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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account number XXXX {$420.00} 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account number XXXX {$490.00} XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account number XXXX {$420.00} Personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Mortgage

Due to other financial issues, I became delinquent on my mortgage with PrimeLending Loan Servicing backed by XXXX XXXX. When I lost 100 % of my employment hours due to COVID and the passing of the CARES Act, I requested a forbearance on my mortgage. I was initially told it had been applied, they read the terms and conditions to me and said I would receive additional information in the mail. The only thing I received was loss mitigation paperwork. When I called back I was advised by 3 different reps I did not have forbearance and if I wanted one I must complete the loss mitigation paperwork. 

I called XXXX XXXX, when they got back to me after speaking to the lender they stated I was in an active forbearance. I asked what date it went into effect and expired as well as if they would then be paying my homeowners insurance policy per my escrow account and if I could make payments in the interim. They advised I call the lender. 

When I reached back out to Primelending I was again informed I do not have an active forbearance and if I wanted one I needed to complete the loss mitiation paperwork. I told the rep Primelendin has informed XXXX XXXX I am in an active forbearance and per the CARES Act they must allow me to be. The rep stated because I was in default prior to the CARES Act it did not apply and I must complete loss mitigation paperwork. 

I called XXXX XXXX back and advised the rep of what I just stated, they said they would get with the lender and either have the lender or the person handling my issue call me back. No one has called, the eviction memorandum for XXXX XXXX backed loans have expired and they can literally sell my house any day now. 

I am working on resolving my financial disputes and they should be solved within the forbearance period. I would then be able to pay all of my delinquent payments and become current on my loan. I can not if they refuse to give me a forbearance.
Product: Credit reporting or other personal consumer reports

Ive recently become a victim of identity theft, and my personal information has been used without my knowledge or consent. As a result, I am now seeing several accounts and inquiries on my credit report that I have never opened or been associated with. To address this, I followed the proper steps, including filing a report with the FTC and submitting it to Experian. Despite this, the fraudulent items are still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX. This dispute was to request that two late payments be removed from my credit report as they were inaccurate. These payments were reported on in XX/XX/XXXX and XX/XX/XXXX. At some point, my credit report was changed to show no payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with one late payment on XX/XX/XXXX. 

Furthermore, I have attached a statement from XXXX Fed showing that I clearly made the XXXX payment on XX/XX/XXXX. 

I did not receive a response within the 30 day window as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOLLOWING THE RECENT EXPERIAN CREDIT BREACH LISTED IN RECENT SECURITY WORLD WIDE ALERT STATES THAT THAT ONLY AFFECTED THE  CONSUMERS WHO VIEW THEIR EXPERIAN REPORTS ONLINE ( SEE ATTACHED EXPERIAN WEB DOCUMENTATION TO PROVE THIS TRUE ) I NOTICED THIS UNAUTHORIZED FINANCE ACCOUNT ( THAT WAS PREVIOUSLY DELETED/AND MARKED AS AN UNAUTHORIZED FRAUD ACCOUNT ) FOLLOWING THIS RECENT EXPERIAN CREDIT DATA BREACH EXPERIAN HAS RE-APPLIED THIS UNAUTHORIZED ACCOUNT ( XXXX XXXX {$1600.00} ACCT # XXXX ) BACK ON MY CREDIT REPORT WHICH IS ( AGAINST THE FDCPA LAW ), ALSO THIS ( UNAUTHORIZED HARD INQUIRY ON MY EXPERIAN XXXXREDIT FILE ) XXXX XXXX XXXX XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

In XX/XX/XXXX, I started opening my husband 's XXXX XXXX XXXX mail/bank statements as he had been in cognitive decline, with no business for over 2 years. I discovered a Small Business Credit Card statement from BANK OF AMERICA with a balance of approximately {$4000.00}. Payments had not been made by my husband for a few months. Since XXXX of XXXX, time of discovery, I have been making monthly payments, always at least a bit above the minimum required amounts. We are living on Social Security and my part time XXXX XXXX wage. The only activity on this account for several years now, have been my regular monthly payments and Bank of America 's interest charges. After 14 months, the balance still stands at {$3200.00}. 

Many attempts in person, on telephone have been made to reach resolution, make a settlement offer or at least reduce the interest rate on this dead account. After getting nowhere with my husband present, I obtained DPOA in XX/XX/XXXX. This is when he was formally diagnosed with XXXX XXXX XXXX. There was repeated misinformation given in the local financial center and over the phone on how to get my certified, notarized DPOA copies to the right Bank of America location. My DPOA forms have been sent three times since XXXX of XXXX, following three inconsistent instruction on the proper procedure. 
There have been literally tens of hours on telephone with offices in New Mexico, Delaware, South Carolina ... maybe others. I have worked my way up telephone heirarchy tiers to reach managers on several occasions, all promising to call me back with help/information re : a resolution or settlement procedure. Not one call back. 
Many calls have been dropped after hour-long holding or runaround processes. Most managers have said there is no sign of having received my DPOA. On XX/XX/XXXX one manager DID acknowledge that my DPOA actually had been received, but that it had not been " entered into the system. '' I have this manager 's first and last name. He promised to call me back with information the following day. I was hopeful. No call. 
On fruitless calls with managers since then, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and XXXX I was NOT helped after lengthy shuffling. Some calls were often dropped with no call backs. Apparently, at present, there is no sign that I have DPOA for this old inactive business account. I have regularly made 14 monthly payments since discovering my husband 's debt while interest fees continue to pile up. After frustration and misinformation I had to let it go for the last few weeks. 
Now I have found out about possible help from CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Product: Debt collection

Contacted a representative on XX/XX/XXXX regarding a letter received about a bill previously paid more than 2.5 years earlier. Informed rep bill from XX/XX/XXXX was paid in full on XX/XX/XXXX, confirmed by their records. Asked for explanation why adjustment was made on account that created new balance as of XX/XX/XXXX. Rep could not explain, advised to contact insurance. I stated wanted to dispute balance while reviewing with insurance, rep said to send letter but I declined as the letter received stated could call to dispute. Rep stated she would note file, then Rep disconnected call. Received new letter and contacted again on XX/XX/XXXX. Reviewed entire situation again with " XXXX ''. She advised I would need to send EOB showing balance paid, after I asked for explanation why there is a balance after it was paid 2.5 years ago. She could not answer, became patronizing, then hung up the call without providing requested information. 
HRRG continues to call daily despite efforts to inform them this is an administrative issue where I have the documentation that the bill was paid over 2 years ago.
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. 
Account name : # XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name # 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 XXXXXXXX has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
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 that need to be investigated and corrected 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 XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with XXXX, XXXX  and Transunion credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED FIXING THE PROBLEM A FEW TIMES SUBMIT CANCELLATION OF DEBT TO ALL PARTIES FROM IRS PAID IN FULL EVEN UPLOADED PROOF OF DOCUMENTS 1099 C ACCEPTED BY IRS WAY BEFORE NEGATIVE ITEMS HIT AND HARM MY CREDIT REPORT ASK FOR AN REINVESTIGATION OF ACCOUNTS XXXXXXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX STATES IF STATEMENT FILLED PURSUANT TO RULE 13D-1 ( B ), 13D-2 ( B ) OR C SECTION 18. 

XXXX XXXX XXXX XXXX. Subpart C of this part applies to any person that uses information from its affiliates for the purpose of marketing solicitations, or provides information to its affiliates for that purpose, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111203, 124 Stat. 137. 
Pre-existing business relationship ( i ) In general. The term pre-existing business relationship means a relationship between a person, or a person 's licensed agent, and a consumer based on : ( A ) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation covered by this subpart ; ( B ) The purchase, rental, or lease by the consumer of the person 's goods or services, or a financial transaction ( including holding an active account or a policy in force or having another continuing relationship ) between the consumer and the person, during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart ; or ( C ) An inquiry or application by the consumer regarding a product or service offered by that person during the three-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Equifax credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on Trans Union and XXXX. XXXX has corrected it. Thank you, XXXX.
Product: Credit reporting or other personal consumer reports

Payment made on XX/XX/XXXX not 30 days late being reported as no payment made in XXXX! Have proof of payment as well as fraudulent insurance policy being added to escrow for flood insurance. Sent proof of insurance for building as usual each year but for the XXXX time claimed they did not have it and added XXXX to my escrow first time a few years ago and did it again in XXXX at XXXX a month when our building is not in a flood zone and policy was not even needed! Will not allow access to account on line before making other demands for odd amounts first!
Product: Debt collection

This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.
Product: Credit reporting or other personal consumer reports

The company Caine & Weiner is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) 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. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

Caine & Weiner ( XXXX )