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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed.

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that TransUnion perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate.

Please send me an updated copy of my credit report once the investigation is complete.

Thank you for your immediate attention to this matter. I look forward to your response and resolution.

Sincerely, XXXX XXXX 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 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 am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Midland Credit Managemen they did not provide me with the original contract as I requested.
Product: Mortgage

We purchased our home with an appraised value of {$310000.00} and took a mortgage of approx. {$250000.00}. ( current balance of $ XXXX ). We have been trying for almost a year to get Loancare to remove the PMI being charged each month, based on the fact that we have greater than 20 % equity in the home and they refuse to do so. When I log into my account details at their website they show a $ XXXX value and a $ XXXX balance which clearly shows our equity yet we keep getting the run-around without results. Our homes value is currently $ XXXX and we want the PMI removed!
Product: Debt collection

To Whom It May Concern, I am submitting this formal request to validate a debt pursued by L J ROSS & ASSOCIATES, referenced in their communication dated [ insert date ]. This submission is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I dispute the validity of this debt and request that the debt collector provide the following documentation to validate their claim : Details of the Alleged Debt The name and contact information of the original creditor.

A detailed itemization of the debt, including the original balance, all fees, interest, or other charges applied, and the current balance.

Proof of Collection Authority Documentation showing that L J ROSS & ASSOCIATES is authorized to collect this debt. 
A copy of the signed agreement or contract establishing the original obligation.

Verification of My Responsibility Evidence demonstrating that I am responsible for this debt, including verification of my name, address, and any account numbers associated with the debt. 
Legal Compliance Copies of any judgments, if applicable. 
Written confirmation that the debt has not been sold, transferred, or assigned since the original obligation was incurred. 
Per the FDCPA, I request that all collection efforts be paused until this validation is provided. Additionally, I request that future communication be conducted in writing and sent to the address listed above. 

Thank you for addressing this matter promptly. I appreciate your assistance in ensuring compliance with federal regulations.
Product: Debt collection

Credence resource management furnished an account in my consumer reports that they brought from XXXX XXXX XXXX that is not mine. I sent them my identity theft report as well as my identification letting them know this isnt my account. They have not stopped reporting this account to my consumer reports which is causing harm to my reputation. I did not consent to this reporting. This is unfair and inequitable to me the consumer.
Product: Mortgage

I have a mortgage on my home through Huntington bank located in XXXX, Ohio. My home is in Kentucky. 

The whole time I have had a mortgage with them they have collected money for insurance payments on my property and added it to the escrow account. This is a requirement of Huntington bank. I have long questioned the fact that any interest accrued by these monies have not been disclosed, added to the total in escrow account, or refunded to me. 

It seems that these monies should be included into the escrow account instead of the bank keeping it for themselves.
Product: Mortgage

On XXXX/XXXX/15 I looked at my account online with the intention of paying off the entire " balance ''. The website showed a balance owed of {$22000.00}. I paid the entire amount on XXXX/XXXX/15. Then a couple weeks later I discover ( I ca n't recall if looked on my phone or reviewed a paper statement XXXX that my balance owed was {$120.00}. I called Wells Fargo on XXXX/XXXX/15 to question the {$120.00} balance because I in good faith paid the " balance owed '' on the XXXX. I advised the gentlemen that I wanted to pay this down to XXXX and he advised me that if I paid the {$120.00} ( which I subsequently did on the XXXX ) I would have a XXXX balance. Today XXXX/XXXX/15 I looked on my iphone app and that same account is now showing I still owe {$56.00}. I called and they explained that the {$120.00} was principal owed and the {$56.00} was the interest. If I had not happened to look at my account I would have not known the interest was still owed. As you can see by the attached document the balance owing once again still shows XXXX. This is extremely deceptive and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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/year>
Product: Credit reporting or other personal consumer reports

I noticed Discover reported a late payment however I called them to inform them of the changes made from my bank account because i was a victim of bank fraud i made the payment manually, And reset up the automatic bill pay which i never missed a payment in the 6 years that Ive been with them! I never received a statement showing i was behind or late ever in the mail! I called in anad informed of that AS WELL AND HAD THEM UPDATE THE ADDRESS!! I am in the process of expanding my business and this late payment is hurting my credit please help and remove! Thank u very much
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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

I'm in the process of trying to repair my credit and when I pulled my credit report I noticed several hard inquires that are fraudulent I have no knowledge of inquiring for any of the hard inquiries on my report and I please would like them removed immediately.
Product: Debt collection

I wrote a letter to AR Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$92.00} in XX/XX/XXXX. In XX/XX/XXXX I sent AR Resources another letter. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent AR Resources another letter demanding they prove the debt. Again they sent me an invoice {$92.00}. AR Resources refuses to communicate with me. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my first time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX Date of inquiry : XX/XX/2021, XXXX Date XXXX inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021, 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  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021
Product: Student loan

XXXX is when I first took out loans ( I was directed BY financial aid to do so ). Sallie Mae originally held the loans. Then Navient. Over the course of almost XXXX DECADES, I was steered in the WRONG direction, misinformed, bounced around and lied to. They completely ran me OUT of options to even defer/forbear/and even unemployment options ( I am partially XXXX and havent worked since XXXX so I can not pay these, even if I tried-due to debilitating XXXX  on top of a history of other things ). I was told in XXXX that I was out of options. Mind you ; I have never NOT been in contact with them, paid or updated account info etc. When we moved to XXXX, due to my husbands XXXX XXXX assignment, I even went so far as to explain to them that due to XXXX policy and lack of jobs/positions, there was nowhere TO work and IF I worked on the Italian economy that would mean forfeiture of my American rights overall. Did they help? Certainly not. I was just out of options. I am currently in a IBR with XXXX. But I want to make everyone completely clear as to WHY Navient ( hopefully ) will no longer be able to service ANY loans! I went to a predatory school, full of lies ( no one would hire me due to where I attended, but loved my grades and hands on skills ). And THEN the very people that should be helping you pay for loans that you can not and NEVER did secure a job for..leading you in the very opposite direction? They are just as predatory as some of these very institutions. Shame on them. I took out under $ XXXX and now owe almost $ XXXX thanks to Navient, the insane interest.
Product: Debt collection

In XX/XX/year>, a collection account from Radius Global Solutions regarding a closed T-Mobile account appeared on my XXXX credit report. I have never received any written notice from Radius Global Solutions regarding their intent to collect this debt, nor have I been contacted in any way by this company prior to its appearance on my credit report. 

I disputed the debt with XXXX and requested verification. XXXX immediately verified the debt but did not provide any information about how they conducted their verification process. 

On XX/XX/XXXX and XXXX, 2024, I contacted Radius Global Solutions directly to request verification of the debt and a written notice as required under the Fair Debt Collection Practices Act ( FDCPA ). I provided my current address and was told that I would receive the notice within XXXX business days. However, I have never received this written notice. 

On XX/XX/year>, I contacted Radius Global Solutions again in an effort to resolve the matter, as they have been " updating the balance '' on the collection account, causing it to appear as a new account on my credit report each month. I agreed to a settlement and requested written confirmation of the settlement agreement. I provided my email address and was told I would receive the confirmation within XXXX hours. To date, I have not received anything in writing from the company regarding this settlement. 

Steps Taken : I have contacted both XXXX and Radius Global Solutions multiple times to resolve this issue. 
I have requested written verification and documentation of the debt, as well as written confirmation of the settlement agreement.
Product: Credit reporting or other personal consumer reports

I became aware of the CFPBs lawsuit against Experian, titled CFPB Sues Experian for Sham Investigations of Credit Report Errors. The lawsuit alleges that Experian does not properly investigate disputes and fails to remove or reinserts errors. My experience aligns with the claims made in this lawsuit, as Experian has engaged in the same practices in my case. 

I have a 30 day late pay for XXXX XXXX  for XX/XX/year>. 

Steps taken to resolve the issue : I have sent multiple dispute letters to Experian, including documentation proving the inaccuracies. 
Experian has failed to conduct a proper investigation and has not corrected or removed the disputed items. 
The company has not complied with federal law regarding dispute handling, reinvestigation, and error correction. 


I provided Experian with bank statement showing I had the funding. And a screenshot showing I had placed the payment online. 

I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have disputed inaccurate information on my credit report multiple times, providing supporting documentation, yet Experian has failed to properly investigate or correct the errors. There responce was " Verified '' Despite my repeated efforts, Experian has either refused to remove inaccurate information or has improperly reinserted errors onto my report without proper notification. This failure has negatively impacted my credit score and, in turn, my ability to obtain credit, employment, and housing.
Product: Debt collection

On XX/XX/XXXX, I received an email from Hunterwarfield demanding a payment of {$3000.00}, acting on behalf of a credit matter. This communication appears to involve false representation, violating the FDCPA ( Fair Debt Collection Practices Act ) under 15 U.S.C. 1692e. Upon receipt of the email, I promptly responded, requesting the provision of all pertinent legal documentation, including contracts, signatures, and validation records demonstrating any legitimate business dealings with their company. Additionally, I explicitly instructed a cessation of communication and specified that all further interactions should occur exclusively via email. 

However, on XX/XX/XXXX, I received a phone call at my office number asserting that I owed Hunterwarfield {$3000.00}. This constitutes another instance of false representation. I clarified to the caller that I had never engaged in any business transactions with their company and referred them to the email containing my instructions, emphasizing the preference for communication through email. Unfortunately, the representative responded rudely and resorted to threats after I invoked my knowledge of FCRA ( Fair Credit Reporting Act ) and FDCPA laws. The conversation became increasingly distressing, prompting me to terminate the call due to the threats made by the representative. 

Following this incident, I submitted numerous emails to Hunterwarfield requesting evidence and detailing the threats made by their representative. Regrettably, they have yet to respond to any of my communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Ally Financial ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX  look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Product: Credit reporting or other personal consumer reports

XXXX not sure who Avid Acceptance is. I have only applied for vehicle financing once in XXXX and Ive received my notice from that company. I would like to know who does this company work for and how did they receive a vehicle financing application from me. I also did not call number provided on letter notice from Avid Acceptance as XXXX not sure if its a scam.
Product: Credit card

I asked my credit card provider to reduce my APR ( annual percentage rate ), since I feel it is too high even though I have been a good customer for more than a year. The provider refuses to reduce my APR, for the below reason : " Credit line decrease on your account within the past 4 months '' I have never had a credit line decrease in my lifetime of using credit cards ; in fact my credit line has only increased in the time frame mentioned. I have called the credit analysts who are supposed to be rectifying the problem numerous times, but the problem still persists after two whole months ( my first complaint was made in XXXX ). 

I have been told repeatedly that this is a technical issue and should be resolved in a few days, but it has taken a very long time and it still has n't been resolved, even though it is not my fault whatsoever. There is no reason for the bank to deny me an APR decrease even though my credit usage has been excellent ; I have not been given any other reason for the provider 's inaction apart from the one mentioned above, and the provider refuses to take action until this technical issue is resolved, which they neither resolve nor give a concrete timeline for. 

I feel that it is unfair of the provider to take advantage of me this way ; I have always made my credit card payments on time in full ( multiple payments a month ) ; I have been a good customer in good times ; I fear that if I fall on bad times, the provider is unwilling to have my back and fleece me in my time of need through ridiculously high APRs ( greater than 20 % ) which it refuses to decrease.
Product: Bank account or service

XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.