23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made MULTIPLE attempts at clearing up fraudulent inquiries on my credit report and have been told now 3 days in a row that they will be removed in 24 hours and even had a direct phone number and extension of a rep who said it will be done and it still has not been corrected. This will be my last attempt at having these inquiries removed before i seek to go the litigation route and sue for all 4 inquiries being reported on my report despite not even giving permissible purpose or authorizing these inquiries. 

The inquiries that are fraudulent are listed below with the date and name of the company. 

XXXX : XX/XX/2022 XXXX XXXX  : XX/XX/2022 XXXX XXXX  : XX/XX/2022 Experian XXXX XXXX : XX/XX/2022 These are FRAUD/Identity theft!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law The accounts are listed below that need attention : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00}
Product: Credit card or prepaid card

I got a text that said the following : " CHASE : Your account has placed on Hold! We need to verify your information to remove hold. Please visit XXXX : XXXX to regain access '' Since I don't have a Chase account I know this is a fraud attempt. I didn't click on the link and I blocked the phone number it came from ( XXXX ). Fortunately, since I've had fraud issues in the past I'm aware of what to look for. However, another person may have received this and if they had a Chase account they could easily become a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.
Product: Credit reporting or other personal consumer reports

Credit checked without my approval or was lied to and told that it was a soft inquiry.
Product: Debt collection

XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
Product: Credit reporting or other personal consumer reports

I have 2 late payments for Comenity Bank. 
I have explained my family-death situation however, they couldn't help me. 
I was unable to purchase a home. 
I really need help removing 2 late payments.
Product: Credit card or prepaid card

I had the fraudulent transactions on my account and they refuse. To give me a provisional credit available to me to make purchases
Product: Vehicle loan or lease

This is my second time complaining about this company. They originally wanted to repossess the car and I told them where it was. Then, bc the creditor didnt like my attitude, he started threatening to sue and garnish my wages. I made it clear I could not pay the amount for the car loan at the original price bc I now have to pay for another loan because I obviously need a car to drive. I have tried to negotiate a lower loan amount with no success. I refuse to speak with this company because they are abusive and threatening and it makes me very uncomfortable. Today, I received 29 text messages in 10 minutes from a person who did not name themselves or the company theyre with, just the number ( XXXX ) XXXX. Not even a company email. This number has been texting me since Wednesday. Yesterday I asked the number to please stop contact. The company has been sending me letters multiple times a week demanding the payment Ive repeatedly I am financially unable to afford.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports were impeccable untilXX/XX/312020, when my chase credit card added an inaccurate remark to my credit report files. This single error caused my scores to drop 128 points, even though everything still reflected 100 % positive standing. This fraudulent reporting Remark on my file reads account previously in dispute. My account has never been in dispute. There was no dispute whatsoever. Chase agreed to completely remove the remarks on XX/XX/XXXX, they confirmed this information incorrectly information should not have been submitted, was incorrect and would be deleted. I was assured this would happen within 5-10 days and everything would recalculate, but this did not happen. In fact, Chase confirmed with XXXX  that the remarks were accurate, and so they remain and I cant dispute them further. I received a letter from Chase that they reported that my account was no longer in dispute, which is further false reporting. Rather than removing the inaccurate remarks as they promised, they repeated their mistake and once again reported account no longer in dispute. My account status is flawless and has never been in dispute. When I contacted Chase for the second time, they told me they could not remove old remarks, even when the remarks are inaccurate. These remarks remain on different areas of all 3 credit reports, current and/previous. This is the only thing on my credit that has changed or is negative and it has absolutely destroyed my fantastic credit scores. There was no dispute of any kind open or active, this account was never disputed, and this reporting was fraudulent and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized anyone to report anything on my credit report and it keeps getting worse! 
Remove all former addresses Negative remarks I have not authorized anything
Product: Checking or savings account

I have several accounts at JP Chase Morgan. When I opened accounts with an employee who is no longer employed he assured me I would have no fees. We have business accounts that XXXX XXXX XXXX dollars in them and he said they would be linked and no fees at all. Without telling me he signed a number of my other business accounts up as platinum accounts with {$95.00} a month fees. Multiple times I have gone in to get these fees fixes and yet I continue to be charged fees. He refunded some of them but now the branch says they are limited by how many fees they can refund. Multiple times I have had to go into the branch to try to get these fees refunded and the accounts fixed or linked so I would not have fees all without success. The XXXX, FL branch promised multiple times to call me back and no one does.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Approximately a year ago I disputed a collection from Hunter Warfield that was appearing on my credit reports. After the investigation period the item was removed from all credit reports but recently have been reinserted within this past month. I did not receive notice that the account was being added again within the 5 day period or at all for that matter.
Product: Vehicle loan or lease

Regarding ; No tile/lien release has been provided for XXXX purchased after lease expired Vehicle : 2019 XXXX XXXX VIN # XXXX. 

Account : XXXX It has been over a month since HCA cashed our buy back payoff check. I have called Hyundai Finance 3 times over the last month and each time they said the title or release is in the mail. 

Clearly, it has not been sent and I am amazed they have the audacity to say it is in the mail. 

Then a week ago I asked the dealer I leased from to intercede which they did yet I get no response of any kind from Hyundai Finance. The dealer said they have seen many such issues with titles not being provided by from HFA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my notarized affdavit to Experian. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, You claim to need authorization to submit my dispute. I give authorization for you to process my dispute. My dispute is attached to this complaint and needs to be properly investigated. I have attached all needed information such as my I.D and Social security card to verify my identity. 

I already called to try and have this dispute entered and Experian gave me a hard time so It needs to be addressed and disputed now.
Product: Money transfer, virtual currency, or money service

They knowingly allowed me to be defrauded of {$150.00} and have not made attempts to stop others from trying to commit other fraud
Product: Credit reporting

XXXX XXXX XXXX was under a modification program and should not be reported late 60 days XX/XX/2015. the monthly payment amount is incorrect also, it should {$1300.00}, Experian never verified the account.
Product: Credit reporting or other personal consumer reports

That isn't my credit card or my email. That's when I called them they told that. In light of the CFPB Lawsuit filed against XXXX on XX/XX/year> I invisist you Conduct on investigation as Required by FCRA Law. Do not Accept the Findings of the Fornisher who do not Delete correct disputed.
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, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 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 DDUpon 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 the police report. 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 ; XXXX XXXX XXXX XXXX XXXX XXXX-VISA 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, XXXX, FL XXXX*
Product: Credit reporting or other personal consumer reports

My Experian credit report showed a debt in collections to XXXX. I never owed XXXX money. I disputed with XXXX. They removed the item from my report. But now, months later, the company XXXX XXXX XXXX ( XXXX ) provided a credit report to a potential landlord, and the report included the same debt in collections that was removed from my XXXX report. It looks like XXXX got the report from TransUnion. My complaint is that I dont even know who all has this incorrect collections item under my name, and I should not have to call up the furnisher and other credit bureaus to fix it. XXXX, the furnisher, or both have illegally failed to propagate the results of the dispute.
Product: Mortgage

Champion mortgage foreclosed on my father 's home under a reverse mortgage and refused to deliver the excess funds to his estate after the sale. I called Champion and the representative assured me that Champion is entitled to keep these funds.
Product: Mortgage

I have experienced multiple errors with my escrow account since the mortgage was sold to Mr Cooper. 

Problem 1 : Mr Cooper paid the incorrect hazard insurance company despite the fact that I informed them that my insurance was changing in advance of Mr Cooper issuing the payment. My notice to Mr Cooper occurred on XX/XX/22, and they confirmed receiving my notice on the same day. Mr Cooper 's payment to the incorrect company occurred on XX/XX/22. The error resulted in {$3500.00} being paid from my escrow account in error, resulting in a negative balance in that account. After this error occurred, Mr Cooper refused to assist in recovering the money from the incorrect company. I spent several weeks, and dozens of hours of my time to correct Mr Coopers error, which to date they have still failed to acknowledge as their error. 

Problem 2 : Because of the mismanagement outlined in Problem 1 I requested to cancel my escrow account with Mr Cooper. Mr Cooper provided a written letter dated XX/XX/22 stating that they could not cancel me escrow account due to my loan to value ( XXXX ) was less than 80 %, which they defined as the current balance divided by the original loan amount. Since receiving this notice I have taken significant efforts, including selling other assets to bring my XXXX ratio below 80 % using the definition provided in the XX/XX/22 letter. On XX/XX/22 I contacted Mr Cooper via telephone after successfully bringing my XXXX below 80 %. The agent I spoke with stated that XXXX could not be deterred based on the original loan amount and that I must pay Mr Cooper to perform an appraisal to determine my XXXX. This directly contradicts the written letter from XX/XX/22 and reeks of greedy, fraudulent, money grabbing behavior.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
Fraudulent Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$7400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$370.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$75.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} Fraudulent Inquiries : 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home loan service company was Shellpoint Mortgage until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The Shellpoint & XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with Shellpoint Mortgage from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my Shellpoint dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both Shellpoint & XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . I n  XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the major  Credit  reporting agencies resulting in our  credit score fa lling from the  XXXX    XXXX   to the  XXXX    XXXX  . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm ent (   XXXX   XXXX   XXXX   ) an d were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  Va  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. XXXX  has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed.

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry that has appeared on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681 ( Section 602 ), I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. 

The following inquiry was made without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry, and I have not applied for any credit with this entity. Therefore, it is a violation of my rights under the FCRA. I demand that this inquiry be removed from my credit report immediately.