23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not give authorization for these companies to share my information or to contact me about a fraudulent debt. I am a victim of identify theft and data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy.

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

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from Experian and XXXX XXXX reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Vehicle loan or lease

I have made contact with Prestige Financial Services Administration MrXXXX XXXX, XXXX and XXXX and respectfully told them that l am returning the vehicle to Prestige as they can not accept payments of {$270.00} or {$280.00} @ month on Auto loan. 
I have been having issues with Prestige on auto loan and unaffordable payments and high interest rate of 17 & since l purchase vehicle on XX/XX/XXXX. 
I am respectfully returning back XXXX XXXX XXXX XXXX with XXXX miles, immediately and vehicle is park in front of the house where l live at XXXX XXXX XXXX, XXXX, California XXXX. 
Vehicle is in excellent condition and l took pictures and video for a inventory. 
I am returning vehicle to Prestige and will not operate vehicle anymore and l have contacted California DMV that l am returning vehicle to lienholder.
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. 

Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : DEPT OF EDUCATIONXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : US DEPT OF ED/XXXX  XXXX XXXX ACCOUNT NAME : XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Months have gone by since i disputed this debt with LVNV Funding, LLC that they purchased from XXXX XXXX XXXX. XXXX  XXXX XXXX   launched an investigation and it was concluded that this {$460.00} does not belong to me. I forwarded this letter to LVNV Funding, LLC MULTIPLE TIMES, however, they refuse to remove this debt from my credit report. Noone has contacted XXXX XXXX XXXX  via the letter i forwarded to them. I want this removed from my Credit reports ASAP!!
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''
Product: Credit reporting or other personal consumer reports

In regards to my payed-in-full/closed Department of Education account reporting all 3 reporting agencies . There is inaccurate information being furnished with late payments as of XXXX XXXX, XXXX, and XXXX with different past due days reporting to ( Experian, XXXX, andXXXX XXXX. My latest credit report was updated through ( Experian ) XX/XX/XXXX emailed with a status increased fico score XXXX and late payments fell off my report regarding the new update. I had an dispute going on prior to the update regarding the current account that had been resolved on XX/XX/XXXX that update the current account with mymy fico score decreased back down to XXXX with the delinquency late payments updated to my report from the year XXXX. From my understanding and under FCRA negative iteams, late payments, or delinquency iteams can stay on credit reports up to 7yrs and deleted after 7yrs period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account/inquiry reporting on XXXX XXXX that is not mine
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account XXXX XXXXXXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX responded quickly removing the account information that was inaccurate. Experian, and XXXX has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.
Product: Debt collection

Southwest Credit Systems in XXXX, Texas, purchased an invalid debt from XXXX. They started calling me last month, but refused to discuss my issue unless I " verified '' my " personal information. '' I explained I refused to give them any personal information. The representative told me she could not discuss my case with me until I " verified '' I was me. ( XX/XX/XXXX. They called me, but I was in a place where I couldn't hear, so I called them back ). 

They would not tell me who they were or why they called. I saw a new entry on my credit report ( the only derogatory entry ), and through a XXXX search, I was able to figure out they were, in fact, the ones who were calling me. ( I already successfully disputed the XXXX debt with a previous collection agency since the debt was invalid ). 

I continued to refuse to give any personal information, and instructed them to no longer call me. I've given them this instruction every time I've spoken with them, yet they continue to call. 

( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Missed call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Outgoing call ( XXXX ) XXXX XX/XX/XXXX - Incoming call
Product: Mortgage

On XX/XX/XXXX I closed on a conventional home mortgage for my primary residence. The loan was transferred to Roundpoint Mortgage Servicing Corporation in XXXX, NC for servicing. 

According to my closing documents, I was eligible to request PMI removal on XX/XX/XXXX ( immediately after the first mortgage payment ). 

On XX/XX/XXXX I submitted the written request to Roundpoint to remove PMI. The assigned customer service representative contacted me later in the month and stated that I was not eligible to remove PMI because I had not completed the required " seasoning period ''. I questioned the customer service rep over the phone because this did not align with the guidance from my closing documents. I was not able to resolve the issue with Roundpoint at that time and they denied the request. 

At first I was very discouraged, because I initially believed Roundpoint 's claim that I would have to pay PMI until XX/XX/XXXX ( the automatic termination date ). However, I then began to do my own research and read the XXXX XXXX guidance for PMI removal and realized Roundpoint provided me the wrong guidance. Their instructions only applied to requests based on " current value '', but my request was based on the " original value. '' https : XXXX I wrote again in XX/XX/XXXX ( resubmitted the same written request dated XX/XX/XXXX ) and requested the assigned customer service rep review the XXXX XXXX guidance for PMI removals based on the original value. I got no response. 

In late XX/XX/XXXX, I re-submitted the same written request dated XX/XX/XXXX to the generic company email inbox, along with the language from XXXX XXXX 's guide ( Section XXXX ). The removal request was approved in early XX/XX/XXXX, but by that point I had already made two additional mortgage payments that included the PMI. 

I called Roundpoint on XX/XX/XXXX and XXXX to request they refund the XXXX and XXXX PMI payments but they refused. 

I attempted to resolve this directly with the company but was unable. 

I am concerned on behalf of myself and other consumers that Roundpoint intentionally created an adversarial process to make it difficult for customers to stop the PMI payments as soon as possible, and impossible to recoup any monies that should never have been paid in the first place. To make the situation even more difficult, I am being transferred to another mortgage servicer starting XX/XX/XXXX, so my assumption is that Roundpoint will refuse to respond to any further communications from me after this transfer occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion does not understand the meaning of " Information Furnisher ''. An information furnisher is a company that provides  information to consumer reporting agencies. Information furnisher is governed under the Fair Credit Reporting Act ( FCRA ). Examples of Information furnisher are state of municipal courts reporting a judgement of some kind, past and present employers and bonders. XXXX XXXX do not fall under this category. XXXX XXXX laws are the FDCPA not FCRA. Credit reporting agencies, such as TransUnion are required to conduct an " INVESTIGATION '' of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information, not a third source such as XXXX XXXX or any other third-party source. TransUnion continuously keeps responding to my dispute of the Bankruptcy not being mine and belongs to someone with a similar name. The filing for the Bankruptcy that is reporting on my TransUnion credit report is in XXXX. I lived in Nevada in XXXX. The bankruptcy that is showing on my credit report along with a XXXX XXXX is that of someone else with a similar name with a different address that does not belong to me nor should it be reporting on my credit report. I take my credit file seriously! I am sick and tired of the pre-made generated letters stating Transunion " VERIFIED ''! I also, contacted XXXX XXXX and they did not confirm any information to Transunion due to my file with them is frozen. I have documentation from XXXX XXXX showing that the address that is linked with the bankruptcy does not belong to me.
Product: Credit reporting or other personal consumer reports

I would like for the attachments that is below to be analyze and demanding removal immediately for the accounts that are listed on my report are all fraudulent and wasn't given a consent by me. Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX ran my credit without my consent. After being told multiple times it was fraud and sending a letter letting them know it was fraud Equifax continually refused to fix the fraud inquiry where someone tried to use my info to get an auto loan.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on my credit file that doesn't exist. I tried to request validation and dispute this remark and the credit reporting agencies don't even respond back. I have now sent two disputes with not even a single respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my personal information and social fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have a credit card through Bank of America. I rarely use it ( perhaps 2-3 times per year ) and I would close it, however, due to the way credit scores are factored, due to the fact that it is my oldest credit card, closing it would be detrimental to my credit history. 

This morning I was made aware of a late payment to this credit card, apparently, I have a toll pass setup to auto reload on this credit card. In XXXX it appears as though this toll pass reloaded and was charged to the BOA credit card, I wasn't aware of this. Fast forward to today ( XX/XX/2018 ), I get an e-mail that says " We have lowered your credit limit ''. They lowered it from {$25000.00} to {$500.00}. I checked my credit report and the account is marked as delinquent. My issue is that I have received NO PHONE CALL, NO LETTER and NO E-MAIL PRIOR TO THIS. I have never missed a payment on any account ever in my life, if BOA looked at the account history they will see this. They will also see that I rarely use this card. Due to BOA failure to report a delinquent account and instead forward this only to the credit bureaus, my credit score has dropped nearly 70 points.

I explored how this could have happened, as I have all accounts setup to autopay. Bank of America does not offer an auto payment of a full account balance on their website. Instead all they offer is for me to setup an auto payment of an arbitrary amount every month. This is absurd, every other account in my name ( credit card, cable, utility and so on ) has the ability setup auto payments every month to pay my account balance in full. Bank of America does not.

To summarize, there are two factors where I believe Bank of America is at fault for this detrimental credit report that is now in my history ( which was FLAWLESS u
p to this point ).

1- Failure to notify me of a late payment ( phone, text, physical mail or e-mail ) 2- Lack of technology to allow me to setup an automatic payment every month to pay my balance in full All of this due to a {$40.00} balance, which will surely cost me much more in the future when I use credit products ( via higher interest rates ).
Product: Mortgage

In a response I received from Wells Fargo Home Mortgage today, XX/XX/XXXX, they claimed they had already removed me from forbearance. Their response in writing is a lie. When I checked my online account, it stated I was still in forbearance. When I called XXXX today, they also stated that I hadn't been removed yet. 
Also in their response, they claimed that my statements were accurate. Another lie. My statements have not been accurate and they are still not accurate. I made 4 mortgage payments in XXXX, XXXX. One payment was in the amount of {$1000.00} + change, and the other 3 payments were in the amount of {$1100.00} each. 2 of the payments for {$1100.00} have not been applied to my mortgage account. I called XXXX and spoke with a rep. She could not explain WHY the payments were not applied to my account. She said she would connect me with an executive. I was then put on hold and disconnected. I called 2 more times and was disconnected before I even had the chance to speak with anyone. The 3rd time I spoke with an executive and she could not explain why my payments were not applied. The told me she would have to open ANOTHER CASE. Wells Fargo has already claimed in writing that my statements are accurate, but they can not explain to me why my payments have not been applied to my account. I am convinced there is not a more corrupt or dishonest bank than Wells Fargo.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This inquiry was made without my consent, and I did not engage with this lender on the given date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX