23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Delete hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Victim of fraud check the ftc report.
Product: Debt collection

XXXX XXXX XXXX sent me a notice that I received on XX/XX/2018 stating that a payment would be automatically debited from my account on XX/XX/2018 and that if I wanted to change the payment, I needed to contact them at least three business days prior to the debit date. I called, and they said there was nothing they could do about it. I lost my job and can not make the payment. Also, they are printing checks against my account, not just debiting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and XXXX XXXX bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!
Product: Debt collection

Reference compliant # XXXX - I am writing this letter because I believe that my compliant was closed prematurely since a few key facts were not addressed which I believe violates my rights under the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act with regards to Portfolio Recovery Associates and their attempt to collect a debt that I do not owe which was subsequentially deleted by XXXX XXXX from my credit report by XXXX, XXXX AND XXXX. 1. I never received any written or verbal notification of a debt from Portfolio Recovery Associates as it pertains to their filing on or after XX/XX/XXXX. 2. Also, the representative of Portfolio Recovery Associates who wrote the previous response to CFPB inquiry which I believe was prematurely closed was untruthful when they claimed that they sent their initial notification to me on or about XX/XX/XXXX, this is blatantly untrue because the account was DELETED from my credit report by XXXX and XXXX prior to XX/XX/XXXX. The debt was still in the custody of XXXX XXXX in XX/XX/XXXX as indicated in my credit report but later DELETED by XXXX also months later as a result of my disputes as indicated by my XXXX XXXX credit report ( which you can clearly see that no charged off for XXXX XXXX in the amount of {$710.00} which wasn't listed for XXXX or XXXX due its previous deletion ) which I have attached in the is letter. In addition, I have never received " any '' formal notification by Portfolio Recovery Associates of any un-owed debt nor is the previously owed debt to XXXX XXXX correct which was {$710.00} and not {$710.00} as reported by Portfolio Recovery Associates which is another violation of federal and state law with regards to debt collection practices. I have attached an email copy of the correct balance amount which was previously owe to XXXX XXXX prior to the account being deleted which I paid the amount of {$48.00} dollars to XXXX XXXX which they offered me to avoid the account being charged off. However XXXX XXXX charged off the account a couple of weeks despite our agreement which in legal terms is called, " A BREACH OF CONTRACT '' which is the reason why the account was deleted from my credit report. In addition, all statements made by Portfolio Recovery Associates can be proven untrue because I had moved out of my previous home at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) around XX/XX/XXXX and have been living abroad ever since. Also, I no longer reside in the US since I am medically retired, and a XXXX XXXX XXXX XXXX. As mentioned in my previous complaint to CFPB and as proof of the deletion of this charge off by XXXX XXXX, I have attracted a portion of my credit report from my dispute result with XXXX which shows that this account was DELETE AND REMOVE ( Please see attached PDFs and reference XXXX Credit Report : Dated XX/XX/XXXX, Report Number XXXX and XXXX credit report from XXXX. As you can see, the account number that Portfolio Recovery Associates have provided CFPB for this deleted account in question, does not match the ORIGINAL account number provided by XXXX XXXX and is incorrect and or incomplete.
Product: Mortgage

My husband and I closed on a loan in XX/XX/2020 and began making payments in XX/XX/2020. We made payments for XXXX, XXXX and XXXX automatically via a recurring ACH setup through the companies customer portal ( https : //my.academymortgage.com ). At some point the loan servicer changed as the mortgage was sold. We were not provided any letter documentation noting to change payments. In XX/XX/2020 my husband and I began receiving letters of default from Academy Mortgage. They accused us of missing payments for XXXX, XXXX, and XXXX. Upon talking to an academy mortgage representative, it was discovered that our servicing had been sold to some other part of academy mortgage and the payments we were sending within academy mortgage were not going to the new holder of our mortgage, academy mortgage or XXXX. 
At this point, we have had multiple conversations with both sides of Academy Mortgage and one continues to point fingers at the other, all the while sending us demand letters and default letters. We have opened cases and sent multiple emails and the issue is still unresolved. We can not set up any kind of ACH within the new servicing portal of academy mortgage as they have us in a default status so there is concern on how XXXX and future payments will be paid. 
This seems ridiculous and highly disorganized. We are mortgage consumers that pay each month on time and are being accused of being in default because our money is sitting somewhere and not being redirected to the proper servicer. This seems illegal and unfair.
Product: Debt collection

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

CORRECT INCORRECT INFORMATION ON XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, 60 DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I had filed a dispute ( in error ), on the amount owed on my credit card only to find out that my significant other had not paid the bill yet. ( INsert eye roll ). I immediately contacted XXXX and XXXX XXXX to stop the dispute. I thought that it was taken care of and the dispute was stopped. It wasnt and my night mare began. I check my credit weekly on XXXX XXXX and started to notice my credit score FALLING  drastically. I called XXXX XXXX and they told me that Transunion had stopped reporting on my XXXX Credit card. I called Transunion and was told that XXXX had stopped reporting that card in response to my dispute. I tried to explain that I had called XXXX and XXXX XXXX and stopped the dispute almost immeditately. Transunion said I needed to talk to XXXX so I called XXXX and they said they needed all my information ie ; drivers license, proof of address and all the info from XXXX XXXX that showed my cc wasnt being reported for a score. I sent them all they asked for and didnt hear anything for over a month. I called XXXX again and they told me that they were reporting to all three ( 3 ) major reporting companies ie ; Transunion XXXX and XXXX as Federal Law mandated and I needed to check with Transunion to see what was wrong on their end. IN THE MEAN TIME ... ..I kept checking my credit score on XXXX XXXX and they were reporting XXXX and XXXX  and my credit score was  growing but NOT TRANSUNION. SO ... ..I called Transunion and got the run around that it has to be XXXX XXXX fault. I hung up in a fury! There were many more phone calls to Transunion over the SEVEN ( 7 ) months where I was asked to send them the same information I had sent to XXXX. I was asked by Transunion to have XXXX contact them and when I replied I would get XXXX on the phone for a three way call  the ADAMANTLY rejected that, saying it was illegal for them to talk to XXXX that way and I needed to have XXXX call them and request a reinstatement of reporting on my credit card. Understand that this card has been paid off in full each month no matter how much is on it! I have worked REALLY hard to clean up my credit from a poor life in the past. XXXX and XXXX  are both reporting in the 700s on my credit score with Transunion only reporting in the 500 range! OK ... so I did call XXXX and told them what Transunion said needed to be done and the little gal I talked to got her Supervisor and they sent Transunion the information Transunion had requested, ( or at least they told me on the phone they had! ) this was over a month ago and still my credit card from XXXX is not being reported on XXXX XXXX from Transunion BUT IT IS FROM THE OTHER TWO! My issue is that I cant get this fixed and I even went so far as to call an attorney but he was a shister! Anyway, I Just found your agency today. PLEASE help me get Transunion to report my XXXX Credit Card as everything I HAve done has failed!! Heres hoping!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts immediately
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have received my credit report today XX/XX/2024 and I have notice that somethings are incomplete and not accurate, and accordance with the fair Credit Reporting act. Here are the list of the accounts below that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C. ( 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 crime which antedates the report by more than 7 years.

15. USC. 168 1s -2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the XXXX XXXX XXXX XXXX. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Update addresses Remove all addresses except for my home address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I have contacted Lanier collection agency concerning several medical bills they claim belong to me. I have requested debt verification on several occasions and they were unable to verify the debt. I would like them to stop reporting false information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Ive had enough. The accounts on my credit report that are still in pending litigation should not be there at all. I've reached out to you repeatedly, hoping this issue would be resolved, but each time, it feels like Im being ignored. Its extremely frustrating to deal with this error that's negatively affecting my credit score, especially when Ive done everything on my end to address it.
Product: Mortgage

During XX/XX/XXXX I filed a Chapter XXXX filing in Federal Court. On my filing I reconfirmed my mortgage at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OHIO XXXX with Bank of America account number # XXXX. My wife XXXX XXXX who is also on the mortgage and deed did not file with me. We worked with the CFPB during this process and had our mortgage was modified and final approvals from BOA and XXXXXXXX XXXX coming during XX/XX/XXXX. At this time we signed and returned documents back to BOA that included updated XXXX XXXX Ohio mortgage deed papers to be filed in the County with both of our names on this updated deed document. 
We are now approved for a new mortgage with a bank/2nd home in Florida this year and the new bank after reviewing the BOA mortgage documents from our OHIO property mentioned to us that BOA says on the monthly documents that our OHIO property according to their documents is still subject to the Bankruptcy court and the property was not re-affirmed by me/us. 
I called this week XX/XX/XXXX and talked with XXXX employee # XXXX BOA and she told me that BOA does not have me re-affirming the loan on my Chapter XXXX filing and that we are just " renting '' the house from BOA. Pretty surprising that BOA not only has the Chapter XXXX filing documents that recieved from the court wrong in their database but that they don't even show our mortgage was modified them and this re-finance included new county ownership documents that were filed by BOA. 
After the Great Recession and the thousands of home owners that worked with the CFPB and modified their mortgages I wonder how may other consumers have the same incorrect paperwork on file at BOA????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX  XXXX  # XXXX -- XXXX # XXXX -- XXXX/XXXX XXXX # XXXX -- XXXX XXXX  # XXXX 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 or other personal consumer reports

To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report. 

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities. 

According to the FCRA, unverified accounts must be promptly removed. FCRA, 91-506, Title VI, Section 611, Subsection AD and Section 15 U.S. Code 1681i ( a ) ( 5 ). 

I am in the process of buying a home and the below accounts are hurting my credit file/scores If you are unable to furnish verifiable proof, the accounts listed below MUST BE REMOVED. These Accounts are being reported Inaccurate. 

I request immediate verification or Removal of the following accounts : Creditor : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, I got an account statement in the Mail from Frost Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I was Frightened. 

I never signed up with the bank or opened an account under my name. 

So, I then preceded to call the Frost bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX answered the phone. 

I began to tell her Im not a client of the bank and someone has forged my name and opened an account. 

I ask her to close it. Yet, she angrly refused to cooperate and close a fraud account under my name. 

She said, no, I wouldnt. 

Im very concerned about the ethics of her and the bank.

Can you please get my fraud accountant closed at Frost Bank?