23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, certificate of authority to collect in the state of Arizona.
Product: Mortgage

The original mortgage was completely illegal. No one ever came to the house or ever did any assessment. I also recently found out that there was a balloon payment on the loan at the end which the lender withheld this information. The payments never made any sense... we were making an XXXX payment initially on a XXXX. So why would there be a balloon payment of XXXX. Also while holding and paying a huge amount for a pmi my husband was XXXX on the job while at work. The company NEVER helped us to figure any resolution to it. My husband is permanently XXXX now and unable to work hense the lack of payments on his part n as soon as the company found out they modified the loan to a payment wo the pmi. It's my understanding if you become XXXX the XXXX  takes care of the mortgage. When my husband and I split up the court awarded him the home n the mortgage. I haven't lived in the house in 10 years ... I have the court order which says as of 10 years ago this mortgage is NOT mine and I was released from responsibility. To date despite my mailing each new bank that takes over the mortgage the court order they refuse to remove me from this dead-end loan. I signed no modification of said loan and won't bc I should be removed per the court order. Yet they continue to trash my credit w reporting I don't make payments. That's bc the payments aren't mine. I also was never notified the loan had gone into a foreclosure. I was never notified of the court proceedings for the foreclosure. This situation has ruined my life for 10 years n 10 more to come. It's also ruined my xs life n 10 more years to come. He's XXXX n has been... the insurance should have covered the price of the home
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

XXXX XXXX contacted me XX/XX/XXXX about a debt I do not owe to XXXX XXXX they purchased. I contacted my current insurance to fax a letter saying I cancelled properly. I thought it was settled. XX/XX/XXXX they contacted me to collect the same debt that was taken care of my insurance company.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$3800.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experian actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File # XXXX report # XXXX, File # XXXX report # XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

A tree fell on my home XXXX of XXXX, I still am out of my home. The lender placed insurance has been negligent and I received no funds from them. This forced me to pay my storage, pod, and rent ( so, I wasn't homeless ). After getting an attorney a miracle happened and they sent more money. The hold was not removed from my bank account until a couple weeks ago. I was under a trial plan for 90 days. I made the first payment. I was calling to make 2 payments and they refused to take my money. The end of XXXX would have been 90 days. So, they should have taken my payment. 
So, now I get to fight again to get my home. I need to get a trial of 90 days started again with my mortgage. I'm very disgusted to say the least. The insurance company only sends XXXX at a time. At this rate, with my monthly expenses due to being out of my home. It's going to take forever. This is all a big waste of money that I guess they can write off??? I need another trial period of 90 days with my mortgage. 

It makes me ill just writing about this. I really need some help! PLEASE!!
Product: Debt collection

I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to dispute inquiries on my Transunion credit report. I talked with XXXX XXXX and XXXX XXXX on XX/XX/17 at XXXX XXXX central time. They informed me that Transunion does not dispute inquiries and I asked why not since the inquiries are a part of my credit profile? They said because it was a part of their policy not to dispute inquiries but neither could give me a specific policy to validate their claim. I disputed these inquiries based on full disclosure. I stated in the letter that the inquiries I was disputing did not explicitly state that the inquiry would result in a hard inquiry on my credit report. Transunion refused to go further and has already sent a letter a day after receiving my dispute. For that reason, I am filing this complaint for Transunion to do their job and investigate and obtain proof that I was given full disclosure regarding these inquiries.
Product: Credit card or prepaid card

Data breach by malicious parties and personal information stolen for myself and millions more was announced on XXXX. Breach occurred in the XXXX - XXXX time-frame and was discovered XXXX XXXX. Interesting that it took a month to come clean about this. 

Information that came out says this was a simple hack that could have been prevented by adequate security. Since that was not in place and instead an easily hacked system that I can only assume was used to shave a few dollars off the IT budget. 

Since my private information is now up on the dark web or in a torrent I will always need to use credit monitoring and other measures until the day I die. This will affect my ability to pay my rent or own a home, purchase a car, obtain legitimate credit, my medical expenses and of course other consequences I have now way of predicting. 

We have put trust in financial corporations to keep our private information safe. Shirking your responsibilities to the consumer in the most catastrophic way possible is not the way to do that. 

The pursuit of profit may be all consuming but remember you need consumers to use your goods and services, treating them with this level of disdain for their financial security is unacceptable. There are people who 's lives will be destroyed by this. Actual flesh and blood people who are doing everything they can to survive in this rigged game. Meanwhile 'you ' will likely get a bail out.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my Experian, XXXX and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a certified letter to Experian to update my personal information as I noticed in my most recent copy of my credit report that there were numerous inaccuracies report on my personal information. I attached a copy of my Driver 's License, Social Security card and a most recent utility bill that has my name and address on it. 
Experian received this certified letter on XX/XX/2024. I received an email from Experian on XX/XX/2024 indicating that it does not appear that the information was sent directly from me. I have attach all of the correspondence that I sent via certified mail to Experian. I have also attached the email that I received from Experian on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX  Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX bad names XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad addreses XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX now your system did not want to accept my address its wrong becuase I have a utility bill and proof in XXXX thatr my address is correct XXXX XXXX XXXX sqft XXXX XXXX XXXX, XXXX, KY XXXX so I i used the XXXX XXXX in XXXX to register please fix your glitch as well
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 FOUR 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. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

After looking at my credit report I noticed some fraudulent activity. Please remove the accounts from my credit report. They Are damaging my ability to obtain credit.
Product: Debt collection

Rash Curtiss has harassed me since 2015 I have submitted information numerous times i had state covered benefits through california XXXX XXXXXXXX and XXXX of 2015 my family was moving from XXXX XXXX county to XXXX XXXX county California during the inter county transfer this bill was never paid. Done my due diligence on this matter however this has not ben resolved.XXXX XXXX county says they are not responsible although the date falls under coverage for that county. XXXX XXXX XXXX XXXX is the original debtor. This is the only debt on my credit report and should not have been in the first place. i have submitted proof of coverage and still this remains on my credit report. Trying to rebuild my credit at this time this is my only bad mark, on numerous occasions this matter has costed me from gaining credit. I have faxed info to XXXX I'm at a loss of how to resolve this issue Please help me remove this debt on my credit report.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i sent a certified letter to Experian stating disputes to be verified acording to the FCRA on my credit report. I got a response back from them on XX/XX/XXXX. Stating that my accounts where updated. On XX/XX/XXXX, i sent Experian another letter asking the method of verification and check if they had a copy of the original contract ; only to be told they will not re investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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