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

I FILED A DISPUTE ON XXXX ACCOUNT # XXXX DUE TO THE DATA BREACH. THE ACCOUNT WAS SUCCESFULLY REMOVED IN XXXX. HOWEVER THE ACCOUNT HAS SINCE REAPPEARED AND EXPERIAN DENIED A FOLLOW UP INVESTIGATION. I HAVE CALLED ALMOST XXXX TIMES OVER THE LAST WEEK AND I CAN NOT GET PAST THE AUTOMATED SYSTEM. I HAVE NOT BEEN ABLE TO SPEAK WITH A LIVE AGENT SINCE BEING NOTIFIED THAT THE CFPB HAS FILED A LAWSUIT AGAINST EXPERIAN. THEY ALLEGED THE COMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION. EXPERIAN HAS NOT ATTEMPTED TO REMOVE OR CORRECT ANY INFORMATION. THIS DEROGATORY REMARK IS AFFECTING MY CHANCES OF GETTING A HOUSE. EXPERIAN VIOLATES MY RIGHTS AS A CONSUMER, AS WELL AS FEDERAL AND FCRA LAWS. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion.
Product: Mortgage

The agent for the company said they don't have a 2nd mortgage or lien on my property.
Product: Mortgage

Select Portfolio Servicing Inc ( SPS ) made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX, in violation of RESPA 1024.41 ( f ) ( 3 ) Temporary Special COVID-19 Loss Mitigation Procedural Safeguards. 

RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ) require that : The servicer sent the written notice required by 1024.39 ( b ) at least 10 days and no more than 45 days before the servicer makes the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process ; SPS allowed only eight ( 8 ) days between XX/XX/XXXX and XX/XX/XXXX letters cited below, not minimum ten ( 10 ) days as required by RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ). 

On XX/XX/XXXX SPS sent us an Early Intervention Notice letter as required by 1024.39 ( b ). ( See attachment # 1 ) On XX/XX/XXXX, XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series NC XXXX Asset Backed Pass-Through Certificates, Series NC XXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 2 ) On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 3 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property. 

On XX/XX/XXXX we sent a Notice of Error to SPS ( see attachment # 4 ) asking for full investigation and correction of the above error, as well as cancelling the XX/XX/XXXX foreclosure sale of our property.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting or other personal consumer reports

This is getting ridiculous and its extremely annoying that you guys keeping the following items on my credit report. And You are violating my rights! by reporting these accounts on my report. 
" XXXX XXXX FOR {$3100.00} OPENED XX/XX/2023 '' All the other Credit reporting agencies have removed them, but you guys refuse to do so. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Debt collection

FCO Collections agency reported to XXXX, XXXX, and XXXX that I owe a debt of {$2300.00} to XXXX XXXX. This is inaccurate and erroneous and I sent documentation to the company of such. Particularly alarming is the fact that I was never a leaseholder at the property or with XXXX XXXX and never had any financial or legal obligations to XXXX XXXX, The Collection agency could not provide any proof that this was indeed a debt that I owed yet they illegally reported and published it on my credit reports. 


On XX/XX/2021, I sent an email to the compliance department of Fair Collections & Outsourcing , Inc., with a copy to XXXX XXXX of XXXX XXXX, clearly stating that there had been a misunderstanding regarding the alleged debt. In this email, I highlighted that I was never the primary leaseholder associated with the account in question and that there is no outstanding balance owed to XXXX XXXX. 
Furthermore, I received correspondence from XXXX XXXX of XXXX XXXX on XX/XX/2021, which supports my position that I do not owe any debt related to the property this information was furnished to a collection agency that disregarded and continued to attempt to extort me for money.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies. These unauthorized accounts are hurting my ability to obtain credit as I am in the process of trying purchase a home for my family. It is my understanding that you will investigate these items to ensure accuracy and remove all fraudulent accounts from my credit report. Here are the other items as well, I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 understand that it is my right to obtain a copy of my Insurance Information Exchange report, under the Fair Credit Reporting Act.I am requesting a copy of my Insurance Information Exchange report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.
Product: Debt collection

I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to furnish unauthorized fraudulent unknown information after multiple dispute attempts. Including phone certified mail and fax. I Demand these non account items in violation of multiple FCRA 1681- 18 usc 1028a 6802 6801 6805 602 604violations be Permanently Deleted from EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX For Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on ( XXXX  ) and I noticed that these unauthorized inquiries had been made : XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted , the creditors whom placed the inquiry , and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, as per 15 U.S.C. 1692d I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates the elimination of any incorrect accounts from my credit report. Could you please inspect the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has charged off the debt and continues to report the debt as past due ; even though they have claimed it as a loss on their taxes and received credit for the past due amount. I have disputed this several times and they refuse to remove the past due amount from reporting. They have even tried to increase the amount owed! I want the past due balance removed. Companies can not simply write off a debt and continue to try and collect it once they have received a credit for it. Therefore, they need to remove the past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Reporting Act, you are required to comply. My name is XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Jefferson Capital System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that XXXX XXXX XXXX has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. 

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. 

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. 

In addition to federal law, I want to highlight relevant sections of XXXX XXXX state law. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. 

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. 

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Jefferson Capital Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect Jefferson Capital Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. 

Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Jefferson Capital Systems XXXX as provided under Section 616 of the FCRA. 

Done in good faith.
Product: Credit reporting

I spoke with XXXX XXXX and they verified that they have no record of this debt within their system. I disputed this to Experian and XXXX and they are still reporting this debt as mine, when it 's not. Please, investigate the bureaus and have them remove this debt from my credit reports.
Product: Checking or savings account

On XX/XX/XXXX my bank stated they were going to unlock my account and release my funds to me after I sent them documents which was my license and I sent them that same day and now there are ignoring my emails and not responding! They had no reason to lock my account Or Keep my money.
Product: Checking or savings account

Wells Fargo did not allow me online access for 5 months. A SSI direct deposit was very short because I had no access to account while traveling although went in the branch 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CONVERGENT OUTSOURCI ( XXXX ) ***** Balance {$0.00} Opened XXXX XXXX, 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX XXXX AND TRANSUNION ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX XXXX AND TRANSUNION, WHICH TRANSUNION REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Product: Credit reporting

Issue was not resolved, and collections companies ( XXXX and XXXX XXXX ) continue to show on my credit report. Are hospital bills allowed to show on a credit report? A law was recently passed to prohibit this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a text message from Equifax stating a freeze has been placed on my credit report with a confirmation number XXXX. I contacted them and they stated there was no freeze on my report, a few months later I applied for a loan and was denied because there was a freeze on my Equifax report and they were unable to get my score. I contacted Equifax again and they took me through the verification questions they did whatever on their end and told me it would be fixed in 3 days to no prevail. My credit karma app stopped showing my Equifax score in XX/XX/2021. I have contacted Equifax at least XXXX times and I still can not get my credit report and I was denied again for a loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}
Product: Credit card

I maintain several credit card accounts with Capital One. On my XXXX Business Credit Card, they apparently have the option to charge a XXXX XXXX of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiry listed below on my report were not authorized. They have been reported to Federal Trade Commission. 
XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.