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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX, on XXXX. XXXX, XXXX, SYNCB and on XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  I am making a formal credit dispute for my terminated leased XXXX  XXXX  XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.
Product: Student loan

Navient became my lender after XXXX XXXX they refused to help me and hit my credit - I made a huge payment this month because it was going on my credit report as late payment and it caused my bank to be overdrawn and charged 3 fees for each loan payment
Product: Mortgage

I requested cancellation of the escrow account Citizens currently maintains for the payment of insurance premiums and taxes. Citizens declined such cancellation, claiming, in writing, that the loan balance relative to the value of the property is too high. When contacted, the representative admitted that Citizens does not in fact know the current value of the property and their decision is based on the original loan balance. 

This is a nonsense response. The idea that a property purchased XXXX years ago for a mere $ XXXX, still maintains a XXXX in excess of 80 %, in the midst of a national and acute housing shortage, when Citizens themselves proudly advertise a median area value of $ XXXX within their online client portal, carries no weight. It is a painfully transparent attempt to milk people, and causes unnecessary hardship for consumers.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and Equifax shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. Equifax has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.
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 this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Product: Mortgage

On XX/XX/2020, I used XXXX to shop for a 30-year conventional mortgage to refinance my home loan. The best rate quote from the site came from Wyndham Capital Mortgage , Inc., with a quote of 3.0 %. A screen print of the quote has been uploaded. After taking the time to provide all of the requested documentation for a loan application ( including my spouse ), I was provided no means with which to lock this interest rate. I was provided with an electronic packet of initial loan disclosures on 7/22/2020. This packet has also been uploaded. The Loan Estimate ( page 21 ) indicates an interest rate of 6 %, which is double the amount of the rate quote on XXXX. After seeing this, I attempted to call XXXX XXXX, the assigned Wyndham contact person, but was unsuccessful because her name could not be found on the automated phone directory. I also sent XXXX an email asking why the Loan Estimate contained a XXXX XXXX interest rate, while being quoted a rate of XXXX XXXX. I received no response from this person. I was asked to e-sign certain pages of the disclosure packet, but refused to do so based on the interest rate discrepancy. I indicated in the e-sign system ( DocuSign ) why I refused to sign the disclosures. I feel Wyndham Capital Mortgage has been unfair and deceptive throughout this process. My wife and I have credit scores approaching XXXX, low debt-to-income, and substantial equity in our home, so I am confident we would have qualified for the lowest rate offered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 It also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Debt collection

Several federal violations pursuant under 15 U.S. Code 1692 were committed by Portfolio Recovery Associates, LLC dating XX/XX/XXXX through XX/XX/XXXX. I never gave consent for Portfolio Recovery Associates, LLC to communicate or contract with me. As a federally protected consumer, I requested valid proof of the alleged obligation several times and never received said validation. In XXXX of XXXX, Portfolio Recovery Associates, LLC reported this alleged debt to XXXX, XXXX  and XXXX  consumer reporting agencies violating my federally protected rights as a consumer pursuant to 15 U.S. Code 1692 and wreaked havoc to my credit status. I filed complaints with XXXX XXXX XXXX of XXXX XXXX XXXX, State of North Carolina Dept. of Justice, and Commonwealth of Virginia Office of Consumer Affairs. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating that they filed a Universal Data Form electronically requesting that the three consumer reporting agencies update PRA 's trade line for alleged account on my credit reports. On XX/XX/XXXX the debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices from the federally protected consumer seeking monetary relief pursuant to 15 U.S. Code 1692k. I'd like closure to my requested remedy according to damages sustained and regulated under 15 U.S. Code 1692. There is no statute of limitation for fraud.
Product: Credit reporting or other personal consumer reports

My background check states that I have 2 XXXX  as well as a XXXX  charge. All 3 of which I never committed. The first two charges state that on XX/XX/XXXX in XXXX XXXX I was stopped with an open container and had XXXX  as a XXXX  and that I spent 5 days XXXX XXXXXXXX. Neither of which ever happened. The second charge states that in XXXX XXXX on XX/XX/XXXX I committed a XXXX for illegal XXXX  distribution and served 2 XXXX  XXXX  time. None of this information is correct.
Product: Debt collection

On or about XXXX I did open a credit account with Captial One Bank and the credit limit was around about {$500.00} I did maintain this account up until XX/XX/XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX Nevada XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding inaccurate information on my credit report related to my Prosper account # XXXX At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies ( CRAs ) and discovered several inaccuracies concerning this account. These inaccuracies include : 1. Incorrect last date verified, last date reported, account rating, and creditor type information.

2. Discrepancies in the two-year payment history across the three CRAs. Specifically : * One agency reported a late payment in XXXX. 
* Another reported a late payment in XXXX. 
* The third reported a late payment in XXXX. 
I was not late on any of these occasions.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. These inaccuracies demonstrate a failure to meet this standard.

In addition, I initiated disputes with the credit reporting agencies regarding these errors. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the agencies are required to reinvestigate and provide a response within 30 days. Despite this obligation, I have not received any response or resolution.

I have since paid this account in full, and as someone with a history of flawless credit, I am deeply concerned about the harm these inaccuracies could cause to my credit standing.

Resolution Requested : I request immediate correction of all inaccuracies related to my Prosper account, removal of any late payment notations, and confirmation that my dispute has been resolved in compliance with the FCRA. 
Thank you for your assistance in addressing this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) in my consumer report. XXXX XXXX XXXX Late payments incorrectly reported between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As a consumer, by law the account in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Balance Owed {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the Equifax Data Breach. Thank you for your assistance in this matter.
Product: Debt collection

CCI Contract Callers Inc., XXXX, GA XXXX, telephone number ( XXXX ) XXXX, is attempting to collect a debt not owe from client XXXX, account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I filed for bankruptcy. My lawyer filed on XX/XX/XXXX. At the time I was not late with any creditors. My chapter XXXX bankruptcy was discharged in XX/XX/XXXX. In XX/XX/XXXX15 creditors suddenly marked my credit history as being 90 days late. I filed disputes with all three credit agencys. 7 of the creditors realized their mistake and removed the negative remarks on my credit reports. The remaining 8 creditors did not remove the inaccuracies. I filed complaints with each company and contacted each company. In XX/XX/XXXX I contacted XXXX. The agent at XXXX confirmed that all 8 creditors had wrong information listed on my credit reports. They all listed me as being never late. But each creditor lap showed me as being 90 days late but not 30 or 60 days late. XXXX  said the information was wrong and contacted all 8 creditors on my behalf. The creditors response was to remove all history of me making on time payments and changing my history from XX/XX/XXXX being 90 days late to XX/XX/XXXX pate late. Again this is incorrect information again.

The creditor are XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. SYNCB Walmart. XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, on XX/XX/2022 a domestic wire transfer of {$96000.00} was initiated from XXXX to my account with Chase Bank. I confirmed with XXXX two days later that the money was received by Chase Bank but the wire was under review for potential fraud due to XXXX and that this hold could take 1-2 business days. The time period elapsed with my funds yet to be deposited in my account, so I call Chase bank and now I'm being told they can not see the wire anymore and am repeatedly told to confirm with XXXX that it wasn't returned. I confirmed with XXXX 3 more times that the wire was not returned. I have spent dozens of hours on the phone being sent from department to department at Chase with still no resolution. I am told the only people who can help me are members of the wire research team but no one is allowed to call them and i have to wait for them to call me. They say someone will call on " x '' day at " x '' time yet no one ever calls when promised. It is now XX/XX/XXXX and I am still being run in circles by Chase Bank with no resolution in sight and no one is even willing to help figure out where my money is.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving Equifax and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX Equifax breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately 147 million XXXXXXXX. XXXX XXXX XXXXXXXX data breach was equally egregious, compromising the personal data of over 100 million individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable.

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of Equifax and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches.

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence.

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence.

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility.

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Credit reporting or other personal consumer reports

2nd time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX XXXX My credit with Experian is bad, it is not updating. I have called on other occasions trying to get them to solve the problem and they don't fix it. Right now my credit is not updated and I get a message on the screen saying that the creditors have different information than mine and that if I don't fix it I can't see my credit. On two occasions I sent my ID photo so they could solve the problem and they still haven't fixed it. BY LAW CREDIT BUREAUS HAVE TO FIX OR REMOVE INCORRECT INFORMATION. I am trying to fix the problem but I need someone to take the job seriously and solve this situation for me. thank you