23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It came to my attention, after checking my credit report, there appears an hard inquiry on there through Equifax consumer reporting agency and communication with XXXX XXXX XXXX XXXX I disputed this very quickly, and I asked the customer service representative, why is this on my consumer report? Then I informed the representative, according to the FCRA this is a violation of 15 U.S. Code 1681a. The section concerning the communication of information of common ownership or affiliated with corporate control. According to the regulation, such communication is permissible only if it is clearly and conspicuously disclosed first to the consumer, and if the consumer is given the opportunity to opt-out prior to the communication of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have disputed these collection accounts with XXXX XXXX XXXX XXXX several times and the only solution they have is to add more money on the balances. This is not the thorough reinvestigation I was looking forward to. After failing to meet their legal obligations under the FCRA, I would honestly like for this collection agency to DELETE these collection accounts from my credit report immediately. I have also reported this company to my state attorney generals office for their ignorance of reporting misleading information to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXXXXXX XXXX would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXXXXXX on XXXX, XXXX, & Equifax.
Product: Mortgage

Dear CFPB, Please Help! The XXXX XXXX  XXXX IS FORCING A FORECLOSURE and is REFUSING TO POSTPONE My Foreclosure Sale Date of XX/XX/2019 even though the XXXX XXXX XXXX has APPROVED MY SHORT SALE!! '' In addition to FORCING A FORECLOSURE, XXXX XXXX XXXX is also REFUSING to accept fair market value for a current contract of sale, and Trying to force a buyer to purchase the property above fair market value by scheduling a Foreclosure Sale Date of XX/XX/2019 if buyer does not accept the inflated valuation. 

Thank you for any assistance you can provide regarding my complaint. 

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

XXXX data breech victim and fighting to have negative items removed. Please hold experian, XXXX and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX! 
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same. 
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 I have a hard inquiry on my credit report from CBNA. I had not authorized an inquiry, requested credit limit increase or any such action on my accounts.
Product: Credit card

Subject : Complaint Regarding Zales Credit Card Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. 

I am writing to express my concern regarding an issue with my Zales credit card account, which was paid off on XX/XX/year>. Despite the account having a XXXX balance, I have noticed that interest continues to accrue. Additionally, it has come to my attention that Zales has reported a late payment to the credit bureaus, which is negatively affecting my credit score.

Zales has offered a credit to my account, but I feel the money should be reimbursed to me since the account was paid in full. Furthermore, Zales has stated that they will notify the credit bureaus to remove the delinquent payment assessed to my account. However, I am still seeing the negative impact on my credit report. 

Could you please explain the continued interest charges and clarify why the late payment was reported to the credit bureaus? I would appreciate it if Zales customer service would review my account history and take the necessary steps to rectify both the interest charges and the incorrect reporting to the credit bureaus. 

Thank you for your prompt attention to this matter. I look forward to your response and to resolving this problem as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX  and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX  which is XX/XX/XXXXcase # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research
Product: Debt collection

American Express Global Collections, Like many, at the onset of COVID-19, I was let go from my place of employment. We are barely able to keep a roof over our heads, food on the table, and keep essential utilities connected. 

1 ) American Express sent me several emails offering varied methods to pay off my remaining debt, and I responded. My first response email stated I wanted to take advantage of said offers. I informed American Express Global Collections that I am unemployed, actively looking for work, and scheduled two interviews, indicating the companies. The following email I received from American Express Global Collections was that they had received my email and have forwarded my email to a specific department ( the name of the particular department was not provided in the email ). I never heard back from the unnamed specific department American Express Global Collections had forwarded my email. 

2 ) A few weeks later, I received another email from American Express Global Collections. They were again informing me of the same repayment options that were mentioned in their first email. However, this time, I had accepted a job offer with XXXX, but I did not start my new position of XXXX XXXX XXXX  XXXX XXXX position until XXXX. I sent American Express Global Collections a response email, indicating precisely what I stated above in this complaint - informing American Express Global Collections that I do not start my new job until XXXX. After I receive my first paycheck, I will pay off the account in Full ( one lump sum ). American Express Global Collections responded to an email, saying the same thing as mentioned in number one ( 1 ) of my complaint- stating they will forward my newest email to the same unnamed department within American Express and follow up with me. Again, the unknown department within American Express did not reach out to me. 

3 ) Shortly after the second set of emails with American Express Global Collections, they sent another email - unrelated to the two previous sets of emails mentioned in number one ( 1 ) and number two ( 2 ) of my complaint. The third email from American Express Global Collections informed me that my account had been assigned a Debt Collection company called XXXX XXXX XXXX XXXX ( XXXX ). 

4 ) XXXX XXXX XXXX XXXX ( XXXX ) sent me an email today, XX/XX/XXXX, at XXXX XXXX, attempting to collect the said debt. 

I don't understand why American Express Global Collections sent my account to a third-party debt collector when it was evident that I would be paying off my debt in Full, in One Lump Sum, as a XXXX XXXX XXXX XXXX XXXX  after my first paycheck with XXXX.
Product: Debt collection

I contacted Receivable Collection Services , LLC ( RCS ) on XX/XX/XXXX around XXXX XXXX. to obtain a copy of the latest communication that was sent to me. The latest communication* was misplaced by a family member. I requested that a copy of the communication be sent to my email and also via regular mail. The customer service representative ( csr ) stated she would send the communication. Note : To date I have not received a copy. During the conversation with the csr, she stated that RCS received an email with a lot of questions from another person ( see attached email ) and that RSC did not respond because the email was not from me. I explained that my email was not working and I sent the email using someone elses email. The csr responded that RCS could not respond to the email because RCS did not know if the email was from me.

If there was any question regarding who the email was from, RCS could have responded to the email and stated they needed proof of my identity or they could have sent me a letter requesting verification. The email ( dated XXXX  ) contained questions that I need answers to so that I can be fully informed of the validity of the debt. 
* I believe the latest communication was sent in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts have been disputed several time through out 2021 last disputed XXXX/XXXX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the 3 credit bureaus XXXX XXXX XXXX Status date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX XXXX XXXX  XXXX there are 3 different accounts listed for Transunion and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not XXXX  years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
Dept of EdXXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed
Product: Credit reporting

My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX
Product: Debt collection

Credit bureau still reporting the accounts as a " Charge-off '' accounts were paid and the company agreed to removed or changed the payment status " Charge-off '' from all my credit report. Credit Bureau never deleted, They company instead updated my payments history and never sent me a 1099 form for my taxes, which I have been requesting since XX/XX/year>. I have sent letters to the credit bureau and company, and they never sent me what i am asking for. Company sold my debt to another debt collector which I don't have any information and still keep reporting in my credit report and updating the debt after it was paid /settled.
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX 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, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the reporting of the information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX DEPTEDXXXX  XX/XX/XXXX
Product: Debt collection

A loan account by XXXX XXXX has either been fraudulently opened and inaccurately reported on my credit report. I have never had a loan or even opened an account with XXXX XXXX. The collection is for the amount of {$420.00} and is being reported by a debt collection agency called Credit Corp Solution. I have no knowledge of this account and need it removed from all three credit bureaus. This fraudulently opened/reported account is negatively and unfairly effecting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested a 1099c I requested a validation of ownership and was the company bonded in the state of Ohio No reply
Product: Consumer Loan

American eagle finance in XXXX Indiana first and foremost charges to much interest plus the Manager came to my job XXXX this Co is out of hand I want them shut down I want a class action suit brought agents them They keep calling my job I 'm done please do something look on XXXX about them now they are sueing me plus finance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items with Equifax & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like Equifaxed got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, Equifax and XXXX  and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

On XX/XX/XXXX DCI credit services was recovered a Judgement against me for collections. I had paid {$180.00} at that time. I was then XXXX from XXXX in various XXXX, XXXX and XXXX until my release in XX/XX/XXXX. During that time I had no real income or contact from DCI credit services nor have I received any contact from them prior to the wage garnishment. I have been living in XXXX since my release and attending college and during the off time have been filing for deferment on my college loans. I have not received any contact from DCI credit Services until I received the letter stating that my checks will be garnished in the amount of XXXX % to pay off a remaining balance of {$3600.00} for debts owed to XXXX College and XXXX in XXXX XXXX. Student loans are not in collection or in repayment while in school or is under a deferment which I have been consistently registered and attending XXXX College and XXXX College, the times I was not enrolled I was under deferment. DCI Credit Services did not contact me at any time between XXXX and the time of the Garnishment. They said they sent XXXX letter out in XXXX ( never specified which ) in which I did not receive. The supposed debt form XXXX care show up as closed in my credit history report as of XXXX of XXXX. Yet they are trying to collect on a closed debt. I had no contact from XXXX until the present garnishment was put into place. I had contacted DCI credit services to see about having the percentage lowered from the max of XXXX % per paycheck and was told they can and will not lower it.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear PORTFOLIO, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that PORTFOLIO has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to PORTFOLIO to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that PORTFOLIO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting PORTFOLIO to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Student loan

Currently on wrong IDR plan. Calculated incorrectly. Should be on the SAVE plan. Instead on SAVE-ALT. MOHELA has contacted my stating that i owe > {$4000.00} per month for student loan repayment when my monthly payment should be {$0.00} based on my income driven repayment plan. I have attempted to call multiple times and filed complaints without any response. MOHELA is being unhelpful and refuses to recognize the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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. Furthermore, Equifax 's 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 No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently in XX/XX/2022 sent Equifax a letter to have them investigate an account that is on my credit report and is reporting inaccurately. I included a letter from the creditor that was sent to me stating they had requested removal of this account. 

I have not received any notification that Equifax even investigated this item nor have they removed it. 

I've included the copy of the letter I sent to Equifax and the letter that the creditor sent showing the account was requested to be removed.