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

I recently submitted disputes to the credit bureau Equifax I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted Equifax and was told that there was nothing they could do I have made repeated attempts to contact XXXX  without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report Equifax has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX XXXX  at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report
Product: Mortgage

On Friday XX/XX/XXXX we noticed multiple payments were processed through Mr Cooper mortgage company resulting in our bank account being over drawn {$11000.00}. All day Saturday XX/XX/XXXX we attempted to reach our mortgage company and would get the message due to high call volumes they were unable to take calls, goodbye. I went into our mortgage account and submitted a ticket- no response. I XXXX  their reviews and see everyone is having the same issue and again nobody can contact them. Around XXXX on the XXXX our money was placed back in, but the lack of communication, the fact that this isnt the first time this has happened with this company and how they handled it was completely wrong.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification for dispute initiated on ( XX/XX/2024 ) and the subsequent response received. 

RE : XXXX XXXX XXXX Mo debt, XXXX Please send the following information used to verify of XXXX XXXX XXXX XXXX debt XXXX. 

1 : The name of the original creditor 2 : The creditors address and telephone number 3 : The persons name they verified the dispute with 4 : The documentation used to verify the dispute 5 : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.
Product: Debt collection

I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand
Product: Credit reporting or other personal consumer reports

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Multiple repeating unauthorized inquiries that have failed to have been resolved. I NEVER GAVE PERMISSION FOR INQUIRES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inquiries are being ran without my consent ever few months and have not been removed from my account when asked
Product: Credit card

I am writing your agency because I did a complaint previously in here regards some charges on my Capital One card, case #  XXXX , about  XXXX  disputed charges from the merchants  XXXX  and   XXXX   XXXX  . I got a response and it says that the merchants responded to the dispute notice and based on the information they received, the merchant 's decision not to honor my refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. In resume they denied because they are saying they sent a copy of the merchant 's cancellation policy, the point is if they DID NOT provide the services that I paid for, then none of this cancellation p olicy matters.They calle d me unsolicited, pushed me their services as needed and now they did not deliver it. So I am looking for my refund as they were incapable of do the work that I paid them to do it. The reason why I started the dispute is because the services were not rendered by the companies, I did authorize the merchants to charge my card, but I did not receive the services that I was led to believe that I paid for. They made me a bunch of promises and they did not fulfill with their end of the deal. I am very upset because my bank is not even trying to understand my situation. I tried to open a dispute right after the charges and it seems like they are ignoring the fact that I got scammed by these scam artists. All I am asking is the chance to open a dispute. I tried to resolve with the merchants but they do n't respond my calls. All I want is my money back. Even if they tell me they did work for me now it is too late, since after I paid them I could barely get in touch with them or get any straight answer from anyone.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/year> My social security number has been compromised from the social security breach that occured in 2024 access to the National Public Data .
Product: Student loan

Nelnet is my student loan servicer. I have recently called twice and asked to speak to a supervisor. The representative usually put me on a hold for about 10 minutes and comes back saying there is nobody available and will receive a call back. I have not received the two call back request Some of my student loans were discharged recently, however, the interest for those loans were not discharged.

Nelnelt added approximately {$28000.00} to my loans whiles in COVID 19 forbearance with zero interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  XXXX XXXX Department of education # XXXX XXXX XXXX XXXX  # XXXX Us department of Ed/XXXXl # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX
Product: Checking or savings account

In 2020, XXXX, I called CHASE to canceled my premiem accout service. This service asked me keep high balance in saving and checking account, if banlance coul n't reach bank 's amount, i will be charge {$25.00} per month from my checking account. I told customer service canceled it, and down grade balance to the minium level. But the crm just CHANGE the service, and charge fee is moved form checking account to saving account. It charge me {$200.00}, until the month i found my saving account was charged. 
I called CHASE CRM, asked refund and let them know they make mistake. But they made their FAULT AS A BUSINESS, they agreed to return my 4 months charge, others I had to wait theri responce. They said {$100.00} will return to my account, but it didn't.
Product: Debt collection

I do not believe the IC systems debt that is reporting on my credit report is valid
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate.

This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Account Number xxxxxx XXXX Balance {$13000.00} XXXX XXXX  Account Number XXXX XXXX Balance {$3000.00} XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$0.00} XXXX XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$700.00} XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Balance {$940.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on these accounts being furnished on my consumer report in fact inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnishers of this information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted :
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; Pioneer Services continues to compromised credit scores along with creditworthiness. Correspondence sent from Pioneer regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of five dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, Pioneer Services continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; Pioneers   illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.
Product: Credit card

I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I had gotten a phone threw XXXX XXXX they did a soft pull on my credit at that time. I took the phone back because my son would not pay the bill there were no outstanding fees. I have been trying to secure a mortgage my mortgage broker knew my lease was up in XXXX and we were trying to secure a mortgage, On or about XXXX XXXX XXXX XXXX XXXX XXXX did a hard pull on my credit which was not authorized. I believe that rocket mortgage somehow orchestrated the hard pull, to knock down my XXXX and put them in a position to charge a higher interest rate on the mortgage. Due to the setback, I must rent for another year, and I will incur XXXX in extra monies paid towards rent instead of equity going into a purchase of a home, I want to find out who is behind us and I want to see them punished, XXXX said they do not do hard pulls at any time. I did contact them, they were not authorized to do a hard Pull, nor was anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX send me a complete report XXXX attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for XXXXExperian Consumers form that is on each dispute completion that clearly states that XXXX provides public record information to credit bureaus. The entire report is XXXX pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX, Oklahoma XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Legal department Formal Dispute of Fraudulent Accounts Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Dear Transunion I only have One Name : XXXX XXXX XXXX XXXX Only ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Oklahoma XXXX XXXX Only ) Any other PII that differs from this information is fraud. Please Remove Any other name or address from my FICO consumer credit profile. 

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately reported by Transunion. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents. 

The fraudulent accounts that I do not recognize are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report. 
2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid.

3. Blocking of Fraudulent Information : In accordance with FCRA section 605B, I request that Transunion block this fraudulent information from my credit report within four ( 4 ) Business Day of receiving this letter. 

Transunion Legal Obligations I previously disputed # ( XXXX ). these fraudulent accounts on XX/XX/XXXX for the second time, but you failed to provide any Proof of Ownership of the debt in question, within the 30-day investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts. 

Additionally, Transunion has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me. 

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit. 
A copy of my government-issued ID. 
A copy of my proof of address. 

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Santander Consumer USA Asked to stop all contact with me. I am still getting phone calls and mail. Also reporting to all 3 credit agencies without my permission.

USC 1692 C ( C ) All communications must be ceased.

FCRa section 6o5b No permission was was giving to put anything on my credit report.
Product: Debt collection

Please review my reports. I noticed the creditors are not cooperating with the requests I need to remove these inaccurate accounts from my credit.
Product: Credit reporting or other personal consumer reports

Dear FTC and CFPB, XXXX XXXX XXXX XXXX XXXX XXXX Illegally harassed and hazed XXXX tenant applicants on Housing Urban Development Statistics. 

They have been issued a official complaint number by the Health and Human Services Administration which is illegal for appeal to the Department of Defense. 

They attitudes and disfunctional viewing processes stole information from my bank with M & T, they used lures like saying they tried talking to M & T and they never answered when we never signed an agreement into detail that they are allowed to speak or act on behalf of my finances as they are not entitled to that position ( XX/XX/XXXX Continued ). 

I have a background in Homeland Security, Criminal Courts, Family Court and Superior Court Civil and have never witnessed such a destructive set of individuals they call landlords. 

It is my recommendation Veterans Affairs, Consumer Financial Protection Bureau and IRS XXXX XXXX along with the XXXX before a full census audit against the agency for stealing information through illegal credit reporting screening, which XXXX injured me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

passed Kristen 's Law, which specifies controlled substance delivery resulting in death, carrying a penalty of up to life in prison This chapter focuses on the Hobbs Act ( 18 U.S.C. 1951 ) which prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce. 

Anti-Racketeering Act of XX/XX/1934, which Congress initially passed to combat the use of interstate commerce M & T should have never released information to this company without my permission nor should XXXX be Instigating Housing Applicants from Obtaining Housing in a Reasonable 30-60 Window Period. They are Herby flagged with XXXX XXXX XXXX XXXX under Statue 40-11-5 and prohibited from Contacting XXXX XXXX again for Any Reason ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. This account is hurting my ability to obtain credit.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

Wells fargo dealer services
Product: Debt collection

I paid this account back in XX/XX/XXXX with collection company called Credit MGMT XXXX XXXX on behalf of XXXX cable. And they stated that they will have this item out of my account within 30 days. Now it is XX/XX/XXXX AND THIS ITEM STILL REPORTED ON MY CREDIT REPORT PLESAE HAVE THIS ITEM REMOVED! THANK YOU SO MUCH
Product: Debt collection

the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished this account that we did not argee upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collectior to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate