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

There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX ( {$2300.00} ) and XXXX ( {$180.00} ). The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXXXXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX/XXXX.
Product: Mortgage

During the pandemic things got rough for I and my wife when she lost her job and we got behind on our bills. We heard about a program that was supposed to offered by our mortgage company for the purpose of helping people who dealt with financial hardship through the pandemic, so like many others we called our mortgage company Carrington mortgage, who explained to us that the plan was a federally backed Covid-19 plan designed to help people just like me. My wife and I agreed that this was the best step to preserving our credit and making sure that we dont default on our home loan and become foreclosed on. We were current on our payments at the time we went into Covid-19 forbearance, and our credit scores were between good and better, however what happened after the 3 months of us being on the forbearance was a nightmare. When we called to find out how we were going to be able to get off of forbearance and begin to bring our account back to normal, we were told that we had several different options and one of which we chose was the one that they put the payments on the backend of the loan which sounded simple enough, however it required us to pay a fee for the next 3 months to get our account out of forbearance and show that we were capable of maintaining the new payment after forbearance, we agreed and began n to pay the new mortgage payment with the fees included which seemed simple enough, however as time went on it became a never ending story of when will we be taken off of forbearance. Three months of forbearance quickly turned into a year of us on a forbearance plan, why you may ask? Because despite the fact that we continued to pay our mortgage every month with the fee included, the company kept telling us that they could not take us off of forbearance at that time which finally turned into them telling us that the company was in the midst of being sold and that they would not be able to take us off of our forbearance until after the sale was over. To make things worse we tried to refinance our car and checked our credit only to find out that Carrington had put the forbearance on our credit report at the time and we couldnt refinance our vehicle while we were on a forbearance plan which continued to go on for months on in because of them stringing us along because of some sale of the company going on. Their harmful practices damaged our credit and we began spiraling down from that point and never did fully recover from it all because of what happened. It was a sad situation because we continued to make our mortgage payments on time with the fee included for months on in, and me calling constantly trying to find out when they would release me from forbearance which was supposed to help us to avoid a negative impact, but as time went on it impacted us more negatively than if we were to have done anything else.
Product: Credit reporting or other personal consumer reports

Experian needs to report payments accurate as i have paid off negative debts and made payment arrangements on collection accounts and credit card accounts.
Product: Student loan

A third party had called to consolidate my student loans Fedloan Help, XXXX, CA XXXX Email : XXXX. 
They said my loans would be forgiven after 10 year making a payment of XXXX per month. I had them set up taking the payments out of my checking account starting XXXX. 
I receive\d a notice XXXX of XXXX stating my I needed to start making payments. I called the Fed loans discovering there has not been any payment made to my loan. I called Fedloan help and they informed me that they collect the money for a year then start making payments. I told them that I wanted to discontinue there assistance and will pay my loan back myself. They told me I would receive a refund. Soon I received this e-mail. 

Refund Hold Letter Hello, This letter is to advise you that your refund is approved ; however your refund is on hold temporarily. 
Unfortunately all outgoing refunds will have a 15 to 30 day delay due to lack of funds and donations to the organization. Upon receiving our next round of funding, any refund that we are holding will be issued immediately to the address we have on file. 
We apologize for the delay and we appreciate your understanding in this matter. Thank you again for your continued support in our organization and we look forward to resolving this temporary issue as soon as possible. 
Best Regards. 
Fedloan Help Team
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I disputed the following issues on my credit report : Negative accounts reporting with discrepancies and inaccurate information. 
Unauthorized inquiries that I did not approve. 
Incorrect addresses showing on my credit report. 
Despite including all necessary documentation to verify my identitysuch as a government-issued ID, Social Security XXXX XXXX and current proof of addressTransUnion failed to conduct a proper investigation as required by law. 
I received a response from TransUnion, dated XX/XX/XXXX. In the letter, they refused to conduct any investigation into the disputed items, unauthorized inquiries, or incorrect addresses. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion failed to fulfill this legal obligation, despite me providing all necessary documentation to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX/XXXX XXXX Account Number # XXXX Balance {$350.00}
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

Got a call from Consumer First Management Group and spoke with XXXX XXXX at XXXX. He threatened to sue me and garnish wages and get a judgment against me for a debt that was from XXXX, that I repeatedly told him was not mine. He has been calling multiple times and contacted my wifes place of employment and gave her all the information on the account even though they stated that I was the only one on the account and that the bank had written off the debt in XXXX. I asked multiple times how I could resolve this legally and why they were harassing me if the company had written it off and requested that they send me whatever documentation that they had and information on how to dispute the account and the debt. He told me that the only way to get out of this was to pay it all. The disturbing part is that they had all of my personal information and when I asked what it would take to resolve he told me that we had good jobs and made good money so he wanted all of the XXXX and that it would be XXXX after they took me to court with court costs. I looked up this company on XXXX and it looks like they are a scam. Can you help me validate this company or put them out of business if they are scamming.
Product: Debt collection

First Progress Card is in violation of the FDIC " Holder-In-Due-Course Rule ''. 
I, XXXX XXXX, disagree with First Progress Card terms and conditions of agreement as it violates my rights as a consumer. 

I refuse to debate rather or not First Progress Card is in violation or not. However, if all legal legal action needs to be taking this serious matter can be skillfully articulated in Federal court. 

First Progress Card, You are ruining my financial reputation by furnishing negative information on my Consumer Report such as " Charge off '' and " Late payments '' which has cause me to be denied for Auto loan, I'm demanding that you remove such information from my Credit Profile, if you fail to do so and credit my account, the Internal Revenue Service ( IRS ) will be on notice to AUDIT the account. 

I, XXXX XXXX, Consumer, also do not give any consent to transfer my account to any person, First Progress Card shall be in violation of the United States Federal law Gramm-Leach-Bliley Act and pay a fine of {$100000.00} ( PER VIOLATION ). 

I'm aware there is a billing error and my account on my Credit Profile shall be updated as " Paid In Full '' to all Consumer Reporting Agency 's. 

This is my final notice and if all legal needs to taking, I am taking such actions as I'm aware of your negligence of noncompliance. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Vehicle loan or lease

Carvana is advertising Car insurance to me the CONSUMER which is a violation of federal law 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. ( C ) Charges or premiums for insurance, written in connection with any consumer credit transaction, shall be included in the finance charge. & asking me to provide insurance separate. Carvana is also asking for a downpayment federal law said in 12 CFR 226.4 & 15 USC 1605 ( a ) It does not include any charge of a type payable in a comparable cash transaction. ALSO 15 U.S. Code 1662 - Advertising of downpayments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit. & 15 USC 1605 ( 1 ) ( 2 ) ( 3 ) ( 4 )
Product: Debt collection

Valentine & Kebartas , LLC. is in violation of 15 U.S.C. 1692 ( b ) ( 5 ) against me XXXX XXXX. Generally, under the CFPB 's final rule, a debt collector cant communicate or attempt to communicate with a consumer by sending an email to an email address that the debt collector knows is a work email address, subject to some exceptions. 

On Friday XX/XX/2021 @ XXXX I, XXXX XXXX received a email at work to a company server which is shared with several employees from Valentine & Kebartas , LLC . The email contained personal information about a invalid debt that was not for company staff to see. 

The email contained my address, alleged amount owed, as well as other personal and private information. I replied back to the email on Friday XXXX XXXX  @ XXXX informing Valentine & Kebartas , LLC , that they were in violation of 15 U.S.C 1692 ( b ) ( 5 ) for sending personal and private information to a non private email server.
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 NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:13348 Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

Vehicle was surrendered XX/XX/XXXX this loan was discharged in chapter XXXX bankruptcy XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in XXXX XXXX XXXXor my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in XXXX XXXX due to a XXXX XXXX in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received notification that my XXXX and Equifax credit scores had dropped by XXXX points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe XXXX and Equifax both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ATTN : State Board of Education XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX NOTICE! of inaccurate unverified and fraudulent reporting resulting in great pain and suffering for the last XXXX years due to fiduciary irresponsibleness Regarding all claims/inquiries/ on my credit report I request a copy of a 1099C regarding these inaccurate debts The Department of Education is reporting on my credit report I have the right to report The Department to the IRS and to sue for fraud and damages The Department of Education has been non compliant and unresponsive to my many attempts to resolve these inaccurate reportings and mulitple FDCPA violations. 
Pursuant HJR 192 of 1933 " The Department of Education '' Commissioner XXXX XXXX XXXX & XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX, XXXX Washington, D.C. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website https : XXXX/ U.S. Department of Education XXXX XXXX XXXX, XXXX Washington , D.CXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I disputed the accuracy of account XXXX XXXX XXXX XXXX # XXXX with EXPERIAN due to inaccurate information. EXPERIAN stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate and unverified information listed on the account. This is a violation of the FCRA. Also, the " Date of Last Activity '', " Date Reported '' and " Date Opened '' are inaccurate ( please see attached document of the two credit bureaus showing different dates ). These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute- they did not.
Product: Credit reporting or other personal consumer reports

I was recently looking over my consumer credit report and see LVNV Funding LLC, with a partial or incorrect account number # XXXX, listed as " DEBT BUYER '' I have never had an account with this company nor have I ever agreed to, signed any contract with this company nor have I had any kind of business with this company for me to have any " past due '' debt, amount or fees with this company, nor for them to have access to my personal information that I never gave consent for them to have. This company needs to verify, validate submit an original contract that provide an original purchase or contract agreement that has my wet signature, I do not consent to any electronic signature. After giving them my first and last name and telephone number, and requesting this account be properly verified, they proceeded to tell me you are XXXX correct, this is is not properly verifying this account that is being reported on my consumer report. And this is being reported inaccurately and unfairly on my consumer profile it is a violation of my consumer rights under the FAIR CREDIT ACT that I have the right to my credit file being reported fairly and accurately, also having the right to privacy in accordance with the ( FCRA ) Under 15 USC 1681, I have the right to privacy. They proceeded to request other personal information from me over the phone. Being they are listed on my credit profile as " buyer of debt ''? I feel this is or was an attempt to commit fraud by this company being they could not verify who they were to me and stated that this was an attempt to collect an unverified debt. Under 15 USC 6802 I was not notified by this alleged company listed nor made aware in any way that this account would be reported to the Credit Bureaus nor was I given any opportunity to OPT out of said account being reported on my consumer report. I have no recollection of such account. Being that they refused to verify this account with me ( this is breaking the law ) under The Fair Reporting Credit Act ( FRCT ) Also under 15 USC 1681b, specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports as defined by the ( FCRA ) which means, the credit agencies must have written instruction by me " the consumer '' that I am allowing you or your company put this on my consumer report. I've never sent any letter of consent to any of these agencies, if so they need to verify such letter otherwise please remove this account from my consumer report immediately. And lastly, 15 USC 1666b states, that a creditor may not treat payment on a credit card account under an open end consumer credit plan as late, ( past due ) for any purpose