflect PAID AS AGREED as they should and for errors reflecting my credit score to recieve correction in conjunction! The pain and suffering associated with the reporting and furnishing of my non-public private information also the furnishing of my payment history and the use of my personal Social Security identification number have left emotional suffering and loss which one may and has had a hard time coming to grip with.

As to conclude I seek correction as it pretends to the fair reporting of my credit history!
Product: Credit card or prepaid card

I paid my Capital One cards to XXXX, they accepted payment then put my account on restriction, Im currently XXXX overseas, I contacted them and was told my accounts were closed. They would not give me any other reason or explanation. I carried a high balance due to a lenghty and expensive divorce, as soon as I was in a financial position to pay them to XXXX balance, I did. I thought I would improve my credit score, they have closed my accounts which has now damaged my scores. I paid on time and was never late. I have also had vehicles financed through them, which I paid on time and was never late. Closing my accounts without warning or reason is bad business in my opinion.
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, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to Equifax a letter outlining ALL accounts in violation of federal law. After waiting for a response from Equifax, and giving the company the lawfully allotted time to respond, I never heard back from Equifax. I then filed a dispute with the company through The CFPB portal on XX/XX/2022 again expressing my distaste for the situation they were taken me through pertaining to not deleting and blocking the fraudulent and erroneous accounts after being notified by not just me but by the FTC. I included in this my drivers license for proof of my address as I do not have bills at the moment to prove this otherwise so this had to suffice, FTC report and my social security card for proof of identification. After Equifax responding to the CFPB complaint made by me they assured me that they had removed the item from my credit report and blocked it from ever reporting again ( verbatim " A summary of the results are listed below : Collection : COLLECTION BUREAU OF FWB THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. " ). This can also be seen in the complaint for proof. When I checked my Equifax credit report the other day the negative item was still reporting! I called in to Equifax XXXX XXXX XXXX PM and informed the representative of my issue with the reporting on my credit profile and what I had been through in dealing with these fraudulent accounts. She informed me that the account had in fact been deleted but were added back due to some odd reason. I then told her that adding a fraudulent account back that had been deleted was illegal and I desired to speak to a higher tier employee she told me that none were available but would call me back. I have yet to receive that call. This is my final attempt to rectify this issue or I will sue for defamation of character as well as other stressful emotions and frustrations caused by your negligence and willfulness to continue to publish and report incorrect and fraudulent information in my credit file. I demand this be deleted once and for all and as I asked previously for you to block this account from ever returning to my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX2022 IXXXXXXXX XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXXXXXX/XXXX/2022
Product: Debt collection

bought a vehicle and told them i was on a fixed income and had XXXX for down payment. when i arrived the passed me on to another sales person who told me he was working with me now. They told me i was turned down for a vehicle then a day later told me to bring my XXXX and pick up the truck. they said i need insurance but i told them i did not have any more money. so they gave me papers to sign saying for a promise to pay insurance i would let them take the money out for insurance from my debit card. the loan company finalized my loan then i was on my way. a day later my transmission was going out so i called them and they say the car was as is and there was nothing they could do. so 40days go by and they said to come pick up your license plates, but when i got there they started to harass me and say hey you owe XXXX then we will give you the plates. i said no and after a hour of an argument they gave me my plates. then when i started to monitor my credit i saw Grimm collection agency on my report. i explained to them what was going on and i did not owe this debt nor had been contacted about it. i was told they had sent the info to the wrong address. i gave her my address and she still sent it to a wrong address. i ask her to remove this from my credit report because it was a fraudulent debt. i contacted the car dealership and was not willing to work this out and to contact the collections agency. so i do n't know what to do because this is a fraudulent debt from a dealership with questionable practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to the 3 major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC  systems is in violation of consumer rights and reporting false information on public consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX XXXX ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. 
The inquires that need to be removed due to no knowledge of them are : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting.

2 ) Refusing to updated and removed false information from credit report.

3 ) Each credit Bureau have different information from one another.

4 ) I provided them with proof and they still refused to remove false information. 
5 ) They did not take their time to go over my credit report.

I have 5 violations that was done to me by XXXX, Equifax and XXXX. Meaning I should be getting a check for {$5000.00}.
Product: Debt collection

SENEX SERVICES WARNING I had several hospital bills from XX/XX/XXXX-XX/XX/XXXX however I don't know where to find the information anymore. I have called the hospital several years ago to fill out the required paperwork to have these bills waived as I was indigent at the time. I was told it was no longer possible and these bills fell off of my credit report after 7 years. I recently received a notice of judgment where there team of BLOOD THIRSTY lawyers SUED me to garnish my wages!
Product: Mortgage

Hello, In XXXX of XXXX I switched from a renter 's insurance policy to homeowners. I reported the change and provided proof of the new policy and the policy number to Dovenmuehle Mortgage ( DMI ). 

In the following month I received notice that I would have lender-placed hazard insurance placed on my property. I then saw my insurance payment on my escrow statement adjust upwards to the amount of my new premium.When I called DMI to ask about this, I was told to IGNORE the notice, as my new insurance had NOW been property recognized, so the lender-placed hazard insurance would be removed, and I would not make any payments towards it. I ignored the notices as instructed. 

In XXXX / XX/XX/XXXX, I became aware that DMI was nonetheless charging me for supplemental hazard insurance at an annual cost of {$5800.00}, and adjusting my escrow payments accordingly. I called on XX/XX/XXXX, and once AGAIN sent in my new policy. I was AGAIN assured that my new homeowner 's policy was comprehensive, that the hazard insurance would be taken off, and that no payments reflective of the hazard insurance had been made or would be made. 

A few days later I received a notice of cancellation for the hazard insurance as expected ( attached ). I hoped that would be the end of it. 

However, on my most recent escrow statement, dated XX/XX/XXXX and received by me on XX/XX/XXXX, I see that NEW hazard insurance has been placed, this time at an annual cost of $ {$2400.00}. See most recent escrow statement, attached. 

This means that, not only were the assurances of getting this redundant insurance issue fixed not kept, DMI placed NEW hazard insurance on my property AFTER the XX/XX/XXXX cancellation of the prior lender-placed insurance, without federally required notice to me. 

The amount of the new lender-placed insurance appears to be drawn from an outdated personal homeowner 's insurance policy, indicating that this may be a clerical mix up. The fact remains that my escrow statement shows a charge for lender-placed insurance I was not informed of, and my auto-draft payments will now be including monies for this purpose. 

I have once again attempted to resolve with DMI. They once again have AGREED that my own homeowner 's insurance policy is sufficient for their requirements and I DO NOT require any additional insurance. However, I am still waiting for them to have all lender-placed insurance charges removed from my escrow, have a new escrow statement calculated, and have this matter resolved as it should have been when I provided my new policy in XX/XX/XXXX.
Product: Mortgage

I inherited through the family trust my parents home XX/XX/XXXX. The home was set up on a bill pay for the {$2500.00} monthly payment. I attempted to communicate with the bank but was denied exchange of pertinent information due to no identifying docs on file with the bank. The property subsequently lapsed into several months of missed payments.A XXXX letter dated XX/XX/XXXX acknowledges that a XXXX forebarance was in place. On XXXX of XXXX XXXX offered a XXXX XXXX to begin a trial period on XX/XX/XXXX, with a reduced trial payment for 3 months at {$2100.00}. I have paid every payment since XX/XX/XXXX on time to date a total of XXXX payments. I've provided XXXX Loss Mitigation with all title, Quit Claim and Trust documents. I've provided a copy of the XXXX XXXX for my parent and proof of rights of ownership.Having performed all instructions for this Loan Modification extended by XXXX it is difficult to understand why they aren't standing by their offering and document. XXXX has since incenuated they have the right to discard the offering of this XXXX XXXX and expect me to enter into a XXXX XXXX and their subsequent offering. It is my position that I have performed what can be deemed beyond reasonable for this situation and I should be granted the promise of the permanent XXXX XXXX according to the expectation set forth in the XX/XX/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These companies national business factor and XXXX XXXX XXXX XXXX XXXX & XXXX  spring oak capital llc, Is Reporting fraudulent Inaccurate Information on my credit report I have requested that they provide the purchase agreement To show Ownership of such account and other documents So I may review to see if this account actually belongs to me
Product: Debt collection

I did not receive a notice to dispute letter. I am unaware of this accountdebt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card issuer, XXXX XXXX, reported an update to my account on XXXX. Transunion is stating that they don't have any updates to my account, thus continuing to report an incorrect amount an Utilization on my credit report. Additionally, XXXX XXXX requested that a collection be deleted from my account, because it was paid in full 31 days ago. Transunion did not acknowledge my claim and that collection remains on my report. I chatted with Transunion via their site, and was told to submit a dispute. When I tried, the Transunion site would not allow me to submit an online dispute. Additionally I was not able to access my report for the past week and a half. I was told two days ago that my account needed maintenance. I was finally able to view the report today, XXXX. There was no reason give for the denied access. I also paid to view my XXXX score only on the Transunion site, however, I have not been able to gain access to it. Transunion continues to have me agree to a monthly service in order to view my score.
Product: Debt collection

XXXX-Debt collection letter with offer to settle received for XXXX XXXX XXXX. Letter states must submit payment by XX/XX/2021. Letter failed to validate the debt by including the following sections. 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


3/19/2021-Representative from Harris & Zide stated I had to pay or the settlement would be void. Asked for an updated letter by fax, however they did not send it. 

After further review I believe the debt has exceeded the 4 year statute of limitations in the state of California. This debt collector was attempting to gain contact information for my wife who was not married to me at the time that this debt was obtained. I believe they are violating the FAIR DEBT COLLECTION PRACTICES ACT.