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

Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NewRez is egaged in fruaglent lending practice. 
They NewRez discrimination by not allowing all of my income to be disclosed. 
NewRez saud my XXXX XXXX could not be counted when the Federal Government allows it on my taxes. 
I would like an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

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

On or about XX/XX/2021 a representative for said bank established left a voice message to the tune of XXXX when clearly parted with XXXX on my account name. I keep complaint and the representative never returns my calls. I want it to be clear my name on the count and parted check read XXXX not XXXX and when that little representative reaches out to me needs to respect that. In addition if I choose which is my choice and they must agree to my choice to return to said bank establish it is whatever my valid if represents and I tell what name should be on my account still remember ing what's on my state valid. And said bank needs to put back the require minimum deposit to open said establish bank that said establish bank had no other reason to close the account other than my bum man like appearances. Be sure they force the said establish bank close. 
.and said bank established need not correspond to my houston XXXX Texas ADDRESS any further It doesn't exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and someone had used my information and opened up discover card and not paid Discover Account number XXXX XXXX Acct No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the credit bureaus.
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Texas XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : XXXX Dear XXXX, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with XXXX authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be XXXX  % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that XXXX provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Upon reviewing my credit file I noticed an Auto finance account that was in my name without my knowledge or consent I immediately contacted Exeter Finance.The representatives were understanding over the phone and informed me they did not have a department for what sounded like suspected identity theft.I wrote Exter Finance explaining the discrepancy and was told to supply more information.I proceeded to make an official police report in person to my local police department and later mailed it to Exeter.Exeter then stopped reporting said account to the credit bureaus.It wasnt until I checked my report recently I noticed Exter has started again reporting said account.Said company has also stated they will not stop the reporting of this account.
Product: Debt collection

Hello, I have received a notice from True Accord about making amends to a debt that was previously established by me. The account is reporting negatively on my credit. I was offered a settlement through email and given 6 months to make payments. I want to make an offer which is greater then what they offered me in a single payment. I am requesting a payment for deletion. I have sent emails as well as the company that is assisting me with the ordeal .... its been over a month and no one is getting back to us. I have spoke to someone via email name XXXX and XXXX. Again, I would like to pay the account but no one is getting back to me and the account is still reporting negatively on my credit. The account number is XXXX I am reaching out to you in hopes that you have another way to reach someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Experian regarding inaccurate credit reporting from XXXX, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as Experian shares a duty to ensure the accuracy of the information reported to it by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Creditor has been unable to provide proof of application proving account belongs to me. Account has appears twice on 2 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from Transunion yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the Transunion customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless Transunion is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to complain about Transunion for a violation of my privacy and consumer rights under the FCRA Fair Credit Reporting Act. These Inquires do not belong to me and have been furnished fraudulently and must be removed immediately according to 15USC1681 section 602 A, states I have the right to privacy. 15USC1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions ; my legal rights have been violated, if this not deleted, I will be forced to peruse legal action. Let this be 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an alleged bankruptcy since XXXX of 2021 with Equifax and XXXX. I have filed various cfpb complaints and written various letters asking for the bankruptcy to be validated and verified showing proof or deleted. I received a letter from bout reporting agencies claiming the bankruptcy was verified by XXXX. How can XXXX verify if I opted out and froze my file? Fcra states a consumer have to give permission for anything to be reported. I did not give Equifax, XXXX  or XXXX my permission to report on my behalf. Please help me fix this error on my report immediately
Product: Mortgage

I have a current complaint on file number XXXX. The original complaint was against a countrywide home loan number XXXX address XXXX XXXX XXXX XXXX, XXXX, ca. XXXX. I was offered a trial payment plan and have attached a copy of the terms, after now completing the trial payment I have been offered a permanent modification that must be signed and accepted by XX/XX/XXXX for the offer to remain. I have attached a copy of the offer. My issue is the new offered principal balance is double the value of the property both the bank BPO appraisal and current comps concur. The bank states I owe a past due interest of {$350000.00} and Taxes and Insurance of {$100000.00} the total being {$450000.00} this amount was based on the original 10.35 % in addition the bank foreclosed on the property after the original repayment to modification agreement they failed to honor. The house was not owned by us for over 6 years we had no negotiating power and this amount also includes inflated forced insurance placed on the property and a reassessed tax that we were not responsible for. The end of the new offered modification states that the modification terms are based on a 40 yr loan and 2 % rate but my original loan will be due on the original maturity date in XXXX, XXXX ( 20 Years ) at which time I will have a final payment due they stated also known as a balloon payment of {$620000.00} not included any estimated additional interest. I feel the bank should dismiss the amount of {$450000.00}. This loan should be restructured based on countrywide non fulfillment of the original repayment to modification. I would have not been responsible for such a high interest and would have had the power to negotiate and access program and other assistance. I will have difficulty with accepting the terms and feel backed against the wall. This is not fair to the consumer, I am now after the death of my husband due to the stress of all this am a single mother. I had to go through hoops faxing, calling, uploading and following up just to be denied and had to appeal the decision because to get this modification, because once again my paperwork was in several different areas. In one day I received XXXX different packages from Bank of America. I would receive a call from a XXXX stating they had all documents and then a packet the next day saying documents are missing. I had XXXX calls in one day from XXXX different reps all claiming they were the point of contact. This process has become De Ja Vue, from what I went through before. I also was made aware after accepted the terms of the Trial that my credit could be adversely affected. How is this so? I was already foreclosed on XX/XX/XXXX after I made repayment to modification payments after filing chapter XXXX I reestablished a decent credit score. Now they get to screw up my credit again. Please help!
Product: Credit card or prepaid card

I have a checking account with Bank of America but am told I need a Social Security Code to obtain same, am also being asked to pay {$28000.00} for the privilege!! 
Is this just another Scam? 
HELP!!!
Product: Credit reporting or other personal consumer reports

I have three collections with XXXX XXXX on my credit. 1st one is {$630.00}, the 2nd is {$270.00} and 3rd is {$340.00}. They have all been paid and my receipts are below. It was in agreement on XX/XX/year> that the collections would be removed, however they have not been removed from my report. Also, The collections for XXXX and XXXX XXXX are reporting on my credit multiple times and should also be removed as that is against fair credit reporting regulations as they all three say " purchased by another lender ''. I have disputed these reporting 's multiple times only to be told they would stay on my credit report.
Product: Credit reporting or other personal consumer reports

My credit scores have been immensely affected because unauthorized inquiries that your company has pulled on my report is affecting it.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate address information being reported by TransUnion on my credit report. Despite my efforts to rectify the situation directly with TransUnion, the incorrect addresses continue to appear, potentially harming my creditworthiness and violating consumer protection laws. 

Details of the Issue : Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion Report Date : XX/XX/year> Steps Taken : I have contacted TransUnion, and submitted online disputes. 

As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws that protect against inaccurate and misleading information being reported. I have made several attempts to resolve this issue directly with TransUnion, but the incorrect address ( es ) continue to appear. This failure to correct my information violates my rights under the FCRA, specifically the requirement that consumer reporting agencies report accurate information. 

Request for Action : I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion corrects the inaccuracies in my credit report and fully complies with consumer protection laws. Furthermore, I ask that TransUnion be required to provide written confirmation of the correction. 

Attached are relevant documents supporting my claim, including a copy of my credit report showing the inaccurate address ( es ), any correspondence with TransUnion, and any other pertinent details. 

Thank you for your attention to this matter. I look forward to your prompt resolution and response.
Product: Credit reporting

Back in 2014 I went in for a free consultation for XXXX through a company called XXXX. After deciding not to have any treatments done whatsoever, I was sent a bill with my name that had a line of credit for {$2000.00}. I then started receiving bills to pay off the balance that I did not owe in the first place. About three months later the company went black nationwide, just overnight the company vanished and every facility was vacant. Since then my account through XXXX was sent to a collections agency XXXX. I have sent XXXX XXXX XXXX XXXX XXXX after XXXX, sending a handful of letters and complaints through them to XXXX, but the only thing that has changed on my credit report is it states CBG ( Closed by grantor ), unfortunately this does n't mean that it has been wiped clean from my record at all. I need this fraud of a company removed from my credit report once and for all because it is causing a lifetime of damage from applying for a small loan or credit card, to renting an apartment or car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent XXXX days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account Account name XXXX XXXX XXXX XXXX  Account Number 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, and XXXX  XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.