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

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX Tennessee XXXX Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the XXXX XXXX XXXX account. No account number has been given.
Product: Debt collection

I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!
Product: Credit card

An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SYNCB/SAMS XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX
Product: Credit card or prepaid card

- In XX/XX/XXXX, I received a mailed postcard advertisement from Home Depot for credit card users that offered 10 % off or up to 24 months financing. The mailer clearly states " Coupon Valid XXXX ''. 
- On the evening of XX/XX/XXXX, I attempted to use the promotional code to receive the 10 % off discount, but I received an error message stating that the coupon was not valid. 
- I contacted Home Depot 's Customer Care XXXX account ( @ XXXX ), and the person signing tweets on behalf of Home Depot called herself XXXX. 
- XXXX told me that the coupon was expired, and I challenged that position since the mailer clearly stated " Coupon Valid XX/XX/XXXX - XX/XX/XXXX ''. 
- Here are the last XXXX messages in the XXXX exchange : ( 1 - Home Depot to me : ) The coupon expired on XX/XX/XXXX. -XXXX  XXXX ( 2 - me to Home Depot : ) I hear XXXX XXXX XXXX but I tried to use the coupon on the XXXX. So does that mean XX/XX/XXXX was the last date that the coupon was valid? ... ( 3 - Home Depot to me : ) Correct. -XXXX  XXXX I believe since " XX/XX/XXXX '' was listed as a valid date on the coupon, the code should have still been accepted. 
- I believe this was false and/or deceptive marketing/advertising on behalf of Home Depot .
Product: Debt collection

I wrote a letter to a company Capio Partners Dept to let them know that I believe they were in error of a {$60.00} debt that they are claiming I owe them. I also demanded to see verifiable proof for the account # XXXX and to provide the description of the procedure used to determine the accuracy and completness of the information is hereby requested as well to be provided within 15 days of the completion of a reinvestigation and it was not done .I was not requesting Verification, but rather I am requesting Validation
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am submitting a formal dispute regarding unauthorized inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). According to the FCRA, all inquiries must be authorized by me or verifiable by the creditor. 

The details of the disputed inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/year>, XX/XX/year> Creditor Name : XXXX Date of Inquiry : XX/XX/year> I did not authorize these inquiries, and I request your assistance in ensuring the credit bureaus investigate and remove them if they can not be verified. 

Please investigate this matter promptly and provide a resolution. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now I can not login to Equifax to look at, and most likely dispute, information in my file. I tried online and they would not let me see anything, I was referred to a toll free number where I sat on hold, and was bounced around for 30 minutes. I got frustrated and hung up, but waited 3 days and called back, to wait 45 minutes this time and keep getting bounced around with no resolution. 

I sat down and wrote a letter politely demanding to see my credit file, included copies/printouts of the front and back of my valid drivers license, and social security card front and back. These were the 2 " big '' items they wanted so I could prove me identity and see my credit file. I waited appx 2 weeks and was mailed a letter from Equifax with a website to login and enter a verification code they proved on the letter. I did all this and still, I was blocked out - not allowed to see my credit file. I can not get them to open up their blocking of my account and I truly need to see my file/info with them because I can think of 2 companies I want to file disputes against if they are on the Equifax credit report. 

I called the same number AGAIN, sat on hold and finally got to hear a human voice. I told him what happened, although I could barely understand his horrible English. He said he had to transfer me to another department, and he put me on hold, which then properly hung-up on me. I was livid, I could not stand it anymore so I didn't call back. I found your office through an internet search and thought I should try to get help. 

I'm only trying to access MY CREDIT FILE, which I've provided more than ample information proving I am who I say I am. 

Please make Equifax get this lined out ASAP. It's been going on for months. No matter what website, form or whatever I use, I am not being allowed to see my credit file witht them, muchless my score. After paying {$29.00} on XXXX, i was able to see scores on all 3 main credit reporting agencies and Equifax is the worst. I know there are errors because they show my credit score as XXXX. No idea what fraud-laziness- or else is going on with them but they need to open my files up to me anytime.
Product: Mortgage

On XXXX XXXX, 2015 Bank of America sent me a letter which read " Congratulations! You 're approved for a Home Equity Line of Credit Modification '' I accepted this offer nine months ago, a contract I have honored and complied with in every way, yet Bank of America has and continues to avoid compliance. The issues are as follows : Failed closed my modification Continuously send me numerous notifications that my " loan modification appeal has been denied '' Inaccuracaly reported my credit history Called me 50 times stating my loan is in default or me calling BofA to get assistance Provided me with assurances that " this is just a paperwork problem '' for 9 months Verbally assured me that my loan is fine and I should continue to pay the {$710.00} ( which I do every month ) and instructed me to ignore the letters and calls that state I am in default I have has to endure countless changes to my " single point of contact '', and there is no end in sight. This situation is inhumane. Bank of America 's CEO XXXX XXXX was notified months ago and still no action toward a resolution. 

I have asked for months for help. Now I have demand they perform under the agreement. Provide me with an accounting of how the thousands of dollars I have paid from the time I entered into the modification have been applied. I do n't even know what interest rate they are charging. My statement says 3.75 % and my modification says 1 %. I will bet they do n't even know how to prepare an accurate XXXX for tax purposes.
Product: Credit reporting or other personal consumer reports

Get rid of these inquiries, as I have no information about them and the company acted without my authorization.
Product: Mortgage

The complaint is about Wrongful Reporting of XXXX Resulted in More Taxes and Suffering. 
Mr Cooper had given wrong numbers on my XXXX ( Box 5, MIP ) for the years XXXX and XXXX, which resulted in more taxes to be paid. They ended up correcting the XXXX for both years, but that was not proactive on their end and took me several attempts to convince them that they gave me wrong numbers. During the conversation over the phone, some employees referred me to some bogus, not-real IRS laws that don't exist, and when I asked for a reference to those laws, they backed out and tried to change the subject, and ended up connecting me to a manager. I have been trying to amend my XXXX tax return, but the allowance I wanted to use for XXXX MIP deduction has expired and no longer available, which resulted in me overpaying taxes to the IRS that I can't recoup due to their delay in correcting my XXXX 's. I asked to be reimbursed, but they declined my request. I had to send too much time researching and trying to amend my tax return, but it ended up time and money consuming, and worthless due to expiration of MIP deduction allowance. They denied responsibility and refused to help even though it was their mistake. I think that might have happened to many people most of which don't know. They did tell me that they updated the IRS on my corrected XXXX 's and that was all they had to to. 
The main issue is that I had my closing around XX/XX/XXXX, where Closing Costs included advanced payments of MIP and else that I agreed to pay at the time. I got my XXXX for XXXX in XX/XX/XXXX and they included only about {$120.00} of MIP paid which I thought was accurate, then I got my XXXX for XXXX in XX/XX/XXXX, which had about {$1300.00}. By reviewing Closing documents from XX/XX/XXXX, I noticed that what Mr. Cooper reported for my MIP in XXXX XXXX was wrong. I had contacted them several time via email and even phone calls, but they denied my claims since they were sure their numbers were accurate. I had to ask to talk several people to over the numbers and insisted that the numbers were wrong, which they started to question but started referring me to IRS law that did not exist to justify their wrong reporting.I ended up asking for verification and references for those laws, and that's when they panicked because they were in violations of some laws. They asked me to allow more time to investigate AGAIN and ended up sending me an updated XXXX for year XXXX with MIP ( box 5 ) amount of {$3300.00}. I am not sure if they did that to others, but the way they received my claim and lack of seriousness caused me lots of frustration and over payments of taxes. They declined responsibility and want me to take the burden of their wrong doing, including my time, money and frustration. 

I can provide more documents upon request.
Product: Credit card or prepaid card

Affirm from XXXX XXXX in ILLINOIS
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX GOLDKEY CRED XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very se GOLDKEY CRED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 under 15 USC 1681. 

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, 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding my legal name and correspondence received from the credit bureau is still incorrect. They actually mailed correspondence back to me addressed with the incorrect name. I also asked that all addresses be deleted except my current address which they are still reporting other addresses. I take my personal information seriously. It is the credit bureau 's responsibility to report accurate information per FCRA. I previously provided legal documentation such as driver 's license/W2/pay stub to prove who I am and where I live.
Product: Debt collection

Disputed claim for amounts owed. {$440.00} was under impression it had already been paid and handled. Portfolio Recovery now calling harassing me and my family members. Did not have a co-sign or anything. Revealing details about case and debt to my family. Threatening me and my family who are not involved with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i saw my credit report, I saw that there are accounts that i never applied for nor had communication with
Product: Student loan

I obtained a loan through XXXX XXXX in XXXX. I attended the program and finished. After 6 months I make payments. Since the program is a scam and only 30 % of people who finish actually get employment I was hard on finding work. From XXXX to XXXX I asked a few times about reducing payments or getting deferment. I was always told that it was not possible. I paid {$210.00} a month usually for the {$21000.00} loan. So my parents who cosigned paid. I later in XXXX was married and we made a mistake on our lease. Due to cost we told them we could not pay, by this time it was a Navient controlled loan. I again had to force my parents to pay. <P/>As of right now my wife and I are filing for bankruptcy. I can not begin to tell you how incredibly angry it makes me that no company with refinance or consolidate my loan through them. I can not even obtain the public servant forgiveness benefit, being a career XXXX due to how the loan is labelled. It is ridiculous these banks are allowed to have more rights than a human. They manipulate and hide behind that title iv law to get money and saddle the poor or those in need with crushing debt. <P/>I am filing bankruptcy to protect my house and vehicle since my wife and I have borrowed too much since we were paying all the extra {$600.00} a month, between her {$270.00} and my {$210.00} payments, to pay the loans but we can not even get rid of them now because they are private loans that are protected by educational benefits. Neither of us obtained jobs related the certificates we received. It sickens me and makes me extra disappointed that my child will one day have to endure these confusing and troubling tricks lenders use to prey on the young and misinformed. <P/>I have made every honest attempt in my life to pay this loan and the balance is still sitting at {$19000.00}. I think that given my employment and access to a forgiveness option PLUS the fact I am filing bankruptcy I should have some way to remove this debt. Its a private loan. Period. A private PERSONAL loan. They will not allow me to remove my parents as cosigners. I can not get income based repayment since I make decent money and they never ask anyway. I never get forbearance as a way to catch up and actually save so that I can not borrow for emergencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.