23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law. After a meticulous review of my credit report, I have identified accounts, specifically related to XXXX, that are reported in a manner inconsistent with legal standards, infringing upon the provisions outlined in 15 U.S. Code 1681a and 15 U.S. Code 6802. 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes information pertaining solely to transactions or experiences between the consumer and the person making the report. In my case, XXXX - XXXX. These entries appear to represent information outside the legal scope for inclusion in a consumer report. 

Furthermore, as per 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without explicit consent from the consumer. It seems that XXXX - XXXX was shared without my authorization, thus violating my privacy rights under this statute. 

Despite reaching out to XXXX for resolution, they have refused to comply with the penal codes stated by Congress under consumer law. Therefore, I am requesting the immediate removal of the stated account from my credit report. Under the FCRA, you are obligated to address and correct such penal code violations within 30 days of receipt of this letter and to remove any information that is inaccurate, incomplete, or unverifiable. 

I expect prompt action to correct these inaccuracies in my consumer report with the Consumer Reporting Agencies. Additionally, I request written confirmation from the consumer reporting agencies to verify compliance with this request and a revised copy of my credit report after the deletion of the disputed information. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me by mail for any further information or clarification needed. 

Thank you for your assistance in this important matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX I called Wells Fargo to request a repayment plan for XXXX, XXXX an XXXX payment. I was told I had to apply for a loan mod and the company will determine what option I will get. In XXXX of XXXX Wells Fargo decided to give me a payment {$20.00} more than what I have been paying and the company up my interest rate. I still do not understand y I could n't just get the repayment plan I asked for during the time I called and ask for assistance. Now on XXXX XXXX, XXXX I tried to make a mortgage payment online and was not able to. The weather was bad in XXXX and also the bank was closed on XXXX XXXX XXXX. I bank with Wells Fargo and should be able to make a mortgage payment online.
Product: Credit reporting

My problem is, that Equifax and XXXX still reportng a loan that has 9-year 's old ( XXXX XXXX ). I would like to be removed. XXXX had them removed XXXX XXXX already, but not removed from the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account.

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation.

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form.

5. As of today, I pay XXXX and XXXX  for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In, XXXX through XXXX, I reported information to each XXXX credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies XXXX years ago.
Product: Debt collection

Pheaa made false statements in CFPB Case # XXXX by stating that the prior complaint " fully addresses your concerns '' -- this is a lie ; I asked Pheaa for the following, and it was not provided. I still need this information : XXXX. The accounting of the debt they placed on my pension. How did Pheaa come up with that figure? 
XXXX. Proof of the repayment plan that Pheaa  claims they offered, prior to deducting from my pension.
Product: Debt collection

To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. SWBC informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from 0 ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that SWBC told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies l, my financial institution and XXXX failed to investigate my claims adequately.They informed me that covering lost funds is impossible.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are imcomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX ] are not complete and accurate. 

[ XXXX XXXX XXXX & XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXXXXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Product: Checking or savings account

At the beginning of XXXX, Bank of America closed my account, but to this day there is still {$5600.00} in the closed account that has not been refunded to me, and they claim that they are still investigating. However, I need money urgently because I need XXXX recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXX XXXX XXXX ) XXXX I want it to be removed I do not know anything about it. 
On the XXXX of XX/XX/2022 an Enquiry was added from XXXX XXXXXXXX XXXX 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX  XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX I do not know this enquiry I want it to be removed ' XXXX was cloced years back I want it to be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX I also want that account to be removed it just recently added without my knowledge
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX  accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are!
Product: Student loan

Short ver : Graduated college, could not find a job like most. 
XXXX income but some money in savings, Called XXXX XXXX and later Navient about what options do I have for someone with no income and about XXXX in savings and both loan servicers said flat out do a deferment with no mention of any of the other repayment plans such as income based and income contingent plans. IBR would have been perfect because I still had some money in the bank to at least pay something to lessen the interest hit. The reason is they make more from the capitalized interest than on another other applicable payment plan.
Product: Checking or savings account

On XX/XX/year> there were two unauthorized charges at my online bank that I use called Current. One charge of {$170.00} and {$1200.00}. It made my bank negative over {$1200.00}. I filed a dispute and had the bank send me a new card. I had my social, birth certificate, ID and phone stolen, and I ended up filing for identity theft in XXXX and again a few weeks ago. I would contact the bank every day asking them to return the money until the dispute was being investigated because they should have credited my account until then. Well, they hurried up and said the dispute was resolved after I contacted them again and I asked them what the evidence of the dispute was, and they could not provide me with the information. They kept ignoring the question. I added a police report and sent the proof of me filing ID theft and had to file an appeal because they are trying not to give me back my money. It is causing hardships now and I'm about to lose my home. I do not have overdraft on my account either so no matter what they should have never let a charge exp that big go through. It has been a nightmare trying to get my money back.
Product: Credit reporting or other personal consumer reports

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 hard inquireies- XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Victim of identity theft and multiple accounts were opened in my name. Social security collected and others things. errors on late payments issues with experience and other credit reporting agencies
Product: Money transfer, virtual currency, or money service

They locked my account. It has been locked for 2-3 months now. I have submitted at lease a dozen inquiries and have only received the automatic email responses. No action or dialogue has been generated.
Product: Vehicle loan or lease

I bought XXXX XXXX XXXX used XXXX through bridgecrest auto loan .they charged me heavy interest XXXX % .i wanted a car so I had to buy it do work .i was doing XXXX jobs that time coz my father was undergoing XXXX failure and so many health issue .as a son i worked had and taking care of my dad.unfortunately my dad couldnt make it XXXX XXXX XXXX year ago .these company repossessed my XXXX .i missed the payment.i accepted it. 
Now I am fighting back to get my life back .this monster company dont agreeing any terms
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXXXXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}
Product: Debt collection

duplicate listing on my report. the debt was transferred to another company. I paid it but the original listing still appears on the report.
Product: Mortgage

This complaint is based upon the delay getting Forebearance agreements approved and according to a Lawyer, an Appraisal that was pumped up about $ XXXX above what the house is worth.The buyer bought the home for $ XXXX just 6 months prior to the sale and basically put Lipstick on a Pig. I put all of the improvements into it myself and it still is not worth its appraised value. The retained Lawyer has also stated that Guild Mortgage has violated several Federal Laws ( False Claims Act ) in which they were just fined for in XXXX of XXXX. 
The same time period that this loan was closed. 
There are also documents that were not filled out by the buyer. 

Due to an XXXX  that I have known as XXXX XXXX  ( contracted XXXX on XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX by the XXXX as XXXX XXXX condition unspecified ), I have not been able to work. This illness has prevented me from paying the ( 3 ) payments currently due now. 
Guild Mortgage has given me a deadline of XX/XX/XXXX to pay these ( 3 ) payments and if not met, they will proceed with Foreclosure. My end game at this point is to get these Forebearance forms, which I have submitted, approved as soon as possible. This will give me time to get approved for Disability and Medicare through the Federal Government. 
I also expect to have the Loan deficiencies corrected according to the law as soon as possible. 
The following documents are attached : Property Condition report Estimated cost to buyer Correction document Appraisal Acknowledgement
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Debt collection

LVNV Funding LLC, Resurgent Capital Services, XXXX made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the XXXX 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXXThis includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness. 

They have made threats with letters, electronic communication about information which is false I did NOT consent to which a violation within XXXX ( mail fraud ) and The Privacy Act of 1974. 

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusation. LVNV Funding LLC, Resurgent Capital Services, XXXX and other affiliates they hired committed identity theft against me need to close their file immediately and remove their information from my credit report as having it on there is both collection activity which violates federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX