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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the XXXX. I'm filing a claim under FCRA Section 623. I'm in desperate need of this account being removed.
Product: Debt collection

XXXX?, XXXX my VA loan was processing with myself and partner. Loan adviser noted that partner had a collection. We knew about it, have been disputing it for years ... hosp bill. I contacted the collection agency to try and take care of bill. I offered half of what the bill was..being nice knowing that we weren't responsible for it. The man said no, hung up. A couple weeks later we decided to continue the loan process anyways, wouldn't affect it. A day before the inspection/appraisal, after months of getting our loan together, the bill was on my credit report. I called them very angry and they said they have proof of a marriage lic for me and partner. We are NOT married. I lost my loan. I sent them a letter stating remove it or else. It's still there and I can't move forward with a new house until its removed. I have nothing to do with this bill. I have contacted a lawyer. This company is fraud ... XXXX XXXX was the contact at the business.
Product: Debt collection

PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX sent theft affidavit along with dispute letter this item is not mine no respond or letter from collection agency providing me with any original contract or providing to me item is mine also item is over 7 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX  SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to you today with a heavy heart to dispute the negative items listed on my credit report, specifically the charge off accounts for XXXX XXXX ending in XXXX and XXXX XXXX XXXXXXXX ending in XXXX, as well as the inquiries by XXXX XXXX  on XX/XX/XXXX. 

The circumstances surrounding these negative items are emotionally charged for me. I have always been a responsible individual and have worked hard to maintain a good credit standing. However, due to unforeseen circumstances beyond my control, I was unable to make payments on these accounts, resulting in the charge offs. 

The financial stress caused by these events has taken a toll on my mental health and has caused me great distress. As someone who takes their financial responsibilities seriously, I have been actively working to rectify the situation and get my finances back on track. I have taken steps to pay off my debts and have been working with a financial advisor to improve my financial literacy and make better financial decisions moving forward. 

I understand that the negative items on my credit report are a reflection of my past financial struggles, but I implore you to consider the efforts I have made to rectify the situation and move forward. I am committed to doing everything in my power to improve my credit standing and prove that I am a responsible borrower. 

I respectfully request that you investigate these negative items and remove them from my credit report if possible. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I asked to investigate all the fields on the act. but they come back with a verification that the balance is not reported by the the creditor. If they ca n't verify the balance is XXXX after well over 45 days they should have deleted the acct. They are slopy when they fix something they XXXX others
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I wrote TransUnion to investigate hard inquiries on my credit report. Today is XX/XX/XXXXXXXX  and I have yet to receive a response. The inquiries are a violation of 15 U.S. Code 1681b and I want them removed from my credit report with them. They were not initiated by me nor did they result in any sort of account on my credit report. I did not give the below companies authorization or permission to check my credit file with TransUnion XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notice from my employer that my upcoming paycheck on XX/XX/XXXX was going to be garnished. I had NEVER received any summons for court as they claimed to have placed on my front door. I asked for proof which they can not provide. They gave my info to contact a XXXX XXXX, whom I left messages for over a range of two months with no return call to me or my employer that was also trying to contact them. In the beginning of XXXX a rep named XXXX called and explained to him what has taken place and that I can not eat or pay my necessities with this garnishment and it was unfairly obtained, I asked for a payment plan and he said that he can't help me. On XX/XX/XXXX ( after being garnished for 4 months ) XXXX XXXX calls me, after getting a request from XXXX to call, and agrees to help me with a payment plan on the remaining balance for XXXX a month as opposed to the XXXX a month they were taking for garnishment. He told me that he can not set the payments up over the phone and that I would need my file number and to go to their website and set them up. Which I did and have proof they are still in their system bc there is no way to delete them from my end. I was told on XX/XX/XXXX there was a court date to collect all funds garnished from XXXX, and he told me on XX/XX/XXXX there will be a court date to collect the remaining funds garnished. In saying that, he gave me verbal credit for the funds sitting with XXXX ( XXXX ) and said we were making XXXX a month on the remaining {$840.00}. They drafted a payment on XXXX for XXXX and on XXXX, 2 days before their next draft, they sent a garnishment to my employer again, while they also have payments on file with my checking info. Surely I thought this was a mistake, and after leaving multiple messages over a couple of days trying desperately to get them to call me back, XXXX called yesterday to say that they never agreed to any of that and confirmed that they are going to continue with the garnishment and the auto pays on file. He refused to help at all, would not delete the payments or the garnishment. This is completely ILLEGAL. I as a consumer am being lied to, tricked, and forced into a payment that I can not afford along with a biweekly garnishment. This company is in violation. I asked for the calls to be pulled and I asked for manger to call me back yesterday. He refused to provide the calls and nobody called me back. I advised them that I would be filing a complaint with CFPB and XXXX if they did not call me back. This has affected my entire life, mentally, financially, and physically. I have worked in the Collections industry for 25 years and this place is the epitome of classless debt collectors that give the professional ones a bad name. TENAGLIA and HUNT, You are disgrace to any business in this industry. YOU CAN NOT LIE OR BE MISLEADING AND YOUR CALLS ARE RECORDED I DEMAND THAT YOU IMMEDIATELY DELETE THE AUTO PAYS ON FILE OR CEASE GARNISHMENT I AM CURRENTLY OBTAINING LEGAL REPRESENTATION TO TAKE LEGAL ACTION AGAINST YOUR COMPANY
Product: Credit card or prepaid card

what account is this for and why you running my credit. Name of XXXX and the amount and age of debt. 

American Express keeping running my credit.
Product: Credit reporting

I sent a letter to EXPERIAN disputing the inaccurate accounts information as erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that EXPERIAN received the dispute on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from EXPERIAN. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. EXPERIAN must NOW delete the disputed and INVALIDATED accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
I have previously enclosed a copy of the receipt showing when EXPERIAN received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

THE FOLLOWING INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY EXPERAIN CREDIT REPORT, WHICH ARE LISTED BELOW : US BKPT CT CO XXXX IDENTIFICATION NUMBER XXXX ACCORDING TO MY RECORDS, I HAVE NEVER FILED BANKRUPTCY, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FOR THE US BKPT COURT SHOWING THAT THEY DO NOT HAVE ANY RECORD OF ME FILING A BANKRUPTCY! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THE US BKPT COURT HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE FILED A BANKRUPTCY! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX ACCORDING TO MY RECORDS, I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY HAVE BEEN ASSOCIATED WITH MY PERSONAL CREDIT REPORT! I AM NOW DEMANDING THAT A COMPLETE VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION BE PREFORMED, IN THE EVENT THAT A LEGAL VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION CAN NOT BE MADE THEN REMOVE THIS INACCURATE ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX .... 
ACCORDING TO MY RECORDS, I HAVE DO NOT HAVE AN ACCOUNT WITH XXXX, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FROM XXXX SHOWING THAT THEY DO NOT HAVE VALID RECORDS OF MY ACCOUNT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH XXXX HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE AN ACCOUNT WITH THEM! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from XXXX advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
XXXX has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
XXXX  is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.
Product: Checking or savings account

Someone stole my Wells Fargo debit card and made a unauthorized purchase amount for {$400.00} XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and someone has used my information to open an account with " XXXX XXXX '' on XX/XX/2011 without my knowledge and without my authorization.
Product: Debt collection

I've made several attempts to VALIDATE an allegedly owed debt to Spring Oaks Capital. To my knowledge I've NEVER been in a binding contract with the company, nor is there any amount owed to the cited original creditor of this alleged debt. Due to the consistent disregard for lawful validation ; as well as the continued deprivation of the RIGHT to credit, I insist this matter be urgently addressed by the company 's current acting CFO ; XXXX XXXX, CFO Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you :. : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief.

Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX, distress, or humiliation ; because of their frequency or manner. Best Regards, by : XXXX : XXXX, grantee, beneficiary All Rights Reserved
Product: Mortgage

My mortgage company transferred my mortgage and to a new company. I did not receive any correspondence regarding the transfer. I usually do automatic payments, so I thought the payment was taken from my account. However in XXXX I received notice that I missed XXXX payment. And that I have to create an account to make payments. I was now 1 month behind. I did an application in loss mitigation and was told that it wouldn't affect my credit, they set it up so I can pay whatever I can when I can. In XXXX I received a call to call my mortgage company, I did and was told that they need additional information. I sent the information while I was on the phone, they needed bank statements and pay stubs. I didn't hear anything more from them and I have been making payments, and caught up on the one month. I applied for a cash out refinance only to find out that they did report me to the credit bureau. I called they to inquire about it, and was told that I didn't submit documents that were requested. I did not and have not received any correspondence from this company neither text, mail, email, nor phone calls. 
I told them that their representative gave me incorrect information and now it's affecting my refinance application. They just shut me down. I need help getting the negative report from my credit. 
I have never had a late mortgage payment since I bought this house in XX/XX/2020. All this happened because of the transfer.
Product: Vehicle loan or lease

We have requested several times for payment plan arrangements and they keep getting changed on a regular basis. We have also been offered additional products and never received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I wrote a letter to Experian, XXXX and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at Experian, XXXX and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 rounds of letters to Equifax requesting they remove the student loans on my file that are clearly marked as " transfered ''. These tradelines are holding my score down making it very difficult the navigate through financial life successfully. In addition to the transeferd tradelines there are also accounts reporting past the legal reporting date.
Product: Student loan

Why are you all allowing Navient to get away with ruining so many people 's financial futures? Have you not looked at the complaints, which basically tell the same story -- that this company has no business handling loans, or even being allowed to operate? 

I have complained before, to no avail, about how my loans were handled. Number one, they called my employer back when I worked for XXXX several years ago, something I had never told them was okay to do. Then, when I began paying them {$210.00} a month after being told for MONTHS that I HAD to pay {$1200.00} ( the first request for that ludicrous payment was made not even a MONTH after I graduated when I was only making {$11.00} ), I ASSUMED that my payments were being split up between my multiple accounts. I AM STILL WAITING for someone to explain to me how ANY of those loans went into default. The only conclusion I can draw is that my payments were NOT being applied as they were supposed to. Not only that, the balance NEVER WENT DOWN. Now I'm getting sued left and right after asking for HELP. I don't understand how this can continue to happen. I was NEVER offered IBR, I was told I had used up the ONE forbearance I was allowed, etc. This is crazy!
Product: Debt collection

Edward Sloan and Associates are in VIOLATION of the FDCPA. I sent a debt validation letter OVER two months ago. I have yet to receive ANYTHING proving these debts are mine. I am demanding that they stop collecting on these accounst and remove these accounts from my credit reports and notify ALL credit reporting agencies. 
Account # : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report to XXXX and transunion incorrect info.they are reporting that I opened an acct with them XXXX of XXXXi did not have an acct with them.i had an acct with XXXX XXXX. I requested proof of application with XXXX  for XXXX they ignore my request and refuse to stop reporting fraudulent information
Product: Credit reporting, credit repair services, or other personal consumer reports

After initiating a complaint of inaccurate information your reporting on my credit report on XXXX XXXX XXXX then receiving a response of verified from TransUnion. I then sent you another letter requesting your Method of Verification which you received on XXXX and you signed for and I received NO response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from Equifax and XXXX basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the English language why my credit score has dropped that huge amount. Have reviewed credit report that XXXX sent and it has not changed. Equifax did not even send credit report to review. This is ridiculous. I complain. I want an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00} and a High Balance of {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - C/O in XXXX XXXX ; XXXXfull XX/XX/XXXX year ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act