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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : 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 this item 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, credit repair services, or other personal consumer reports

a hard credit inquiry by XXXX not mine have had same account over 30 years for cable TV never lived in XXXX have been at same address 34 years not my inquiry please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive sent a dispute to recently experian agency about XXXX XXXX  account that was being reported inaccurate through CFPB. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must atleast respond in 30 days, and if they fail, the disputed item is required to be removed. This is fair violation of the investigation methods in which this past 30 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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

I currently have a mortgage serviced by Green Tree servicing ( now Ditech ). They failed to perform an escrow assessment for 2014 which is required by law. I am now receiving demands for payment along with my mortgage that is XXXX % higher than normal. my mortgage payment went from {$1300.00} to {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXXXXXX XXXX. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS CREDIT COLL Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Mortgage

Approved for 6 months of government Homeowners Assistant Fund. Mortgage company has cashed XXXX, XXXX and XXXX payments but have NOT been able to locate to apply to my account. These funds have been approved from XXXX XXXX, XXXX, XXXX were applied with no problems. Ive been contacting my loss mitigations department and mortgage company several times per week since XX/XX/23. Last update I revived yesterday when calling was that it was still being escalated and the check numbers and cashing information was received from HAF - but, they have applied anything to my account as they were still searching for these funds. This is ridiculous! 3 months of escalation getting the check information that they cashed months ago, but yet NO results to be able to apply to my account. Please help!
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$3900.00} FXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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.
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I received a request from BofA on XX/XX/XXXX to confirm my email address for online banking. Since I am not a BofA customer, I called the fraud department to make sure that there wasn't anything open and they assured me that there was not. 
I received a statement today ( XX/XX/XXXX ) for an account that was opened in the name of XXXX XXXX. I called the BofA fraud line and passed the initial screening by using the account number on the statement and the last four of my SSN ( which means that someone does have my SSN ). I am not sure how BofA allowed an account to be opened without ID, but this is similar to the incident I experienced with XXXX in XXXX, XXXX where someone opened a checking account with that same name and SSN.
Product: Student loan

On XX/XX/XXXX after noticing that my payment amount doubled without notice I contacted MOHELA via their online messaging system. I asked them why my payment had jumped ; what income information were they using ; and had they accounted for my spouse 's loans and income. They did not reply until yesterday XX/XX/XXXX. Their reply is a canned response and makes no substantive answer to my question. It falsely states that I provided an IDR  application and that information was used in their determination. I do not recall, and can find no proof of, any such application. 

In addition, when I called their customer service line I was told by an agent that the only way to lower my payment was to submit a new IDR. I completed this application with him over the phone. I now believe that his claims were false. That I was not, in fact, required to submit a new IDR to return to the lower payments and that my SAVE plan payments should be calculated based on my last certified income. The IDR application which I was misled into making my increase my payments over what I should be required to pay.

MOHELA also has repeatedly sent documents to me via their messaging system weeks after the date on the document. For example, I received a letter confirming the new {$310.00} payment amount on XX/XX/XXXX, but the letter was dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never given notification of right, to opt out.
Product: Debt collection

This is the third CFPB complaint I have had to file against this company, all for the same reason, I will not stop contacting me. 

My first complaint was filed after I sent them a debt validation letter in response to their collection letter dated XX/XX/XXXX. They did not respond to that complaint at all. They later claimed they didn't receive it but I sent the letter certified mail and have the signed postcard. 

The second complaint was filed because they continued to call me multiple times per day after they received my DV letter and after I filed the original CFPB complaint. 

In response to these two complaints, they told the CFPB that they would send me validation documents. These were never sent. 

I contacted XXXX XXXX by email ( XXXX ) on XX/XX/XXXX regarding their dishonesty in their response to the CFPB complaints and again requested that the debt be validated. She replied that same day saying they would check with the creditor and verify the balance amount. I responded saying that that was not what I asked for and that I expect them to verify the debt as they are required to do so and as they told the CFPB they would. I also pasted the text of the DV letter I sent them on XX/XX/XXXX. I received no further response and never received any documents from them. I followed up on XX/XX/XXXX by email and did not receive a response then either. 

Today I received another collection letter in the mail from them regarding the same supposed debt. This violates the FDCPA because they have continued contacting me without first supplying me with verification of the debt.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX Opened XXXX BALANCE {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$390.00} XXXX XXXXXXXX XXXX XXXX Reported XXXX BALANCE {$590.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX # XXXX Opened XXXX BALANCE {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX BALANCE {$450.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX {$4200.00} Unauthorized 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 XX/XX/XXXX
Product: Mortgage

Carrington Mortgage Services incorrectly reported a late mortgage payment for XX/XX/XXXXthat adversely impacted my XXXX  credit score by 131 points. 

After contacting the servicer over the phone to inquire about the late payment report, Carrington claimed that they did not report any late payment. I was advised to submit a written query to the Carrington Research Department and informed that I would receive a response in approximately 30 business days.

I submitted a dispute to XXXX  on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I submitted a written request via fax to Carrington Research Department. Further, on
XX/XX/XXXX, I submitted a dispute ( Complaint ID XXXX-XXXX ) to the Consumer Financial Protection Bureau, since to date I still have not received a response from Carrington. 

On XX/XX/XXXX, I received an email notification from CFPB, informing me that Carrington indicated that the complaint lists someone that they did not recognize as their customer or who was not authorized as their customer 's representative and therefore stated that they could not reply. Carrington 's claim is blatantly false. The other party listed in my complaint is XXXX XXXX XXXX, the co-borrower of the loan. 

I made a follow up call to CFPB on XX/XX/XXXX ; spoke with XXXX ( ID XXXX ) who informed me that Carrington claimed that an email address was incorrect or not on file. Once again, this assertion is false. Both XXXX and I provided our Names ; DOB ( date of birth ) ; Social Security Numbers ; marital status ; cell phone numbers ; and email address on the Carrington RMA application form, indicating that all were preferred contact methods.

It appears that Carrington is simply attempting to avoid or to delay replying to my complaint.
Product: Mortgage

I was on a forbearance plan due to Hurricane Irma from XX/XX/XXXX to XX/XX/XXXX, I had {$30000.00} worth of damage to my home. I was placed on the plan by XXXX and was told that they would not report me to the credit bureaus. XXXX   sold my account to Specialized Loan Services XX/XX/XXXX, at the end of my forbearance plan, XX/XX/XXXX, SLS reported me 6 mths delinquent. SLS put me on a 3 month payment plan, loan modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently ran my credit and they have reported that I have been delinquent for those 3 months even though they set up automatic payments to remove them directly from my bank accounts, which the payments were removed before the XXXX of each of those months per my bank statements. When I contacted SLS to ask if they received those payments during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they stated yes, but those were applied to the previous months that I was on the forbearance plan. I asked how that is possible when they told me those 6 mths I was on the plan were put on to the end of my account, they could not answer me and told me that is just how it works. I closed on this house on XX/XX/XXXX, which SLS said that they are aware of, but am unable to get approved by any other lender due to how SLS is reporting my information to the Credit Bureaus. Any assistance that you can provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to any credit bureaus or any agency. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681section 603 ( 3 ) ( E ) States investigative consumer report means a consumer report or portion therefore which information on a consumers character general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report 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 consumers credit record obtained directly from a creditor or the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times the credit bureaus violated my given rights under 15USC 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the right to privacy.

According to : 15 U.S.C 1681 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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 the information is inaccurate.
Product: Mortgage

NewRez keeps asserting that there is no Flood Coverage since XXXX This year they sent the escrow into a negative balance, falsified amount paid and has refused to correct their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter on XX/XX/2022. They have stalled their process without adequate evidence, and they violated my rights as the consumer in accordance with the Fair Credit Reporting Act.
Product: Mortgage

In XXXX, we received notice that are home has increased in value to the point we can have PMI removed. I sent a request to our mortgage company. They denied the request stating we had made late payment. We have never made a late payment, ever. I sent 24 months of payments as did our bank. I sent another letter asking for clarification on XX/XX/XXXX. No response. I have called and keep being told they are working on it
Product: Money transfer, virtual currency, or money service

I have a brokerage account with Robinhood and I hold cryptocurrency in it. I had the Robinhood XXXX  account which I pay a monthly fee of XXXX dollars for it. I downgraded my account to the regular account but Robinhood still charged me the monthly fee of XXXX dollars without my authorization so I contacted Robinhood and requested that they refund me the XXXX dollars monthly fee for the XXXX  account since I cancelled it but they refused and they said I was one day late so I asked them to either refund me my money for the rest of the month or reactivate the XXXX  account at NO charge since they already charged my account but they still refused. Robinhood charged me the monthly fee for the Robinhood XXXX  eventhough I cancelled and I wanted to have just the regular account. Robinhood has the worst customer service and the poorest quality customer service people. They enjoy ripping peoples money off. They have a shady business that needs to be investigated. They charge my account for a monthly fee for the XXXX  service that I already cancelled and when I asked them for a refund they refused to refund me the money or reactivate the XXXX  benefits since they already took the monthly fee without my authorization. The worst company to deal with and the worst customer service and a XXXX  representative XXXX case id XXXX. My account number XXXX  XXXX