23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information. 

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

II received an E-mail from Freedom Mortgage that I would receive a surplus check for {$3700.00} from the escrow analysis they did. XXXX XXXX, I called them and talked to XXXX and informed her that I have not received the check along with the escrow analysis statement. She told me that they mailed it out XXXX XXXX. I informed her that I have not received it, she told me to call back XX/XX/XXXX that is when they would put a stop payment on the check and re-issue another one. I called them XXXX XXXX and talked to XXXX and told him the situation about the surplus check that I have not received the check in the mail. He informed me that they can direct deposit the money in my bank account. I gave him my banking information and told me that the money would be deposited in 3-5 days, if it was not in my account by XX/XX/XXXX, for me to call them. I called them back XX/XX/XXXX and talked to XXXX, he informed me that it was still in process. Called them XXXX XXXX and talked to XXXX and told her what the last person told me about the situation, and she informed me that they DO NOT do direct deposit money to a customer 's bank account, they only mail them out. She told me that if the customer did not receive a surplus check from them, they would have to wait 30 days before they issue another check out. She told me that they issued another one out XXXX XXXX and that I should receive it in 7-10 days. I called them XXXX XXXX and talked to XXXX and informed her the situation. She tells me that if I did not receive the check next week, for me to call then and that they would send it direct deposit. I informed her that the last person that I talked to told me that they do not do that, and all she kept telling me is that If I did not get the check sometime next week, for me to call them and that they would do direct deposit.
Product: Credit reporting

XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXXACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I keep getting texts after opting out. They are harassing me making my XXXX go through the roof.
Product: Vehicle loan or lease

On XX/XX/XXXX, I executed a Monthly Payment Extension Agreement for my XXXX Audi XXXX. I returned the document to Audi via my online portal. Numerous times since that date, Audi confirmed they received this agreement and it is " in processing ''. This agreement allowed me to defer two payments and my next payment due date would be on XX/XX/XXXX. However, as of XX/XX/XXXX, this agreement has not been processed. They are showing a past due amount of over {$3000.00} on their portal and all three of my credit reports are reporting past due for that month. I have asked them to correct this information and ensure my account is up to date and also ensure my credit report is up to date and they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Incorrect : Previous addresses are incorrect on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i've disputed erroneous information on my credit report with Transunion. 
They failed to do a proper investigation. 
Account : XXXX  # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get his account removed off my account. And have disputed it multiple times.
Product: Debt or credit management

XXXX XXXX XXXX sold the debt relief services of Level One Law, a dba of Michel Law , LLC to me on XX/XX/2023. The plan was : through the services of yet another firm, XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OK XXXX ), I would engage in a XXXX program, during which i would pay them a total of {$30000.00} to settle {$36000.00} worth of unsecured debt. The monthly fee I paid them was {$640.00}, divided into these fees : {$150.00} retainer, {$330.00} service cost, {$48.00} reserves, {$99.00} legal admin fee, {$10.00} banking fee. After XXXX months in the program, no work on my behalf had been done, as tracked through a customer portal with XXXX XXXX and through my investigations with my creditors that i enrolled in the program. No creditors of mine had been contacted ; no negotiations engaged- no work for which i had contracted. All XXXX of my enrolled creditors verified this in email and statements. Therefore, on XX/XX/2023, I emailed and hard copy USPS mailed a cancellation request to XXXX XXXX and to Level One Law, as allowed per my contract ( cancellation at any time ). My agreement clearly states ( p. XXXX ) that upon termination by client, all savings and unearned fees will be refunded. I was in the program for XXXX months : XXXX, XXXX, XX/XX/2023. 
According to the payment schedule ( pg. xii ), I had at the time of cancellation {$190.00} in Settlement Reserves, which constitute the " savings '' referred to in the agreement. Aside from " banking costs '' in the payment schedule, which I assume are related to their collection of my monthly payment, I should be refunded $ XXXX in " unearned fees, '' per the agreement. This, plus the Settlement Reserves means a total of {$1800.00} refunded to me. I reached out in multiple emails and phone calls for this money, only to receive XXXX message that said they " investigated '' my cancellation and determined that {$120.00} is due back to me. I received this check in the mail, but have not deposited it as it is NOT the right amount due back to me. Not XXXX of the XXXX entities involved in this has responded to my repeated attempts to settle this despite emails and calls. I have asked for a detailed accounting of how they have spent the fees, which they have repeatedly refused to provide. Any law firm always provides minute by minute accounting of fees. 
That Level One Law/Michel Law does not do that is extremely suspicious. I need my money back immediately. I am a XXXX XXXX struggling to make ends meet after my husband 's XXXX illness, and needed help improving my debt picture so i can keep my house! This company took advantage of me. Please help me and future customers by stopping this company and getting back my money. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted National Credit System to inform them that the account they were reporting to XXXX and XXXX were the result of Identify Fraud & the signature on the lease agreement was not mines. I sent them a copy of my Driver 's License and Social Security card with my signature. I ask them to send me a copy of the lease agreement which did and signature is not mine, I then reach out to XXXX and XXXX about the situation and they both have fail to remove the account. Please advise me of how to proceed.
Product: Credit reporting or other personal consumer reports

XXXX has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, JPMCP pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from JPMCP nor XXXX, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT JPMCP which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling JMPCP for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

XXXX is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

XXXX claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper 600s, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866.

My score, TAMPERED WITH, also dropped XXXX XXXX from this " hidden JMPCB inquiry '' resulting in a DECLINED NOT DENIED APPLICATION.

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}.

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by XXXX. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by XXXX and others to the point of exhaustion!

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX High Credit : {$190.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Payment after charge off Paid profit and loss Account seriously past due date/account assigned to attorney, collection agency, or credit XXXXXXXX XXXX XXXX XXXX department. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX  Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}
Product: Credit reporting or other personal consumer reports

My consumer report is showing an account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX that has a {$0.00} balance but is still being reported to Transunion and XXXX but XXXX understanding the importance of this matter has removed this account. I would like this account removed immediately. Pursuant to 15 USC 1681, Section 602, I have a right to privacy regarding my financial information. Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), my consumer report should only include information that is necessary and relevant for the purpose for which it was obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX disputing XXXX  XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Mortgage

I entered a forbearance agreement ending on XX/XX/year>. The terms were to make the monthly mortgage payment for XXXX ( approx {$4200.00} ) in the beginning of XXXX and also pay off the total delinquent amount ( approx {$17000.00} at the time ) at the end of XXXX. I unfortunately lost my job during this period, and lost my projected income. I instead tried to make a hardship withdrawal from my retirement account. I had an issue transferring funds, which took additional time for me to get the amount needed. 

I was still able to get the total full amount to make the delinquent payment before the end of XXXX - I offered to make the full payment before the end of the month. However, I received notification that the mortgage company would not accept payment ( even though I was able to pay the full amount ) and had initiated foreclosure ( date set for XX/XX/year> ) I contacted a HUD counselor on XX/XX/year> who also contacted the mortgage company directly- but the refused to speak with her directly - instead directing her to the lawyer, who has not responded. 

The mortgage lender has since refused to speak with me directly, instead directing me to their lawyer, who also has not been responding.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX has violated my rights XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Dispute of Inaccurate Negative Item Reported by Equifax on My Credit File Dear Sir/Madam , I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Equifax. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.

The specific item in question is listed as a negative entry under. This item is inaccurately reported and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing a late payment in my credit report that a dont recognize as true, please make an investigation about these XXXX late payments .this late payment was XXXX XXXX... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the continued verification of inaccurate information on my credit report. The attached letters clearly show that the information is not correct, yet your agency has not updated or removed the false data and continues to report it as accurate. 

This failure to correct the errors violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires you to conduct a proper investigation and correct any inaccuracies. I ask that you promptly reinvestigate and either correct or remove this inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert indicating that someone applied for a credit card with XXXX XXXX in my name. I immediately attempted to contact XXXX XXXX, but they were closed. I have since filed a complaint and submitted an FTC Identity Theft Report. Please remove this inquiry from my record, as I did not apply for a XXXX XXXX credit card and this application is not mine. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.