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

By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX  Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 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 Please remove this account immediately
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 or other personal consumer reports

XXXX keeps fraudulently reporting XXXX collection accounts on my TransUnion credit report. I have no contract with this company, and I have repeatedly asked for them to produce a contract with my signature on it, stating I was responsible for this debt they claim I owe. They have failed on numerous requests to produce a signed contract. I have disputed this account with all XXXX credit bureaus. TransUnion wont delete these inaccurate accounts. These accounts are negatively affecting my credit score and need to be deleted immediately for falsely reporting!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX, on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Ponzy scheme on behalf of XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX does not recognize me as a XXXX  member therefore funds denied. 

The XXXX family given full permission to funds. 

Inheritance of XXXX and Percap from XXXX
Product: Vehicle loan or lease

My vehicle loan was being serviced by Systems and Services and Technology 's ( SST ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called SST and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I  called White Coast and they told me that my account was being serviced by SST. For the week and a half I've been in contact with both company 's, SST and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to SST and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX XXXX on XX/XX/2020 she stated that she would look into the matter and call me back and she never did. I've tried to call several times either asking for her or another supervisor and all i get is that they will call you back in 24-48 business hours or they are busy with another client. I never receive a call back. The only update that i have received is that my money i sent on XX/XX/XXXX was sent over to White Coast on XX/XX/2020. SST has failed to provide any type of communication in writing about status of my account and no one ever returns my calls. The phone # XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the lates that were on my credit report from all the bureaus XXXX, Experian and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.
Product: Mortgage

I entered into trial payment plan to modify my loan. I submitted payments on time as specified  by 5/3 Ba nk. However my  XXXX  payment was returned because they stated I had not paid my trial payments. My local bank manager  XXXX   XXXX  and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could  not see the payments on their computer.     I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation    XXXX   XXXX  ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification.     This has been an oversight by the servicing b  ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports.
They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.
Product: Mortgage

Contacted essex mortgage on XXXX and XXXX in regards to my ( HAF ) state provided mortgage payment assistance being applied to my account and all the representatives I've spoken to has advised me no funds were received so I've been in contact with Haf all throughout the month of XXXX and HAF has advised me everytime that the payment was sent on XXXX and is showing received by essex but its not being applied to account now I have accrued late fees and will have my credit impacted due to the payment not being applied my XXXX and XXXX payments were similar showing received on the XXXX of both months and not applied until the XXXX for both months so payments are definitely not being applied once received the last department I spoke with at essex mortgage was the loss mitigation department which the representative i spoke with at first handles the ( HAF ) state payments and was very unhelpful did no research to resolve or escalate problem just looked at the account and provided me with the same information I can see on my end No payment for the month of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, ( XXXX ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH XXXX, TRANSUNION, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....
Product: Prepaid card

I have attempted to make multiple purchases at eligible US based retailers that continue to be declined even though I have a sufficient balance. This has been an ongoing issue where I have to make many attempts and the order will sometimes go through. 
- XXXX order on XX/XX/XXXX  for {$100.00} - XXXX  order on XX/XX/23 for {$210.00} The AMEX customer service representative submitted a payment authorization and told me to wait 24 hours to attempt the XXXX order again but this is very inconvenient and I am not hopeful the issue will be resolved. I also expect this to continue to happen with other merchants.
Product: Credit reporting or other personal consumer reports

Second CFPB Complaint Equifax Failed to Remove Account After Confirming Deletion This is my second complaint due to Equifaxs failure to follow through. Based on my previous dispute with Equifax I was advised XXXX & XXXX was removed from my credit report. As of date XX/XX/year>2025 it has not been removed. My latest credit report dated XX/XX/scrub>/2025 still shows the account. This is a false representation by Equifax.
Product: Debt collection

I sent a debt validation letter in XX/XX/2023 I'm going to attach the first page and then they sent me a bill I attached the first page of the letter I sent it certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the 3 mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX   {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX XXXX {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 )  XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}
Product: Debt collection

XXXX XXXX Midland Credit Mang XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX I am exercising my right to dispute inaccurate Information as provided under the Fair Credit Reporting Act ( ACRA ), 15 U.S.C. {$1600.00}. Provide complete documentation that verifies this debt, including : Signature. DELETE THIS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint to follow up the previous CFPB complaint I submitted to request the correction and removal of the erroneous accounts reporting on my Credit file. I discovered that the information being reported on my credit report are incorrect when I reviewed my Credit File. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX 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 corrected ore deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX is killing me. I have been trying to work on my credit to purchase a home and XXXX keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?
Product: Credit card or prepaid card

I opened a Victoria Secret Card through Comenity in XX/XX/XXXX with a credit limit of {$250.00} and minimum payment of {$28.00}. At the end of XXXX they lowered my credit limit and raised my minimum without notice to which I attempted to resolve with their company with no luck. So on XX/XX/XXXX I filed a complaint here with the CFPB to try to resolve as my limit was lowered after a purchase was made the would put me over this new, lower limit making my account unusable and my credit show as over the limit which affected my overall credit usage. Comenity responded XX/XX/XXXX by raising my limit back to {$200.00}, waiving my XXXX payment and removing a late fee I was wrongfully charged. I made 3 payments in XXXX anyways and paid off my balance on XX/XX/XXXX, on XX/XX/XXXX I sent a secure message inquiring into why I hadn't received my XXXX statement as I usually receive it before the end of the month. I received a secure message with an attached file on XX/XX/XXXX, stating they had received final payment, yet I did not receive a statement. On XX/XX/XXXX I received another secured message this one stating my account had been closed due to inactivity and new credit information. I contacted Comenity to ask what they viewed as inactivity since in my view I made 3 payments the month before so I have only been inactive for 1 month. And if they are talking about purchases it had only been 4 months since last one and only that long because of how long it took to fix issues with my account. The response I received stated my inquiry was sent to a different department and I would receive a response from them. Then I realized I had a few items to ask about and explain so I replied back stating I have {$10.00} reward from purchases and a 20 % off XXXX  XXXX Anniversary Gift that had to be used by XX/XX/XXXX. But that also could only be used with my card that was now closed. And to explain the mistake with the lower score on the credit report they decided to base their decision on. Explain how my credit score had just taken a huge hit since my student loan servicer noted my account wrongfully as deferred, which it was not supposed to do under the CARES Act, but has since been rectified. To which they responded they already forwarded my request if more information was needed I be notified.
Product: Mortgage

I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Please see the important information about complaint file XXXX. 

Please see the Appraiser who did the appraisal XXXX XXXX XXXX, XXXX, MD XXXX for XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email address : XXXX He came and did the Appraisal inside and outside the house professionally. Please reach out to him if you have any questions.He provided Appraisal report to the lender XXXX XXXX. 
It was on XX/XX/XXXX. The appraisal was done on XX/XX/XXXX, XXXX house was still under construction. The construction value kept increasing XXXX XXXX % more including all Labor. Everyone knows that.

I also have other appraisals closer to XXXX XXXX  amount recently. 
I also have XXXXXXXX XXXX  Appraisal Report XXXX XXXX XXXX XXXX XXXX at the end of XXXX for XXXXXXXX XXXX loan in thebeginning of XXXX is done professionally before they gave me the loanXXXX bank provided me the Appraisal Report.I can provide the Appraisal Report if you need it.

The Broker from XXXX for XXXX told me that the appraisal was close to XXXXXXXX XXXX but XXXX went back and changed it multiple times to reduce the loan amount. Eventhough, it the Appraisal report value is XXXX XXXX XXXX different higher than the {$5.00} XXXX appraisal value in the Loan documents. 

I am the Homeowner and Builder and my labor as a Builder was not paid. It shows in all loan documents. 

I appreciate your help. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Debt or credit management

Back in XXXX I signed up for Lexington Law to fix my credit so I could buy a house XX/XX/XXXX I paid {$450.00} for the services to get started and I paid {$120.00} per month until XX/XX/XXXX. They had me writing dispute letters and my credit was not improving but they told me it would take time for my credit to go up so I asked them what was I paying for and they never gave me valid break down
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 involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry.

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically, i also did a debt validation and the company defaulted which was sent to all 3 credit bureaus
Product: Debt collection

CARDINAL HAS VIOLATED THE T.C.P.A. AND THE DODD FRANK ACT FOR THE LASTIME. 

SKIP TRACING FOR XXXX XXXX AND XXXX XXXX ETC..CALLING MY MOM AND DADS CELL NO ( XXXX ) XXXX AND ( XXXX ) XXXX 3 1 TIMES AFTER CEASE COMMUNICATION LETTER.
Product: Mortgage

On XX/XX/XXXX I received a letter that my loan was in default because my payment was short {$110.00}. I called Penny Mac to inquire why. I was initially told it was because of a county tax increase. I informed them that we had not had any tax increases in my county in a couple of years. I was immediately transferred to a supervisor. She told me the same thing until I informed her that we have not had any tax increase. I did add an attached garage to my house which increases the insurance payments. My insurance increased from {$76.00} a month to {$100.00} a {$24.00} difference. My monthly payment increased from {$1200.00} to {$1300.00}. An increase of {$70.00}. This is a difference of {$46.00}. When i asked the supervisor why there was a difference, she informed me that this was for an emergency maintenance account in case I was short due to increases in the future. I was not aware of this account and she actually said it is basically a secret account. I can not see the account anywhere on any statement and was not aware of this policy. As of now, I have around {$430.00} in this secret maintenance account.This happened last year and i blindly sent in the money they asked for. 
This loan was assumed by them without my permission. I signed the paperwork not to allow the account to be assumed. 
I would like to mortgage to be returned to XXXX XXXX  and be compensated by Penny Mac for their deceptive and forceful threatening.