23daVinci/CFPB_Complaints huggingface dataset:
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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: Prepaid card

Cash app system is down and I cant pay my bills online or in person. They have a feature to lock your card for safety. When their system is down nothing will work.
Product: Credit reporting or other personal consumer reports

My student loans were serviced by XXXX. On XX/XX/2023, the loans were paid and the balances were transferred to XXXX. Despite disputing the inaccuracies, Experian continues to report both XXXX and XXXX accounts as open. On my credit report, it appears that I have {$360000.00} in student loan debt. I only have {$180000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax switched their platform and it caused my credit score to drop over 100 points. I have called and asked for it to be fixed and to be resolved. Nothing in my credit has changed for the worse. It has only gotten better. They said that I can not dispute the credit score. I told them that that is ridiculous. That their switching over to this new platform has dramatically changed my score and there has to be a department that is handling that. The technology department that caused the change or managerial department that is handling these disputes. She said there is nothing and continued to tell me I can't dispute the credit score. 

I would like something done about this. They have harmed my credit when in fact it should not be changed. 

I would appreciate if someone in your department looked into what happened at Equifax. They also said that the other 3 major credit reporting companies are using this model and they too changed my score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX GA XXXX XXXX accountXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX This account doesn't belong to me I dispute it with the company
Product: Mortgage

We initiated with Chase Bank on XX/XX/XXXX for {$140000.00}. It included PMI insurance. The mortgage stated that the PMI would " automatically be removed once the loan amount reached 78 % of the original value of the property ''. This was not done by Chase in XXXXXXXX XXXX XXXXXXXX when the loan balance fell to {$100000.00}. It was not removed until XX/XX/XXXX we I contacted Chase. Chase continued to collect {$120.00} for 66 additional months.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address XXXX Non-Issuance by Collection Agency I am filing this complaint against TransUnion for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a Collection Agency : My credit report includes a collection account from [ Collection Agency Name ] ( Account Number : [ Account Number ] ), which I have disputed. The collection agency has failed to issue a legally required XXXX ( Cancellation of XXXX ) form for this account. Under IRS guidelines, creditors or collection agencies must issue a XXXX for debts of {$600.00} or more that have been forgiven or canceled. 
Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 
Key Violations : XXXX. Failure to XXXX a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide XXXX of XXXX : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( XXXX ) and 15 U.S.C. 1681i ( a ) ( XXXX ). 
XXXX. Inaccurate Reporting and Failure to Address XXXX Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

Dear XXXX XXXXXXXX, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

. In XXXX of 2014 I called in to my student load holder and found out that my loans were in default. I then was set up on a payment agreement over my schedule payment to bring my loans out of default after 6 months. After completion of the 6 months my loans remain in default. I was then told until I repay the past due balance I would remain in default. My only option now is to increase my payments again over my loan payment. I want to continue to pay my student loans as agreed and not have it effect me negatively while continuing to pay. I am not looking for a way out of paying loans but to bring my loans out of default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax rescinded on their offer for free credit monitoring based upon their data breach settlement. I recently was made aware of a collection on my credit score and Equifax failed to alert me.
Product: Mortgage

After several conflicting statements, Dovenmuehle has indicated that they have cancelled private mortgage insurance on my mortgage as it has met an 80 % XXXX. Since this point in time they have run multiple incorrect escrow analysis statements including but not limited to : Incorrect disbursement date and incorrect amount for property insurance Elimination of escrow for property insurance ( this was never requested by me ) Continued billing for XXXX  despite written acknowledgement that XXXX  has been cancelled I have contacted Dovenmuehle on multiple occasions via telephone and email to discuss all of the above. They have not responded and the escrow analysis continues to be incorrect. I am required to pay whatever amount they bill me despite it being incorrect otherwise they will report the loan delinquent to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  XXXX reference # XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm furious with how XXXX, XXXX, and Experian are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. 
Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A.

15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I have no clue why. I regularly monitor my report, but this time, unexpected errors appeared. I even refreshed my browser, thinking it might be a technical glitch, but nothing changed. Because of this, I am requesting a detailed review of my submitted documents so that I no longer have to worry about this issue.
Product: Debt collection

My complaint is against Fidelity Properties. They placed a Derogatory Comment on my Credit Report. They stated that they have been trying to collect/contact me about a bill with XXXX XXXX XXXX XX/XX/XXXX. 

I have never received any communication ( written or oral ) from Fidelity Properties about this matter. I have Informed Delivery from the USPS and have never received any communication from Fidelity via the USPS. 

I wrote to Fidelity on XXXX XX/XX/XXXX inquiring about the bill that they mention on my Credit Report ( Account # : XXXX in the amount of {$2700.00} ). They responded about another Account # and bill amount. Not the one that's on my Credit Report. 

I asked them to show me proof of the bills that they supposedly sent to me. They failed to show such proof. 

In additional info on this XXXX XXXX. I have never received a bill from XXXX XXXX. 
I have been trying to get them to send me one since XX/XX/XXXX. 

I have sent them countless emails, called them and even wrote them. XXXX failed to send me a bill. 
I even worked with the XXXX XXXX XXXX for 2 months to try to get XXXX to send me a bill. All they did was send the XXXX and I in circles. The XXXX closed the account due to XXXX 's negligence to resolve the matter. 

I do have two written documentations ( I can send these to you upon request ) from XXXX admitting to me that they sent my bills to an incorrect address. 

Due to XXXX 's negligence, I was placed in Collections falsely. 

I am more than willing to work with Fidelity to resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX XX/XX/year> This Cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that Experian credit reporting agency block and delete information appearing on my consumer Fico credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of personal credit card opened at XXXX XXXX XXXX.This account have resulted in chargeoff appearing on my consumer Fico credit report i do not recognize the aforementioned account and chargeoff. This account was not opened, made, initiated by me.This aforementioned account and chargeoff are result of identity theft and fraud. I have attached copy of Ftc identity Theft criminal complaint as proof.as copy of XXXX, XXXX XXXX  and XXXX  complaint and credit report.
Product: Debt collection

I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks
Product: Debt collection

I was living in a aprtment XXXX XXXX years ago. A bill got sent to collections. I contacted the collection company told them they need to investigate it and get back to me when they finish it. Didnt hear from them in 3 months. Found out last week the bill is in collections. I do not owe money to them. I left XXXX XXXX XXXX  in good standing. XXXX XXXX XXXX  has new management. So i can not talk to them about it. I called the rental company " XXXX '' and they have not returned any of my calls. The bill is in collections and it is not mine. I have never missed any payment or bills.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

I paid the balance owed. The creditor finally made the proper adjustment with Transunion in XXXX and it showed paid in full with a {$0.00} balance. In XXXX, they reported the balance again along with a late payment collections. I have supporting documentation from the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

My name is XXXX XXXX XXXX  XXXX. I went into Wells Fargo at Bank + ATM XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX And I had an checking and savings account with them for years. I fell on hard times and I ended up in the hospital for a couple of months. I have now been discharge to a low level hospital XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX, PA XXXX. So I went to Wells Fargo with my caseworker XXXX to open a new account and I did explain my hardships with the banker because I would like to continue to bank with Wells Fargo. The banker communicated with me and continued and allowed me to re-open my previous account. Then several days later after opening the account I received a email that stated they would be closing my accounts checking and savings that I just opened because they received a notice. So me and my caseworker XXXX set up a additional appointment on XX/XX/year> at XXXX and meant with XXXX XXXX banker and I explained that I did not ever have no fraud with Wells Fargo and I have been with then for over two years and I explained how I was in the hospital and I was fighting to get out and it was very difficult because I was placed in XXXX XXXX XXXX XXXX where there was no technology and I did not want to close my accounts and I did not have any idea when I was going to be released. I deserve to continue banking with Wells Fargo as I was very honest and I just got approved for my Social Security Income and I would like them to do direct deposit. Now everything is on hold because of XXXX XXXX XXXX contacted the bank. So I wanted to advocate for myself because I have not done anything wrong I just really fell on hard times, thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have XXXX late payment. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX  Account Number : XXXX Balance : {$18000.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.