23daVinci/CFPB_Complaints huggingface dataset:
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 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 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 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 was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Product: Debt collection

account resolution services is reporting 4 different accounts on XXXX  and XXXX  that I do not owe. first account is for {$720.00}. opened XX/XX/XXXX, I disputed this account with them and they yet have sent any validation to this account. such as an agreement that would have my signature and a photo copy of my ID. second account is being reported for {$480.00} opened XX/XX/XXXX XXXX again disputed they have not sent no validation such as a signed agreement and copy of ID. Third account {$190.00} opened date XX/XX/XXXX XXXX no validation with this account. forth account {$510.00}. opened XX/XX/XXXX they have not validated this account. I have disputed all four of these accounts and they continue to report these accounts with out proving that these are my accounts, they are oppressing my credit report in an attempt to force me to pay which is not mine. 
since they have not provide any proof I will be force to file a fraud affidavit against account resolution services upon they out come of this investigation. they are in possession of my personal information with out justify why they have it and are using it to force me to pay what I believe I don't owe.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by XXXX to consumer reporting agencies ( CRAs ) XXXX, TransUnion, and XXXX. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for XXXX to disclose my personal information to these agencies. 

On XX/XX/2024, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX 's unauthorized reporting. Despite my efforts to rectify this issue, XXXX continues to report my educational record without my consent. I reiterate that I have never provided written permission to XXXX to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to XXXX. The alleged promissory note provided by XXXX contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with XXXX, nor have I provided authorization for them to report my personal information to XXXX. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to XXXX requires explicit written permission. I demand that XXXX provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law. 

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. XXXX 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute. 

Furthermore, I am prepared to take legal action against XXXX for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against XXXX for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate XXXX 's unlawful practices. 

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that XXXX ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. This negative account should be removed from my credit reports on or before XX/XX/XXXX. XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

During an auto lease transfer, the dealership failed to send the payment to the finance company. As a result, the lender contacted me regarding the issue, and I immediately notified the dealership. Unfortunately, the dealership did not respond promptly, leading to XXXX XXXX XXXX XXXX incorrect late notice on my credit report. I have repeatedly expressed my concern to the XXXX XXXX and was assured that they would update the information immediately. However, despite their promises, the error has not been corrected. As of XX/XX/XXXX, I checked my credit report, and the mistake still remains. 
XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX and closed XXXX weeks thereafter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

COMPLETE LACK OF COMMUNICATION FROM MORTGAGE COMPANYI 've had a hardship over the past year and a half, and had my salary cut by over {$XXXX}. Our house was in foreclosure and the redemption period ended XXXX 2015. After submitting all documents requested for mortgage assistance with OCWEN and receiving a letter ( XXXX/XXXX/2015 ) listing all our options with OCWEN, we started the process immediately for a short sale. We had a young couple make an offer on the home in late XXXX early XXXX they were excited and had a significant down payment. Our realtor XXXX XXXX from XXXX XXXX XXXX had us fill out the OCWEN short sale paperwork and he submitted it to OCWEN per their request. He had spoken to OCWEN rep, XXXX XXXX XXXX. XXXX spoke to her in early XX/XX/XXXX-she stated that she would get back to him in 2-4 days. That was the last time XXXX heard from her. XXXX tried emailing her at least XXXX times and calling her and leaving her messages a XXXX times. I also called her XXXX in XXXX and left her long messages-pleading with her to give us an answer one way or the other and that I had children and a wife and needed to know if we could sell the house or stay or should look for a rental home. No response. It 's very frustrating and sad that she could not even call us to let us know anything. I 'm disgusted by the entire process. We 've shut off the gas, electricity and moved out by the redemption date. Still, no response and the house is sitting cold and dark. OCWEN had an opportunity to sell the home and did Nothing. I 've plead with the OCWEN rep, XXXX, to no avail. We were also frauded by a foreclosure company and lawyer in XXXX MI. The MI Attorney Generals Office is conducting a criminal investigation. The lead Investigator is XXXX XXXX XXXX-Supervisor with the Mich A. G. 's office. I am beyond frustrated. 
PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XXXX to the credit bureaus requesting that the XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit card or prepaid card

XXXX XXXX/Comenity Bank I have a statement that shows New balance - {$15.00} due by XX/XX/XXXX. I paid that balance stated on XX/XX/XXXX and XX/XX/XXXX, my account was now paid in full. I then closed my account. Today I received a bill for {$2.00}, it is what they 're calling a trailing fee, that was charged to my account on XX/XX/XXXX. I called them, makes no sense, they wo n't take the fee off. This is soooo wrong!
Product: Mortgage

During a transfer of our mortgage from XXXX XXXX Mortgage to Mr. Cooper a charge of {$600.00} was placed against our mortgage as an Escrow charge. We filed a complaint and Mr. Cooper acknowledged it should have not been charged to us. We made two payments towards that amount that should have BOTH been credited to our principal balance if that charge had been vacated from our loan. Only one payment of {$50.00} has been applied to our principal balance. The other was applied to the {$600.00} to bring the false charge amount to {$550.00} and that charge is STILL being imposed against our loan. Mr. Cooper did in fact, vacate it from XXXX as they stated in our prior complaint 's response, but it is still there in the amount of {$550.00}. It has simply been moved from XXXX charged first on XXXX to " other '' as a lender paid adjustment. No, this is not a credit to our loan but a charge as credits and payments are shown without parentheses and payment reversals and charges are shown in parentheses on the attached form. All Mr. Cooper has done is move the false charge around like a shell game. In addition, despite a TIL request for what the charge was actually for, we have never been given an explanation. A representative from Mr. Cooper has called every few days to see if the 2nd payment of {$50.00} has been applied to our principal but will not acknowledge the {$550.00} still being charged to our loan account.
Product: Mortgage

This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.
Product: Credit reporting or other personal consumer reports

recently encountered an issue with a credit company that mishandled an investigation into a dispute I filed. Initially, I noticed an incorrect entry on my credit report, which I promptly disputed with the credit company. According to the Fair Credit Reporting Act ( FCRA ), under Section 1681 ( b ), they are required to conduct a reasonable investigation of any disputed information. However, the company failed to thoroughly investigate the matter and, after a brief review, they removed the erroneous entry from my credit report. This was a positive outcome, as it improved my credit score.

However, to my surprise, the same inaccurate entry was added back to my credit report shortly thereafter, without any further explanation or clarification. This not only caused confusion but also affected my credit score negatively again. Under Section 1681 ( b ), the credit company is obligated to ensure the accuracy and completeness of the information reported, yet their failure to adequately investigate or correct the mistake led to a significant issue. I am currently working with the company to have the mistake properly resolved and removed once again, as they must adhere to the legal standards for reporting accurate credit information.
Product: Checking or savings account

Today I recived an email saying my account will be closed in 60 do to a account violation. Where the specifc 's are not explain. I was informed that I violated the terms of your account per the client manual. With XXXX explination of what that violation was. This is one of my only checking accounts and I now feel TARGETED after thier action upon thier review.
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 Acct Number : XXXX XXXX Acct Number : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXXXXXX 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

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.
Product: Debt collection

I keep on getting phone calls from a variety of numbers that claim to be from Cashnet USA. This is a scam because I do not have any loans through Cashnet USA. I keep on getting automated voicemails that state this message is for Cashnet USA. Were reaching out to discuss an important matter. Please give us a call back at XXXX or chat with us by visiting Cashnetusa.com and one of our colleagues will be able to assist you.

I have blocked calls supposedly from Cashnet USA from multiple numbers on my phone.

I called customer service for Cashnet USA. I was met with an automated telephone that asked for personal information and I hung up.

I received calls and voicemails 11 different days in XXXX, XXXX times in XXXX, XXXX times in XXXX, XXXX times in XXXX, and XXXX so far in XXXX. 

Some of the phone numbers they called me XXXX XXXX XXXX XXXX XXXX Some dates they called me and left voicemails XXXX : XXXX XXXX : XXXX, XXXX, XXXX XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

Long story short .... Someone stole my money from my account bank. 
The bank only assume last 60 days. but now my account it's empty. It was a complete year of fraudulent transactions. 
..Talking in details.. I had 3 accounts ... the first one, was empty with fraudelent transactions ... when this one was empty the bank move form the other credit accont.. and when this one was empty, they move from my saving ... and never sent me any advice of what this happen.. I feel isnecure, outraged ... Now I was close these acconts. And this crime and the thieves go unpunished ... I can not believe it. 
And costumer serveces from the bank has not answer. The only thing that i see here is the complicity of this bank on this robbery
Product: Credit reporting or other personal consumer reports

I ordered my TransUnion credit report. My report has not arrived in the mail. I have to complain to the Consumer Financial Protection Bureau every time I request my TransUnion credit report. I want my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX {$1900.00} XXXX XXXX XXXX # XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BAL {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$330.00} XX/XX/XXXX Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you