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

XXXX  is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...
Product: Mortgage

United Wholesale Mortgage increased my monthly payment without notification. Because the payment is automatically deducted from my bank account, it created a risk of overdraft. 

On XX/XX/XXXX, I spoked to two phone reps. One of them told me that, because I have selected " paperless, '' that I would have received notification through the website. I explained that I have not been able to log onto the website, even after I saved my login information. Additionally, I expressed the absurdity of a policy that would hold me responsible for checking the website for an increase in payment that I am not expecting. 

A second phone rep attempted to help me log on and failed. A passcode was sent to me through the phone and the log on still failed. Then, the phone rep told me that someone would call me. To this date ( XX/XX/2021 ), no one has called. 

My first complaint about the log in process occurred in the first couple of months of the UWM loan. The phone rep at that time insisted that the log in problem was due to some failure on my part and hung up on me when I expressed my anger with her. 

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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

A police report was submitted to ALL three bureaus ( Equifax, XXXX, and XXXX ) XX/XX/2022, regarding identity theft regarding the following accounts : XXXX XXXX, Balance : {$3100.00}, XXXX XXXX : Balance {$1200.00}, XXXX XXXX Balance {$460.00}, XXXX : Balance {$260.00}, XXXX XXXX : Balance XXXX, XXXX XXXX XXXX Balance {$300.00}, XXXX : Balance {$250.00}XXXX XXXX XXXX XXXX XXXX {$400.00}XXXX XXXX  : Balance {$450.00}, XXXX : Balance {$100.00}, and XXXXXXXX XXXX {$670.00} XXXX removed accounts within 30-days, while Equifax and XXXX have neglected to conduct a thorough investigation. Due to neglect, and it is XX/XX/2022, and no investigation results have been mailed to me. 

Per 15 USC 1681 B ( a ) 2 This law states that no one can furnish information on your consumer report without my written instructions. 

Per 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I sent out a letter certified on XX/XX/year> disputing the inaccurate information that was reporting on my credit report as collections open accounts as well as inquiries that were produce without my authorization there was an alleged that in the amount of {$370.00} that were made out in my name as a open account status that is reporting to my credit report I asked clearly that this matter be investigated and be deleted from my credit report. The FCRA requires credit reporting agencies to report consumer credit information accurately, fairly, and in a timely manner., and The FCRA protects the privacy of information in consumer credit bureau file and also give the consumer the right to dispute inaccurate information as well as accounts in alleged debts.
Product: Credit reporting or other personal consumer reports

I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Representative, I am filing a formal complaint against XXXX for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) in response to my repeated requests for debt validation concerning account numbers XXXX On XX/XX/year>, I sent a written request to XXXX, exercising my rights under FDCPA Section 809 ( b ) to request validation of the alleged debt. I requested the following information : The name and contact information of the original creditor.

The original account number and any relevant account information. 

The date the alleged debt was incurred and the date it was assigned to their agency. 

Documentation proving their authorization to collect this debt.

Verification of the amount owed.

A copy of the security agreement to verify it hasnt been cashed or traded. 

Their bonding information, XXXX, and XXXX & XXXX XXXX. 

Confirmation that the statute of limitations has not expired. 

Despite my request, XXXX has failed to provide the requested documentation or validate the debt, yet continues collection activities. This failure to validate the debt and the continuation of collection efforts are clear violations of the FDCPA. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with federal debt collection laws. I have attached copies of my correspondence with the company for your reference. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IL XXXX XXXX BANK XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting

There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. 
CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting

I have sent the attached letter and attachments to each of the credit bureaus, XXXX, and XXXX XXXX XXXX, original counsel for XXXX and the law firm that sent me the copy of the Release of Deed of Trust. My letter explains my issue which is the outstanding balance for a short sale that occurred and was closed in 2010 still remaining on my credit report. I have recently been turned down for a loan due to this remaining balance appearing on my credit report. I spoke to one of the credit bureaus and they said I had to contact the lender because they only report what they have been given by the lenders. I am now working with another lender to approve a construction loan for me and they have indicated that I may need to get an attorney. I would prefer not to incur this cost or time delay and therefor I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized EXPERIAN XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please remove Inaccurate Reported Late payments and update account to paid as agreed. 
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please Update to Never Late XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please Update to Never Late XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please remove Inaccurate Reported Late payments and update account to paid as agreed. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all 3 bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police report!
Product: Credit reporting or other personal consumer reports

I do not have any affiliation with the listed creditors or inquiries.
Product: Credit reporting or other personal consumer reports

Innovis, XXXX, & XXXX continue to report incorrect information on my consumer report my name is XXXX XXXX And my address is XXXX XXXX XXXX, MI XXXX there should be no other names or addresses listed on my consumer report.
Product: Debt collection

I received a letter from Paul Michael Marketing without ever having received a bill from XXXX XXXX XXXX, which had forwarded the collection agency my information. I called Paul Michael Marketing and was unable to get through to them after many attempts. Several months later, I received a bill in the mail from a medical lab for {$14.00}, which I paid immediately. The bill had been lost in the mail and I had not been contacted to pay in any other way. This has tarnished my credit score at no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : XXXX XXXX sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..
Product: Debt collection

I financed a mattress and box spring from West Creek Financial last year I set up two payment arrangements on my account and both time WestCreek Financial, canceled my payments. Now its on my credit report as account closed and now trying to get me to settle the full amount at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

My tax lien was released in XXXX, I attached proof. 

XXXX and XXXX deleted this Public Record from files. 

I contacted Equifax several times trying to dispute this record, they simply ignore it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$250.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that since XXXX of XXXX, Lexis Nexis furnished information regarding a bankruptcy record on my consumer report & is in direct contravention of the Consumer Right to Privacy as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose. The Congress emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and a profound respect for the consumers right to privacy.

Failure to comply with the aforementioned statute exposes your agency to potential legal action. According to 15 U.S. Code 1681n, any willful noncompliance may result in civil liability. I want to emphasize that I am prepared to pursue legal recourse in small claims court in my city and state should the bankruptcy record not be promptly deleted from my consumer report.
Product: Student loan

Every year I contact Navient Rate Reduction Program, I struggle to make the payment and currently my hours have dropped to 8 hours a week. My hours have been sporadic. I went two weeks without any hours. I have taken out cash advances on my XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards in order to make the payments. These are things I 've explained to them, well there are no more cash advances available and I ca n't sign up for the Rate Reduction Program for XXXX 2018. I need a forbearance. Why is n't there an extension for XXXX who 've fallen on tough times, but have been paying for years as part of their rate reduction program? I 've chosen paying this loan over buying food. It 's been tough and mostly because I 'm trying to get a XXXX XXXX in XXXX, I know that a defaulted loan on my credit report would disqualify me from so many careers. It happened the last time when XXXX XXXX reported me late, a company rejected me just based on my credit report after 3 job interviews.
Product: Mortgage

I was attempting to modify my mortgage due to financial hardship. I took the steps in submitting paperwork as advised by the bank only to be told that I didnt even qualify for a modification because I had already received a modification previously. Due to this, I lost my home to foreclosure.
Product: Debt collection

I have not had an account with XXXX XXXX XXXX for at least XXXX  years. I am a XXXX customer currently, and have been for some time. 

In XXXX of XXXX, XXXX XXXX XXXX started contacting me - calling me several times a day, sending emails, etc. threatening to take me to collections if I don't pay my debt. 

As I didn't have an account with XXXX XXXX XXXX, I assumed it must be scammers. 

I did answer one of the calls, and was told repeatedly by a lady who barely spoke XXXX that she couldn't talk to me unless I gave her my PIN. I told her that I didn't have an account with XXXX XXXX XXXX, and therefore didn't have a PIN, but she kept insisting until I hung up on her. Scammers for sure, I thought. 

Well, some time later, I find that XXXX XXXX XXXX has sold this " debt '' to a collections agency, Sunrise Credit Services. This also caused a collection to go on my credit report, dropping my credit score by about XXXX points. 

I contacted all three credit bureaus, and disputed the collection. XXXX wiped it from my record within a day or two. XXXX has yet to respond. XXXX has now denied my dispute, saying they " verified the debt was mine ''. Which is literally impossible because IT IS NOT. XXXX is either lying and participating in this fraud with XXXX XXXX XXXX, or they're too lazy to do their jobs.