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

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

Equifax and XXXX are violating my privacy by releasing my non public information. XXXX agreed not to share my information with non affiliates. Equifax is not the credit reporting agency. The ONLY credit reporting agency recognized by the government is the CFPB and Equifax is not a credit bureau.
Product: Credit reporting or other personal consumer reports

There is inaccurate information on my report. Please see the attached letter which gives further details.
Product: Debt collection

Received alert on XX/XX/2023 that a collection has been placed on my account from Amsher
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 items on my report and by law it has been over 180 days and I no longer owe them debts, I have tried to dispute them and nothing has happened. I have told the creditors that it was illegal for them to use my name and birth date and social security number and the fact that it has been over a 180 days. I want these items removed off my report. By law they need to be removed. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " Union Home '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations base on my findings of the law and no brainer situations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Student loan

I have attempted for several months to obtain documentation from my original loan so that I can ascertain what rights and responsibilities I have and repayment/discharge options are available. I have been unable to submit documents to Nelnet through their website although the site states this is possible. I have tried to call and can never get through, lines always state at least XXXX min to wait. I have written without reply. I was unable to download documents for deferment or hardship options and had to go to student loan website to get the documents. I do not know if my loans should have been XXXX as I graduated in XX/XX/2020 and believe my repayment status was income contingent. As of the time I graduated I have not had a job that required me to make payments because of my income and my loans never went into default. I believe that Nelnet is intentionally attempting to put my loans into default and ruin my credit, I was either on a hardship or deferment or Covid or whatever. If Nelnet did not have the resources available to responsibly handle the accounts they " manage '' they should not have taken them. My loans are 23 years and a XXXX payment is a payment nonetheless in respect to loan forgiveness. It is due to no fault of my own that I have been subjected to the poor employment history I have had to live with despite my education. Nelnet appears to only service the repayment side of the loans, not servicing them in a manner that is fair and does not put their clients in a hardship or default situation. If you can't contact your loan servicer what good are they.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within the exact timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : 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 XXXXXXXX Balance : {$990.00}.
Product: Debt collection

I did a Mortgage Modification back in XXXX of XXXX with XXXX XXXX to have our Principal reduction lowered on our Mortgage for over a three year term. XXXX honored the agreement and as of XX/XX/XXXX the 1st of three reductions was taken off the principal reduction. On XX/XX/XXXX, the 2nd of the three reductions was taken off the principal balance. In XXXX of XXXX XXXX XXXX sold out loan to Shellpoint Mortgage Services and to date, they have not taken the last reduction off and it is now XX/XX/XXXX. I have called them over and over and over since XX/XX/XXXX and constantly get a different answer or they do not know what I am talking about. If I myself as a homeowner did this to the Mortgage Company, I would have lost my house and the Agreement would have been Null and Void so why are they not being hit with any consequences? I have fought for 6 years to get this far and now again, I have to fight. I am ready for a nervous breakdown and just want this resolved ASAP. Please tell me what can I do. I have attached the Loan Modification for you to please review. 

Thank you
Product: Mortgage

XXXX Mortgage dba XXXX XXXX purchased my Mortgage or, purchased XXXX Mortgage XXXX facts are unclear ). Upon purchase, I received a document stating that nothing will change within the Terms and Conditions of the Loan. To date, no new documents were presented nor signed. For the year 2020, I was not sent an Escrow Statement by XXXX. Instead, I logged in to my account in XXXX to make a payment and notice my mortgage amount had increased without my knowledge. It took me contacting the company to receive a statement and I paid the shortage amount. 

XXXX XXXX, I received a second Escrow Statement with a monthly mortgage increase. I called Shellpoint/NewRez and spoke with an Agent. I was advised that Shellpoints Terms and Conditions to their XXXX Agreement is that the Customer is required to maintain a XXXX balance in escrow at all times. 

This is not the Terms and Condition Agreement that was signed at closing. This has not been an issue with XXXX until now. I do not have a signed, legal document with Shellpoint of these new Terms and Conditions therefore, I emailed XXXX advising them of my Dispute. My increase in mortgage starts XX/XX/XXXX and I have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I see a mortgage inquiry Credco that I XXXX XXXX did not authorized I would like to remove the inquiry if possible so it would not affect my credit profile for when I do decide to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I do not recognize these accounts. This is purely identity theft. 

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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I attempted to do business with a company called XXXX in XXXX of 2021. This was supposed to be a vacation club offering high end vacation packages at a discount price. The total amount of this package was {$7800.00}. I was never provided with a contract or any proper disclosures, only some vacation brochures and a non working usb drive that was supposed to have a contract on it. I had to pay a down payment of {$780.00}. After not being able access my account for a month I was finally able to log on to attempt to book a vacation. After access to the online account is when I realized this company was a total scam. I immediately called them in XXXX to cancel and get a refund. I was told that I could not cancel and that my deposit was not refundable. After a few attempts to escalate the situation I finally gave up and said the can keep my deposit but I dont want anything to do with this company. At this point Ive paid {$780.00} and received nothing. I thought to myself that this was just the price I have to pay for getting scammed. I Over a year later I see my credit report has collection for over {$10000.00}. I reached out to Monterey collection agency ( the company reporting the collection ) to dispute the collection with no success. This has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This Penn Credit ( AEP ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting

There is a XXXX XXXX account which is being reported as a Negative account on My Experian report. I called XXXX XXXX and was told the account was closed back in 2012. I can not fathom why it is being reported negative if it 's closed. I went to my bank, to apply for a Personal loan, and was denied because of that account being Negative on my report. Is there anyway, something could be done to have it removed. It has left me in a bad place, not being able to apply and get a loan. 
Thanking you in Advance for any assistance rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistakes in my report, Unverified Accounts :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX    Account #  XXXX   XXXX /  XXXX   XXXX    XXXX /  XXXX    Account #   XXXX     XXXX   XXXX   Account #   XXXX     XXXX /  XXXX   XXXX   Account #   XXXX    XXXX /  XXXX    Account #   XXXX    XXXX / XXXX  Account #   XXXX     XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX  Beside that, I have never paid late this account  XXXX   XXXX   XXXX   Account #  XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute a collection account that has been reported on my credit report by I C SYSTEM INC. Upon reviewing my credit report, I noticed this collection account, which is dated back to XX/XX/XXXX through XX/XX/XXXX. I do not recognize this debt, and I have no knowledge of owing any amount to the creditor associated with this account. 

I contacted I C SYSTEM INC to inquire about this debt, but they were unable to provide sufficient documentation or evidence to validate that this debt belongs to me. Furthermore, I never received any prior notice or communication regarding this debt before it began reporting on my credit report in XX/XX/XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated. Specifically : 1. **Lack of Validation** : I was not provided with proper validation of the debt as required by the FDCPA.

2. **No Prior Notice** : I was not informed of this debt before it appeared on my credit report, which is a violation of my right to be notified and given the opportunity to dispute the debt before it is reported.

3. **Inaccurate Reporting** : The account is inaccurately reported, as I do not owe this debt, and it should not be listed on my credit report. 

Given these violations, I respectfully request that this collection account be investigated and removed from my credit report. I also request that I C SYSTEM INC provide proof of the debts validity, including a detailed account history and documentation showing that I owe this debt. 

Please let me know if any additional information is needed to process my dispute. I look forward to your prompt resolution of this matter. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** 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 or other personal consumer reports

I am writing to dispute inaccuracies on my credit report that I recently reviewed. 
Specically, I found transactions reported that are excluded under the Fair Credit Reporting Act ( FCRA ), XXXX USC XXXXa ( 2 ) ( A ) ( i ). 
As dened by the FCRA, the term " consumer report '' does not include information solely related to transactions or experiences between the consumer and the party providing the report. Such information is excluded unless it directly impacts the consumers creditworthiness or nancial capacity. 
Furthermore, neither FICO scores nor other risk algorithms used to calculate credit scores are considered part of a " consumer report. '' The FCRA denes a consumer report as any communication about a consumers creditworthiness, credit standing, character, or reputation, which is used to determine eligibility for credit, insurance, employment, or other lawful purposes under XXXX USC XXXX. 
In light of this, the reporting of transactions or experiences between myself ( the consumer ) and any company ( the furnisher ) is a violation of the FCRA. The inclusion of FICO or VantageScore data, which are not part of a consumer report, further substantiates that this reporting is inaccurate and unlawful. 
Additionally, I have identied an erroneous late payment on my credit report for the following account, despite my payments being made on time : XXXX XXXX XXXX XXXX XXXX XXXX This late payment charge appears to be a result of either a billing error or a deliberate attempt to impose unjust fees. My payments were made timely and accurately, and this inaccurate reporting has negatively impacted my credit reputation and personal well-being. 
Therefore, I request the immediate removal of the following late payment entry from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX As per XXXX USC XXXXb ( a ), a creditor can not treat a payment on an open-end consumer credit plan as late when the payment is made on time. These erroneous late entries violate this provision. 
I respectfully request that you correct these inaccuracies by removing the fraudulent late payments from my report. Should you fail to do so, I will be forced to take further action to protect my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a XXXXXXXX  card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was first contacted about my debt back in  XXXX . I swiftly told them not to contact me about the matter. ( As I 'm broke and could n't get on medicare to help pay my medical bills ) I then start receiving calls that ring for a second and stop. This can happen up to twice a week. Then today I received a call from someone asking if they were talking to me. I asked who I was speaking with and they would only say that it was a personal business matter. They would n't say who they were and I told them I already told them to not contact me and put me in their do not call list, the lady hung up very quick. So I called back and sure enough it was ASCI the same people I told not to contact me. I was transferred to a manger who tried to get me to pay my bill instead of helping me get off their contact list. She then argued that I have to send in a hand written letter stating that they cant contact me. I dont have the time or resources to do that right now. I work too much. I just want them to stop contacting me. Its already on my credit there is no point in paying it. They couldve just helped me out but they are too worried about commission then worrying about them being rude. they dont treat people like people. You 're just another number to them. The tactics they use are sick. I used to work there. Rudest people on the planet.
Product: Debt collection

This letter is being sent to you in response to the above reference account that Revenue Enterprises LLC has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Revenue Enterprises LLC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  car loan, but on my credit report the address they have it's incorrect, I never stayed there. I always stayed at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Plus the loan they have out for the car I don't even have it anymore. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

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