23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My mother took an unsecured personal loan with ATLAS CREDIT in XXXX XXXX, Texas. In XX/XX/2020 she became XXXX due to a XXXX XXXX XXXX condition. She made XXXX, XXXX, and XXXX Payments with her last two work checks. In XXXX she spoke to ATLAS CREDIT and told them her financial situation and medical condition. She informed them that she no longer had an income and was awaiting response from a social security application. Atlas asked if they could call back in a week to see if the situation has improved. These weekly calls were amicable for about a month. After that, atlas started to call every reference my mother had on her list repeatedly. And when my mother asked them to stop her references because she wasnt hiding from them, she had been upfront and made them aware there was no money. Then my mother was bombarded with calls, voicemails, and text messages from Atlas. She received letters and once again explained in written form that she didnt know how she was gon na pay rent, or utility bills, more importantly how was she gon na pay for her dr visits or medications. That that she has closed accounts at atlas before but this was a circumstance that was out of her control. She told them that calling her repeatedly was embarrassing for her. She asked in written form to proceed with next steps and to stop calling and sending letters that stated you werent forced to get this loan so you need to take care of this matter. Again, how can she pay when she has XXXX income. You cant get blood from a turnip, come on atlas! My mother has to move in with her own mother she didnt have to worry about rent. Atlas has started to come to her previous address on 4 separate occasions, after the second time the owner of the home called atlas and told them The person they were looking for has moved. They ame a third time 2 days ago and the owner called them again told them the same thing and asked not to come back because it has been made clear to them that the person they are looking for has moved. Guess what Atlas went to the same address again today and they were told again the SHE doesnt live at this address any more. This company has basically harassed my mother and now are harassing my cousin who now is renting at her previous address after they have been asked several times cease communication because my mother is trying to survive and live through her medical affliction and a {$130.00} payment is last on her list of worries at this moment. Funny thing is she used to recommend ATLAS CREDIT to others and now Im telling everyone I know to not go to them for any loans. I told my cousin to file a complaint as well because hes told them my mother has moved.
Product: Debt collection

The debt with creditor Midland Credit Management is also deb.t that is over XXXX XXXX XXXX. I believe the original crediot is XXXX or XXXX XXXX. not sure who the original creditor are for this account in the amount of {$2600.00}.. I believe the original creditor for this account may be XXXX XXXX XXXX XXXX but i'm not sure. However this debt is very old. Midland Credit Management are in the business of purchasing old debt as well regardless of age. They are trying to collect funds due for debts that are over XXXX XXXX XXXX. These accounts wer probably open in 2015 time period or earlier. However, both accounts are over XXXX XXXX XXXX as already stated above. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violating my consumer rights per the following information : Upon reviewing the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). Here are some of the discrepancies that I found : Account Type - Detail : Equifax does not provide any information about the account type, while XXXX and XXXX both indicate that it is a charge account. This inconsistency could be considered a violation of the FCRA section 607 ( b ), which requires that credit reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

High Credit : Equifax reports a high credit limit of {$650.00}, while XXXX and XXXX both show a high credit of {$0.00}. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to follow " reasonable procedures to assure maximum possible accuracy '' and to provide information in a way that is " fair and equitable to the consumer. '' Date Last Active : XXXX and XXXX both show a last active date of XX/XX/2018, while Equifax shows a last active date of XX/XX/2018. This inconsistency could be a violation of FCRA section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

Date of Last Payment : Equifax shows a last payment date of XX/XX/2018, while XXXX and XXXX show no information about the last payment. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to provide information in a way that is " fair and equitable to the consumer '' and to follow " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

In summary, the inconsistencies in the credit report violate the FCRA sections 607 ( a ) and 607 ( b ), which require credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report and to provide information in a way that is " fair and equitable to the consumer. ''
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXXt. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$1000.00XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXXXXXX XXXX Balance {$880.00} XXXX XXXXXXXX XXXX Balance {$840.00} XXXX  XXXX XXXX Balance {$51.00} XXXX XXXXXXXX XXXX Balance {$0.00XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

i have applied with mortgage broker, he send me the CD has Jet direct funding corp .     his origination charges are {$6100.00}. the loan officer took {$25.00} K check from me as down payment to my attorney. he chose the attorney and did not give me his info. i have never spoke to my attorney or know who he is.     loan  officer  is refusing to cancel my deal, i wanted to go to another bank and will not give my my {$25.00} K back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters asking each credit company, to send me a copy of proof where they got there information to verify accounts on my report. I have sent letters to them from XXXX and also the bankruptcy court, that clearly states that they did not report anything to the credit reports. They keep on sending my reports stating that they have verify this information as accurate, However, I have asked over and over again for them to send me a copy of who verified this information which they will not. I have sent them 3 different letters and no one will send me this information. I have also sent letters to them about Student loans that report different on all my reports and I have asked them to remove this also. Next, I noticed that they will not update the late payments that they claim were late, but in the slots allotted it only reports for one month. Which by law they have to report it every month and they have not. They can't just update this, it has to be removed and the late payments must be taking off. I would like proof that all this has been done. Also they are reporting a XXXX account that states on 2 reports paid closed, and on XXXX  account open. Which needs to be removed also.
Product: Debt collection

I XXXX XXXX does not have any affiliation or contract with United XXXX XXXX XXXX XXXXXXXX United Collection Bureau , Inc . is attempting to collect an allege debt that has not been verified pursuant to 15 USC 1692g. United Collection Bureau , Inc . has not provided any adequate documentation proving their right to harass me about this unknown alleged debt.
Product: Debt collection

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

PORTFOLIO RECOVERY ASSOCIATES XXXX
Product: Mortgage

I tried to close my mortgage early with Rushmore and they suddenly added over {$11000.00} in " recoverable corporate advances '' to my total!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal dispute and request for resolution regarding credit reporting issues that have deeply impacted my financial well-being and peace of mind. I believe that my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ), have been violated. 

Firstly, I have encountered unauthorized credit inquiries on my credit report. Specifically, I did not provide consent for the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have been made without my consent, which I believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ). 

Moreover, I have discovered inaccurate personal information on my credit report, including incorrect addresses. The following addresses are inaccurate and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies, if not corrected, could adversely affect my ability to access financial services and may result in unwarranted denials or higher interest rates. 

Lastly, I have identified an account with the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears questionable and unverified. Despite my attempts to seek clarification, the account remains unclear. This lack of verification may be in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2. 

I am deeply concerned about the emotional and financial toll these issues have taken on my life. The constant stress and uncertainty caused by incorrect information and unauthorized inquiries have affected my ability to secure fair credit terms and financial opportunities. As someone who has worked hard to maintain a strong financial record, I am disheartened by the hurdles these violations have placed before me. 

In light of these circumstances, I kindly request that you investigate these matters and ensure that my rights under the relevant federal laws are enforced. I urge you to work with the involved creditors to promptly remove the unauthorized inquiries and inaccurate information from my credit report. I also ask for a thorough investigation into the unverified account, and if it can not be validated, I request its removal from my credit report as well. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in helping to rectify these violations and restore my financial well-being. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

I am writing to file a second-round dispute regarding late-open accounts that have been reported on my credit report by the 3 Credit Bureaus. In my previous dispute, I raised concerns about the late-open status of the accounts listed above. I provided evidence and explanations for why I believe these accounts were inaccurately reported as late-open. Despite my initial dispute, the late-open status remains on my credit report. 
I had attached copies of supporting documents that reinforce my position that the reported accounts were not late-open. Include any documentation or other records that support my claim. In my previous dispute, I outlined the reasons for my dispute and provided evidence to support my position. I am including a copy of my initial dispute for reference. I am requesting that the credit reporting agency conducts a thorough investigation into the late-open status of the accounts in question. I ask that they promptly correct any inaccuracies and remove any late-open notations that are unwarranted. I am deeply concerned about the impact of these inaccuracies on my creditworthiness and financial well-being. I trust that the CFPB will help facilitate a fair and accurate resolution to this matter. I kindly request that the CFPB investigates this second-round dispute and takes the necessary steps to ensure the accuracy of my credit report, particularly with regard to the late-open accounts. My personal details and the account 's information in question and needs to be corrected are as follows : XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$45.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXX Court : XXXX XXXX XXXX  I will be filing form 211 Treasury OMB firms to audit consumer account. XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Vehicle loan or lease

My vehicle was involved in a car accident ally financial reached out to me and insisted that they send some one from there company go to check vehicle out before we move forward ally never did so which caused the claim to lapse they wouldnt contact me after words because of there wrongs this has been going on for 8 + months every time I try to call till this day my calls are forwarded in can never speak to the case manager that was assigned to me once she told me 2 different stories she started doging me every call is recorded in they violated my rights several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not send me a result summary to my last dispute that was received by them on XX/XX/2018. Experian is reporting my

XXXX XXXX   credit card as a closed account included in a chapter XXXX   bankruptcy. This account should be closed and in good standing. Experian is reporting my XXXX XXXX secured loan as a closed account included in a chapter XXXX  bankruptcy. This account should be closed in good standings and never late.

Please see attachment for supporting evidence.

Experian is reporting a bankruptcy chapter XXXX in my public records. I have never filed bankruptcy before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow on to complaint ID XXXX. 

According to the CARES act and the XX/XX/XXXX Website : " Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. 

The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent XXXX past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. '' My loan was never in delinquent status. My credit history can prove that. As it states above, " ... the creditor needs to report to the credit bureaus that you are current on your loan. '' This is not what happened to PHH reports to the credit agencies. If need be, I will cite the actual CARES Act.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

On XX/XX/2022, I received a letter from servicer US Bank offering help ( mortgage modification to be specific ) see attachment. 
On XX/XX/2022, I called US Bank and responded to the offer for help. 
The representative stated US Bank would send me a Mortgage Assistance Application within 5 business days. 
As of today, XX/XX/2022, I have not received the Mortgage Assistance Application promised by US Bank.
Product: Checking or savings account

A friend of mine phone was hacked and I received a message from her asking to send {$1000.00} to an email. I sent the {$1000.00} to XXXX. Hours later she tells me her phone was hacked and that was not her I called chase immediately but they told me I have to speak to someone tomorrow ( which is today ) when I spoke to a rep today they told that it is not there issue because I sent the money. How was i to know her phone got hacked and I was trying to help a friend? This was with chase bank. What happen to my money being FDIC insured.
Product: Credit card or prepaid card

Signed up for Wells Fargo XXXX XXXX XXXX because was told would get {$200.00} back if I charged {$1000.00} in 3 months. This was over 3 months ago and I charged more than {$1000.00}.