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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have SPEC LOAN SV. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
SPEC LOAN SV XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX / XXXX / {$2900.00} XXXX XXXXXXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I visited XXXX XXXX to inquire about purchasing a vehicle. The financial officer was given consent to find a suitable auto loan company to finance the vehicle I chose. I agreed to have my loan serviced by XXXX XXXX. Afterwards, I asked the financial advisor to discontinue the loan search. Unfortunately, without my consent XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX made hard inquiries against my credit in XX/XX/2021, which is 3 months after I had my loan with XXXX XXXXI have sent letters to each of the above mentioned loan providers. I have asked for the signed letter where I allegedly gave them authorization to pull my credit in XX/XX/2021. All of them have refused to provide me such a letter. In addition I contacted Experian, XXXX, and XXXX. All three of these credit reporting agencies have refused to remove the hard inquiries after I made phone calls and submitted written requests to remove the hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXXX/XX/XXXXXXXXXXXXXXXXXXXXXXXX,OhioXXXX[XXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX,mdXXXXXXXX:Disputingerror[s]oncreditreportDearXXXXXXXXXXXXIamwritingtorequestacorrectionofthefollowinginformationthatappearsonmy[XXXX,Experian,XXXX]consumerreport:Dispute1[Theseareexamples.Picktheonesthatapplytoyourcreditreport.]AccountNumberorotherinformationtoidentifyaccount:[XXXXXXXXXXXX,reportedbalance{$1100.00}]Datesassociatedwithitembeingdisputed:[XXXXXXXX(3years,9months]Explanationofitembeingdisputed:[Insertadetailedexplanationofwhytheinformationisinaccurate.Chooseoneofthechoicesbelowifitfits,oraddyourowndescription.]ThereportshowsIcurrentlyowemoneytoyourcompanythatisnotaccurate.IstopedstopedusingXXXXinXX/XX/XXXXasIdidn'thaveanycontractatatime,asIalsowastravellingtravellingXXXXtostaywithmyforawhileIstayedtherefor3yearsbeforeIreturnedbackinthestates.

Thankyouforyourassistance.

Sincerely,XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment that is incorrect. I contacted them and notified them I had paid the payment on time in the store.
Product: Checking or savings account

Bank of the West clearly has no fraud prevention in place. My account was scammed with the same {$19.00} ( {$19.00} for the last one ) charge to XXXX XXXX or something 9 times. This resulted in my account being overdrawn, and they have charged me crazy fees for this. They also charged me a fee for check being cleared and then put on hold by them, even though they sent letter saying they wouldn't. After speaking to them, they did not reverse the charges or remove the fee! I'm out hundreds of dollars from the theft and the fee for the theft causing an overdraft fee. The only different event I used my card for was the ATM at bank of the west. Now I can't put gas in my car, buy food, nothing until my next check as they allowed me to be robbed and then robbed me with fee!
Product: Mortgage

Ive requested information on how to remove my PMI many times. Via phone XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX they said they will send the information no later than XXXX hrs. When I did not receive the information I called back and they said they will send it again in the same time frame. I still have not receive the information Loan provider said they will email the information and never did. They asked to confirmed the correct email and it was the correct email. 

The document provided is from there website to request information on removing the PMI. I have clicked it multiple times this year but have not received any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit card

Navy Federal closed my credit card account with no notice. When I called in and inquired about the nature of the closure, they were unable to provide a specific reason why my account was closed. They continue to charge me fees almost equal to my monthly payment making it impossible to pay down balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know why is equifax sending my credit information to previous addresses I received a notification through the us postal services showing the same mail I got at my current address the same day? Please see attached. Procedures like this is what exposes people information to the wrong people. My creditors had already updated my new address and I called you to update it. Why send my information to other addresses? This leads me to believe that even the addresses that keeps popping up on my credit file is going to other addresses and I was told I had a mixed file or something and often when I call they have to keep updating my name. Last year had to update my birthday. How does that come off my file? know nothing about are u sending my info to them too? Once again Im gon na fax you my personal identification, Social Security card, and current utility bill etc. Im very upset about this. This totally unacceptable! Your helping the identity thiefs by doing this practice! On XX/XX/2020 At approximately XXXX XXXX XXXX XXXX  I called experian and spoke to a XXXX in the fraud disputes department in regards to the blocking of those frauds accounts and she said she could only dispute it. So I asked to speak to supervisor which his name was XXXX and explained everything and told him I received a response back from my complaint about the accounts supposed to be blocked from the FTC report and he said basically that he knew nothing about it and was some what rude.i called transunion and same thing the super visor there told me he can not block without permission. I feel its best in situations like this is to just get an attorney and sue. Who has the time to just go back and forth like this. My heart goes out to all the victims as myself who have to go through all this and I see why Equifax had a data breach! With what I see how your handling my information theres gon na be another XXXX real soon!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ).

I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

Good evening, I trust this communication finds you in good health. I am writing to request your urgent assistance concerning my mortgage and the recently filed notice of default. My forbearance plan, active until XX/XX/XXXX, has concluded. Despite consistent communication with and adherence to the lenders instructions, I was subsequently placed on a trial payment plan with a XX/XX/XXXX deadline. I confirmed the plans terms, understanding that timely payments for XXXX, XXXX, and XXXX ( by the end of each month ) would resolve the matter. 

I consistently communicated to each agent my circumstances and my ability to make payments after XXXX, coinciding with my end-of-month payroll. This information was conveyed at the start of every call. However, I experienced misleading and incomplete information regarding policies, timelines, and procedures crucial for successful loan management, information readily available only to company representatives. Simplified instructions, easily accessible to representatives based on their experience handling similar situations, would have significantly aided me during my XXXX XXXX treatment. 

Since XX/XX/XXXX, I have been in forbearance while receiving treatment for XXXX XXXX. Maintaining consistent monthly contact with my lender, I was unexpectedly placed on a three-month trial payment plan following the forbearance period. However, prior to the forbearances conclusion, the lender filed a notice of default with my county and reported this to credit agencies, leading to persistent collection agency calls.

Despite full compliance with all lender stipulations, I have not received the expected reciprocal action. I require immediate assistance, including legal counsel from an attorney who does not accept XXXX, given my severely limited financial resources and inability to pay upfront fees ; however, minimal collateral is available. 

Furthermore, as a California domestic violence survivor, I seek clarification on my rights concerning foreclosure and eviction, complicated by a health condition that significantly impairs my ability to manage these legal issues independently. Therefore, I require comprehensive guidance and support in organizing this matter.

I have compiled essential documentation to contest this foreclosure and safeguard my continued residency.

Please contact me promptly to discuss our strategic approach. Losing my home would necessitate a return to a dangerous environment where my abuser resides, despite ongoing divorce proceedings and a five-year-old protective order issued by the District Attorney.

Thank you for your time and consideration. I am determined to challenge this unjust action and require your professional guidance and support. 

Sincerely, XXXX XXXX
Product: Debt collection

For the last year I have been back and forth with the credit reporting agencies about a collection agency called The Bureaus,  whose account have been reporting on my credit report. This account does not below to me. The credit bureaus keep responding stating that I should contact The Bureaus because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with The Bureaus which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the accounts are reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX INQUIRY XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Debt collection

Ruining my credit score! Received a letter in the mail from contract callers stating they are collecting on an account I'm not aware of. I contacted contract callers and spoke with supervisor XXXX XXXX out of XXXX office and he stated that their contract with this company they are collecting for has changed and they are not supposed to be reporting on my credit and they are working on removing all reported accounts by contract callers from thousand of people reports. He ensured me that it will go away as this is not allowed by them anymore. Also they reported to my credit that this is 5 months past due with their company when this is the first letter I received. They also did not give my time to respond before they slammed it on my report. To my surprise two days later they reported to another bureau and lowered that score as well. I want this removed from my credit file as stated by XXXX XXXX on his recorded line. Also they are reporting under two different names. One report says contract callers and the other say XXXX. This to me seems like fraud!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14.00}
Product: Debt collection

As stated previously in a feedback this lender cant validate I own the debt. They are using a third party to report a fraudulent debt I demand to see valid proof of this debt or stop reporting immediately.
Product: Debt collection

The response was not accurate. LVNV did not respond with the validation of said debts by only sending a non accurate statement and some bills none of which contains my signature. There is no method of verification in this report according to the FCRA GUIDELINES. They failed to show ownership of the debts mentioned.