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

My spouse and I were financed with CNS Portfolio Service, the account was opened in XX/XX/XXXX and the car was totaled in XXXX, I have had numerous conversations with Representatives of CNS in regards to this account was never have been reported to the credit bureaus. The car was totaled in an automobile accident in which we didn't have gap insurance. I was advised by unscrupulous representatives who told me my account would not go to collections when it did I settled the account out and was advised 7 years ago account will be deleted, still, this day account is still be reported, the last dispute I submitted to XX/XX/XXXXin XX/XX/XXXX, still states under investigation. 

Thank you XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 02 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 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 am looking to fix the errors on my reports. There is information that is reporting that has been removed from my credit profile. But these accounts are now reappearing back on my credit. 
There is a list of accounts that I am not aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reporting incorrectly late payments. Please validate the payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Requesting disclosure of full investigation 15 u.s.c 1681d My primary email should stay the same on my account.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX  has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

I have been trying to submit my payment for our mortgage, due on XXXX  for about a week now. I have tried accessing the website XXXX XXXX XXXX XXXXXXXX XXXX as well as calling the pay-by-phone number ( XXXX ). Our monthly statement says it is XXXX subserviced by LoanCare. The amount due on XXXX XXXX XXXX. No e-mail address is provided by the company on our paper statement nor could I find one online to start creating a paper trail. When I call the number XXXX XXXXXXXX XXXX I receive a message " call could not be completed due to technical difficulties- please try again '' and then the line hangs up. I have the money ready to submit and I want to make sure that no late payment is recorded so that I do not have to deal with a late payment being reported to credit monitoring companies and so that I do now have to deal with any late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b a creditor may not treat, a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The debt collector has never provided me with documents from the original creditor showing that this debt belongs to me. Obviously, there is no paperwork to support that this debt belongs to me and therefore it must be removed from my credit report. Further more the debt collector has reported that this is a new debt opened XXXX. The same account showed up on my credit XXXX years ago and the collection agency could not prove this debt belongs to me so it was deleted. It reached the statute of limitations. Account status is open and open balance of XXXX. Please remove this account in accordance to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., You must report accurate and complete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a FINAL DEMAND for immediate action regarding the unresolved dispute on my credit report. Despite multiple prior attempts to address this matter, you have failed to take appropriate corrective measures, which constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal loan with XXXX XXXX XXXX that was a bad debt I owed XXXX . On XX/XX/2018 I sent a payment of XXXX to the bank to settle the account. XXXX and XXXX changed the balance to XXXX $ while Experian did not I have disputed this account on my credit report with Experian for the 4th time now and Experian is still showing a balance of XXXX $ even after I sent them a copy of the check that was made out to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees
Product: Money transfer, virtual currency, or money service

Today, XX/XX/20 Paypal mishandled my consumer data, resulting in a restriction of my account access, falsely stated unauthorized activity. The company denied me the right to close claims as I received refunds, in a fraudulent attempt to prevent me from removing debit & credit cards, so I can close my account with this company, that demonstrated both incompetency & fraud.
Product: Mortgage

I was recently in a forebearance program with my mortgage servicer ( SunWest Mortgage Co. ) I am fully caught up with all payments and attempting to re-enroll in their in-house auto payment program. Their loan portal shows me a message saying that I need to contact their customer service team to re-enroll in auto payments since I was enrolled in their forebearance program. This wouldn't be a problem but I can not get any customer service support. When I call I wait on hold for an hour then I am directed to an automated prompt telling me to leave a voicemail and they'll call me back. The call back never comes. I have also attempted to resolve this over their website 's online chat customer service and their own agents then tell me that i'll get a call back within 24 hours ... that never comes either. I find it odd and disconcerting because for a large company that has so many regional offices nationwide and who was until recently, so easy to contact and speak to an agent, is now impossible to communicate with. This seems highly suspicious to me in the way smoke makes me suspicious of fire.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 XXXX 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 credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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

I am writing to express my profound frustration and anger regarding the inaccurate reporting of my credit information by XXXX. It has come to my attention that there are significant errors in my credit report directly attributed to XXXX 's mishandling of my account information. 

Your company 's failure to ensure the accuracy of the data being reported has resulted in serious consequences for my financial standing. This is completely unacceptable. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit profile. Your negligence in this matter has caused me undue stress and inconvenience, and I will not tolerate any further delays or excuses. 

I expect XXXX to take swift and decisive steps to correct the errors on my credit report and provide me with confirmation of these corrections without delay. Additionally, I demand compensation for the damage caused to my financial reputation as a result of your company 's negligence. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to explore all available legal avenues to seek redress and hold XXXX accountable for its actions. 

I trust that you will treat this matter with the urgency and seriousness it deserves.
Product: Debt collection

The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX  would be able to resolve this by checking their records and serial numbers of the equipment.
Product: Mortgage

My name is XXXX XXXX. In 2010, my wife, XXXX XXXX and I had to file for Bankruptcy due to a job loss. My wife passed away last year and I am trying to sell the home. I am having trouble getting Wells Fargo to issue a payoff demand. I am in Escrow and the buyer is threatening to cancel because we have been waiting 2 weeks to get this information. 
Please help me to get this payoff amount asap. My SSN is XXXX. 
Attached is the Bankruptcy paperwork and Deed of Trust. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a ex XXXX XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Mortgage

I am a cosigner with my mother on a mortgage. My mother lived in the house and paid all of the bills, I just helped her get the loan. She has XXXX XXXX and will be moving to a facility but right now she resides with my sister in North Carolina who takes care of her. My mother cant move into a XXXX XXXX facility until this house is taken care of or they will take the house away. 

For 2 years I have been trying to do a short sale with OCWEN and have lost 3 buyers because OCWEN refuses to do the sale. Every 2 weeks they request the same documents and within 24 hours the same documents are provided to them. They do not ask for anything new just an monthly updated version of what was already given. 

I have an attorney XXXX XXXX that has also trying to get this do as well as the foreclosing attorney for OCWEN ( who works for OCWEN ) and between all of us OCWEN still will not close. 

I am about to loose yet another buyer because OCWEN giving us the run around. 

The stress that this has put on not only my mother but my sister how can not continue to take care of my mother any longer, and me because I am trying to do everything by the book instead of letting it go into foreclosure. My family is being pulled apart be this. Not to mention my credit has gone to XXXX because I have been dealing with this for way over 2 years. 

I need something to be done, please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I was deeply distressed to find several discrepancies that could significantly impact my financial well-being. Upon closer inspection, I discovered unverifiable, inaccurate, and outdated information that has been reported by your agency, which I believe was not properly verified or validated. 

As per the Fair Credit Reporting Act, all information on my credit report must be accurate and fully substantiated. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these inaccuracies and unverified items are in violation of the law, as they are not reported with 100 % accuracy. 

For your reference, I have attached copies of all correspondence related to this issue. I kindly request a prompt review and correction of these errors.
Product: Credit card

getting emails. NOw a card in mail, with an account number. I did not sign up for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please help me to resolve this matter. Just found out on my consumer file that Equifax has furnished a Bankruptcy on my credit file. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not share this information with Equifax or XXXX the company Equifax used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Equifax numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

Equifax said this account wasnt reported in XXXX. I applied for a loan and was denied on XX/XX/XXXX due to the Attorney General account showing. They keep reinserting the account. Its not my account. This item was an erroneous account showing as a credit account which I never applied or gave consent for and was a violation of XXXX5 USC 1681b and 15 USC 1681 c-1,15 USC 1682c-2 The information has now been reported again as of XX/XX/2024, Violating my Consumer rights under 15 USC 1681s-2a1a reporting information with actual knowledge of errors - 15 U.S. Code 1681e ( b ) reads " 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. '' It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner I will be seeking litigation in accordance to 15 USC 1681n and 15 USC 1681 o in monetary compensation for {$XXXX} k and the permanent removal of this error. 

This had prevented me the right to become a homeowner and defamation of character and my public appearance