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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

In XXXX, I purchased a property on a " stated income '' basis. I was making approximately {$XXXX} per hour, plus XXXX, at a XXXX. I was given an 80/20 split of the mortgage. the loan that represents 20 % is a 12.5 % interest rate. I do not recall ( and neither does my attorney ) ever discussing an interest rate of 12.5 %. The loan that represents the 80 % was an interest only loan which was modified 5 years ago and that modification will expire next month. During the last 10 years, I have maintained a good standing with both lenders, never missed a payment, never paid them late. I contacted both groups and requested a refinance. I was told that they are unable to do so because I am not eligible for HARP due to the fact that neither loan is XXXX or XXXX. I spoke with every department that they would let me speak with in an attempt to come up with a plan to create a more reasonable loan. They refused. 
This has not been my primary residence since approximately end of XXXX. As a result, I have had a number of different tenants in there from time to time. 
In XXXX when the modification expires, the loan that represents 80 % will nearly double. The rent that is collected barely covers the mortgage payments as they are. I am not financial equipped to make the difference in payments for the remaining years of the loan. 
I do not want to be a statistic and allow this property to go into foreclosure or short-sale. However, the bank has not agreed to work with me in any way with the exception of a modification again, which will only prolong the inevitable. 
I have also contacted other lenders, private investors, Homevestors, etc. with no success. 
I am hoping that CFPB is able to assist in some way.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Sent past disputes in over 60 days ago and nothing was changed. The accounts are not accurate and not verified and must be deleted immediately from my consumer report. The consumer reporting agency did not do a proper investigation on these accounts. They did not provide me what i asked for or required in the disputes and are still reporting these accounts. I DEMAND UNDER THE FCRA THAT THESE ACCOUNTS LISTED IN THE RESOLUTION BOX, BE BLOCKED AND DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Was contacted by via mail on XX/XX/XXXX regarding items on credit report that were not correct and needed to be verified. Letter was sent cerified mail and noterized. Items requested were not removed nor verified correctly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, All stated updated or verified I recieved letters in the mail for XXXX XXXXXXXX XXXX but the letters did not show how were verifed. Nothing was removed at that time. 
On XX/XX/XXXX second letter was sent cerfied mailed requesting to sent to experian to verify how the verified my items on my report, Report XXXX was opened XXXX XXXX XXXX SERV {$1000.00} just was updated, XXXX XXXX XXXX {$650.00} stating verified and updated, XXXX XXXXXXXX XXXX {$440.00} stating updated, XXXX XXXX XXXX {$1100.00} stating updated, XXXX XXXXXXXX XXXX {$5600.00} stating updated. I did not receive letter from experian back stating how they verifed the information nor by whom verified the information, All that was receied were XXXX XXXX XXXX copy of bills, XXXX XXXX XXXX XXXX  ledger of account, XXXX XXXXXXXX XXXX XXXX of account nothing showing how this information was verified nor how it belonged to me. 

XX/XX/XXXX report XXXX third letter was received that was sent by me requesting the information again to show how verified and still not sent how they verified the accounts were verified correctly was opened XXXX XXXX XXXXXXXXXXXX XXXX  {$1000.00} just was updated, XXXX XXXX XXXX {$650.00} stating verified and updated, XXXX XXXXXXXX XXXX {$440.00} stating updated, XXXX XXXXXXXX XXXX {$1100.00} stating updated, XXXX XXXXXXXX XXXX {$5600.00} stating updated. XXXX XXXXXXXX XXXX 

XX/XX/XXXX letter was sent to have correct name and all address and phone removed but current XXXX removed and no names were nor address and phone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Equifax deleted this XXXX XXXXXXXX account ( account number XXXX ) from my credit report and then reinserted it without sending me a five day notice. Under FCRA Dection 611 ( a ) ( 6 ) ( A ) ( i ), any item that has been removed after a dispute and is later reinserted must be accompanied by a certification of accuracy from the information furnished. Please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX 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 of 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

Hey XXXXt ; Transunion ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
Product: Checking or savings account

For 2 or 3 months ive been trying to get my money from my venmo acct. They said ot was frozen bc negative balance now ive verified my identity and still they are refusing. I put. The money in there and i need it bc my husband jus passed away and times are hard. Ripping ppl off isnt right.
Product: Checking or savings account

Was notified via email that my savings and checking were below my trigger balance. Checked accounts and they were put on holds with XXXX balance available to me. Called bank, they told me I had the same name as a deceased person. Took until late morning the following day, XXXX long phone calls from me, missed work, and much stress until they resolved their mistake. This happened on XX/XX/24. On XX/XX/24, I checked my on line accounts ( was payday ) and was denied access. Called Bank of America again, was related to same case, they got the death certificate and were closing my accounts. Hours of phone time and more stress, no real answer as to how it happened again. Had to re open my accounts. Asked to speak with a manager. Was on hold most of an hour and XXXX minute call only to be told they would call back in 1 to 2 business days. No call ever came. The issue was resolved again but no answers or the common curtesy of management call. So I called them. After another XXXX minutes of person stalling with me on the phone, I gave up on speaking with management.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX
Product: Debt collection

Subject : Dispute of Unauthorized Access and Disclosure of Personal Information Dear Authorities, I am writing to dispute the inclusion of a collection account from XXXX XXXX on my credit report, as I believe my personal information was obtained without my consent and in violation of applicable laws. I demand an investigation into this unauthorized access and disclosure of my personal data.

Account Information : Account NumberXXXX Creditor 's Name : XXXX XXXX Service Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX License Number : Reported Balance : {$700.00} Date Open : XX/XX/XXXX Date Reported : XX/XX/XXXX Dispute Reason : It has come to my attention that XXXX XXXX XXXX accessed and used my personal information without my authorization, potentially violating the following laws and regulations : Relevant Statutes and Legal Basis for Dispute 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b - Under this section, consumer reporting agencies and other entities can only access a consumer 's credit report or personal information for permissible purposes and with legally valid authorization. I did not authorize XXXX XXXX XXXX to access my information, nor did I have any prior relationship with them that would validate such access under the FCRA.

2. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 - This act requires companies to protect the privacy of consumer information and prohibits the unauthorized sharing of this information with third parties. I believe that my information may have been improperly disclosed to XXXX XXXX XXXX in violation of GLBA protections.

3. State Privacy Laws- Depending on your state, privacy laws may impose additional restrictions on how companies can access and use personal information. If you are in a state with strong consumer protection or privacy statutes ( e.g., California 's Consumer Privacy Act ), this is also relevant to your complaint.

4. Penalties for Unauthorized Access - Violations of the FCRA and GLBA, as well as certain state privacy laws, can result in criminal and civil penalties. Unauthorized access and disclosure of my information without proper authorization may subject the disclosing entity and XXXX XXXX XXXX to these penalties. 

Request for Action and Criminal Charges : I formally request that : - XXXX XXXX XXXX be investigated for unauthorized access and use of my information.

- Criminal charges be pursued, if applicable, against the party that improperly shared my information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX itself for accessing my information without my explicit authorization.

Please consider this letter as a formal dispute and request for removal of the XXXX XXXX XXXX account from my credit report. Additionally, I expect to be informed of the steps being taken to investigate and correct this serious violation.

Thank you for your prompt attention to this matter. Please provide written confirmation of receipt of this dispute, and a timeline for your response and investigation into this incident. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally express my concern and frustration regarding the handling of recent charges to my account, which resulted in overdraft fees and a significant negative balance. Despite having insufficient funds, my account was allowed to go negative due to charges from XXXX that were not rejected. Instead, these charges were processed against my debit card, pushing my account into overdraft and incurring substantial fees. 

I am currently experiencing financial hardship, making it extremely challenging to bring my account back to a positive balance. I expected XXXX XXXX systems to safeguard my account from going into the negative by rejecting charges when there are insufficient funds available. Allowing these transactions to go through not only led to fees but also put me in a difficult financial position that could have been avoided. 

I kindly request that Wells Fargo reverse these overdraft charges and review its practices to ensure that similar situations are prevented in the future. Your assistance in resolving this matter is crucial as I work to manage my financial obligations. 

Thank you for your attention to this matter. I look forward to a prompt response.
Product: Debt collection

Notice for Proof of Claim Account : ENHANCED RECOVERY # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment  of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an  attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be  assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX no. : XXXX XX/XX/XXXX, 20 09, XXXX filed a limited jurisdiction complaint against me, in XXXX XXXX Superior Court, alleging a single Common Counts cause of action on an open book account in the amount of {$3600.00}. 

I was never properly served with the summons and complaint in this and did not have actual notice of the lawsuit The process server company does not exist, which means the process server name and server # may be false, and the phone number listed for the process server company is registered to XXXX.
Product: Credit reporting or other personal consumer reports

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing several late payments that are reported on my credit report. I do not recall this information and it is negatively affecting my credit score.
Product: Credit reporting

I 'm listed as XXXX XXXX with a XXXX Colorado address. 
1 ) I 'm not XXXX XXXX and not only have I never had a Colorado address I 've never been in the state of Colorado.
Product: Credit reporting or other personal consumer reports

Over the last XXXX  years I have had to protect my personal information due to my compromised/stolen information and continued efforts to open lines of credit, obtain goods and services all using my stolen personal information. 

On or around XX/XX/year> I discovered during a recent attempt to purchase a vehicle several accounts and portnetional additional accounts attempted to be be opened using my personal information. With the help of law enforcement they were able to determine eacha ccount that was opened fradulantly using stolen information. Based on the information provided and witht he assistance of law enforcement I was instructed to file a formal complaint with law enforcement along with otaining an affidavidt of forgery due to identy theft a Ca. Penal Code Violation 530.5 ( a ).

In addition to law enforcements findings I was given a set of instruction including but not limited to sending all supporting documentation to all three credit bureaus for immedate " Blocking '' of the identity theft cases. On or around XX/XX/XXXX Experian received the packet outlining the identity theft entries. During the review process Experian failed to " Block '' one account which was verified by law enforcmeent as being opened on the internet with XXXX payments made. In addition they varified signatures and marked this account listed in exhibit A a identy theft. In addition there were several inquires and past addresses that have not been updated despite being outlined by law enforcement as fraud.
Product: Money transfer, virtual currency, or money service

XXXX  on XXXX XXXX money was taken out when I did not approve of it I notified them by via chat multiple times and nothing happened. 
XXXX I could not return money that I have sent out to the wrong person off of Zelle
Product: Credit reporting or other personal consumer reports

I reported to Experian to fixn negative information in my credit file pertaining ing to a XXXX XXXX discharge that is inaccurate and as of XX/XX/2024, the negative information is still showing in my credit file. This is driving my credit score down and is causing me to receive higher the normal interest rates when I apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent identity theft and unauthorized charges reports many times. And they refuse to remove fraudulent accounts from my report. I've asked for proof and activity. They refuse to provide. I've asked them to block certain bussiness. They refused. They refuse fraud alert and freeze for my report. They have completely blocked my on line account for me to access.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see incorrect accounts on my credit report, and I have no clue how they got there. I checked my report as part of my usual routine, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors persisted. Because of this, I am requesting a thorough review of the documents Ive sent so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.