23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was originally set up with XXXX XXXX. It has since been sold multiple times, finally ending up last year with NewRez/Shellpoint. 

My original paperwork shows that my interest rate is adjustable each year with a maximum of 1 % change per year and with a ceiling of 5 % of the initial rate. There is a 2 % margin over the 1Yr-CMT-Weekly index rounded to the nearest .125 %. 

Last year my rate was 4.375 % XXXX : 4.125 % XXXX : 3.125 % XXXX : 2.625 % XXXX : 2.250 % XXXX : 2.125 % This year NewRez/Shellpoint sens me a rate adjustment paper telling me that my rate will be 4.5 % because they have added a 4.5 % floor to my rate. So despite the index going down to 0.16 % they have RAISED my rate, because they have added their own floor to my interest rate that has NEVER been on my loan before.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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

According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out.

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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 or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

XXXX XXXX XXXX # XXXX I was forced to buy an extended warranty to lower my car payment, and I discovered that this is illegal. They told me that if I accepted the extended warranty, they would lower my payment and interest, and this was a trap.
Product: Credit card or prepaid card

I was on vacation miles away from my home and received a text message from capital one on XX/XX/XXXX asking if I tried to charge {$990.00} at XXXX  Before texting back no, I open my app on my phone and see a total of XXXX transactions made on XX/XX/XXXX at XXXX XXXX XXXX transactions of {$560.00} ) XXXX ( {$38.00} ), and a XXXX in person in my home city ( {$110.00} ) totaling {$1200.00}. I immediately text back capital one and select all fraudulent charges on my account. They give me an adjustment credit for all these transactions while they conduct a fraud review. 3 days later, they send a notice saying the {$38.00} XXXX  order was credited, XXXX transactions {$560.00} XXXX  appeared to have been declined instantly because no longer appeared on my account, but for the {$110.00} XXXXXXXX XXXX XXXX XXXX made in my home city was denied due to insufficient proof of fraud. I call capital one to appeal their decision and ask how to provide flight/hotel information to prove the {$110.00} transaction was not me as I physically had the card with me miles away on my vacation. Capital one basically told me there was no way to appeal due to chip being used in transaction and they do not see any proof of fraud. How the scammer was able to clone my chip with the card being miles away with me is unbelieveable to me. I explained I was on vacation and can send any proof needed to appeal but they refused to even give me the chance and said I was liable for the {$110.00} purchase. I am extremely disappointed that they won't even listen to me especially after having other fraudulent charges on the same exact day. They truly do not honor their 0 % fraud liability charges claim. I have been a customer with them for several years and ALWAYS pay my balance in full and have never had even had XXXX late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The state tax lien reporting as released on my Equifax credit report was previously removed years ago as a result of a dispute. The item was reinserted as released with a new date. Also Equifax will not provide me with the method that was used to verify that this information is correct.     (  5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of   the consumer.  <P/> ( Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information.     If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii )   Notice to consumer.   If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that XXXX and XXXX immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that XXXX and XXXX investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i entered the XXXX in XX/XX/XXXX for XXXX i was never asked for insurance or asked if my info was correct i was treated and released then XX/XX/XXXX i went to the hospital billing and asked why i have a {$2500.00} collection, the lady said after i was treated i " just walked out '' she said they ask for insurance after treatment, thats never happen like that before, so they bill a old insurance that i had back in XX/XX/XXXX not the current insurance i had at the time of the treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Debt collection

This company XXXX, I have never heard of this company before let alone know what they do, they say I opened an account with them 7/8 years ago in which I did not, asked for proof they told me they sent nothing ever received in the mail or email pertaining to this. Worked with XXXX  to get this removed off of credit because it meet the statue of the 7 year limit because it has hurting my credit in the collections portion, Ive tried for years to get this removed got it and now its back on my credit as if I opened another account and didnt pay this fraud and identity thief I believe my information was sold on the web. Im going to be buying a home soon and this hurts my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches and fraudulent items that has been removed before has been added to my report which is in violation of my rights and against the law, I am disputing the inclusion of inaccurate and fraudulent information on my credit report, as outlined in the attached documentation. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I am requesting the immediate removal of all unverifiable, inaccurate, and fraudulent information. These errors are adversely affecting my creditworthiness and do not accurately represent my credit history. Please conduct a reinvestigation and provide documentation verifying the of the disputed items being removed promptly. 
XXXX XXXX XXXX XXXX XXXXXXXX, {$43000.00} XXXX XXXX XXXX XXXX : XXXX, {$1700.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a formal dispute letter to Equifax regarding inaccuracies on my credit report. Specifically, I disputed the following accounts : XXXX ( Account Number : XXXX ) : I requested verification of the original promissory note, a complete account history ( including all payments and correspondence ), and evidence of timely reporting. 
XXXX ( Account Number : XXXX ) : I disputed the accuracy of a reported late payment from XX/XX/XXXX and requested documentation verifying compliance with FCRA 623, including a full audit trail and delinquency notices. 
XXXX ( XXXX XXXX  ) ( Account Number : XXXX ) : I disputed late payments reported for XX/XX/XXXX and XX/XX/XXXX, requesting creditor correspondence and proof of timely reporting. 
In my letter, I outlined my concerns and explicitly requested that Equifax conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). I also demanded that Equifax provide verification or supporting documentation for the accuracy of these accounts, or remove any accounts that could not be substantiated. 

As of today, XX/XX/XXXX, I have received no response from Equifax, nor have the disputed accounts been updated, corrected, or removed. This failure to respond violates FCRA 611 ( a ) ( 1 ) ( A ), which mandates credit bureaus to complete investigations and provide results within 30 days of receiving a dispute. 

This lack of action has caused undue stress and delays in addressing these inaccuracies on my credit report. I request that the CFPB intervene to ensure Equifax complies with the FCRA by : Investigating the disputed accounts thoroughly and providing me with a response. 
Removing all accounts that can not be verified or substantiated with appropriate documentation. 
I have attached a copy of my original dispute letter, my credit report highlighting the disputed accounts, and all relevant supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : MEDICAL DATA SYSTEMS Account Number - XXXX Amount - {$2100.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$920.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX  XXXX XXXX Account Number - # # # # # # XXXX Amount - {$180.00}
Product: Debt collection

XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX  and XXXX XXXX  and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!
Product: Money transfer, virtual currency, or money service

I got multiple messages from Cash App saying somebody removed my phone number, any devices associated with my account, they changed my PIN number. I was hacked and they are not trying to give me my money back It happened on XX/XX/XXXX its five transactions they tried to take more I contacted them why the hacker was hacking my account and told them to freeze my account but they didnt do anything but help me get back into my account and by then the hacker had stolen all my money the transaction was {$290.00} {$720.00} {$560.00} {$96.00} {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft.i checked my credit report and see some fraud inquiries listed that were not generated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency,  XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from Experian that there was a change in my credit score. Experian dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my Experian credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun Experian penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by Experian, XXXX and XXXX  are cause for investigation into the companies themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, Amsher Collection Services reported a {$50.00} delinquent debt to the following credit reporting agencies : XXXX   XXXX Creditor Name AMSHERCOLLECTIONSERVICES Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX   Responsibility Individual Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XXXX XX/XX/XXXX Remarks Placed for collection Medical|Subject has not satisfied debt. 

-- -- Remarks -- -- I am military stationed in XXXX, and have not been living in the US since XXXX. All of my medical expenses are billed to XXXX XXXX, as I am XXXX XXXX military. There is no situation where I would owe a debt of any kind to XXXX XXXX XXXX. 

Furthermore, no one has ever informed me of this debt in by any method, until it appeared on my credit report last week. I have tried to call both XXXX XXXX XXXX and Amsher Collection Services,  as well as left messages on their website, but have not received a response. 

I am moving back to the USA in XX/XX/XXXX, and will need to have my credit at an acceptable level so that I may begin potential home shopping. I have worked diligently for years to repair my credit, and this is going to cost me a significant amount in interest on home loans, etc. if this is not resolved quickly. Thank you for your assistance.
Product: Debt collection

My rights have been violated. I was not aware of this debt going to collections. Please view regulations. 
15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Original Debt : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  , XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$76.00} Amount {$76.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX