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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions ot the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to tell you that I am a victim of Identity theft. The items I question have no connection with me or the transition I've made. 

Please block these erroneous items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) account # XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) account # XXXX, has violated my rights. 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.
Product: Mortgage

Since XX/XX/XXXX, I have been trying to get approved for a Short-Sale. On XX/XX/XXXX of the same year the loan was transferred from XXXX to PennyMac. I had to submit all the necessary paperwork and on XX/XX/XXXX, PennyMac approved TPP Agreement with a monthly payment of {$1100.00} interest rate 4.65 %, I declined the offer as I could not afford the payment. I was approved for a modification in XX/XX/XXXX w/ a monthly payment of {$1800.00} and unfortunately, I defaulted and came to a conclusion that I can not afford my property. I tried to explain numerous times to XXXX XXXX, supervisors, management, and they all felt very strongly about the decision. On XX/XX/XXXX, I requested a copy of my Promissory Note and all endorsement and again made the same request on XX/XX/XXXX as they keep ignoring my request. I am facing a foreclosure on XX/XX/XXXX. The foreclosure Notice from XXXX XXXX XXXX did not indicate that the loan is an FHA with a Case # and also failed to include in the letter form XXXX and all the required forms, and also stating that the firm is representing XXXX XXXX XXXX as a holder of the mortgage. The loan was originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX being solely the Nominee for the lender ; by chain of title XXXX  XXXX XXXX does not have ownership of the loan XXXX continues to be the Nominee for XXXX XXXX XXXX XXXX. The assignment of mortgage dated XX/XX/XXXX was incorrectly prepared by XXXX. It is The present Services ( PennyMac ) responsibility to enforce to enforce ownership of the mortgage and the note on behalf of the note holder. On XX/XX/XXXX, I received a letter from the same Foreclosure Attorney stating that his office was retained by PennyMac Loan Service, LLC. Attached are all the documents to justify and prove my complaint and also asking for help as PennyMac is in violation of amendments to DODD-Frank Wall Street Reform and Consumer Protection. I hope this matter will be resolved and justice will be made to stop all the abuse that I have been going through. I strongly feel that PennyMac violated my Home Owners Bill of Rights, not treating me fairly and ignoring all my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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
Product: Debt collection

Subject : Request for Account Review and Refund Due to XXXX XXXX XXXX Shutdown Dear CFPB Team, I am reaching out to you as a customer who has been impacted by the recent shutdown of XXXX XXXX XXXX and its subsequent effect on my treatment plan. I am in the middle of my treatment plan, and requesting for a refund which is financed treatment through XXXX XXXX XXXX via Healthcare Finance Direct LLC services.

Healthcare Finance Direct LLC services keeps calling me to make payments for the services and treatments that were not provided by XXXX XXXX XXXX and was threatened that failing to make payment will result in debt collection agency and will impact my credit score. 

My name is XXXX XXXX, and my account information is as follows : Name : XXXX XXXX XXXX ID : XXXX Phone Number : XXXX It has come to my attention that essential services promised as part of my treatment plan with XXXX XXXX XXXX, including customer support, access to the XXXX XXXX XXXX app, aligner replacements, lifelong touch-ups, and the Lifetime Smile Guarantee, are no longer available due to the company 's closure. 

Given this sudden cessation of services, it is evident that the terms of our agreement have been significantly altered, as the services for which I am making payments are no longer being provided. This raises serious concerns regarding the continuation of payments under these changed circumstances. 

Therefore, I am formally requesting an immediate review of my account and the suspension of future payments until a fair resolution is reached. I have been charged for services that were not provided or met, and I request that my account be placed on hold until a customer support plan is approved by the creditor and the attorney general. 

It is imperative to reassess the financial obligations considering XXXX XXXX XXXX 's current inability to fulfill its contractual promises. 

This situation not only affects me personally but also impacts numerous other customers facing similar circumstances. Thus, I believe a collective review of this situation is necessary to address the concerns of all affected customers in a fair and equitable manner. 

Thank you for your prompt attention to this urgent matter. 

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

Please know the information on my credit report is not correct. I've listed name and addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source.
Product: Debt collection

contacted creditor and sent fraud affidavits regarding frequently account creditor fail to respond to dispute letter and cease and desist letter
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX Credit Card for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! 

Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

Thanks, XXXX 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Source Receivables Management is trying to collect a debt that was sold to them by XXXX. I never signed any agreement with Source Receivables Management. I sent a certified letter to them requesting a contract that has my signature on it stating that I owed their company. They sent me the contract from XXXX. XXXX has already written off this debt and received a tax credit for the debt. Also, Source Receivables Management is not licensed in the State of Georgia to collect debts. I have sent certified letters to XXXX, XXXX, and XXXX making them aware that Source Receivables Management can not collect in Georgia and they still verify the debt and leave it on my credit. I provided the credit bureaus with the information that i received from Source Receivables Management. XXXX has stated that they verified the debt via XXXX XXXX. My XXXX XXXX account has been frozen fro over two years. Not sure how they are able to get information from XXXX XXXX when my account is frozen. My account has also been frozen with XXXX, XXXX and XXXX. It is very evident that XXXX, XXXX and XXXX are not reading the correspondence that shows the evidence of my complaint.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely CORRECTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage payment has increased by {$800.00}. I only was notified when I called. When I asked for the details, I was advised that part of my increase was due to XXXX insurance companies being paid for my homeowners insurance. XXXX XXXX and XXXX. XXXX was distributed XXXX when I never was uninsured or agreed to the insurance. I changed my insurance form XXXX ( because the premium has increased to {$20000.00} a year ) to XXXX XXXX. Someone from Ocwen called me because they had received the request from XXXX to pay the {$20000.00} at that time I reminded the OCwen agent that my new policy was with XXXX XXXX. Ocwen should have never issued XXXX XXXX XXXX a check and advised me that I was was responsible for reaching out to them. Also I was advised that my escrow was in a negative of {$10000.00} but no one could explain to me in detail how my mortgage payment increased to {$800.00}. I advised Ocwen Manager/Supervisor XXXX that I could not afford to pay the new mortgage payment and advised if there was anyway to spread my escrow deficiency from 12 months to 24 months. XXXX advised me that " If you can not afford the payment, then you can not afford the property ''. I advised that this could lead to a Foreclosure. He stated he could send me a refinance application. I do n't think that I should have to refinance my home due to an escrow issue that was created due to Ocwen errors. This is an unfair and deceptive practice that Ocwen is engaging in.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services for their failure to maintain accurate information on my credit report and their inability to verify disputed accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Despite multiple attempts to correct my credit report, Equifax continues to report incorrect personal information and inaccurately list several accounts that do not belong to me. Specifically, my credit report contains the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 These addresses are not mine, and I have repeatedly requested their removal, but Equifax has failed to correct them. 

Furthermore, Equifax continues to report several accounts inaccurately. These accounts include : XXXX Card Services Reported : XX/XX/year> Balance : {$1600.00} Status : Closed XXXX  XXXX  Reported : XX/XX/year> Balance : {$2000.00} Status : XXXX XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$4100.00} Status : Open XXXX XXXX  Reported : XX/XX/year> Balance : {$550.00} Status : Open I have disputed these accounts with Equifax before, but they have failed to verify their accuracy or remove them from my report. Under XXXX XXXX. XXXX, Equifax is required to investigate disputed information and correct or delete any inaccuracies within 30 days. Their failure to do so is a clear violation of federal law. 

Additionally, under the New Jersey Fair Credit Reporting Act, XXXX. XXXX, I am entitled to accurate credit reporting. XXXX continued reporting of incorrect information is causing significant harm to my credit and financial well-being. 

I am seeking the CFPBs assistance to ensure that Equifax corrects these errors immediately. I demand the removal of the incorrect addresses and the disputed accounts from my credit report. Please provide oversight and enforce the necessary corrective actions against Equifax to prevent further violations.
Product: Credit reporting or other personal consumer reports

Asked to dispute the accounts because they were not verified, By XXXX and the information is not accurate. XXXX said the accounts could not be verified, so how were they verified with Equifax.
Product: Debt collection

XX/XX/XXXX to XXXX {$3900.00} Account # XXXX World Financial # XXXX Her name is XXXX I asked for office address she didn't have office address!!! She keeps leaving messages and emails.. 
Barely trying to make it and want collect on the pandemic ...... 
Plus Thts Not my last she called me by ex married last name ( XXXX ) She threating to send documents to my HR garnish my wages!!!! 
And put a lien on my house if I didnt pay it!!! 
I told her to send me the document she said no until I paid it in full and only than she could send me the documents .... 
Tht was my ex-husband old bills which he has been incarcerated since XXXX This was open back. InXXXX It been over 24 years And they are still trying to collect She said last there was still activity on it XXXXWhich I know nothing abt... I have court documents where it states tht he Is responsible for any outstanding bills that we had together we divorced in XXXX... I told her tht too.. 
But still She keeps leaving messages to call her
Product: Debt collection

I had a previous account with Gas south which was paid off to the original creditor and Contract callers stated i owed them money and put a collection on my credit profile and after i showed prove it has been paid off to the original creditor XXXX XXXX. Contract callers updated my collection status on my credit as paid in full instead off deleting it Because i never owed money to begin with.
Product: Credit reporting or other personal consumer reports

Westlake financial services continues to report a balance on my credit report when they don't own the debt anymore. Westlake financial failed to send me required disclosure stated in UCC 9-611. ( NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ) Therefore making the contract invalid. According to CFR 1006.100 Westlake should have record, proving they followed appropriate guidelines and rules stated by FDCPA. My claim is they didn't follow FDCPA while violation on my rights in the process.
Product: Credit reporting or other personal consumer reports

THE INFORMATION PRESENT ON MY CREDIT REPORT HAS NOT BE APPROVED OF VERIFIED BY ME In accordance with the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 section 602 A STATES : YOU NEED TO PROTECT MY PRIVACY. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 : STATES : I NEED TO PROVIDE WRITTEN INSTRUCTIONS ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates