23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against the three major credit bureaus [ XXXX, XXXX, XXXX ] for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed multiple third-party debt collector accounts on my credit report, as these accounts were purchased by debt XXXX, and the current status, balance, and payment details are incorrect. Specifically, my credit report fails to reflect the amount paid by the debt collector, which results in incomplete and misleading information. Despite these inaccuracies, all three credit bureaus have responded by simply marking these entries as " verified '' without providing any proof or evidence of a proper investigation into my dispute. 

The information listed on my credit report regarding these collection accounts is inaccurate and misleading, which constitutes a clear violation of the FCRA. I have not received any substantiated documentation supporting the verification of these accounts. As a result, I am requesting that these inaccurate entries be removed immediately. 

I respectfully ask that the CFPB look into this matter and help ensure my rights under the FCRA are upheld. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I have i quirked from equifax, TransUnion and Experian that do not match any open accounts. 
I tried multiple times to have the companies remove the inquires from my report but they have not done so. Even after telling me they would. 

TRANSUion ( only XXXX ) Equifax I should not have inquires from you
Product: Debt collection

On XX/XX/2020 I sent a validity of debt letter to : Credence Resource Management , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX Reference ID : XXXX Amount : {$260.00} That amount does not belong to me. They put a mark on my credit report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 I sent CMRE a letter to Validate a debt they say I owe. I sent it USPS Certified and CMRE received my letter XX/XX/2019. I gave CMRE 30 days to validate my debt, which is a reasonable amount of time to investigate my dispute. XX/XX/2019 should of been the final date to receive information on my dispute. XX/XX/2019, since I received no letter from CMRE to validate my debt ; I sent a 2nd letter to CMRE - explaining they are now in violation of the Fair Debt Collection Practices Act. Giving CMRE 15 days to remedy the situation. 
XX/XX/2019 I finally received a letter from CMRE with a letter Postmarked XX/XX/2019 ; which is still in violation FCRA and FDCPA - past the 30 day allowed by law to validate the debt. 
Today is XX/XX/2019 and CMRE is still reporting the debt they claim I owe on my credit reports.
Product: Checking or savings account

I am trying to link my checking account to a system I use for billing clients for financial plans. PNC apparently made a change not allowing my to link my account to pay for the service. This is adversely affecting my business for no apparent reason other than PNC not wanting a third party to have access to my account without using their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all XXXX of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, Ca XXXX ; XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting

The following creditors submitted a hard inquiry without my permission writen nor verbal or through a second hand solitiontation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORTED TO EXPERIAN AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.
Product: Credit reporting

I do not recognize this collection i was a victim of identity theft its not mines and there are multiple charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please help! We now have a foreclosure date of XX/XX/XXXX!! Carrington Mortgage continues to stonewall even after my CFPB complaint ( XXXX ) filed on XX/XX/XXXX which has not been answered ( attached ). Please consult that complaint for details I will not repeat them here. I STILL have not been assigned a single point of contact which is in violation of both federal and Colorado state laws! What is the consequence, if any, for not assigning a single point of contact? Laws are pointless unless there is an enforceable consequence. If I call Carrington myself all I can reach are an assortment of front line of people who have historically consistently given me misinformation. I have submitted countless loss mitt packages ( relatively recent example attached ). I am seeking a single point of contact and modification of an existing VA loan ; I have a POA to negotiate said loan ( attached ) ; I qualify for over half a mil in a mortgage, see prequal letter attached, we owe just over $ XXXX on this home ; I have a active home owners insurance policy ( attached ). Why can't I get a single point of contact to get this done?!!!! Carrington keeps dragging this out. It has been over a month since my CFPB complaint with no resolution or attempts at same. Please help. This is not rocket science!!! Laws are being broken and a family is continuing to be put through needless emotional hardship by the behavior of Carrington Mortgage following on the behavior and ethics violation by Carrington 's predecessor in servicing this loan, XXXX. Additionally there are rules for servicing of VA loans. See VA servicers loss mitt handbook chaps 5 & 6 attached.
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 in 15 USC 1681.

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish 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. 

XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I do not have any accurate dates as this situation was from XXXX. I visited an emergency room thinking I had insurance which I was spaying for through my job, it hadnt been active yet & I didnt know this until after the services provided. I received a bill for around XXXX XXXX I had started making payment but then had gone through some hardships & couldnt afford it. Which I had stated to the collections company. Years have passed & at one point during covid a XXXX $ medical bill showed up on my credit. A few days later it was off my credit. Now there is a XXXX $ bill in collections on my account that says it was opened XXXX of XXXX but the bill is from XXXX. Nobody has ever offered me any sort of assistance for this situation & I firmly truthfully believe I should not have to be dealing with this situation at all. Please help me in any way possible!
Product: Credit card or prepaid card

The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.
Product: Vehicle loan or lease

On XX/XX/2020 someone without my authorization ran my credit to get a car loan and I tried calling XXXX to fix this and they would not help
Product: Checking or savings account

On XXXX XXXX XXXX a transfer was made from my chime bank account for {$7700.00} to a XXXX account that I did not verify, I reported it to chime dispute they emailed me back said I would have my funds back in 2-5 business days. That was not completed so I reached back out a few days later about the same reason I reached out a couple times after that, they said the transaction wasnt unauthorized. After my very last dispute chime decided to close my account without helping me get my money back
Product: Mortgage

I requested that the mortgage servicer, Select Portfolio Servicing accept a deed in lieu of foreclosure due to the death of my husband ( we had been separated and living apart for 10 years XXXX. The loan had been XXXX through bankruptcy. My request was approved in XX/XX/XXXX. I submitted all of my documents. After a few months of not hearing anything, I inquired and the delay was blamed on COVID. After numerous phone calls and being told different " stories '' I contacted my county representative for help in XX/XX/XXXX. His office contacted Select Portfolio and a week or so later I was contacted to set up a meeting with a notary to sign the documents. I signed the deed transfer and all other closing documents on XX/XX/XXXX. After not hearing anything for weeks I began calling SPS to get an update. I was told to vacate the home, which I did. The grass still needed to be mowed. The electricity needed to be on for the sump pump, etc. I was told I was still responsible for the property until the transfer was recorded by XXXX XXXX. I kept calling for updates and was given different responses as to what the delay was caused by. Finally, months later I was told that the package was sent to XXXX Co on XX/XX/XXXX and we were waiting for XXXX XXXX to respond. I told the SPS that someone may have been vandalizing the property and I thought it was unfair that it was my responsibility. In XXXX, I was told by SPS that the property had been secured and winterized on XX/XX/XXXX. Still no word about why the delay. In XXXX, I contacted XXXX XXXX and was told that the package was received by XXXX XXXX on XX/XX/XXXX but it was most likely rejected because XXXX XXXX was not behind. I kept calling SPS and found out that the package was rejected, missing a POA and was sent out again XX/XX/XXXX. I am still waiting for this deed in lieu and transfer to be recorded so I can move on. I feel that the delay is deliberate for some unknown reason, or even if not, this is unacceptable that I am receiving no explanation. I feel I have been caused excessive stress and I deserve an explanation from SPS. As of today, XX/XX/XXXX, the deed has still not been recorded. SPS representatives have told me the property is my responsibility until the deed is recorded and they can offer no good explanation of why this is taking excessively long. It has been 1 year and 2 months since the deed in lieu was approved. I also wanted copies of the signed documents which I was told I can not get until the deed is recorded.
Product: Credit card or prepaid card

Citizens had closed my credit card ending in XXXX ( Citizens Cash Back Plus ) due to inactivity for 3 months, but I was planning to use it until I got this notice in the mail. Prior to the close, I never got any notice or warnings that my account was going to close due to inactivity. They closed the credit card on XX/XX/2023. 

I called immediately on XX/XX/2023 to see if I can recover the account. The phone representative transferred me to an account specialist, they said they will investigate and try to re-open account along with a hard inquiry which I agreed to do. I was told to call the following week to get an update. So I called on XX/XX/2023 to follow up. This time the account specialist claimed that there's no notes on me speaking to a past representative or other specialist so they had to try and re-open it again. They told me to follow up again on Thursday, XX/XX/2023. 

Today is XX/XX/2023. And I'm noticing the same pattern happening. Firstly, I spoke to a general credit card representative and he told me that my account got re-opened so I was initially excited, but then he noticed that my rewards ( {$45.00} in cash back ) was not available, so he transferred me to account specialist Account specialist ( this time her name was XXXX XXXX told me that there's no notes about any previous calls again. So what is going on here? Where's the data organization? Are these reps taking this seriously? Why are they not keeping notes of my previous calls and no status updates? This is getting ridiculous. I informed XXXX the specialist that I got a physical mail that my credit card closed, so she indicated that if I got this physical mail then there's no recovery of the credit card ( despite my 100 % on-time payments, low credit utilization and high credit score ). Of course this is not matching up with what the general rep told me previous. Why did he saw it was opened back up while the specialist has different answer? Something is not right here. Things are not matching up. 

So I asked XXXX, am I at least able to get back the {$45.00} in rewards reimbursed to me since I worked so hard to earn the cashback as a loyal customer? And she said " no '' because if the account is closed then its unrecoverable and the points with it are gone. 

I'm not sure why this credit card company gives me the most hardest time out of all credit card companies. But I think this should be investigated thoroughly because not only are their information inconsistent, but they are not making notes, being lazy, not doing their jobs and they do not respect customer loyalty ( although I shouldn't expect that ) but to close my credit card and not recover it immediately should be rectified by the company. Something is being overlooked so I wanted to bring this to light. 

I felt as if this company just stole my wasted time, effort and money that I earned legitimately with no repressions to their actions or to their own business ethics for customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account on my credit in the amount of {$41.00} with XXXX XXXX. I have disputed this debt several times with the credit bureau. However, they are still reporting this inaccurate information The other credit bureaus have updated my report and are no longer reporting this debt.
Product: Debt collection

On XXXX XXXX, 2016 a company called Central Credit Services XXXX contacted my employer and left a message stating that I owe debt.
Product: Credit card

Chase / Amazon account number XXXX XXXX XXXX XXXX Chase maintains they have no affiliation with Amazon. However the Chase Credit Card was set to default on Amazon without notice to me. The account has since been closed and I paid off the Full Principal that I could not confirm I did not incur. ( {$74.00} ) Despite paying off the Principal in full, Chase bank continues to send me statements charging additional late fees and interest upon those aggregating late fees and interest upon that interest. It is harassment. 

I would provide an attachment showing that Principal paid in full, however Chase has closed the account and locked me out viewing my previous transactions, so I can provide no documents to you.
Product: Payday loan, title loan, or personal loan

I was recently affected by COVID 19  and fell behind on my bills So I wasnt able to make my payments .Im now at a stable state to make sure my payment is made on time plus pay more to make up for the past due .These late payments are hindering me from becoming a home owner.Im seeking for a second chance and asked can the late payments be removed from all three credit bureaus as follows XXXX XXXX XXXX XXXX