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

I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. XXXX on the other hand. No so receptive. I've made multiple disputes we with XXXX. I had a Mobile home loan opened in XXXX with Navy Federal Credit union. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. XXXX   is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ Navy Federal ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that XXXX contacts him. XXXX is requesting Navy Federal to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call Navy Federal the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
Product: Credit reporting or other personal consumer reports

Pursuant to 12 CFR 1016.1 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 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 ( XXXX ) 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. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to TransUnion, XXXX, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Product: Credit reporting or other personal consumer reports

Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX of California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to Transunion is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were made and attached to my credit file without my consent. I filed multiple disputes over the past months stating that these inquiries were made without my consent and they are acts of fraud. They will not remove the fraudulent inquires. This is causing my family and I great hardship. These are the fraudulent inquiries : Equifax Mortgage XX/XX/22. XXXX XXXX XXXX XX/XX/22 XX/XX/22. XXXX XXXXXX/XX/22. XXXX XX/XX/22 XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against AmeriHome Mortgage regarding their failure to address a dispute letter I mailed to the address listed on my credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, on XX/XX/2023. The letter was returned to me as undeliverable, indicating that AmeriHome Mortgage is not reachable at the provided address. Enclosed with this complaint are copies of the original dispute letter I sent to AmeriHome Mortgage, along with the returned mail envelope, as evidence that this creditor is not furnishing accurate information and that the account can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX   and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MTG Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion validate the bankruptcy this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I was told by the U.S. bankruptcy court that they do not give information to credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX EXPERIAN XXXXXXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX  to report on my credit and they did not receive my written consent. It is reported twice on my credit report for XX/XX/XXXX and XX/XX/XXXX. 

15 USc 6802 A Financial Institution may not XXXX disclose nonpublic personal information to a nonaffiliated third party unless 25 They give you the consumer the opportunity to exercise your right to opt -out Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer
Product: Debt collection

I have been getting harassed by Credence, and when I answer and tell them to stop calling, they hangup. They call me at least 1x daily since XX/XX/2023 from different numbers, but my caller ID shows up the number as " Credence ''. This is harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX inaccurate information reported 30 days late.
Product: Credit card or prepaid card

I originally found an account through Care Credit on my credit report in XX/XX/XXXX. The account had a XXXX balance and I contacted Care Credit right away and made a fraud claim with them over the phone. I never heard anything from them further regarding this account. 
In XX/XX/XXXX I received a Care Credit card in the mail and again contacted them. This time the account had a {$12000.00} balance owed. I again made a fraud claim with them advising them I never opened the account or charged {$12000.00} at a doctors office. The advised this was not the same account as the prior incident and they would investigate. Again I never heard any further from them. 
In XX/XX/XXXX I again receive a Care Credit card in the mail. I call them to see what is going on and they advised they had closed my prior investigation stating they confirmed my identity based on a fake identification shown by the " suspect '' and a " bio-metric '' video again provided by the suspect when she open the card. I was upset to say the least since I was never contacted to assist or provide any additional information. They advised I could mail or fax a copy of my driver license to them, which I did both. I also insisted on email or uploading that information and they said they do not accept documentation that way. 
On XX/XX/XXXX I again contact Care Credit to see what the status of the investigation is. They advised that the investigation was again closed as they were unable to confirm that a police report was taken, they never received my fax or mailed documents and they attempted to contact me and the phone rang busy. I have no idea how any of that could be true. I was again advised to fax or mail my documents. I insisted on an email or load and was again refused. I asked to make a complaint further up and was advised that this employee would make the complaint for me and that the calls are monitored for key words of dissatisfaction and generate their own claims. Refusing to allow me to talk to anyone else. 
With all that said I'm 3-4 months into an ongoing issue with this company who refuses to work with me or accept any of my documentation. 
**I have also been in contact with the doctors office where this charge originated and they advised that after I notified them they cancelled the scheduled procedure with the suspect thus there should have been no charge on my account. I again reached out to them in XX/XX/XXXX and they advised they would contact Care Credit and clear this charge.
Product: Debt collection

Sunrise Credit Service contacted me about the debt. There was a dispute about the debt amount. I handled that dispute on my end by turning in equipment that was being charged for. Sunrise Contacted me with the updated amount of debt. I requested the updated charges and advised them that it was my right to have proof of the updated charges and the new bill. Sunrise XXXX threatened that I needed to pay or they were going to report it to my credit that week. I let them know it was my right the have proof of the debt before then. They said they would request XXXX send the bill. They did not threaten to report to my credit again after that. However, they then proceeded to report the debt to my credit as threatened, even though I had not yet received the bill, proof of the debt, or had the 30 days to dispute the debt if there had been any issues. I did receive the bill in XXXX after the report and have paid the debt. When discussing this with Sunrise Credit they claim that the first initial contact in XXXX was when they sent the initial validation of debt. However when I informed them the debt had been changed and that even if they were going in contact before the debt had been changed later in XXXX, I had 30 days to dispute the debt so they were not supposed to report that to my credit. The manager refused to agree that I had that right and would not agree to take back their report or write a letter saying that the debt was not supposed to be reported. I let him know I would be submitting a report to the CFPB and the manager said he didnt care.
Product: Debt collection

I owe for XXXX XXXX XXXX.For XXXX.thru XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Financed byXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I am behind in payment, but, have submitted a partial payment twice this month.One to reach them on XX/XX/XXXX. 
I am being called at least once a wk.for payment.This morning I stated I would send another payment in XX/XX/XXXX when I receive my Social Security Payment
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report for years and now the data breach shows my info was leaked. I also filed my claim TWICE before the deadline and I received no money from the law suit settlement or a response from Equifax! They owe me at least {$2000.00}!! 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit card or prepaid card

I was notified by XXXX that a transaction was made for {$3400.00} to an merchant unknown by me so I file a fraud claim with the bank, They made a provisional credit to my account after calling the claims department several times and also visiting the bank a few time more about this issue. Then this weekend of XX/XX/2022, I received a letter after a period of about 2 weeks of their investigation that they had decided that I authorized the transaction or approved some else to make the transaction, and so they denied my claim. I am very angry about this as I DID NOT make or authorized this transaction using my ATM card. I further call the bank to cancel that card in question, and they send me another card in about 10 days. I have until XX/XX/2022 when my account will be debited for this amount unless I can get them to investigate this claim further, as it was deemed closed stated in the letter from the bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

During the Covid pandemic I had to put my mortgage payments on a three month forbearance with Wells Fargo. It started XX/XX/XXXX, I chose forbearance with the option of a payment deferral program ; rolling over the outstanding balance to the end of my mortgage term. I made my mortgage payment again on XX/XX/XXXX but, unfortunately come XXXX I ran into financial hardship again and once again opted to forbearance my mortgage for three months. However, come XX/XX/XXXX when I was ready to continue moving forward with my mortgage payments, I was told I could not roll the outstanding balance of {$4300.00} to the end of the mortgage term because payment deferral was only a one-time option. I was not informed by Wells Fargo that the payment deferral program was only a one-time offer. In-fact if I was told that in XXXX, I would have never opted for the second forbearance. I was told that the company who banks the Mortgage Loan to Wells Fargo is XXXX XXXX. I reached out to XXXX XXXX today, XX/XX/XXXX, and I was told by an account specialist that they could not help me or make an exception for me even as I was mislead by Wells Fargo. Wells Fargo told me I could apply for a Mortgage Assistance Modification, which will show on my credit report and is not the option I would have chose. I did apply for the modification because I felt like I have my hands tied, if I can not find a way to make up this outstanding balance my mortgage will show as default even if I continue to make my monthly payment, which I have. In such a time of crisis it is unfortunate that company 's are not doing more to help out the people who are effected by the pandemic.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i see that there are multiples inquiries, incorrect addresses and incorrect employers. I have contacted Transunion before telling them i was a victim of identity theft even sent in a identity theft police report and still nothing have been removed and was constantly told that they don't remove inquiries or addresses. That everything they have is verified but it is clearly not. I have called numerous of times and got told that there was nothing they can do but upon looking into this more they are in violation of many laws. Even after a account was resolve in my favor only thing that was did was a update saying that it couldn't be removed cause the company asked for it to only be updated as paid/closed how is that possible when i sent in the letter along with the police report
Product: Credit reporting or other personal consumer reports

Equifax is still showing a collection account from XXXX XXXX XXXX. This account belongs to another person and I have no responsibility to the payment of this account. I have attached a copy of the account charge off on my Equifax report showing that I was only an authorized user. Accordingly, I request the account to be deleted permanently from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 starting on mid afternoon i received a text message from Bank of America about the suspicious activity on my debit card, then the problem persists until i get a phone call from XXXX ( bank of america ) and this person " was trying to help me out '' ( scammer ) and oriented me to go online and make this all transaction, this person stolen the amount of {$3400.00} from my checking account, goes to XXXX, then he was saying over the phone that this money will be available sooner because duo the investigation the money would be deposit in a new account, that what i say i do not want any other new account with bank of america.
Product: Credit reporting or other personal consumer reports

I have ask numerous times for these changes to all credit bureaus but they refused to make the changes...
Product: Credit card

PLESE CLOSE THIS fraudulent account and send you a letter confirming that : the fraudulent account is not mines im not aren't liable for the account please remove it from my credit report syncb care open on XXXX XXXX theamount is XXXX syncb jc penny open on XX/XX/year>XXXX XXXX XXXX XXXX XXXX this accounts are all fraund i did not open the this accounts