23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 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
Product: Debt collection

XXXX XXXX XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Experian, XXXX and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXXccount number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX L Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX 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.

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

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Transworld system inc.

This is not my account this is a case of fraud I have not given my written or verbal consent to anyone approving the purchase of anything tht has defaulted into collecting I'm a extremely responsible borrower and this is not my account please remove
Product: Credit reporting or other personal consumer reports

This vehicle loan has been paid in full. J.P. Morgan Chase has failed to update the account balance and status
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my credit score. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.
Product: Debt collection

I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help!
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting or other personal consumer reports

Pertaining to complaint number XXXX, on XXXXXXXX XXXX XXXX the CFPB notified me via email, informing me as to the status of my complaint. Which was fowarded to XXXX XXXX on XXXX XXXX XXXX. As of today, XXXX XXXX XXXX my FTC Report, Idetity theft Police Report and Proof of identifacation documents have been in there position. See PDF " CFPB Email. '' On XXXX XXXXXXXX XXXX at XXXXXXXX XXXX Experian Received My dispute documents via certified mail number : XXXX XXXX XXXX XXXX XXXX, FTC Report, Identity Theft Report, Dispute letter and Proof of identification ( New York State Drivers License ). As of today XXXX XXXXXXXX XXXX, Experian has been in possesion of the above documnets for a total of XXXX days. See PDF " XXXX. " Mail XXXX XXXX ''. 

On XXXX XXXX, 2024 I received an email from Experian stating, they forwared my documents to the creditor because I needed to submit more documents to verify my identity. See PDF " Experian Email '' Today, XXXX XXXXXXXX XXXX, I held an hour and thirty minute phone call with Experian ( call case no. : XXXX ) My request was for the status of my dispute. I asked a fraud department supervisor to explain the reason as to why the XXXX XXXX account was not blocked from my credit report. The supervisors response was, " we have to wait to here from the creditor ''. I explaint to the supevisor that the law superceeds there company policy, and that the law states your company ( experian ) has four business days to block the account upon receiving the proper documents from me. Which are : 1. Proof of identity, 2. Identity theft report and 3. Evidence of fraud ( statement affidavits, or documenst of unauthorized accounts ).

See 15 U.S.C 1681g ( e ), Four day to block account.

I further explained that all the required documents were submitted and to time to block the account has elapsted. Further more, the time for blocking the account has absolutly nothing to do with the time frame for investigating the account. His response was, " feel free to file your complaint with CFPB ''. 

See Current Experian Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX  XXXX  {$3000.00} XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I am writing to formally file a complaint against BMO Mortgage regarding their handling of my home loan application. Despite my application being described by their bankers as " strong, '' BMO delayed the loan closing and funding, leading to unwarranted charges of {$600.00} per day for five days, totaling {$3000.00}. 

I was in full communication with BMO throughout the process and promptly provided all required documentation in a single submission. However, the delays were caused by their underwriters ' inefficiencies and errors, including mixing my XXXX  and XXXX  business filings. This lack of diligence and attention to detail was unacceptable. 

The delays appeared deliberate and financially exploitative. Furthermore, the lack of urgency and apathy displayed by BMO caused me significant emotional distress. I had to dedicate excessive time and effort to push this process forward, only to face mounting frustration at their mishandling of my case. 

As a resolution, I am requesting the following : The return of the {$3000.00} in unjustified charges. 
Compensation for the emotional stress caused by BMO 's negligence. 
Reimbursement for my time and effort in addressing and pursuing this matter, including filing this complaint. 
I urge your office to investigate these unethical practices and take appropriate punitive action against BMO Mortgage. Customers should not have to endure financial exploitation or such a disregard for professionalism during critical transactions. 

Thank you for your attention to this matter. Please let me know if additional details or documentation are required. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..
Product: Money transfer, virtual currency, or money service

xoom XXXX has my incorrect profile details date of birth and last name sent them letter using my lawyer but action has been taken
Product: Checking or savings account

My wife and I hold a checking / investment account with Merrill Lynch. As part of their regulation process they are required to verify some details with account holders. Since I log in regularly it was fairly automatic for me. Since my wife does not they claim to have emailed her to ask her to update her account twice. We have not record of this email and Merrill refuses to provide evidence of it to us.

As a result Merrill proceeded to lock our account with no warning to myself, the other account holder, and no written communication ( such as a letter ), attempt to call in person, or text. This caused us to miss several bills that were paid out of that account, incur late fees and potentially may impact our credit.
Product: Vehicle loan or lease

Screen capture on XX/XX/2018, account statement on my loan reads Past Due : {$0.00}. Regardless, Citizens Bank claims I didnt make a XX/XX/XXXX payment. This is intentionally deceptive or otherwise misleading. 
After being notified in early XXXX that I had two additional missed monthly payments, a representative and I made arrangements for a {$370.00} payment to avoid repossession on XX/XX/2018. 
Citizens Bank repossession department maintains different business hours from the bank itself, and online payments were blocked for my account, so repayment was made unreasonably difficult. A repossession order was issued, the car was repossessed at around XXXX on Sunday, XX/XX/XXXX, and now the bank has changed the amount required to release the vehicle to {$1100.00}.
Product: Credit reporting or other personal consumer reports

I've been trying to get my personal information corrected and this negative account validated but I am not having any luck.
Product: Credit card

XXXX pages of documents attached clearly explains my complaint. 

Please instruct HSBC to comply with the FCRA law and amend their reporting and remove past reports.
Product: Vehicle loan or lease

So last month I contacted the CFPB in regards to my loan company Carmax XXXX in regards to putting the two months late payments in the rear or the end of my loan, as well as changing my monthly payments due date. At that time I was referred to XXXX ( who by the way was great with the entire process ) However I was told that if I made to payments that they would put the final payment which would have been XX/XX/XXXX Payment in the end of the loan. Which I did make the two payments as requested and required. However I still that late payment and my account is still 30 days past due and I am still getting threatening collection calls and letters from carmax regarding that 30 day late payment. So to me Carmax did not hold up their end and there is absolutely no way that I can come up with any extra payment again. When we agreed to the 2 payments and the final payment would have been placed to the end of the loan. The two payments that I made already caused me a hardship with my other bills. Now my carmax account is showing XXXX and 33 days past due! This is borderline horrible! And Carmax is being misleading and sending false documentation to you and me as far as their responses go!
Product: Credit reporting or other personal consumer reports

I've been attempting to address the inaccuracies on my credit report for months without success. This is a serious issue that needs to be resolved, and this complaint is not a mistake. These are difficult times, and the burdens keep piling up, negatively affecting my life. Correcting or removing these inaccuracies from my credit report would be incredibly helpful.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so despairing. What is happening with you ( CFPB ) and the bureau ( EXPERIAN )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX has violated my consumer rights according to 15USC 1681K Please have removed from my consumer credit report asap. 

I have contacted them in regards to my prevention of employment and my consumer rights and they have not budged.