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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to send a letter requesting an investigation of my account with XXXX XXXX to the address that XXXX XXXX reported to the credit bureaus. I got the address directly from my credit report. However, my letter was returned undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was trying to buy a house I realized I had damages on my credit report according to the XXXX XXXX XXXX law there should be No damages on my report this has caused me hardship and is gross deformation to my character knowingly reporting inaccurate fraudulent information against me in efforts to destroy my character. Also the XXXX XXXX law has been violated against me concerning a bankruptcy
Product: Debt collection

FTC filed HELM ASSOCIATES debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX  and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting negative incorrect information on my credit report i have asked them numerous times to correct it and they refuse they keep responding verified with XXXX i have previously attached a copy of my XXXX report showing where it is not being reported on my report but still comes back verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter regarding the violation of the Gramm-Leach-Bliley Act by the company XXXX. It has come to my attention that XXXX is not allowing me the right to opt out of disclosure, which is a direct violation of my privacy rights as outlined in the Act. 

According to the Gramm-Leach-Bliley Act, individuals have the right to control the disclosure of their personal financial information. This includes the right to choose whether or not their information is shared with third parties for marketing or other purposes. As a customer of XXXX, I should be granted the opportunity to exercise this right and opt out of such disclosures if I wish to do so. 

I kindly request that XXXX promptly rectify this situation and provide me with the necessary means to opt out of any and all disclosure of my personal financial information. Failure to comply with the requirements set forth by the Gramm-Leach-Bliley Act may result in legal action being taken against the company. 

I appreciate your attention and prompt action in resolving this matter. Please provide me with written confirmation once the necessary changes have been made to ensure compliance with the Act. Should you require any further information or clarification, please do not hesitate to contact me at [ your contact details ]. 

Thank you for your cooperation and understanding.
Product: Debt collection

On XX/XX/2022 I've sent Midland Credit Management a proof of validation through the cfpb and through mail. XXXX has failed to show and provide me validation of this alleged debt. Stating that they followed FDCPA guidelines and laws. They have directly broken the law under 15 U.S.C 1692G ( 4 ) ,15 U.S.C 1692G ( 5 ) and 15 U.S.C 1692C ( A ) which are XXXX per violation.
Product: Student loan

XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Department of Education Accounts and Request for Compensation Dear CFPB, I am writing to dispute three negative accounts reported by the Department of Education ( DeptEdNelnet ) on my credit report. Below are the details of the disputed accounts : DeptEdNelnet Account 1 Account Number : XXXX Date Reported : XX/XX/XXXX Status : Collection/Charge-off DeptEdNelnet Account 2 Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Status : Past Due 120 Days DeptEdNelnet Account 3 Account Number : XXXX Date Reported : XX/XX/XXXX Status : Past Due 90 Days These accounts are inaccurate and should not have been reported. As per the Department of Education 's policies and the executive order issued by President Joe Biden freezing student loan payments and collections, no negative actions should be taken against borrowers during this period. 

Under the FCRA 611, I request an immediate investigation into these accounts and their removal if validation can not be provided. Furthermore, I am seeking compensation for the financial and emotional harm caused by these inaccuracies, as allowed under FCRA 616. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 'm making a complaint against Equifax for their negligence is not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records US DIST CT XXXX- I 'm proving the proof that you have a date that does NOT exist reporting on this bankruptcy! You have XXXX/XXXX/XXXX listed as the open date - I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA. In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Product: Credit reporting, credit repair services, or other personal consumer reports

- XX/XX/XXXX ; Ally Financial was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with Ally Financial Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX Ally Financial sent confirmation mail, " Ally has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with Ally Financial discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*Ally Financial sent confirmation mail, " Ally is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to Ally about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX , " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Product: Mortgage

I have submitted a Qualified Written Request to Specialized Loan Servicing as I am very concerned with my closing documents, and who has the wet-inked, original Deed and Note of my loan, as well as Assignments and Substitution of Trustees. I am also very concerned about the fees and many other concerns and therefore, I am sending this request to be clarified in detail. 

This company, Specialized Loan Servicing, has not provided any information to me verifying any of my questions presented and yet has a XX/XX/2019 sale date to steal my property before they can prove to me they can legally move forward or who the owner of my loan is! 

I am reporting SLS for not providing me with my requested documents and answers to my questions, for not being able to prove that they have a right to even service this loan, let alone provide me with the owner of the loan. I am asking for your protection as you enforce the rules and laws that SLS is supposed to be complying with, report and fine SLS for non-compliance with my Qualified Written Request and not allowing me time to receive nor review their response once I eventually receive it and force SLS to comply with the written law.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. I sent correspondence to the relevant parties more than 30 days ago, but have received no reply, nor have they adequately verified these entries. I am seeking your help to address this issue.
Product: Vehicle loan or lease

I have been residing in XXXXXXXX XXXX to help recover from a medical condition. As everyone knows Hurrican Milton has destroyed the city. 
I unfortunately have been misplaced and lost possession of everything including my work laptop. 
I reached out to XXXX XXXX XXXX XXXX for disaster relief assistance. 

Ive been told by several employees including Supervisors that I dont qualify for assistance due to my account already being delinquent. I explained to them I was in XXXX working overtime to bring my account current and I havent been able to continue working to do so because of the hurricane.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and Im clueless about how they got there. I routinely check my credit report, but this time there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. Due to this issue, Im requesting a thorough review of the documents Ive sent to ensure I never have to worry about this again.
Product: Credit card

I have a letter stating from American Express a balance owed of {$3500.00}. That has a full settlement amount agreement of {$200.00} which was paid in full. And they are still contacting me to pay more. I have the original copy of the letter
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Equifax for Account Restriction I am filing a formal complaint against Equifax for unfair and unlawful restrictions on my account. Despite complying with their request to upload my identification documents, they have continued to deny me access to my credit file, effectively blocking me from reviewing and managing my credit report. agent name XXXX ID number XXXX Details of the Issue : Equifax restricted my account, citing the need for identity verification. 
I provided all requested identification documents through their portal as instructed. 
Despite my compliance, Equifax has failed to restore my access, violating my consumer rights. 
Their failure to act has caused me unnecessary stress and inconvenience, preventing me from monitoring my credit properly. 
Violations of Federal Laws : Equifaxs actions constitute violations of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 : Section 1681g : Requires consumer reporting agencies to provide consumers with their credit file upon request.

Section 1681i : Mandates a proper reinvestigation process when disputes arise. 
Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531 : Prohibits unfair, deceptive, or abusive acts and practices by consumer financial institutions.

Federal Trade Commission ( FTC ) Act Unfair Business Practices : Restricting my credit file access without justification or due process could be considered an unfair trade practice. 
Relevant Legal Case : Equifax has previously faced legal action for similar misconduct. Notably : Federal Trade Commission, CFPB v. Equifax ( 2019 ) Resulted in a {$700.00} XXXX settlement over failure to protect consumer data and mishandling credit report issues. 
Requested Resolution : I demand immediate action from Equifax to : Restore my access to my account and credit file without further delay. 
Cease their unfair practices of restricting consumer access without justification. 
Provide written confirmation that my account is fully reinstated. 
If Equifax fails to comply, I request the CFPB to intervene and take appropriate enforcement action against them. 

I appreciate your prompt attention to this matter. Please confirm receipt of my complaint and inform me of any further steps needed.
Product: Mortgage

While on forbearance, I was sent a letter stating that I was delinquent and that the lender might pursue foreclosure. I requested an extension to my COVID forbearance through the website, however the servicer did not respond. I got a call on the phone, but it was completely silent and there was no response on the other end. When I tried to call them back, their automated system could not identify me by phone number, loan number or SSN. When I attempted to be connected to a customer service representative, it disconnected me. I believe this business attempts to force homeowners into foreclosure by documenting false attempts to reach the homeowner and refusing all actual contact or attempt to engage in loss mitigation with them during that time.
Product: Mortgage

FEMA changed the flood category of our property in late XXXX. We were not informed of this change until we received a letter in early XXXX from Freedom Mortgage indicating that flood insurance was now required. We promptly complied and obtained a flood insurance policy in late XXXX which we paid for ourselves. 
Freedom Mortgage is now attempting to force us to pay escrow for flood insurance. 
My mortgage document specifies that the buyer will provide hazard insurance including flood insurance. Freedom Mortgage is the XXXX holder of the mortgage has no right to change its original terms. I have paid for the flood insurance in a timely manner and it is in force until XX/XX/XXXX. 
Freedom Mortgage is demanding {$390.00} per month ( or {$4700.00} per year ), but my flood insurance policy cost {$2000.00} per year. Thus they are trying to defraud me of {$2600.00} per year. 
Freedom Mortgage claims that there is an escrow deficit of {$2000.00}, but since we paid for the flood insurance, there is no deficit. 
I made the XXXX payment in the correct amount of {$800.00}. The check, which bore the note : " Principal and interest only. No escrow '', cleared my bank on XX/XX/XXXX and was obviously on time. Freedom Mortgage assessed a late fee of {$40.00}. In addition, Freedom Mortgage did not credit my account for the {$800.00} which I paid and they accepted. The {$800.00} does not appear on the monthly statement. Also, Freedom Mortgage now claims that this account is in default despite the fact that all payments have been made on time and in the correct amount. All of these of actions are out and out fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used my information, meaning IDENTITY THEFT AND FRAUD. I didn't give them permission at all to use my personal information. I have sent them countless emails for them to remove these inquiries and bogus accounts. I even sent them 15 USC 1681c-2 and 15 USC 1681B ( a ) they continue to disperse my information to other agencies, and it is extremely frustrating to gain good credit, house, car or credit, because they are accessing incorrect information, and without my permission to use ANY OF MY PERSONAL INFORMATION. They have constantly ignored me, after asking and demanding that they remove these items! They also ignored the USC-laws as well.

Please see that these items are indeed removed.
Product: Mortgage

My mortgage was transferred from XXXX to Mr. Cooper as of XX/XX/XXXX and my payments to the new company are being paid but not applied to my mortgage. The old company XXXX was to send the payments if they went to them but I addressed and sent to the new company yet XXXX went to XXXX and they refunded it to me and I sent it right back to Mr. Cooper. My payments are all paid actually I should now be a payment ahead in my panic to make sure my mortgage is paid. I sent my bank statement reflecting payments made as follows : XXXX was paid to XXXX the payements to Mr. Cooper and I validated the address and account number with them when my payments were just missing and he said yes this is our error yet they still were not applied I sent to the research company as they advised and I am getting default notices and 45 day foreclosure notices yet they have payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so I should be a payment ahead yet I am getting foreclosure notices. I have called 3 times and sent emails as requested to the research email. 

My account number is XXXX. 

I want all the late fees removed and letter stating I was never in default and mostly to find my thousands of dollars that just seem to be lost by Mr. Cooper.