23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, Texas XXXX. I have been in a pre-loan modification status with XXXX Mortgage for approximately two years with No resolution. My account number is # XXXX. I have been transferred to XXXX different representatives over this time period. My home has been in pre-foreclosure status twice. I have not been able to make payments on the account because of the modification process. Citi-Mortgage representatives have constantly requested and have received documents from me but has not made a decision on whether the modification has been approved or disapproved. On several different occasions I was informed that my file was with the underwriter only to XXXX that the underwriter did not have my file in review at anytime. I am sending this complaint requesting assistance with this situation. My home is my primary residence and I do desire to keep it. Thank you in advance for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Debt collection

I am filing this formal complaint against Credit International Corporation for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), specifically for their illegal communication with my employer/clients ( XXXX XXXX XXXX XXXX XXXX XXXX  ). I am seeking the full cancellation of this debt and its removal from my credit report due to the damage it has caused to my professional reputation and business opportunities. 

Summary of Violations Illegal Contact with My Employer/Client On XXXX XXXX, 2025, XXXX, Credit International Corporation unlawfully contacted XXXX XXXX, a company with which I am securing a sales representation deal worth XXXX  of dollars in revenue. 

This action is a clear violation of 15 U.S.C. 1692c ( b ), which prohibits XXXX  XXXX from contacting third parties regarding a debt without consent or a court order. 
Their communication has severely damaged my business credibility and potential income, directly impacting my ability to conduct business in my field. 
Failure to Validate the XXXX XXXX to these egregious violations, I am requesting the following actions : Full cancellation of the alleged debt due to illegal collection practices. 
Immediate removal of the debt from my credit reports with all credit bureaus ( XXXX, XXXX, and XXXX ). 
A formal investigation and sanctions against Credit International Corporation for their unlawful actions. 

Supporting Documents I have attached the copy of the email sent to my employer/client. 

Conclusion These violations have caused significant harm to my professional reputation and income potential. I urge the CFPB to take swift action to hold Credit International Corporation accountable and ensure the immediate removal of this debt from my records. 

Please confirm receipt of this complaint and advise on the next steps. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX The email was from XXXX XXXX, XXXX, XXXX XXXX XXXX at Credit International Corporation XXXX / XXXX ccvcorp.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Sheffield financial- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX  XXXX- inquiry from XX/XX/XXXX These inquiries are all fraudulent Ive tried to get them off through all credit bureaus and the companies but all I do is keep getting letters..
Product: Debt collection

LVNV Funding LLC # XXXX has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...
Product: Checking or savings account

I opened a SoFi checking and savings account on XX/XX/year>, and transferred {$500.00} from XXXX XXXX  and withdrew {$2500.00} in cash from XXXX. However, just seven days later, on XX/XX/XXXX, my account was restricted, preventing me from moving funds in or out. 

I contacted SoFi immediately, and after several phone calls, I was informed that the restriction was due to the funds from XXXX not showing my name, XXXX XXXX, but instead the name XXXX XXXX XXXX XXXX is the XXXX name I have used for many years. I contacted XXXX to verify that XXXX XXXX is indeed XXXX XXXX and forwarded this information to SoFi. 

Now, eight months after my account was restricted, I have not received any updates from SoFi, and they have closed my account, preventing me from accessing information through the SoFi app. After filing three complaints ( XXXX, XXXX, XXXX ), SoFi finally sent a check for {$250.00} to my home, but they have not refunded the remaining {$2500.00}. 

I have requested that this amount be returned to my XXXX account ( which is under the name XXXX XXXX ), but the money has not arrived yet. It has already been eight months! My family and I need these funds to pay our credit card bills and for our daily living expenses. Please help us!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report, as it is fraudulent and does not belong to me. The account in question is : Creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have never opened an account with XXXX or XXXX XXXX XXXX, and I believe this account was opened fraudulently. I request that this account be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Attached are copies of my identification and a report showing the fraudulent account. If needed, I can provide further information. 

I am a victim of identity theft. 

Thank you for your prompt attention to this matter. Please respond to my request at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite my repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, the problem persists. These entries have severely affected my life, causing considerable stress. I emphasize that I did not authorize or consent to this information being associated with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

am writing to dispute a recent negative impact on my credit score as a result of a pre-approval offer from XXXX XXXX. On XX/XX/2024, I received a pre-approval notification from XXXX XXXX for their credit card. It was my understanding, as communicated by XXXX XXXX, that pre-approval offers do not result in any negative impact on credit scores. 

To my surprise, upon checking my credit score after accepting the pre-approval offer, I noticed a significant decrease in my score. This decline in my credit score has adversely affected my financial standing and has the potential to impact my ability to access credit in the future. 

I believe this decrease in my credit score is unjustified and should be rectified. I request that the negative impact resulting from the XXXX XXXX pre-approval be removed from my credit report with all credit reporting bureaus. 

I am more than ready to share all necessary supporting documents, including the pre-approval offer from XXXX XXXX and documentation showing the decrease in my credit score following acceptance of the offer. 

I kindly request that you investigate this matter and take appropriate action to rectify the negative impact on my credit score. Please inform me of the results of your investigation and any steps taken to address this dispute.
Product: Debt collection

The XXXX  requires debt collectors to be licensed in the state they are attempting to operate. The XXXX XXXX XXXX XXXX  XXXX is a state law that addresses business or commercial debt collection practices in the state. This debt collector has been reporting and attempting to collect on a debt they are not licensed for in this state to collect on. I have disputed this item several times. Please provide the XXXX license number to collect this debt and remove this item from my account.
Product: Credit reporting or other personal consumer reports

Dear Factor Trust XXXX XXXX Support Team, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXXXXXX 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

My consumer finance complaint ID is XXXX. 
Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. When we received your complaint, we immediately paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, has violated my rights. 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 - Definition ; rules of construction - Exclusion. - Except as provided in paragraph 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 ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 

XXXX sold my information to Credit Collection Services without my written permission or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2020
Product: Debt collection

PNC Bank, with whom I have never opened an account with, is attempting to collect money from me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all closed accounts according to a free credit report I received from a free credit report company. Equifax, XXXX, and XXXX have all done an investigation and the results have said these accounts are still in collections. 

XXXX XXXX  and/or XXXX XXXX XXXX and are reporting twice on my report. XXXXXXXX XXXX  and/or XXXX XXXX XXXX along with XXXX XXXX XXXX are also the same agency reporting three times on the same closed account. I made a complaint to all 3 bureaus and they came back saying there was no error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account that was paid and was to be verified. Equifax never investigated nor verified. My address was changed to a previous address, which was not my request. I asked to verify the payment history that is incorrect with their payment status, They never investigated. I sent in my Drivers ID along with a copy of my Social Security card on each dispute
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX  XXXX, identified by the Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company stated that the disputed inquiry will remain on my credit report for 2 years, and to contact the company that made the inquiry, which I did, Transunion. 
Transunion declined to remove the inquiry, which was not even in my name, from my credit report. 
So now, I have an inquiry on my credit report that will be there for two years that is not in my name that I have no knowledge of, which is not acceptable. Especially since I am a Victim of Identity Theft. 

Original compaint : YOUR COMPLAINT On XX/XX/2022 I viewed my Transunion credit report online and saw an inquiry that I have no knowledge of and that I did not authorize. The inquiry was from XXXXTRANSUNION XXXX for XXXX XXXX which is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on XX/XX/XXXX after pulling my credit report about variations to my name that ARE NOT my name and addresses that are attached to my credit file along with numbers I have never seen or used. 

On XX/XX/XXXX Experian has come back to say that they are verified or have updated the information without verification or giving me verification. I find it interesting that on yesterday I spoke to a representative after several of my certified letters hit their bureau investigation status on or about XX/XX/XXXX and have come back verified with the same information being out dated that I disputed or updated magically. 

I would like to know how they are verifying my information and it is still incorrect and not giving me anything more than an update. Keep in mind I submitted my factual evidence that the information is incorrect and it is STILL incorrect but VERIFIED. This is continuing to damage my credit file I have proof that this is not the FIRST, SECOND OR THIRD time they have sent me letters saying the information is verified in the past 12 months when clearly I know the laws and that they are not upholding my rights to have a accurate and fair credit depiction of my credit file. 

I have included an example of the issues with their VERIFICATION. 

I have had my identity compromised in XXXX by an employer and XXXX my wallet was stolen with SS Card and information that was sold on the web for scammers to use. I take my credit profile serious.
Product: Credit reporting or other personal consumer reports

i recently reviewed my Equifax report and noticed a fradulent hard inquiry on my report from XXXX XXXX XXXX XXXX. Ive never gave them consent to pull my credit report. Please remove the capital XXXX XXXX XXXX hard inquiry off my Equifax credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Reporting Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information that remains on my credit report despite my prior attempts to correct it. My situation closely mirrors the issues raised in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which highlighted the companys failure to properly address consumer disputes and correct inaccurate credit information. The specific inaccurate information on my credit report is as follows : Account : XXXXXXXX XXXX XXXXXXXX, Payment history, Responsibility Account : XXXX XXXX XXXX, XXXX, Payment history, Responsibility Account : XXXX, XXXX, Payment history, Responsibility Account : XXXX XXXX XXXX, XXXX, Payment history, Responsibility. Account : XXXX XXXX, XXXX, Payment history, Responsibility. Closed account listed on my credit report for longer than 7years. I previously submitted a dispute regarding these errors on XX/XX/XXXX, yet the information remains unchanged. This failure to investigate and correct my report violates my rights under the Fair Credit Reporting Act ( FCRA ) and aligns with the allegations in the CFPB lawsuit, where Equifax was accused of mishandling consumer disputes and failing to provide proper updates. I am requesting that you : 1. Conduct a thorough reinvestigation of my dispute. 2. Correct or remove the inaccurate information from my credit file. 3. Provide me with an updated credit report reflecting these corrections. 4. Explain in writing your findings and actions regarding my dispute. If Equifax does not comply with its legal obligations, I will have no choice but to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and possibly take legal action for noncompliance with federal credit reporting laws. Please resolve this matter promptly, as inaccurate credit reporting has serious consequences for my financial well-being. I expect a response within the legally required 30-day period. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX ....