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

On XX/XX/19, I sent a follow up letter to Equifax requesting they re-investigate the verification of a collections account with the company : XXXX/XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or XXXX verification would not be accepted. Equifax did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. 

Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 if 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

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with Equifax, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXX XXXX who referred me back to Equifax and XXXX to resolve. When I called Equifax and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both equifax and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and Equifax, who again failed to resolve the issue. These are just two of many examples of errors Equifax and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or Equifax.
Product: Mortgage

During Covid which started XX/XX/2020 I signed up for forbearance and was accepted and than 3 months later in XXXX I had to reapply and thats weee the trouble began because than they needed all this proof that my mother passed away and left everything to me her only child, and they just really gave me a hard time, I have Mr. Cooper for my mortgage company, it took them probably around 2 months to finally extend my forbearance and during that time I was getting phone calls everyday from Mr , Cooper about needed to make a payment, and now that I try once again to extend my forbearance or either to do a loan modification its an issue again, I really feel as they just want to take my home from me because they will not help me with anything
Product: Debt collection

XXXX XXXX XXXX XXXX {$150.00} Ammericollect : {$100.00} {$68.00} ; {$100.00} ; {$53.00} I sent a letter to the collection agencies XX/XX/2019, requesting for the debt to be validated, as well as reminding them of the HIPAA law, advising my permission was never given to the Healthcare providers to release my information to a third party. The debt was NEVER validated, nor was a response provided within 45 days provided by FCRA guidelines, that was outlined in the letter as well. XX/XX/2019, I sent a letter to all 3 major credit bureaus, XXXX, XXXX, XXXX disputing the accounts, providing attachment sent to collection agencies, also asking for proper investigation and proof of verification and what company verified it. XXXX investigated and removed the accounts. XXXX  and XXXX advised accounts being verified without any additional information on who verified it or how. I am aware of the Freedom of Information Act, which isn't being upheld from Credit Bureaus, nor collection agencies. Please REMOVE accounts!
Product: Mortgage

I attempted to work with Fay Servicing for months to modify my mortgage because I had fallen behind. They scheduled foreclosure several times and I was able to have it postponed/ cancelled because I filed an injunction with the court and I also filed bankruptcy. The reasoning behind these two actions was to allow more time to work with Fay and obtain a loan modification. Fay is an extremely unprofessional and unethical business. They led me to believe they were working in my favor by asking for updated information in order to process a modification ( check stubs, bank statements, tax returns ). There was a foreclosure scheduled for XX/XX/XXXX and it was still held, even though they said they were working on a modification. I did some research on Fay Servicing and this is some information I found that applies to my situation. This is the webpage : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-takes-action-against-fay-servicing-failing-provide-mortgage-borrowers-protections-against-foreclosure/ - Consumer Financial Protection Bureau Takes Action Against Fay Servicing for Failing to Provide Mortgage Borrowers with Protections Against Foreclosure XXXX Fay Servicing to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices- Kept borrowers in the dark about critical information about applying for foreclosure relief - Illegally launched or moved forward with foreclosure process against borrowers who were applying for help - Offer borrowers opportunities to pursue foreclosure relief - Stop illegal practices and comply with mortgage servicing rules A copy of the consent order entered today is available at XXXX : XXXX Also, there was no legal notification in the newspaper for the XX/XX/XXXX foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the continued presence of fraudulent items on my account despite previous attempts to address and rectify this issue. 

Despite assurances and promises of resolution, I regret to inform you that the fraudulent items persist on my account, causing not only financial strain but also significant distress and inconvenience. This failure to rectify the situation in a timely manner reflects poorly on your organization 's commitment to customer satisfaction and undermines the trust I have placed in your services. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my account. I expect a comprehensive response outlining the steps that will be taken to address this matter promptly and effectively. Furthermore, I request assurance that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$1300.00} 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 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 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

My accounts on my profile are all closed except for 1 ( only XXXX XXXX ) I have talked to the companies and nothing is reporting hence the accounts are closed. Unfortunately Credit Karma is reporting inaccurate information letting me know Im current being my accounts are indefinitely closed. And they have been closed for years! I will like Credit Karma to update this because my payment history went down XXXX points when in my fact XXXX shouldnt have lost any points at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts are Fraud, I have no Knowledge of all accounts on this Report no one has any Consent to open any accounts without my Authorization THIS IS FRAUD!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account NameXXXX 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.15 u.s.c 1681 section 602 A. state 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. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Submitted 4 disputes to Equifax ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for a collections account. I was never billed or made aware of the balance by the original creditor ( a previous rental company ) and the balance includes a late fee for rent that was paid on time along with other Miscellaneous charges that are not calculated correctly. I have provided documentation showing this time with each dispute. The disputes ( except XXXX were " completed '' each time between 1 and 12 days without any backup to support why the charges are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my XXXX. I have recognized many fraudulent items opened in my name. The only Navy federal account I had was my Auto Loan with them. 

The Navy Federal Credit Union account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but XXXX has recently reported it as opened. It can not be a charge off and open account.
Product: Vehicle loan or lease

XXXX XXXX XXXX would grant my ownership of my account once issued the proper documents to do so. I've sent multiple negotiable instrument to tender payment none have been honored. Companys director of compliance XXXX XXXX personal insists that I pay CASH for my car note. Even after informing him the I was indeed the HOLDER IN DUE COURSE. An that It is evidence of my having a title of ownership by my receiving statements at my principal residence. Not wanting to hear me out ended the call. I issued a notice to rescission or assent on all promises to perform on this obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

These inquiries are not mines and never gave consent to any at all. XXXX XX/XX/XXXX. XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
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 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 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. 

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my wet signature nor gave State Employees Credit Union written instruction to report information to the credit bureaus.
Product: Debt collection

My mortgage loan was XXXX  to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less XXXX months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX & TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent accounts consist of a personal loan company XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX XXXX Inquired on XX/XX/year>. Also, a fraudulent inquiry of a, auto financing company consist of XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX Inquired on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

Account Name : Unknown Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 if 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

This complaint is regarding account # XXXX '' payment after charge off/collection, purchased by another lender '' which you claim that has verified that account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.This is a formal notice that your claim is disputed. Any automated response or XXXX verification is unacceptable. I requesting a reinvestigation and last chance to provide me method of verification I am requesting validation, made pursuant to the Fair credit reporting act along with the corresponding local state laws.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.