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

So I sent a letter off on XX/XX/XXXX to remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681 I have the right to privacy. 
Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights. 

This is my only address : XXXX XXXX XXXX XXXX, NY XXXX. 
My D.O.B is XX/XX/XXXX Last 4 of SS # XXXX I sent them a copy of my driver 's license and a current bill attached to the letter. 
I want these 2 addresses listed below to be remove from my credit report. 

Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.
Product: Debt collection

Receive a call from board and park XXXX indicating that I owe money for a providian credit card that was opened XX/XX/XXXX. They stated that my check would be garnished. I asked for something in writing. They said they sent it to me XX/XX/XXXX but I was just contacted on XX/XX/XXXX for the 1st time. They refuse to send me any written communication. I tried to look the company up on the internet and can not locate them. I 'm concerned about whom is trying to make an arrangement me with. Not sure if the company is ligit. They only gave me 4 days to respond with a decision if I was going to pay the remaining debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts and 90 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 18 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$1100.00} ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Debt collection

Discover bank account charge Account : XXXX credit card date opened : XX/XX/2019 balanced own : {$830.00} credit limit : XXXX I do not know about these XXXX account somebody use my information to do all of these! 
i call all the credit burreaus to explain to them the same thing they make me lock my credit file and everything cause i had nerver realy pay attention to my credit untill now i will highly appreciate you resolved these issues for me please cause i dont know these account petal credit card status : charge off Date was opened : XX/XX/2019 credit limit : {$1000.00} balanced own : {$1100.00} Account : XXXX
Product: Credit reporting or other personal consumer reports

Hello, I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via Bridgecrest. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. Bridgecrest sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called Bridgecrest today, XX/XX/XXXX and spoke with XXXX  ID # XXXX, a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, Executive Resolutions Manger, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX  XXXX  XXXX XXXX never late
Product: Debt collection

Hello, I just noticed that I had a debt collector report a deft for a total of {$6000.00} in XX/XX/2024. I never received a XXXX c letter or a letter that providing an exact validation of debt. I will need a purchasing agreement.
Product: Credit reporting 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a car, a XXXX XXXX, several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around XXXX or XXXX, XXXX, in XXXX, VA. I sold it in XXXX, XXXX, in XXXX, TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in XXXX, XXXX. I respectfully request your assistance in having that XXXX Loan acct taken off my records.
Product: Debt collection

The account is from the chase bank where they are trying to collect a debt of XXXX that the insurance must have paid. This loss was due to hurricane XXXX in XXXX where XXXX XXXX was devastated.the evidence is in the date the account was opened
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

Pursuant to 1681 15 USC section 602 A states I have the right to privacy.

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response. 
My information was involved in the XXXX XXXX and are unfairly being reported to my credit report. 
Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; XXXX. XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX - XXXX I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my report.
Product: Mortgage

1 ) The mortgage servicer Mr. Cooper has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 

2 ) Mr. Cooper states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Mr. Cooper has not provided any evidence of this, other than verbal communication. 

3 ) Mr. Cooper then stated that they would assistance and review any Loss Mitigation Assistance options. 

4 ) Mr. Cooper has instead set a sale date of XX/XX/XXXX. Mr. Cooper plans on proceeding with the foreclosure sale, rather than review my RMA application. 

5 ) The actions of Mr. Cooper are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Mr. Cooper violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against Mr. XXXX by not accepting said RMA application. 

This practice violates federal law ( 12 C.F.R. 1024.41 )  which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking. 

6 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by Mr. Cooper and continued to apply and request assistance. However, a foreclosure sale date was scheduled, and assistance denied. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complain aginst equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within XXXX stating the account is accurate, without providing and evidence of a thorough investigation. This practice violates the fair credit reporting act ( Fcra ) 15. U.S.C.
Product: Money transfer, virtual currency, or money service

I was notified by XXXX XXXX XXXX XXXX around XXXX XXXX  XX/XX/19 if I wished to authorize an debit of {$280.00}. Once notified from the credit union, I looked up my banking statement and noticed another transaction of {$450.00} has been processed by Western Union. Upon noticing the unauthorized transaction, I contact XXXX  XXXX XXXX XXXX XXXX and reported the transaction. Then I contacted Western Union about the unauthorized transaction. They transferred me to their fraud department and gave little detail to the transaction except for the individual that received the {$450.00} from an XXXX, Il Western Union location. Western Union did not offer to refund the funds due to the fact that they had been fraudulently paid out. After looking up their website, I noticed an account had to be created to access my account. An individual created a fake account with unknown name and address as well as e-mail with my banking number that Western Union would not tell me who created the account. I then contacted XXXX County Sheriff to make a report of money fraud.
Product: Debt collection

Someone opened a account with XXXX XXXX in my name and borrowed money, in the amount of {>= $1,000,000} in XX/XX/2018.
Product: Credit card or prepaid card

According to my credit card statements, I have been retroactively charged a higher interest rate on old balances. My old balances should only be charged the interest rate which was being used at the time the purchases were made. 

A 2009 law specifically bans retroactive rate increases.
Product: Mortgage

I filed a complaint my # is XXXX I receive some documentation from my Mortgage Company That they must clear up. I am forwarding the document to you after I explain how fraudulent they are. 
This letter dated XXXX XXXX 2015 states they were contacted on XXXX XXXX 2015 for a payment {$850.00} to be made on XXXX XXXX this is FALSE TOTALLY FALSE. The mortgage payment will be paid on XXXX XXXX 2015 IN THE AMOUNT OF {$850.00} TWO DAYS AWAY. I WOULD NOT HAVE CALLED ON XXXX XXXX 2015 to make a payment that is going to be paid through my bank in two days on XXXX XXXX 2015 that is schedule procedure every month. 
On XXXX XXXX 2015 the payment was made through as schedule and arrive at America 's Servicing Company on XXXX XXXX 2015. 
On XXXX XXXX 2015 the Bank fraudulently create an electronic check to my bank for {$850.00}. I was now in the negative and was charged {$30.00}. 
On XXXX XXXX 2015 they again entered the same check and again I was still negative and another {$30.00} charge to my account. 
On XXXX XXXX the check was entered again and I was charge {$30.00}. 
This Electronic check should not have been done they were paid the Mortgage on XXXX XXXX as schedule for my payment each month through the bank. 
Copies of the documents will follow. 
I am so tired of been Harass and threaten by this bank. I purchase this house for my MY PRIMARY HOME DURING MY RETIRED YEARS AND MY MORTGAGE IS MY FIRST AND FOREMOST GOAL. 
I AM EXPERIENCING A FINANCIAL STRUGLE AND I ENTER COUNCELING I REQUEST A MODIFICATION OR REFINANCING AND HAVE BEEN TURNED DOWN ALWAYS. 
MY INTREST RATE IS 8 % AND THEY REFUSE TO LOWER SAME FOR ME. THEY ONLY HARASS YOU AND TREATHENED YOU.
Product: Mortgage

SN Mortgage Servicing ( SN ) claims that we owe a second mortgage with a balance of {$47000.00} ( see attached ). I have advised that we never owed money direct to SN servicing and asked them to prove up the validity of the debt via QWR ( see attached ). SN has refused to respond to the QWR, even after we have made two separate requests. This fraudulent mortgage claim was previously serviced by XXXX   XXXX XXXX ( XXXX ). XXXX refused to verify to validate the debt, which led the case into litigation. XXXX transferred the alleged debt to SN to avoid he consequences of litigation. Since all of my debts have been discharged through a XXXX XXXX XXXX case, XXXX is trying to elude problems with the BK court as well. SN is in violation of the FDCPA, RESPA and HUD law, so I am seeking your assistance on this matter.
Product: Credit reporting

Made payment though automated system. System charged total amount of balance instead of minimum payment. Capitol one refunded amount and during that time placed a 30 days late on credit. Payment was made on time their system charged wrong amount as can be seen by them refunding money. Capitol one refuses to remove 30 day late as it was their system that was in error.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, XXXX Social Security XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXXL on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a collection account opened at XXXX, XXXX, XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX I submitted a complaint with the CFPB against PREMIER PORTFOLIO GROUP ( complaint number XXXX ) and the company responded on XX/XX/XXXX indicating " Our company will close this account, and cease and desist all further communication with the consumer. '' I received a call yesterday XX/XX/XXXX claiming, once again, that " a bad check was placed with their office attached to my name and account number '' telling me to call XXXX which corresponds to PREMIER PORTFOLIO GROUP. Clearly they did not cease and desist communication OR close my account and i'm being hassled by them again.
Product: Debt collection

XXXX XXXX, XXXX, XXXX Debt Buyer Enforcement Action. On XXXX XXXX, XXXX I contacted XXXX as required by this court order, to ask for a refund as consistent with the court order, of payments made by me as a cardholder to the buyers of my debt, citing violation of the Dodd-Frank Act. I have proof of payments made since before and after XX/XX/XXXX. I was not notified by XXXX that it sold my account. I am asking for a refund and a restitution notification letter in accordance with A., B., C., and D. as provided by the CFPB website. The XXXX representative I spoke with on XX/XX/XXXX at XXXX XXXX., told me the account had been sold and that XXXX no longer had any responsibilities to this account. They say they sold it to Midland Funding, who have since sold it to a law firm. No one answers the phones at either of these locations. Can you please help me to get my refund and restitution letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Certified mail to XXXX XXXX XXXX, XXXX, Equifax, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.
Product: Credit reporting

i have submitted to Experian documentations that supports my complaint of fals and inaccurate information being reported by their agency. I have submitted bank statements reflecting correct payments amount being paid to XXXX on this account and a copy of sales contract when credit was established reflecting a {$730.00} down payment. Experian has failed to acknowledge the correct payments being made and the beginning balance in lieu of the false information that they are reporting without any evidence to support their erroneous information. My monthly payment s of {$170.00} are being shown as {$120.00} and the beginning balance as {$3900.00}