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

XXXX XXXX XXXX  had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked credit sesame and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

incorrect balances, past due amounts, or charge-off details. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit bureaus must report only accurate and verifiable information.Status : Charged-off with a balance of {$XXXX}, and {$XXXX} past due as of XX/XX/year> XXXX
Product: Debt collection

XX/XX/XXXX{$1500.00} Constant phone calls asking for personal information about a account.
Product: Credit reporting or other personal consumer reports

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 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 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 or other personal consumer reports

There is information that was mixed on my credit report, and it has been already deleted by both XXXX and XXXX yet you still kept on reporting this error on my credit which shows negligence and a blatant violation of my rights as a consumer, the transactions on this account and this item is not mine, this is really troubling and it's causing me undue stress and XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector keeps harassing me and other family members looking for a XXXX XXXX who we do not know. This is not even my last name. Some of my family members are elderly and they call and wake them up early in the morning. One man told a family member that he was a lawyer and they were going to serve her papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of retaliation for previous complaints Experian has BLOCKED me from filing a dispute online. Further, any time I call Experian I am on long extensive holds at all hours of the day, greeted by incredibly rude representatives who refuse to answer a very simple question ; Why am I blocked from placing a online dispute. 
Experian has a file on me they received from stealing information with their website which does not inform consumers of the information they are exposing by using the Experian website. I am requesting the complete unredacted file Experian has collected on me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Experian. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX XXXX XXXX ). The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Experian to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX 's actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue.

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXX 's disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

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

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in 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 the consumer or creditor. Please correct the account 's information immediately : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, I'm trying to report a fraud/scam of XXXX XXXX XXXX XXXX XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through XXXX. I asked them if there is a link that I can pay online and they said no. They gave me their XXXX phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal XXXX account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted WellsFargo, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. I respectfully request you investigate in this matter and eliminate this corruption practice. Best.
Product: Credit reporting or other personal consumer reports

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint concerning two separate, disputed debts, one with XXXX and the other with XXXX XXXX XXXX XXXX. These debts are inaccurately attributed to me, and despite my efforts to dispute them directly with the respective companies, neither entity has provided sufficient validation or ceased collection efforts. Below are the details of each disputed debt : XXXX. XXXX Account Number : XXXX XXXX : {$190.00} I received a notice from XXXX regarding an alleged debt for {$190.00}. I have disputed this debt in writing, but XXXX has failed to provide adequate documentation or evidence that validates this debt, such as billing records or a signed contract. 

Despite my dispute, XXXX continues to report this debt to credit bureaus, which is negatively affecting my credit score. I request that the CFPB investigate the following : Failure to Validate the Debt : XXXX has not provided any documentation to substantiate this debt. 
Improper Reporting : XXXX continues to report this debt to credit bureaus, causing financial harm despite it being disputed. 
XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$1200.00} I also received a notice from XXXX XXXX XXXXXXXX XXXX regarding an alleged debt of {$1200.00}. Similar to my experience with XXXX, I have formally requested validation of this debt, but XXXX XXXX XXXX has not provided sufficient documentation, such as a contract, account statements, or proof of the assignment of this debt. 

Despite my dispute, XXXX XXXX XXXX has continued its collection efforts and is reporting this debt to credit bureaus. I request that the CFPB investigate the following : Failure to Validate the Debt : XXXX XXXXXXXX XXXX has failed to provide the required documentation to support its claim. 
Continued Collection Efforts and Reporting : Despite the dispute, XXXX XXXX XXXX continues to pursue collection efforts and report this debt to credit bureaus.

Request for CFPB Action : For both cases, I request that the CFPB : Investigate the failure of both XXXX and XXXX XXXX XXXXXXXX XXXX to provide proper validation of these debts. 
Ensure that both companies cease collection efforts and update all credit bureaus to reflect that these debts are in dispute, or remove them entirely if they can not be validated. 
Hold these companies accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as appropriate. 
Attached are copies of the correspondence I have sent to both companies, along with any responses I have received. I trust that the CFPB will take appropriate action to resolve these issues and protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 

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

I recently review a copy of my credit report and notice I had fraudulent account on my credit report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT HOMEBRIDGE XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.
Product: Mortgage

During previous conversations with the loan XXXX, XXXX XXXX XXXX, he suggested that I extend my equity line of credit to fund the down payment for my new home with XXXX XXXX. He explained that I could hold XXXX mortgages by closing on my new home, then move into the new home, and then make a large principal lump sum payment on the new home with the proceeds after the sale of my current home, leading to a re-amortization. This was a concept I had not encountered before and had not considered as an option. 

After discussing this with my family, someone with extensive experience in the mortgage industry informed me that a suggestion to hold XXXX mortgages in this manner is considered a predatory lending practice. Given my limited experience in this area, I now realize that this approach could put me at significant financial risk which was not disclosed by the loan XXXX. I feel misled, as the financial implications were not clearly presented to me, and borrowing my down payment is not a strategy I am comfortable with. XXXX, mortgage loan XXXX also refused to communicate via email and would only discuss all matters over the phone. 

I have been advised that this situation should be reported to the Consumer Financial Protection Bureau ( CFPB ). I respectfully requested a release from my contract and a full refund of my deposit and XXXX money. 

The email response I received contained mostly all inaccurate information. I never said I wanted to be non-contingent. I was never told about a knock loan and that description was never used. I was never told there was a third party. I was never told construction would not start if I could not sell my home as he is implying. He spoke of borrowing the funds for the down payment after I had already signed the contract and placed my XXXX money and deposit down. I did not change jobs, I was offered a job but did not take it. I wanted to communicate with the XXXX XXXX via email not over the phone once I was made aware this type of lending practice was predatory. Im not sure what they meant when they said he attempted to contact me and I did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX charged my XXXX credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, XXXX failed to process the refund. The balance stayed on my XXXX  account. I didnt receive any notice from XXXX about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by XXXX. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with XXXX to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from XXXX 2. The delay of refund from XXXX failed to process in XXXX and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!
Product: Debt collection

There is a collector name XXXX contacting me at work and on my cell XXXX ext XXXX he is stating he is trying to locate me. he calls my job and just hits other extensions and talks to other people and asks them to give me a message. It needs to stop, he claims he is an attorney that i need to give a statement he leaves all this information on my voicemail not knowingif its me or not.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.