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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # : XXXX has violated my rights. 

XXXX  Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXXhas 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

Santander should of been removed from all of my credit bureaus.
Product: Credit reporting

I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.
Product: Credit card

Received a call 5 times in a row from XXXX saying they were from consumer protection. Talked to a person named XXXX XXXX regarding a person in Nevada opening a Citibank card with limit of {$10000.00}. Person trying for credit card is either XXXX XXXX or XXXX XXXX. 
Was transferred to another person by name of XXXX or XXXX XXXX, gave his phone number as XXXX. Wanted me to call back but I wont
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach likely to have affected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCY  XXXX  , TRANS UNION AN D   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
Product: Mortgage

Our mortgage company XXXX Rocket Mortgage XXXX has repeatedly contacted us about refinancing and/or borrowing against the value of our home. Since the value of our home has increased, we asked if could have the PMI removed since the loan-to-value ratio was estimated to be below 80 %. We were told ( and I have this in writing in the form of a text ) that as long as an appraiser estimated the value of our home at a price that made our loan-value ratio lower than 80 %, we could remove the PMI. We got the house appraised, submitted the appraisal to Rocket Mortgage, then followed up and asked them to remove the PMI. They then said that we had to go with an appraiser of their choice ( something we explicitly asked them ) and they could not remove the PMI until that point. The text I received had a number and when I called that number, they claimed they had no record of that communication from Rocket Mortgage. Instead I was told I would have to make a principal payment of {$38000.00} do have the PMI removed.
Product: Money transfer, virtual currency, or money service

Chime refuses to give me my money back after a woman from XXXX scammed me. She told me to send her {$200.00} for a car and after coming to get the car she wanted me to pay for it before seeing it. I asked Chime 3 times to shut down her account and they refused.
Product: Credit reporting or other personal consumer reports

Following 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, the accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/2023. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. The original creditor XXXX XXXX XXXX was also notified by the collection agency of my dispute. I received two letters ( the second letter was the exact same as the 1st letter ) from XXXX XXXX XXXX XXXX XXXX obtaining billing statements and medical information that did not include a HIPPA release form with my signature. This is a 3rd party company and I have not consented for them to have an itemized list of my medical information. I requested for the late payments be deleted from my credit report by Experian, but they have yet to do so. Experian has not responded within the lawful 30 day period of their investigation of each disputed item. 

On XX/XX/2020 I requested by mail validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. There are negative comments and late payments on my student loan that have yet to be validated or verified. I have not received a response within the lawful 30 days from XXXX XXXX XXXX XXXX XXXX nor from Experian regarding this matter. I have sent non response letters to both XXXX XXXX XXXX XXXX XXXX and Experian regarding this debt.
Product: Mortgage

I have been trying to sell the home for almost a year now. The first time I was told I can't short sale because of the liens on the home. Now I my agent has tried to work again with Midland Mortgage with selling the home..they are asking me to list the home for more than what I owe..we have found a buyer and submitted the paperwork in several times and Midland Mortgage always seems to come with a reason as to why the short sale can not go thru. Midland Mortgage has closed the case without mine or agent knowledge and they keep requesting the same info from the agent that she has provided to them several times. They are doing everything for this buyer to walk away it has been almost XXXX we have been going back and fourth with this and it is ridiculous.
Product: Credit reporting or other personal consumer reports

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. Equifax has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX have both 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

Dear National Credit Systems, I am writing to formally request that you cease and desist all communications and collection activities regarding the alleged debt referenced by account number XXXX, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop all communication with me regarding this matter. As of today, I am requesting that all phone calls, letters, emails, or any other form of communication cease immediately. Furthermore, I request that you no longer attempt to collect the debt from me or report this alleged debt to any credit reporting agency. If you continue to pursue this debt after receiving this notice, I will not hesitate to take further legal action to protect my rights. Please take note that this letter is a formal demand under the FDCPA. Any continued communication or collection attempts will be regarded as a violation of my rights, and I will consider pursuing all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal recourse. This request is made with the understanding that if you have any valid claim against me, you may pursue it through the courts, but I expect that you will comply with my legal rights as outlined in the FDCPA.
Product: Credit card or prepaid card

On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Extreme Loans is lying and not refunding my money for an appraisal I never got from them. They are mad that I switched companies and do not want to give me a refund they promised for a service I never received. They are acting like they dont know where its at. I paid {$600.00} for them to act like they dont know where its at. Save your money and use a different company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I have had an incorrect collection mark removed from my personal credit report with XXXX and XXXX, BUT Experian refuses to remove it even though I've requested they do so twice now. 
The collection they are citing is from XX/XX/XXXX for {$1800.00} at XXXX XXXX and the debt collection agency is XXXX XXXX XXXX XXXX who have been zero help in this. I settled this debt back in XXXX, this should not be on my personal credit report. 

XXXX XXXX XXXX contact info I was given : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022 I mailed TransUnion a challenge letter disputing hard inquiries on my report that I did not authorize. On XX/XX/2022, they mailed me the attached letter stating that my written permission is not required to someone to obtain my credit report. They refused to scan my files into XXXX XXXX as required by law. The inquiries were not made by me in person, nor online or on my behalf. After contacting the creditors, they stated nothing could be done on their end and to contact the bureau.
Product: Debt collection

The Initial creditor XXXX has lost paperwork and only produces half of the paper work we signed. Its sad because the other person in the lease agrees that he signed lease addendum to let me off the lease. The Management denied us the paperwork and only selected to use only the lease which we had signed before.
Product: Checking or savings account

ON XX/XX/22 I filed a dispute against a XXXX charge of {$170.00}. Chime provided me with a Provisional Credit, until the dispute was finalized. Never once was it said to be a temporary credit or any of that! So today they debit my account of $ XXXX for the {$170.00} that they provided credit. Now they dont want to release my savings funds
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I am not associated with the creditors mentioned.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX  XXXX hard inquiry on my credit report without my knowledge remove immediately. 


XX/XX/year> XXXX XXXX open credit card with hard inquiry from the credit card, on my credit report without my knowledge I would like to get the account removed off my credit report and the hard inquiry removed immediately. 

UNDER 15 USC 1681
Product: Credit reporting or other personal consumer reports

To my utter disbelief, I found incorrect accounts on my credit report today, and I can't understand how or why they appeared. Ive always been diligent about checking my credit report, but this time, things were not right at all. I even refreshed the page, thinking it was some kind of mistake, but unfortunately, nothing changed. Because of this, Im urging that the documents Ive provided be closely examined to ensure this doesnt continue to haunt me.
Product: Money transfer, virtual currency, or money service

In late XXXX, I signed up with Americor to settle three credit cards I had with XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX  XXXX ). 

I made monthly payments beginning in XX/XX/XXXX, and in total, I made payments to Americor totaling more than {$20000.00} over the XXXX period. 

Americor settled and paid the XXXX card for the full balance of {$780.00}. XXXX also settled and paid the XXXX card for the full balance of {$3200.00}. Then, without my knowledge or agreement, Americor entered into a stipulation of settlement agreement with XXXX, related to a lawsuit XXXX brought against me on this debt. The settlement required me to make monthly payments of {$250.00} totaling {$6000.00} of the {$8400.00} total. Americor then defaulted on this agreement after only {$4000.00} of payments were made, even though there should have been approximately {$12000.00} of funds available in my account. 

In sum, Americor collected {$20000.00} from me to settle {$12000.00} worth of debt, but they failed to do even do that. They paid off two of the credit cards at the full balance, providing me with no benefit. And with the third card, they defaulted on the slightly reduced settlement, resulting in numerous court dates and the likelihood that I will be liable for the full amount of the remaining unpaid balance on the card.
Product: Checking or savings account

On XX/XX/year>, Chase has closed my bank account but has never returned me the remaining balance inside the account, which is {$4600.00}. I have reached out to Chase from different branches and they said that theres going to be a check sent to me but I never received it. I then tried to contact them multiple times but still getting the same answer. I hope to get the check they said they were sending me.
Product: Mortgage

My Attorney has filed Suit XXXX against Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XX/XX/2023. 

In addition multiple state and/or federal regulatory agencies has/have being alerted of SLS 's servicing practices including : Federal Trade Commission Division of Credit Practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion numerous times to have these inquiries removed. Remove these unauthorized inquiries immediately. I never consented.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand
Product: Credit reporting, credit repair services, or other personal consumer reports

.I am writing to express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. 

I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. The inaccurate information includes, but is not limited to, the following : [ Specify inaccurate information, such as incorrect account balances, erroneous late payments, or inaccurate collection accounts. ] These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation. 

The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being.
Product: Debt collection

Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.