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

MY INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs.   On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Account # XXXX shows a past due amount of {$330.00} however, I have never had an account or relationship with this company that is being reported. I am unaware of this company and past due balance. And as a result I need for this account to be removed immediately or I plan to take further action.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus when I noticed things on my credit reports that were wrong and needed to be fixed. I have not received a response back in 30 days. I checked my credit report today and my reports are still the same. I sent them detailed information on the incorrectness and also sent them the verifying identity information. I read on the FCRA website that if they do not respond in 30 days then they must delete the information.
Product: Debt collection

I informed hillcrest when they called trying to collect a debit that was token care of by the state of Colorado 's department of revenue services and sent paper work satments on this matter the manager said he would contact his client before adding this to my credit. I 've been monitoring my credit report since I cleaned all negative debts on my credit report so me and my family can look in to buying a home. This debt is now showing on my credit report in a negative way and should have never been added to my credit, I contacted the department of revenue on this matter they told me the debt was payed and they ca n't collect a debt that 's been payed and if they do put this on my credit report there invocation of colorado 's state laws which state debt collectors out of state ca n't collect from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below, is the account they should CORRECT on my file : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  # XXXX, XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX XXXX, On or about XX/XX/year> after phone calls from PORTFOLIO RECOVERY ASSOCIATES about a debt I never Received a validation of debt notice explaining my rights to dispute PRA mail it to the wrong address and never attempted to correct their mistake clear violation of 12 cer 1006.34 reg F ... 15 us code 1692g deceptive and misleading... it was intentionally done ..I 've enclosed documents showing PRA knew my correct address ... by me not receiving the debt notice it violated my right to dispute with in the 30 day time flame..currently PRA is illegally reporting derogatory information about me with out full validation ... The CFPB order Repeat offender PORTFOLIO RECOVERY ASSOCIATES to pay more than XXXX XXXX for continued illegal debt collection practices and consumer Reporting Violation this is no different they continued there bad behavior un checked.
Product: Credit reporting or other personal consumer reports

I called XXXX and XXXX but they refused to help me
Product: Mortgage

In XX/XX/XXXX, I closed on my home and the original home loan provider was XXXX XXXX XXXX XXXX XXXX. This is a VA home loan escrow with a monthly mortgage payment of {$1200.00}. Shortly after closing, XXXX XXXX XXXX XXXX XXXX sold the loan to another loan provider named Mr. Cooper. My first mortgage payment was due in XX/XX/XXXX and since then, I have made my monthly payment at the start of each month. 

I do not use Mr. Cooper 's autopay feature. But rather I use my bank XXXX XXXX XXXX to initiate payments. Also, I do have an online access to my statements through Mr. Cooper but because my monthly mortgage payment was consistent thus far, I had no reason to access my account through Mr. Cooper. 

On or about XX/XX/XXXX, I received an email alert from XXXX  credit reporting company that a change in my credit was detected. That change is a 30 day late payment for XX/XX/XXXX loan payment for my mortgage through Mr. Cooper. 

I accessed my XXXX XXXX  account and confirmed a payment of {$1200.00} was sent at the beginning of XXXX XXXX well before 30 late payment date. This {$1200.00} was not returned. Because it has been several months since I had accessed my Mr. Cooper account, I did not remember my log on credentials to verify Mr. Cooper received my payment. Instead I spoke with a customer service representative and it was explained my escrow amount due had increased. Specifically, my property taxes increased by {$100.00} per month. 

This property tax increase was unknown to me. I did not receive any notification from Mr. Cooper by any means. I did not receive any notification from the city of XXXX, XX/XX/XXXX As a new homeowner, I never had any inclination of a tax increase. 

Mr. Cooper did not apply the XX/XX/XXXX payment of {$1200.00} to my home loan and did not inform me. Instead, it was kept into another account with that amount " suspended ''. Because my XX/XX/XXXX payment was not applied, this triggered a 30 day late payment on my XXXX  credit file. 

The customer service representative I spoke with stated that Mr. Cooper has a policy that if amount owed vs amount paid is {$100.00} or greater ( in my case {$100.00} ), they do not apply the loan payment thus triggering a 30 day late payment after XX/XX/XXXX. 

I had also made a {$1200.00} payment at the begging of XX/XX/XXXX. Because the credit reporting monitoring service alert came before XX/XX/XXXX, I was able to add an additional {$100.00} to my XXXX payment thus preventing a 30 day late payment for XX/XX/XXXX. I also paid the XX/XX/XXXX difference of {$100.00} at the same time with a {$200.00} one time payment. 

Currently, I am in good standing with my mortgage through Mr. Cooper. However, without a credit reporting monitoring service through XXXX  and their failure to inform me, the XXXX payment would have turned into 60 day late payment on XX/XX/XXXX 90 days late on XX/XX/XXXX, and so forth.
Product: Credit card

I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : XXXX. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
XXXX. Why is this third-party entity negatively impacting my credit score? 
XXXX. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
XXXX. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without instructions.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

11.Bank Name : XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Bank Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Bank Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Bank Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Bank Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S.C 1681 Section 602 A. States any consumer has 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 prior consumer 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 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

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX XXXXor amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for one month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX XXXX XXXX gave me the XXXX license plate, XXXX XXXX XXXX XXXXold me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : [ Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Inaccurate Credit Reporting by XXXX After Loan Consolidation Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the inaccurate reporting of closed student loan accounts by XXXX on my credit reports. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that furnishers of credit information maintain accurate and fair reporting practices.

Summary of the Issue : I had two student loan accounts with XXXX under account numbers XXXX ( balance : {$20000.00} ) and XXXX ( balance : {$12000.00} ). Both accounts were consolidated and transferred to XXXX ( Department of EducationXXXX ). As a result, these two accounts with XXXX were closed upon consolidation. 

However, both of these accounts with Dept of ED XXXX XXXX are still inaccurately reporting open balances on my credit report, despite the consolidation and transfer of the loans. This erroneous reporting is misleading, negatively affecting my creditworthiness, and causing significant confusion. 

Violations : XXXX is in violation of the FCRA by : Failing to update and ensure the accuracy of the information furnished to credit reporting agencies. 
Incorrectly reporting these closed accounts as still open and carrying balances, when the debts have been consolidated and transferred to XXXX. 
Harm Caused : The inaccurate reporting by XXXX has damaged my credit score and caused difficulty in obtaining new credit. I have also faced undue stress and confusion due to this ongoing misreporting, which should have been corrected promptly after the consolidation was completed. 

Actions Requested : I request that the CFPB take the following actions : Investigate Nelnets inaccurate reporting practices and hold them accountable for failing to update my credit report after the loan consolidation. 
Require XXXX to fully delete these accounts from my credit report since they no longer have any active involvement in these loans. 
Ensure that XXXX complies with all provisions of the FCRA and provides accurate, up-to-date information to credit reporting agencies. 
If it is found that XXXX willfully or negligently violated the FCRA or any other relevant federal statutes, I request that the CFPB take appropriate corrective actions, including fines or any other penalties as deemed necessary. 

Thank you for your time and consideration in resolving this matter. I trust that the CFPB will take the necessary actions to ensure that XXXX corrects their inaccurate reporting and complies with federal law. 

Sincerely, XXXX XXXX