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

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

US DEPT EDXXXX US DEPT ED -XXXX U S DEPT OF ED/XXXX US DEPT OF ED XXXX also the next inquiries XXXX XXXX XXXXXX/XX/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: Credit reporting or other personal consumer reports

on XX/XX/XXXXXXXX XXXX XXXX I requested that transuion provide me with the method the used in validating the accounts listed in the attachment and they had 5 days according to the FRCA to provide those responses and they never responded. its been more than a month and still no response.
Product: Vehicle loan or lease

In  XXXX   XXXX  the finance company on my car  Prestige Financial i n Utah offered me a special offer of  XXXX , my normal payment is  XXXX . I agreed to take the lower payment. When my banking account was charged it was overcharged in the amount of  XXXX . I called Prestige immediately to resolve the issue which they flat out refused to credit my account for their mistake. I called my bank and reported it as fraud. I have prove via e-mail on the offer. Ever since then my account has not been accurate. They have been applying my payments for  XXXX  to the payment in  XXXX . They claim I missed  XXXX  's payment. Every time I call I get some rude person on the phone or my account  manager   XXXX   XXXX  refuses to speak with me or go over my account or billing. She only responds via email. For  XXXX  and  XXXX   XXXX  my account manager decides to do a deferment on my account, with my next payment not due till  XXXX . I did n't really want the deferment as I wanted to make my payments as usual. The company has my car repossessed on  XXXX . Now I 'm trying to get my car back but again it 's the complete run around and they do n't even have my billing correct. Every time it 's a different amount that I somehow owe. This lender is the worst. They are saying I owe currently  XXXX . This includes my payment not due till  XXXX  which again today is  XXXX . Minus the  XXXX  payment of  XXXX  that leaves  XXXX  they are saying I owe for  XXXX . I have an e-mail clearly stating that from the last payment I made of  XXXX  in  XXXX  that  XXXX  of that  XXXX  cleared  XXXX  and I now had a credit on my account of  XXXX  dollars. None of their billing ever makes sense and the account  manager  never is accurate with her figures. If she ca n't calculate math she needs to find a new profession.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for transactions or experiences to be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Bank account or service

Purchased a home in 2008. 4 months later I found out it had XXXX drywall installed after Hurricane XXXX. ( If you are not familiar with this, google it and you will find a wealth if information on the matter ). It destroys your home if not removed. Renovation usually run close to XXXX or XXXX % of the cost of the home. Not covered under home warranty nor Insurance. Breaks down your appliances one by one, A/C, Heat, frig., TV, computers, electrical wiring, plumbing. Went to bank, they were so nice to put me in disaster relief program, Forbearance. Did n't have to pay mortgage for three year. Drywall class action suit was coming close to settling. XXXX tells Bank ( Chase ) enough, and kicks me out of Forbearance and say I own {$94000.00}. In back payment. I do n't have $ XXXX and was denied in suite . So they foreclosed on me. I asked for refinancing, bank put me through paperwork hell then, they said they could not loan money on tainted drywall house and proceeded with foreclosure. 4 months ago I got a letter saying " Congratulations " I 've been approved for a refinance loan. No paperwork was needed. Done deal except the $ XXXX and a whole lot of other charges were added to the end of my loan. Before this happened I owed $ XXXX now I owe $ XXXX. ( I purchased house for $ XXXX ) I think something sneaky is going on. Forbearance people said in some cases, they forgive the outstanding back pay due to hardship, I did n't win the lawsuit. XXXX cases settled last month, XXXX did n't, I was XXXX of the XXXX, the type of drywall I have, the XXXX company will not comply with US judge ruling. Bank stated that absolutely could not refinance on this house and the they turn around and do it. I of course jumped on it because I love my home and would do anything to keep it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my EXPERIAN credit profile I noticed several credit inquires being reported that I did not authorize, nor do I recognize. The credit inquires that I am referring to are as listed along with the dates : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I wrote the 3 credit bureaus and notified them the judgement had been satisfied and attached documentation as proof. The only one to not remove it was Experian. Now I am delayed on a mortgage and rates are going up!!
Product: Mortgage

My loan was with SLS Loan Number XXXX, and I had applied for a modification earlier this year and it was denied. I did Appeal the decision and they gave me Deed-in-Lieu approval which I did not want since I do want to keep our home.

I reapplied, during our review my loan was transferred to Shellpoint, Loan Number XXXX, and it was denied again, XX/XX/2024 for exceeding 25 % of our payment per conversation with Rep. & I did request the denial letter but never received via fax/email nor mail. So I did call again on XX/XX/2024 and this time the Rep told me that it was denied due to the sale date being put on, which I had just found out about for XX/XX/2024. 

Now I am confused since they are 2 different reasons and this new company did not even look at the file for review. And I still have not received any denial letter. 

I have sent in documents on XX/XX/2024 to open the review and to hold the sale date. I believe my income is enough and we can make the payments but we need help here, please
Product: Credit card

I have disputed a late payment with comenity bank/express however they have failed to conduct a proper investigate into this inaccuracy, which is negatively effecting my consumer report
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a loan modification contract with Rushmore Loan Management on XX/XX/XXXX after making regular trail payments since XX/XX/XXXX. 
All the trials payment were on time and still the organization marked me late since there was clause in the contract. 
However after signing the official contract that became effective immediately Rushmore Loan Management still marked me late for XXXX and XXXX even though payments were made on time. 
This illegal and overly punitive for no reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second attempt to remove this account, this is not my account. I'm an identity theft victim.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this
Product: Debt collection

I haven't lived at this address nor used this service in years this is a ongoing issue with other utilities companies
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO I REALLY NEED ATTENTION ON THIS CASE MY NAME IS XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of XXXX years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which I have previously attempted to resolve through your dispute process without success. These unresolved inaccuracies continue to harm my financial well-being and creditworthiness. I am deeply concerned that these issues align with the systemic problems highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian regarding its credit reporting practices. 

The specific accounts and inaccuracies I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX  XXXX -- incorrect balance, payment history, and status. 

XXXX. XXXX XXXX / XXXX &. XXXX - - incorrect balance, payment history, and status. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX -- -incorrect balance, payment history, and status XXXX. XXXX XXXX XXXX XXXX. & XXXX -- -incorrect balance, payment history, and status XXXX. XXXX \ XXXX. & XXXX -- - accounts are charged off, incorrect balance, and payment history XXXX XXXX XXXX XXXX -- - account is paid off and still on my record XXXX. XXXX XXXX \ XXXX. &. XXXX -- -incorrect balance, payment history, and status XXXX. XXXX XXXX. \ XXXX -- account is paid off an still on my record XXXX. XXXX XXXX XXXX -- -account paid in settlement and still on my report negatively Everything on my credit report is inaccurate, paid-off closed accounts are still on my record. I have attached my report to the files. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputes and correct or delete any information that can not be verified as accurate. To support my dispute, I have enclosed the following documentation : - proof of payment, correspondence with creditors, credit report. ] Additionally, I request that you provide me with the following : 1. A detailed description of the steps taken during your investigation.

2. The names and contact information of any entities that verified the disputed information.

3. Copies of any documentation relied upon in verifying the information. 

I expect these inaccuracies to be corrected or removed promptly in accordance with the FCRA. If you fail to comply, I am prepared to escalate this matter, including filing a complaint with the CFPB or pursuing legal action, as permitted by law. 

Please confirm receipt of this dispute letter and provide a resolution in writing within 30 days of receiving this correspondence. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at the information listed above. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I did a title pawn with Title Max the end of 2021 I been paying them for over a year the interest is {$320.00} a month I only pawn my title for {$2500.00} with the interest they charge me I know I have pay the {$2500.00} back but they are still holding my title saying in order for the interest to go down i got ta pay over the interest rate that is crazy because the lady did not say that when I pawn my title I been getting played in my interest is still the same I really need yall help before I lose my car
Product: Credit reporting or other personal consumer reports

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Product: Mortgage

Hello, I have a VA loan and my mortgage servicer is BSI Financial. BSI denied my application for mortgage assistance in XXXX without first requesting authorization from the VA Loan Technician assigned to my loan. I appealed the denial. My Loss Mitigation representative XXXX XXXX avoided all emails, texts, phone calls and voice messages for nearly a year and this has cause my loan to fall so far behind and into foreclosure twice. The VA loan technician authorized relief for the loan. Despite VA authorization, BSI did not award assistance and the mortgage was accelerated and a foreclosure sale date was set for XX/XX/2022. I managed to have her supervisor XXXX XXXX pull the sale because my single point of contact ( SPOC ) XXXX XXXX had been non-responsive for months concerning the application, appeal, and VA Loan Technician authorization. Despite the sale being pulled, I had no further contact with BSI to pursue another application for mortgage assistance. I continued to contact my BSI XXXX to pursue mortgage assistance and had no response regarding the loan modification denial appeal letter I sent. XX/XX/2022, I received a call with ( BSI Financial appearing on the caller ID ) informing me I had been approved for a loan modification and to make payments. I have now learned I was targeted by scammers and they have defrauded me out of 5 monthly payments of {$1700.00} each totaling {$8800.00}. I filed a police report and traced the postal money orders. I believe BSI had a data breach and did not tell me about it or may be complicit in the fraud. Five days after paying the scammer the last payment on XX/XX/2022 my ( XXXX ) finally reaches out to me on XX/XX/2022 after not having any communication with her for a year asks me what did I want to do with the house and had no clue as to where we last left off with my loan. I learned via Attorney XXXX XXXX that my house was again set for foreclosure in XX/XX/2022. I had no clue and my ( SPOC ) didn't inform me about the sale. A buyer walked into my yard and he stated that my house was listed on the website for foreclosure XX/XX/2022. No one informed me. The sale was pulled after a conference call was made with a nonprofit law firm/VA representative and BSI concerning the payments I had made, learning the payments were not received by BSI, and inquiring about late responses to a request for information the non-profit law firm prepared for me to send so that I could learn what had been done on my application since I had not received anything in writing. I applied for mortgage assistance last week and no decision has been made. I would like to sue for servicing error for delay and mortgage assistance that was denied before the escalation in interest rates which has doubled since I first applied after BSI failure to contact the VA and VA approval of assistance.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine is estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exists. 

WE HAVE ATTEMPTED TO CONTACT THEM ; HOWEVER, THEY CONTINUE TO REPORT THE FRAUDULENT ACCOUNT WE HAVE FILLED OUT AN IDENTITY THEFT REPORT AND A CFPB REPORT. WHICH THEY HAVE IGNORED THAT ALONG WITH XXXX XXXX OF THEIR SUPERVISORS. MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX XXXX B ) XXXX XXXX A ) XXXX XXXX ) ( A ) AND FCRA U.S.C XXXX. REMOVE IMMEDIATELY AS THIS IS A VIOLATION TO THE FAIR CREDIT REPORTING ACT!!!!
Product: Money transfer, virtual currency, or money service

XXXX XXXX bitcoin and several XXXX XXXX tokens from XXXX stolen threw identity fraud and changing of phone # and password on coin base and being cashed inn currently Coinbase account attached to XXXX and attached to phone number XXXX and account belonging to XXXX XXXX ss XXXX dob XXXX. Phone number on account switch to phone number ending in XXXX and password changed also also phone number was also changed on XXXX account link to Coinbase account. Also change the XXXX some of blocks on blocks on block chain in question XXXX will be linked to account in some way
Product: Debt collection

Under 15 U.S. Code 1692g ( b ) If a debt collector can not validate the debt within 30 days of your dispute, they are required to stop all collection activity, and the account must be removed from your credit report.

Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If the information on your credit report can not be verified, it must be deleted. Credit bureaus can not legally report unverifiable accounts.

Under 15 U.S. Code 1692e ( 8 ) Debt collectors are prohibited from reporting false or misleading information about a debt. Any inaccuracies must be corrected or removed immediately. 

I have no more patience waiting for these companies to fraudulently & illegally try to obtain anything anymore.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove from my credit report.