23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following account has just shown up on my XXXX credit report... AWA Collections XXXX not only is this account completely fraudulent and not mine, its also as of 3 days from now not even legally collectable here in the state of California XXXX This is the first I have even heard of this supposed debt four years later! That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 

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

15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an 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 ) ( XXXX ) 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. 

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. This month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Student loan

Please fix recertification date on both loans. Please also check all details of loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX, has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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: Checking or savings account

ON XX/XX/XXXXXXXX  I call for an insurance Quote spoke to a agent name XXXX discuss payments. Having prior insurance back in XXXX  A clinch in there system set up a unauthorized payment in the amount of $ XXXX.I already have car insurance. I was shopping around once I took notice of the payment transaction its been a problem. I ask for a stop payment denied disbute denied money return to my checking account. Deceptively will never work please have money retrun they took from a unauthorized account used back in XXXX.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan was the original serviser for this loan. THe loan was sold TO PHH ANd now XXXX XXXX over two years ago. I have experienced XXXX related challenges that have prevented me from paying my payments to XXXX XXXXXXXX. I received housing counseling, where my HUD counselor pulled my credit. I noticed an item on my report from OCwen reporting my late payments from 2017. I have not been with Ocwen since 2017, therefore should not be making any reporting on my credit. I am now recieiving assistance from XXXX XXXX in the form of a trial modification, which should bring my arrears current. I need Ocwen to stop reporting my delinquency.
Product: Debt collection

As of XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Texas and XXXX XXXX both indicated that all three credit bureaus were notified that the {$500.00} debt that they had attributed to me was in error. While XXXX XXXX had no problem removing the error, and XXXX  had never attributed it to me, Equifax has continuously refused to remove it. I sent Equifax a letter on XX/XX/2020 asking them to remove the error and enclosed copies of the letters from both XXXX and the XXXX XXXX XXXX XXXX Texas which clearly indicated that the debt is not mine. On XX/XX/2020 they sent me a letter stating that they had researched the debt and that it was being reported correctly as a Paid Charge Off with a XXXX  balance. This is simply not the case but they have refused to delete the debt as the correspondence from XXXX and the XXXX XXXX XXXX of Texas indicated.
Product: Consumer Loan

Was offered an extension and was advised by a rep that it would be processed within 24-48 hours. Now speaking with a manager it has been several days since I was told that and now my extension still hasnt been processed.
Product: Debt collection

EdFinancial LLC has not provided information as a government official. This LLC do report to act as a government official. The last complaint they replied to did not mention legal tender received and satisfied as of XX/XX/year>. Debt was satisfied in full as reported. Any and all amount applied after XX/XX/year> is null and void. All debt was tendered in good faith with a negotiable instrument to satisfy the claim. 

UCC 3-311. ACCORD AND SATISFACTION BY USE OF iNSTRUMENT ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, UCC1-308 All Rights Reserved without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my personal information from being accessed in their 2017 data security breach. I was confirmed to have had my personal data compromised by this cyber attack.
Product: Credit card

I have no knowledge of the hard inquires, hard inquiries are a result of identity theft and it must be removed no later than four business days as per 15 u.s. code 1681c-2
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX service, with account # XXXX, This account is a charge off account. According to the FCRA charge off account should be treated as GROSS INCOME. XXXX XXXX XXXX service denied me from obtaining a form 1099-C. I have disputed this account several times with Experian but Experian SHAM the investigation using stall tactics and verified the account as accurate with no proof of documentation therfore I am asking for a proper investigation under the FCRA guidelines. As a consumer I am obligated to a 1099-C form for this charge off account, if you Experian can not provide me a copy of a 1099-C please remove this account from my credit report.
Product: Debt collection

I have written Waypoint Resource Group multiple letters asking them to identify themselves and to give purpose for why they are reporting to my credit. Waypoint has failed to respond to any of my requests for validation. I am a consumer, and the FCRA grants me the right to request validation from a creditor for an account on my credit. They have failed to meet the obligation set forth before them. I also have the right to dispute a debt pursuant to the FDCPA, and they have failed to respond to my dispute, and have continued to report said disputed debt, which they can not validate. They are directly in violation of these two laws that were written to protect me! please use your authority to help any way you can!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, Equifax, and XXXX XXXX via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX  in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate. 
FRAUDULENT ACCOUNTS XXXX XXXX XXXX ( Original creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that this company is reporting a bad debt under my Social Security number to XXXX XXXX and XXXX. I wrote a letter via certified mail formally disputing the account. Per FCRA, The creditor must validate and provide me with proof that the debt is truly mine. Valid proof should include something like a contract signed by me. The FCRA gives the creditor 30 Calander days to respond and provide me with such proof. They have not. The only response I received was a letter stating they would update any inaccuracies with the credit bureaus in 45 days. This is unacceptable and a major infringement on my rights as well as Federal laws that have been broken. Furthermore, no changes whatsoever have been made. The debt is still being reported under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

number XXXX N accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : it also st
ates a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I received an alert on my credit file from XXXX, XXXX  and XXXX  that there was a collection added to my account from a company by the name of Sunrise Credit Services for an  amount due of XXXX the company has not sent no form of validation, sent any information in the mail or anything.Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Product: Mortgage

To whom it may concern, I am in the process of refinancing with Rocket Mortgage or Quicken Loan and but they are taking forever to close my loan. The broker, XXXX XXXX said that it will take 20 to  35 days only to close my loan. I submitted my loan on XX/XX/2020 ; it is now XX/XX/XXXX my loan is far from closing. This is now over 60 days. 

I also want to report I requested to use my own title company where I can get discount but they did not honor my request which I know I am entitled. 

From the beginning I said I told XXXX and XXXX XXXX, I am interested to get cash out but later, they reduced my loan from {$340.00} to {$340000.00} because she said my loan now is not cash out refi ; I was expecting that {$3500.00} will be added on my cash out. However they will not lower my points or interest rate since it is now just straight refinance or without cash out. XXXX said there is no difference. 

The Rocket Mortgage also let me signed the closing documents on XX/XX/XXXX as I am supposed to sign it with notary ; I emailed them that what about if I found something wrong on my closing documents. No one replied to me then when I called, they told me this will help speed the process. I believe this is still wrong as I feel they are taking advantage of me. 

No one can help me expedite the process of closing my loan even I spoke to XXXX, the manager, and fixed the issue from the beginning but he didn't do anything to fix this issue or called me back at all. I don't know how long I will wait to close my loan. 

Sincerely, XXXX
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. 

Account Name : XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name : XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account Name : XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX  : XXXX and list of Inquiries. 


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 inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries. To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. Here I attach, along with the dispute, my fraud report that I just sent to EQUIFAX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 
Best regards, XXXX XXXX XXXX