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

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX bank XX/XX/XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX  not mine 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 repot containing any of the following items of information Any other adverse item 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 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: Debt collection

Repeated calling my number with an automated phone number. 
I have never been able to talk to a real person. 
I do not owe any outstanding debts.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX loan on XXXX XXXX I was paying the loan every month until I fell behind by two payments. 
I want to settle this account and every time I call the collections department someone picks up and hang up. 
This is my second complaint in this month. My main concern Im paying XXXX every month and the in thing thats being applied to the principal is XXXX Its almost a year and I still owe XXXX this is ridiculous that a company like this can get away with charging people triple. When I complained in XX/XX/XXXX I provided proof of the loan, but the company came back and stated that I borrow XXXX in XXXX thats a lie. And cfpb closed the complaint. They never asked for there proof or anything. I need help with this company
Product: Payday loan, title loan, personal loan, or advance loan

I want to make a complain for ONE MAIN FINANCIAL because they charged off my loan with them they didn't send me 1099-C about this debt was cancelled or not...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXXXXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C Section 1681-2 ( a ) and ( c ) and 15 U.S.C section 1681-B, to demand the immediate removal of the accounts listed here and on my reports. These accounts were added without my written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Unauthorized Hard Inquiries Not Authorized : XXXX 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

Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX  and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act, XXXX XXXX Account has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a customer reporting agency can not furnish an account without my written consent 15 USC Code s1681 A definition of rules of construction exclusion except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report.
Product: Debt collection

I contacted Flagship Credit Acceptance on XX/XX/2023 regarding a negative account listed by the credit reporting agency I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor never responded.
Product: Mortgage

We have currently applied for a loan modification  with SPS,  on  XXXX / XXXX /   2017  at  XXXX  is when our problem had first occured when the lender had asked for the home owners proof of occupancy as in a utility bill. ON  XXXX / XXXX / 2017  at  XXXX  we  sent over the document that was requested and also spoke to someone at SPS that advised us they have received our document and our account was now with the underwriting team pending further decision. Now on the same day eight minutes latter SPS call s our phone and ask for the same document they just told me they received and is being review? So we had sent it again with no complaint on the same day  XXXX / XXXX /   2017  at  XXXX . Now we let a couple days go by and we receive another call on  XXXX / XXXX / 2017  at  XXXX  requesting the same utility bill arguing we had never sent ir before so of course again it was sent into their office via fax. This same issue continued with them asking for this document and then saying it was not received on each and every single one of these dates  XXXX / XXXX / 2017   XXXX ,  XXXX / XXXX / 2017   XXXX /2017  XXXX ,  XXXX / XXXX / 2017   XXXX  until finally on  XXXX / XXXX / 2017   XXXX  SPS called in with a denial for the modification stating we failed to send in the required documentation needed and also stating they had no records of communicating with us or receiving anything that was needed to push this to the next step.
Product: Debt collection

For the past couple of weeks, XXXX XXXX has been texting and calling me and my family from different phone numbers about this alleged debt that was never validated. I was never given notice of the alleged debt nor given the opportunity to dispute this information. When I requested for the statements to be mailed to me, they demanded that I must pay over the phone first. They also said that they will not stop contacting me and my family until I pay them. I told them several times that they are in violation of the Fair Debt Collection Practices Act by harassing me and my family with incessant texts and calls. After informing them, they became hostile and said that they will not stop calling once I pay. Just today alone ( XX/XX/20 ), I received these communications : - XX/XX/20 at XXXX PT : Received text from XXXX to call XXXX about issue reference # XXXX - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt I was emailed this validation letter, but it's missing these key statements as outlined in the Fair Debt Collection Practices Act : - A statement that unless the consumer, within thirty days after receipt of the notice, disputes the  validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; - A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and - A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
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. XXXX, XXXX, also Equifiax 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 accurate.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Re : Dispute of Incorrect Collection Account Reporting XXXX XXXX XXXX  Account Number : XXXX Collection Account Reporting on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding a collection account reported on my credit file that does not belong to me. Despite my attempts to resolve this matter with the credit reporting agencies, the account continues to appear on my credit report, and my dispute has not been properly investigated or resolved. 

Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Balance : {$3100.00} I have reviewed the information associated with this account and discovered several discrepancies that clearly show this account is not mine. First, the Social Security Number ( SSN ) reported with this account is not my SSN. This is a critical issue, as it indicates that the account belongs to someone else entirely. Additionally, I have never lived at the address listed in connection with this collection account. 

I have attempted to resolve this issue with the credit bureaus ( Equifax, XXXX, and XXXX ), but despite my dispute, the credit bureaus have failed to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have requested that they verify the information and remove the incorrect entry from my credit report, but they have either ignored or inadequately addressed my requests. 

As the account is clearly a result of incorrect reporting, it is causing significant harm to my credit score and financial standing. This is a violation of my consumer rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to : Investigate the situation thoroughly, including the Social Security number mismatch and the incorrect address associated with the collection account. 
Ensure that the credit bureaus properly remove this collection account from my credit report as it does not belong to me. 
Hold the credit bureaus and XXXX XXXX XXXX accountable for failing to conduct a proper investigation and for continuing to report this erroneous information. 
I have already taken the necessary steps to dispute the account with the credit bureaus, but my dispute has not been resolved. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please let me know if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account I was never late for. Consumer reporting agencies have assume a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three credit cards with Capital One Bank. I was recently out of work due to the pandemic and was not able to make payments. I spoke with them and got my cards up to date, and asked them could they please remove the late payments that were reported to my credit report, as I thought the government asked creditors not to report late payments due to the outbreak. Capital One informed me that they could not remove the late payments. The late payments occurred in the months of XXXX And XXXX of 2020 on all 3 cards. Im looking to have these late payments removed from my credit reports as it is damaging my score.
Product: Debt collection

I sent a validation letter to PMAB thst was received in their office on XX/XX/2020. They sent me a response back and it contained some very sensitive information ( HIPAA violation ) I didnt receive and signed consent documentation. They went as far as changing the account numbers on the correspondence to a number other than what they are reporting on my credit report with all 3 Bureaus. The amounts they are reporting are the same but the illegally changed the number bc they knew I was disputing the validity of the debt. I have file a complaint with the XXXX  and I am also in the process of consulting legal counsel. This company is awful and are their business practices are illegal.
Product: Money transfer, virtual currency, or money service

My cash app account was locked after my friend tried to send money it's been this way for over a month and no response from cashapp my children are doing without because of this XXXX..
Product: Mortgage

In XX/XX/2023 I asked for assistance provided everything they needed and they never provided assistance keep changing my mortgage amount I have a high insurance and they improperly calculate my taxes on my mortgage. 

Harassment continues they keep calling every day asking to speak to my mother when they know I handle all the finances. 

Every month my mortgage is a different amount. Every time I call I get a different person and theyre not educated on mortgages!
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, ALSO PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IAM A VICTIM OF IDENTITY THEFT.
Product: Checking or savings account

In 2021 I opened a Square account for my business to process credit card payments. On XX/XX/2021 I received an email from Square Inc. notifying me about account deactivation. I was not given any details, or a contact method to reach someone at Square. All my attempts to email or call failed. Not only this impacted my business tremendously, especially that we were at the beginning, and needed at least some notice in advance, but also Square placed a hold on our funds - {$2000.00} that we processed earlier in sales. The hold was for 90 days- which is above any normal term of transaction hold- until XX/XX/XXXX, XXXX. Additionally, on XX/XX/XXXX, XXXX sent another email saying that there will be an additional hold of 30 more days. The way Square communicates with their customer is unacceptable. It is a one way communication, without giving an option for questions or dispute. Also, the hold times is ridiculous and reasonless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware that Service Finance Company LLC dba Service Finance XXXX XXXX Texas placed on my credit report a remark that says " affected by natural disaster ' ear marking the fact that I was being given relief due to the COVID 19 situation This was completely opposite of what XXXX at that company ( XXXX ) told me on XX/XX/XXXX when I called and spoke to him and told him I wanted to avoid any damage to my credit rating I called the company again on XX/XX/XXXX and spoke to XXXX who refused to remove the remark from my credit report XXXX ( employee id # XXXX ) said The Fair Credit Reporting Act of 1970 permits them to let others know I am unable to pay the account right now. 
I was and continue to ask that they remove this negative comment in accordance with The CARES Act because I was current on the account prior to the XX/XX/XXXX payment due date, have always paid more then the minimum due and was not in default, have been unable to work since XX/XX/XXXX due to the Corona Virus and they granted me 120 days to make the next payment in accordance with their pandemic relief policy XXXX refused to remove the remark, threatened to take back the 120 day relief granted, refused to give me the name of the company Resident Agent so that I could address this matter directly and spoke to me in a demeaning manner