23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I sent a letter to PORTFOLIO RECOVERY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report a delinquent account to XXXX, XXXX and TransUnion despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from Equifax to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my Equifax credit report. I was saddened to learn that Equifax somehow verified the disputed items, electing to leave them on my report. I am certain that the items I disputed are incorrect and should be removed. Here is a list of the items I have disputed with Equifax. - name disputed- XXXX XXXX XXXX, XXXX XXXX XXXX Item disputed - XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Against Penny Mac mortgages I am formally disputing the appraisal, based on the XXXX XXXX specifically listed reasons contained within this email- there has been a gross material misrepresentation by the appraiser, which I also intend to take up the city 's licensing board for appraisers as he was asking my opinion of value and for information on the unit. 

The company is refusing to reconsider the appraisal or even allow me to conduct another appraisal. They also have provided no response to my requests for answers.
Product: Credit reporting or other personal consumer reports

I have disputed it with the company and all the credit bureau and had it removed and the company keeps adding it back and refuses to give information on what the account is, what it is owed for, why they keep adding it back so that it stays a new delinquent. They are commiting fraud!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$53.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I was never notified of a debt to the original creditor that is now owned by a collection agency that I have not had any contact with. I am requesting a letter of debt validation, and removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 


XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax Information Services LLC, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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
Product: Vehicle loan or lease

On XXXX XXXX I submitted a request for the information stated before because I am of the belief that there is an accounting error being reported on my credit report. The Company completely blowoff my request for information. I have not been able to contact anyone from this company and I do not think that they are even in business any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being sent in response to notices sent to me from " Caine & Weiner '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Product: Mortgage

My original loan was taken over by New Rez in XXXX and since then my interests has been some years going up others going down. I have a fixed rate mortgage until XXXX so to my knowledge the amount going to interest should reduce each year and the amount going to principal should increase. I shall list my issues I contacted New Rez by phone, email and mail back in XXXX and now I am doing the same in XXXX. I will make a graph showing what I think are discrepancies. 

Interest charged XXXX XXXX {$1800.00} New Rez XXXX Total {$7500.00} XXXX New Rez XXXX {$440.00} more than XXXX XXXX New Rez XXXX {$1300.00} less than XXXX XXXX New Rez XXXX {$1000.00} more than XXXX I do not understand why my interest would increase one year decrease the next. I obtained this information from the tax form New Rez sends out each year. I thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

Evidence was provided to the credit bureau of inaccuracies in the credit report and by law they were supposed to have that removed but they refused to remove or update which is a clear violation of the law. The following share more light on the violations ; IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE. 
DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT EXPERIAN, TRANSUNION AND XXXX UPDATE MY 30-DAY LATE PAYMENT ON XXXX XXXX AS PAID AS AGREED NEVER LATE AND UPDATE THISTORY TO 0K
Product: Checking or savings account

Hello. 
I have been CITIbank customer about 15 years. At the end of 2018 I was notified ( letter ) that my account is going to be closed. No reasons were specified, just stated that based on our agreement bank has right to stop service. I contacted with local branch manager but no explanation have been provided yet even she promised to reply. Then I have been notified that my XXXX XXXX and Home Depot membership would be terminated ( both sponsored by CITI ). I wrote to CITI complaint department to get explanation : what I did wrong, what rules or regulation were broken by me, but I have received response wich duplicate there initial statement without any reasons WHY my account was closed. 
as a result I had to open new account in another bank, recreate/transfer all my online payees to new platform, so many inconvenient things were done. Even though I don't need CITI service any more I am going to write one more letter to CITI to obtain explanation to their action.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The reason I am filing this complaint is because I believe that my loan has not be given proper consideration for a home retention workout that would allow me to retain my home. I originally re-applied for a loan modification back in XX/XX/XXXX/XX/XX/XXXXbecause I was not longer able to adhere to the repayment plan that was established by SPS due to a hardship we encountered. My husband injured his XXXX  which has prevented him from working. This hardship created in reduction of income in the household which preventing being able to continue with the repayment plan previously established. My husband is now receiving XX/XX/XXXX and we just need to be given a fair opportunity to keep our home. In speaking with SPS and correspondences received, we were denied without considering our monthly household income because they were unable to reduce our monthly payment. In review of the NPV Test, it appears the reason they were unable to reduce the payment is due to the fact that they included a deferment ( non-interest bearing principal balance ) in the amount of {$310000.00} into the interest bearing principal of {$280000.00} totaling {$620000.00} into the proposed modification which obviously would increase my proposed payment significantly. Because they will not consider leaving the deferment balance in place, it's causing my loan modification to be denied. We are unsure if this is part of the Pool and Servicing agreement nor do we know if leaving the deferment in place was ever considered however ; we want and have the financial means to afford our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XXXX  by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the three hundred dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
Product: Payday loan, title loan, or personal loan

I owe ace cash {$300.00} for a payday loan. 
Due to financial difficulties I was unable to pay. I explained this to them. Now Im receiving threatening calls telling me they are filing to the court and making this public. Also that they will go to my workplace and speak to my supervisor. They told me they will sue me for over {$3000.00}. This is very stressful I have no money in my bank account to pay. I asked for a month extension they said no because {$300.00} is not a lot. And they will not wait another month to file this. They told me good luck in court.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the 1997 case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report. 

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the 1997 case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 

These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I have contacted the company and they have no answers. They always would not provide me with a reference number as documentation that I called regarding this issue. Thank you.
Product: Debt collection

THEY BREACHED HIPPA. 
I received an account in collections through Capio Partners with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right privacy through healthcare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account reporting wrongfully as a re-aged account on Experian and XXXX  bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX   DELETED UPON PROOF OF RE-AGING. 
If EXPERIAN AND XXXX  READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... .. 
they should be able to delete the account without any further lies from their subscriber.
Product: Mortgage

My home mortgage was recently transferred to Newrez. I received an email inviting me to create an online account so I could manage my mortgage. My first attempt to create an account appeared to fail. During my second attempt I received a message that I already had an account instructing me to sign in. The site did not recognize the password I had created. When I attempted to reset my password, I was directed to XXXX XXXX XXXX. I called Newrez. They told me XXXX is a related company but were unable to explain what happened or resolve the issue.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute several items on my credit report that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my Experian credit report dated XX/XX/year>, I found that the following accounts include inaccurate or incomplete information : XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. The accounts listed above do not meet this standard, as the information is either incomplete or inaccurate. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the credit bureau must : 1. Promptly delete or modify the inaccurate information, as appropriate.

2. Notify the furnisher of the information that it has been modified or deleted. 

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. By reporting and maintaining these accounts, the furnishers and the credit bureau may have violated my rights under this section. 

I request that you investigate the accuracy of the above-listed accounts and take appropriate action, including : 1. Deleting or correcting any information that is found to be inaccurate, incomplete, or unverifiable.

2. Notifying me of the results of your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ). 

I have enclosed a copy of my credit report with the disputed accounts highlighted, as well as any supporting documentation to assist in your investigation. 

Please note that I expect a response within the legally mandated timeline of 30 days, as outlined in the FCRA. Failure to comply with these requirements may result in further action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues. 

Sincerely, XXXX XXXX