23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX REC : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report EXPERIAN XXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX 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, credit repair services, or other personal consumer reports

I attended School at XXXX XXXX XXXX in XXXX Florida. 

The school is owned by a XXXX  XXXX ; XXXX. 

The school advertised that their company guarenteed a job XXXX  after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to XXXX XXXX XXXX XXXX {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to XXXX  XXXX   XXXX  and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. XXXX XXXX XXXX agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. XXXX XXXX XXXX however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of XXXX  XXXX  XXXX  who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship XXXX  XXXX  XXXX  has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.
Product: Credit reporting or other personal consumer reports

I have made repeated attempts to dispute an accounts on my credit report, yet my concerns have been continually disregarded. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies promptly investigate and resolve disputes brought to their attention. However, despite my efforts to rectify this matter, I have not received satisfactory responses or resolutions from your agency. 

It is imperative that you promptly investigate this matter in accordance with the FCRA and provide me with a thorough and accurate assessment of the disputed accounts. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action to ensure my rights are upheld. With this, I am asking for your assistance to correct these accounts in my credit file : 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 send few letters to equifax about my address and they NOT fix the problem they still showing and incorrect address on my credit file and i never live there this address is incorrect XXXX XXXX XXXX, XXXX, FL XXXX my address is this XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX i explain i was identity theft victim on XXXX  open attach i include my driver license with my actual address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX+ {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$620.00} Closed
Product: Credit reporting or other personal consumer reports

To whom it may concern, This notice is to inform you that you unlawfully reported fraudulent t inquiries that arose from IDENTITY THEFT that you did not verify as required by law on any consumer report.

15 USC 1681b ( c ) furnishing reports in connection with credit and insurance transactions that are not initiated by consumer, information regarding inquiries, except as provided in section 1681b of this title. A consumer reporting agency should not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 
The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I was in a XXXX XXXX  and XXXX XXXX XXXX 
On XX/XX/XXXX I lost my XXXX 
XX/XX/XXXX, I filed for Forbearance with my mortgage company and was informed that I could make partial or no payments each month and too I would be able to place the amount owed on the back end of the loan. Since I was getting XXXX, I was able to make partial payments from XX/XX/XXXX to XX/XX/XXXX by calling the Mitigation team. I applied for a Modification to continue the forbearance. I did not make a partial payment in XXXX only but made partial payments for XXXX and XXXX. 

In the mean time I had applied for XXXX in XXXX XXXX. XX/XX/XXXX I was approved to receive XXXX ( XXXX XXXX XXXXXXXX XXXX ). I added the XXXX approval letter on the Mortgage company website and I called Mortgage Companies Lost Mitigation Department as well explaining that I was now receiving XXXX  and would like to discontinue with the forbearance. I also requested the loan be placed on the back end of my mortgage and to receive access online so that I can pay my mortgage. 

Since XX/XX/XXXX, I am still having issues when I contact my Mortgage Companies Lost Mitigation Department and their Relationship Manager to assist me with placing the loan on the back end of the mortgage and being able to pay my mortgage online. Every time I speak with someone they say, " We are XXXX  your documents for you sign and you will receive the by this date '' or " We are sending the documents '' and the documents never come. Citizens sent it to a Notary and I was not informed. The Notary called me to sign papers and she could not tell me what they were for so I thought it was a hoax and blocked her from calling. I called Citizens about this and ask that they send me the documents to look over and get them signed but they will not send me the documents. 

In the meantime, I have been making mortgage payments in full on XX/XX/XXXX up to XX/XX/XXXX by calling in to Lost Mitigation Department each month and making payments. They had placed me on Forbearance again for XXXX through XXXX of XXXX and told me not to pay for these months. I have held on to XXXX and XXXX payment. 

At this time, I still have not received any paperwork to sign. 

PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ct XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$660.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. Experian has just been fined for performing sham investigations on consumer credit reports by the CFPB which is the only real credit bureau according to Congress. I am distressed by this damaging information on my credit report and I can no longer be compliant in fraud. 

Experian is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX Bank XXXX but this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance.

1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Experian is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled.

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Experian and asked them to validate this debt properly, yet they failed to correct the information.

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness.

Attached to this complaint are : 1. A copy of my Experian credit report showing the inaccurate balance.

2. A copy of the 1099-C form from XXXX XXXX XXXX  confirming cancellation .

3. A copy of my previous dispute letter to Experian and their inadequate response. 

I urge the CFPB to investigate Experians noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.
Product: Checking or savings account

I am the victim of identity theft. Someone made an account at BMO and tried to write a check to someone from this account in the amount of {$14000.00}. Thankfully, XXXX XXXX XXXXXXXX called me to ask if I had written this check and I told them I did not. I immediately contacted BMO and they sent me a letter that I received today, XX/XX/XXXX stating their investigation shows the account was opened properly. I have never even heard of this bank and I have no access to see what is going on with any account.
Product: Debt collection

I owed a hospital bill and it was sent to collection. The collection company was Phoenix Financial. They offered me a settlement amount and I paid that in full. The debt is still showing up on my credit report. I have filed a dispute and it came back the account was accurate. I have called Phoenix Financial on three separate occasions and every time they say the account should have been closed, they will get it done, and sent me a letter. They have never closed the account out and I have never received the letter.
Product: Bank account or service

My Chase debit card information was obtained somehow and they spent {$2400.00} at XXXX, XXXX on XX/XX/2016. Then an ATM withdrawal in XXXX again for {$500.00} on XX/XX/2016. Tried to Log in to my online acct. and it said my username and password were incorrect so someone changed it. I called Chase and they froze my debit card and said they 'd send out a new one. On XX/XX/2016 the {$2400.00} was credited back to my account. After not receiving my debit card after 10 days I called Chase and stopped that one as it had been sent but I had n't received it. The lady at Chase also informed me that the {$500.00} atm withdrawal was denied reimbursement as it would have had to be me in XXXX. I informed her I was in XXXX and could prove that. I was then sent to a supervisor then a Chase specialist after I informed them I would have to take further action against them. I was given a case number then the next day Chase took the {$2400.00} back out of my acct. I informed them I was filing a formal complaint and would be closing my accts. I was sent to another ladies voicemail with no return call. So I have not been reimbursed any money as the law requires within 10 days nor do I have a new debit card!! I will also be filing a complaint with the OCC and with my local branch manager. Very disappointed in Chase Bank as the bills that are supposed to come out of that account are n't getting paid!!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts have errors in reporting, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX at XXXX XXXX  XXXX, XXXX DE XXXX in ref to account ending in XXXX to resolve an error of late payment that was reported to credit bureau as well as intentional misinformation by their customer service which is documented in my initial letter ( and in XXXX system, phone call is recorded ). The nature of error is that the credit card account number had changed associated with incorrect contact information. There was inappropriate minimal charge from a recurrent charge from previous card account number that should not have carried over and I was not notified of said balance and only learned of this by looking at my credit report. I contacted customer service in which their floor supervisor agreed with the nature of above explanation as to how mistake occurred clearly informed me that XXXX does not have the ability to correct this mistake which is false to facts. I then proceeded to contact XXXX  directly ( I addressed one letter to the president of bank ( which was given to me by supervisor spoke with exactly ) which was returned to sender however opened ) and they disrespected my concerns ( they did not do any investigation or reported of such - in their responding correspondence as attached ) blatantly and proceeded to close my account without notice. This behavior I suspect is quite unethical and possibly illegal. I would wish to be able to resolve this and remove their injurious effects to my credit standing. 

This level of injustice is not acceptable and I am willing to expend effort to contact editors at XXXX, XXXX, XXXX to report this unethical business conduct so that other consumer may be aware.
Product: Debt collection

I ended up having to change my number. Portfolio Recovery Services would call up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX One guy called me a XXXX XXXX XXXX XXXX XXXX '' for owing money that I don't even owe. I have no idea where these people came from or why they are ruining my credit. I do not owe the money that they claim I owe.
Product: Credit card or prepaid card

I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.
Product: Mortgage

I am requesting wells fargo send my original mortage loan documents with my original signature on document to any local branch within XXXX miles of my property so I can examine the document. I am once again stating my mortgage documents were altered by wells fargo and its employees. My rate was changed. 

And recently the investigation regarding wells fargo and XXXX plus employees doing fraud on other XXXX plus wells fargo customers re affirms my claims that my documents were altered. 

I am requesting to see the original mortage note and mortage documents. 
Below is a previous case Info. Above is updated info I am requesting. 
I am a victim of Predatory Lending. Please see attached documents. Wells Fargo is refusing to provide complete closing documents. They are downplaying HUD-1 Documents were it shows I am not suppose to pay mortgage insurance. They provided me a copy of a document which I signed at closing, which only shows the following : Page XXXX of attached documents shows no signature from me. 
Page XXXX document is altered. Under where it says Estimated taxes and insurance, someone typed in Includes Mortgage Insurance. This clearly looks typed in. 
Page XXXX also shows someone typed on the bottow left, Initial Print XX/XX/2013. No other document shows this. This was typed in there during my complaint process. 

Wells Fargo provided XXXX document which I was told to sign at closing and that it was a mistake and they would fix it and not to let the closing get delayed because of this. 

I want this matter investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This  is completely wrong. I have never missed a mortgage payment and this is injuring my credit score.  XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.