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

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

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN, XXXX, and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

Flagstar Bank was my mortgage company. I sold my home XX/XX/XXXX22. I called and provided my forwarding address immediately after closing my account. My escrow account was closed and the payment was sent to my property address I sold instead of the forwarding address I provided. After not receiving the payment I called in to verify the address and provided my forwarding address again. The payment from my escrow was mailed to me and I never received the payment. I called in to once again confirm it was not received and the company stopped the payment on the check and sent out another check to the same address on XX/XX/XXXX. The last representative I spoke with on XXXX advised me to call back today XX/XX/XXXX if I didnt receive the check. I still have not received it so I called in. I spoke with a representative that advised me give the mail a few more days. I then asked to speak with a supervisor. The supervisor in which i did not get her name, advised me that Wednesday would be the day to call back if I had received the check. I asked her what would be the next course of action if I have not gotten the check by then. She advised me they would just put a stop pay on the check and send another. At this point if you are continuing to send a check and Im not receiving it is there any other way that you all are able to send my payment. The supervisor stated there was no other way. At this point it is very frustrating for this company to give me the run around about funds that are due to me. They are not offering any alternative options to receive my payment. They dont seem to care if I ever receive my funds. The supervisor at one point began to talk over me and was very rude to me throughout the entire call. This company has completely disappointed me and I will never do business with them in the future if this is how they treat their customers. I ask that you reach out to this company and help me get some sort of solution because were almost into a new year and this home was paid in full in XXXX. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on with this, The credit bureaus have Zero respect for the laws. 
they need to be held accountable for their action toward consumer thanks
Product: Debt collection

This is about Prosper marketplace that has a fraudulent account on my credit file Approximately two years ago I started receiving phone calls from this company telling me that I was past due on a debt. I continue to ask the company what type of debt are they talking about and the Company would repeat themselves and tell me that I applied for a loan and I was past due on my payments. Of course I thought this was fraud and they were just wanting information from me however as time goes on I Learned that this was real because they have now placed this on my credit I have attempted dozens and dozens of times to speak with this company however they refuse to speak with me because they say that they have been paid in full by another person however they have still placed this on my credit file. This is against the law what they are doing to me and I am demanding that someone look into this as soon as possible or I will be getting an attorney and researching all parties involved. Companies like this should go to jail. Unethical unprofessional and they just hang the phone up on me when I call this is tarnishing my credit I am in capable of purchasing a house because of this company my life is on hold and I am demanding some sort of answer from this company rather than hanging the phone up on me continuously. I am sick of it absolutely sick of it and I want this removed from my credit file immediately. 
They tell me to provide proof that this is not mine. How in the XXXX can I provide proof that this is not mine when it is indeed not mine? Its like Im having to prove I didnt do something when thats absolutely impossible to do. Any help whatsoever from anyone would be greatly appreciated because Prosper market place is a joke.
Product: Debt collection

I have written to XXXX XXXX in the past and have asked them not to contact me through my work number. I have given them permission to call me on my cell phone and through text. I have continued to receive phone calls at my work from a guy by the name of XXXX. The dates listed below are when he has called me. I understand I have a responsibility to take care of my account, but I have explained to them many times to please not call my job. I would like to keep my personal debts separate from my employment. It is not acceptable to my employer to receive personal calls and is embarrassing to have debt collectors call. XXXX XXXX ( XXXX ) is calling and leaving his name, where he 's calling from ( yes, he is saying XXXX XXXX ) and his number. Again, I have asked them not to do this. I have written it down for them to know. I spoke with the manager today and he confirmed this was notated in my account, it was also confirmed by the receptionist XXXX that this was notated as well on my account. Yet, XXXX is still calling my work number. 

Dates company has called my work number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$12000.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX # XXXX # 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 please remove this from my credit due to my person right
Product: Debt collection

I had a XXXX  which I thought would be paid by insurance. Insurance did not cover it and then passed off to a collection company. I paid the collection company in full in XX/XX/2020 for {$120.00}. It was removed from my XXXX  Credit Report and XXXX. When I checked my credit on XX/XX/2020 there was an additional charge of {$29.00} added by MEDICAL BUSINESS BUREAU @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

I spoke to XXXX on XX/XX/2020 at Medical Business Bureau and she said it was an employee error that caused the problem on my credit report because they did not settle the account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about XXXX XXXX XXXX inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, TransUnion, and XXXX for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting inaccurate XX/XX/2023 late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.
Product: Mortgage

I have sent principal curtailment payments numerous times over the past year to my mortgage company along with letters instructing them to apply the full amount to my principal. They have refused my requests and specific instructions to apply my principal curtailment payments to my loan principal, and have taken it upon themselves to apply my principal curtailment payments towards my regular monthly mortgage payments, against my wishes. I have spoken to them numerous times over the telephone this past year and I have been told that they would correct their mistake, but they never have and they keep doing the same thing every time I send them a principal curtailment payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses and names Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Friday XX/XX/2021 - Two separate times - Sycrony Financial has called for someone who is not me trying to collect a debt - they attempted multiple times in the past and i have told them that i am not the person they are looking for and have told them to put me on the DO NOT CALL list multiple times but they have ignored that statement.
Product: Debt collection

On or about XX/XX/XXXX, a collection account for {$140.00} appeared on my credit report from Transworld System for debt I allegedly owed XXXX XXXX  XXXX. I was seen at the XXXX XXXX  XXXX Emergency Room on XX/XX/XXXX and my insurance was billed over {$5000.00} for the visit. I personally owed {$350.00} not covered by insurance and paid the bill within hours of receiving it. When this collection appeared on my credit, I called XXXX XXXX  XXXX first and they said that they can't help me because they never sent my account to collection by Transworld System. I disputed the account with XXXX  who ruled in my favor within an hour. But it remained with XXXX. I also disputed it with XXXX  on XXXXbut the outcome of their investigation is that the collection account was verified as accurate, which it is not. I have also tried calling Transworld System but they do not pick up the phone. My credit score was in the mid 700s until this incident when it dropped by 100 points overnight while i am trying to purchase a house. Thank you in advance for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, KOHLS/CAPONE, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, KOHLS/CAPONE, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im completely confused about how this happened. Ive always trusted my reports to be accurate, but now there are mistakes that showed up out of nowhere. Refreshing my browser didnt resolve anything, and Im pleading for the documents I submitted to be checked thoroughly so this nightmare can finally end.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. 

Details of the Fraudulent Account : Creditor : XXXX XXXX  Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. 

Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. 

The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. 

Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. 

I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. 

Thank you for your attention and assistance in this matter.
Product: Credit card or prepaid card

Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A CFPB COMPLAINT XXXX. EXPERIAN RESPONDED TO MY COMPLAINT ON XXXX. 
Experian only referred my dispute to data furnishers for investigation. Experian then engaged in XXXX, a practice of blindly adopting the response of a data furnisher without conducting any independent investigation. This is a FCRA violation. Experian only conducted XXXX XXXX investigations and ignored the documents and information that I submitted. This is a violation of the FCRA because Experian was required to conduct their own independent investigations of my consumer disputes. Data furnishers, the providers of credit information, such as credit card companies and lenders have been cited in the past by the CFPB for conducting insufficient investigations. The CFPB has cited Experian for accepting these findings without an independent investigation. Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Pursuant 15 U.S.C. 1681e ( b ) requires EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian is also in violation of a CFPB Supervisory Order. Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information. Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.
Product: Mortgage

THIS IS THE XXXX COMPLAINT THAT I MADE TO THIS AGENCY AND TOTALLY IGNORED AND MAKING THE COMIUNICATION IMPOSIBLE TO DISPIUTE THE CONELCTION AGENCY FALSE RESPONSES IN THIS SITE THE DOCUMENTS CAN BE ATTAACHED I AM UNDER A FRAUDULENT FORECLOSURE PRACICES DUAL TRACK BACK DATED MAIL AND DECEPTIVE PRACTICES FROM THIS SERVICING AGENCY ON MY LOAN AND YOU ARE WORKING ON BEHALF OF THEM SINCE THE COMINICATION BETWING YOU EN THEM ARE A SECRET COMIUNICATION HIDING FORM ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Product: Debt collection

This debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation.

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/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