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

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX max limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX XXXX. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had inquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to inform the credit companies ( Experian, XXXX, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXX ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX  XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX  ( 10 ) XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX  is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX Account Number -XXXX XXXX Account Number-XXXX XXXX XXXX XXXX Account Number-XXXX XXXX  Account Number-XXXX the accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Under the FCRA, credit inquiries from companies that I did not grant permission to are inaccurate items that must be removed from my credit report. These XXXX unauthorized hard inquiries are a violation of the Fair Debt Collection Practices Act ( FDCPA ) as well. 

I am enclosing supporting documentation highlighting the inquiries I am formally disputing. 
I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report within 30 days, as mandated by the FCRA. Failure to do so may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Please send a written response explaining your actions once the investigation is complete. Let me know if any other information is required from me regarding this dispute.
Product: Debt collection

I was contacted by Midland Credit Management in 2014 in relation to a supposed debit owed to a Credit card issued by a XXXX some eight to nine years ago. I do not remember ever being involved in anyway with XXXX and asked for back up showing the debit was valid. They could not provide any proof, however when my employer received a wage garnishment, paid a similar amount to that claimed by a Bank Check. MCM have again contacted me relating that the debit is still valid and want payment of a similar amount.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particular in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finical intuition and Zelle failed my investigating my claims. They inform me the recovering lost funds was impossible and that tracking this transaction was unfeasible.
Product: Mortgage

We went through the trial payments and completed the notary portion of the modification when we went to make a payment a month later we where told that the paper work was not correct and did not receive any notice on this issue we called back and they emailed me a new document to get filled out again we went to a judge and banker to make sure this was filled out properly and sent it in next day air ups a couple of days went buy and we got a notice the house was being put up for sale on XX/XX/XXXX that is only 5 days a way we have been in this position since XX/XX/XXXX we hired a attorney who is working on the sale dat to cancel it so we can go through this process again this will be the 3rd time with this bank we have completed 3 trial plans with a total of 9 payments we also trusted a company that charged us for a forensic audit they claimed we needed the company was home owner retention company in XXXX XXXX as well as there attorney we fired them and refuse to pay remaining fees they messed this up so bad now we had to hire a new law firm and they are good but we lost a lot of money and sleep. We have had a hard time my wife has XXXX we lost Family members to XXXX and my XXXX son got XXXX XXXX XXXX XXXX after a XXXX XXXX playing collage XXXX. it has been very challenging but now we are ok and need help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

At this time i am not aware of who's stolen my identity, please review the files below and be sure to remove all fraudulent activities. None of these accounts were made by me. So simply erase these accounts from my report.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit reports and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Mortgage

My mortgage was transferred to NewRez. When the loan was transferred it included an escrow account for taxes and insurance, which I am still paying into. I recently received notification that they did not have proof of my homeowners insurance and when I called to verify, was told that neither my insurance or property taxes were to be paid from the escrow account. I must now deal with a loan servicing department, which can not be reached by phone, to send a formal request for them to pay for my insurance and taxes out of that escrow account. Additionally, the customer service people I spoke to were from a company called " XXXX '', which is not the name on my mortgage statements. This all seems shady and I have no recourse since I can not choose who services my loan. I feel like I am being scammed into overpaying for homeowners insurance.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter in the mail from a debt collector called XXXX XXXX. They are trying to collect a debt for XXXX in the amount of XXXX I've been a victim of identity theft for almost XXXX  years now. I did not take out this loan. I have XXXX, and they usually catch these before they ever go through. When I called XXXX they told me to call XXXX. XXXX told me to file a report with FTC and also a police report.
Product: Debt collection

I trust this letter finds you well. I am writing to address a critical matter regarding the inaccurate reporting on my credit file, specifically pertaining to fraudulent accounts and bankruptcy that has been proven to be fraudulent Upon reviewing my credit report from your bureau, I have identified the following discrepancies : XXXX XXXXXXXX XXXX -PLEASE DELETE!!! 
Bankruptcy XXXX XXXXXXXX Reference number : XXXX -PLEASE DELETE!!! 
Bankruptcy XXXX XXXXXXXX -PLEASE DELETE!!! 
It is important to note that I have already successfully disputed and had these inaccuracies removed from my credit report with Other Credit Bureau. The prompt and positive response from Other Credit Bureau underscores the urgency for your bureau to take immediate action to rectify these errors on my credit report. 
I request that you conduct a thorough investigation into these matters and remove the fraudulent accounts and incorrect bankruptcy information from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a Federal Trade Commission report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX : XX/XX/2024 : XXXX : XX/XX/2024 : XXXX : XX/XX/2024 : 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed two rounds of letters with XXXX, XXXX and Experian on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts. 

The amounts in collections that I am requesting to be removed is {$1100.00} {$800.00}, {$720.00}, {$740.00}, and {$840.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled these loans in full for deletion with the collection agency. Now, XXXX is refusing to update the accounts
Product: Debt collection

I FILED A CFPB REPORT ABOUT 2 MONTHS AGO IN REGARDS TO AN ALLEGED DEBT THAT IS REPORTING ON MY COSUMER REPORTS. I SENT THE COMPANY A CEASE & DESIST AND ALSO REQUESTED A DEBT VALIDATION. ITS BEEN 2 MONTHS AND I HAVE NOT RECEIVED A DEBT VALIDATION THE ONLY THING THE COMPANY SENT ME WAS DECEPTIVE FORMS IN A FORM OIF STATEMENTS MADE TO MAKE ME BELIEVE AS THE ORIGINAL CREDITOR THAT I ACTUALLY OWE A DEBT. BILL STATEMENTS IS NOT A FORM OF VALIDATION UNDER TEH FDCPA LAWS. VERIFICATION AND VALIDATION ARE TWO DIFFERENT THINGS, I HAVE SEEN SEVERAL VIOLATIONS SUCH AS THE COMPANY PRINTING THEIR LOGO ON THE LETTER WHICH IS A VIOLATION UNDER THE FDCPA. IF THIS ISSUE DOESNT GET RESOLVED WITHIN 14 DAYS I WILL BE SENDING THE COMPANY AN INVOIVCE FOR ALL THE VIOLATIONS I FOUND AND I WILL ALSO BE SUING FOR DAMAGES AND THE EMOTIONAL STRESS THIS ISSUE HAS CAUSED ME, WE CAN DO THIS THE EASY WAY OR THE HARD WAY REGARDLESS THE LAW IS ON MY SIDE AS THE ORIGINAL CREDIOR ONLY I CAN VALIDATE A DEBT PURSUANT TO 15YSC 1692G AND I DONT VALIDATE THIS ALLEDGED DEBT,
Product: Vehicle loan or lease

I have paid the vehicle off in XXXX of 2024. I have requested for any derogatory payments be removed from my credit report. After closer looking at my report I see that Capital One have late payments posted on my account
Product: Debt collection

Penn Corp failed to provide me an option to validate or dispute prior to placing a derogatory account on my credit report. They placed two separate derogatory accounts on my credit report dating XX/XX/2022 and XX/XX/2022. I was not aware of this alleged debt with XXXX until my credit card company notified me of the first derogatory account. 

Penn Credit failed to provide me a validation notice. They called an incorrect phone ( XXXX ) number three times, allegedly mailed a notification on XX/XX/2022 and my credit report showed a derogatory account on XX/XX/2022. I verify my phone number with XXXX each time I go for services. Calling an incorrect number is unacceptable. 

The alleged mail notification that Penn Credit sent was dated XX/XX/2022 that I received today. 

On XX/XX/2022, I spoke with a XXXX XXXX and XXXX at Penn Credit. I first spoke with XXXX XXXX and requested I requested a copy of the doctors orders ( if applicable to my alleged debt ), a copy of all alleged correspondence, a copy of the EOB XXXX should have received from my insurance, and the actual claim that XXXX submitted to be sent certified mail in order to confirm receipt. XXXX XXXX stated that my request was completely unreasonable in my pursuit of verifying the debt and transferred me to her supervisor XXXX. 

XXXX claims that Penn Credit can not send me the requested information via certified mail. Clearly I have not received anything on this alleged debt. My credit score went from XXXX to XXXX after the first derogatory account was placed. Having a XXXX credit score clearly shows my attention to detail and care/concern over financial matters. I haven't received an updated after the second derogatory account was placed. 

The amount of this alleged debt is outside the expected with my insurance. Through my insurance I do not have a deductible or coinsurance. I am responsible for a {$10.00} copy for a primary care/PCP appointment, {$20.00} copy for a specialist, and a {$35.00} copay for an emergency room visit. A debt of {$680.00} is well outside a reasonable amount for my insurance.
Product: Credit reporting or other personal consumer reports

Im reaching out because I pulled my credit report and you guys are reporting inaccurate personal information on my behalf. My information was exposed in data Breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and MIDLAND CREDIT MANAGEM. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and MIDLAND CREDIT MANAGEM with no successful resolution. There was definitely an error on their part.
Product: Mortgage

OCWEN mortgage company escrow, did n't pay home owners insurance, thus insurance was cancelled, i called the mortgage company several times, rep said check sent to wrong address for insurance and the check would be resubmitted, check has not been received, called OCWEN mortgage co, still receiving run around, i still with out home owners ins and ins company stated possible increase on policy, because of cancelation, this has been going on for about XXXX weeks and still no resolve, i live in a XXXX area, i a XXXX XXXX, i need help as i 've spend hrs on the phone, getting the run around from OCWEN, i think thier service reps or located in XXXX
Product: Vehicle loan or lease

I am closing on a home and I requested from Toyota a good status letter on Friday, XX/XX/2022 and was told I would receive it in 24 hours. I called Monday, XX/XX/2022 and was told that it take 24 to 48 hours and I should receive it by the end of day. I called again on XX/XX/2022 and was told by two customer service reps that they are escalating my matter and I will have the document by the close of business on Tuesday. I called again on XX/XX/2022 and was told that the form filled out was blank and they will submit a new request and have my document ready. I called again XX/XX/XXXX and XXXX and as of now still nothing. I had to move my closing date because of the inefficiencies of XXXX and I still not have received my good standing letter as promised.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.