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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  - a.k.a XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, has report me to Experian as being late on payments greatly effecting my credit score. I do not now or have ever owned any financial obligation to this company. 
I disputed this account through Experian and the company, XXXX XXXX XXXX XXXX replied by certifying the account and then changed the account name to XXXX XXXX XXXX XXXX and account type from " Maintance Fees '' to " Loan Payments '' which dropped my XXXX  score even lower. 
Not only am I not financially obligated to this companyXXXX, they are not allowed to drop my credit score in response to a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning a violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. Despite explicit requests for reinvestigation directed at Transunion, XXXX and XXXX and XXXX regarding the following 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 their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( XXXX ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( XXXX ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. Thank you for your immediate attention to this pressing issue.
Product: Debt collection

I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16, I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff, they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin, I want a copy of the demand letter that I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on payments I spoke to XXXX XXXX and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.
Product: Credit reporting

in XX/XX/XXXX, i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX tried again in XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no XXXX else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I requested {$490.00} from my daughter via XXXX, she currently banks with XXXX and I bank with CitiBank. She received the XXXX request via email. The email stated I requested {$490.00} and to complete by clicking the link. She proceeded to click on the link within the email to complete the transaction. This was my first transaction using XXXX, my daughter has used XXXX in the past with no issue. A few minutes pass and I had not received any email notification regarding confirmation for the transfer of {$490.00}. I contact CitiBank and go to my local branch to see what the issue was. The teller at the branch confirmed someone had access to my XXXX account and used their account info. Also confirmed that it went into a mans account. The teller then proceeded to explain that there is nothing she can do and XXXX is a third party & to contact them.
Product: Debt collection

Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing this urgent complaint to address numerous fraudulent accounts and inquiries on my credit reports resulting from identity theft, as well as significant inaccuracies in reporting by the credit bureaus and creditors. Despite making three attempts to resolve this matter and allowing 30 days for corrective action, I have not received the requested validation or resolution. The discrepancies in account balances, dates opened, and payment statuses across XXXX, Experian, and XXXX violate 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Creditors have also failed to notify me of debts within the required XXXX window under 15 U.S.C. 1692g and have not validated the debts despite my repeated requests, in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ). Furthermore, under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of fraudulent accounts upon providing proof of identity theft, such as a police report, which I have already submitted. The continued presence of these accounts constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1681c-2, credit bureaus are legally required to block the reporting of information resulting from identity theft within four business days of receiving appropriate proof, including a police report and written statement. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ), data furnishers are obligated to cease reporting information found to be inaccurate or unverifiable. The CFPB has the authority to enforce these laws to ensure compliance and protect consumers.

I demand the immediate removal and permanent blocking of all fraudulent accounts and inquiries, as well as the correction of all inaccuracies in my credit reports. The credit bureaus must comply with federal law, specifically 15 U.S.C. 1681e ( b ), 1681c-2, 1681s-2 ( a ) ( 1 ), and 1692g, to ensure the accuracy and integrity of consumer reports. Failure to address this matter promptly will compel me to pursue legal remedies, including filing a lawsuit for damages. I request a formal investigation into the reporting practices of the involved creditors and credit bureaus. 

Accounts : XXXXXXXX XXXX Loan ( Account # XXXX ) XXXX XXXXXXXX XXXX  Loan ( Account # XXXX ) Sincerely,
Product: Debt collection

On XXXX/XXXX/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX/XXXX/15 XXXX responded, but did not provide sufficient evidence.
Product: Mortgage

Freedom Mortgage has informed me they do not have our mortgage note. I am now concerned about the status of my VA loan and payment of state and county taxes. Freedom Mortgage representatives will not return my calls or emails. 

Due to refinancing, Freedom Mortgage bought the mortgage notes servicing rights a few months back from XXXX XXXX. After the transition, Freedom Mortgage Company contacted me wanting me to refinance my VA mortgage to a lower interest rate. During the process of refinancing Freedom Mortgage contacted me saying they do not have my mortgage note and can not move forward. The company emails me through some document program statingwe need your signed Net Tangible Benefit and/or modification agreement. 

I have tried emailing and phoning the company representatives in resolving this issue with no response. I have been paying our mortgage monthly but am now very concerned if Freedom is distributing my mortgage payments to the correct loan service, state and local taxes. I dont know what it means when your mortgage company lost my note! 


Freedom Mortgage Corporation XXXX. XXXX XXXX XXXX, IN XXXX XXXX I would appreciate any help in resolving this issue. 

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

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days already included in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.0XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/20XXXX XXXX
Product: Credit card or prepaid card

Hello, I have a credit card from best buy for a couple of years. Any time I go purchase anything, best buy always promote a 0 % financing. They do not say it will be deferred, just that the client has the option to pay it off earlier without penalties. 
Last year I had the same issue with best buy, however I was able to catch it early. They charged my account with over {$600.00} in interest in just one day without no mail or alerts. Since I had already other charges there, I requested them to send me alerts and change my paperless setting to domestic mail. I do not even recall requesting my mail to be paperless. 
They never changed my settings to domestic mail and soon enough I got charged again. Worst part is that I actually did not catch it as early, as soon as I saw I tried to contact them through the chat option on the website. I believe that was my worst mistake. It takes forever with the back and forth as they do not have someone live to speak with you. Due to family emergencies, I did not call them and was able to do it today. Trough the entire conversation they showed no help, all XXXX could say is that he could not do anything. Then I asked to be escalated and the manager said all she could refund me was {$40.00}. The first charge I had was on XX/XX/2023 for XXXX, then in XXXX an additional XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX. It is a total of XXXX however all they say they can pay back is {$40.00}! Which is a shame as I was never notified. Credit card companies always tend to take the most out of their client, it is a shame that a company like Best Buy is trying to take advantage of their clients with such a shameful move. No credit card company should take advantage of their clients, alerts and statements are here for that. It is a shame what best buy is doing and how much they wish to charge without thinking of how it will impact an household. The question to be asked is, does best buy actually care about their customers or they are just one more company misleading people through their advertisement?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX {$540.00} # XXXX, Account name : Rent Debt Automated {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : Credence Resource opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( XXXX ) Treatment of inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc.

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 3. The current payment account status is 120 Days Late but the account is Listed as closed. 4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 5. Its ahowing as Voluntary Repossession and I NEVER EVER
EVER EVER DID THIS and I requested prood of this and never rcvd.

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Product: Checking or savings account

Made dispute with Bank of America fraud department on transactions that were made in XXXX. I did everything as instructed including a police report. I was told there wasnt a sufficient amount of evidence to be in favor of my claim. Its over {$3000.00} missing from My business account and Im about to withdraw all my funds from my personal and business account.
Product: Debt collection

Thank you for your assistance XXXX XXXX XXXX was my medical provider. I have experienced numerous costly medical errors at XXXX in XXXX, XXXX, XXXX. The total cost of lost wages is over {$850000.00}, healing from their errors have also been very experienced. 

I have no money left. 

In XXXX, I had several XXXX bills totaling around {$480.00}. I was paying {$15.00} a month as that is all I could afford because of their errors. I was also paying several other healthcare facilities including a non-XXXX XXXX doctor, and a non-XXXX  and XXXX  which totaled around {$5000.00} which was 100 % preventable with a {$50.00} test XXXX  did not do. 

XXXX has been receiving {$35.00} a month for at least a year. 

XXXX they sent me to collections, EOS. EOS contacted via letter twice in wish I told them I was paying XXXX monthly payment. 

I have not heard from them after two contacts in XXXX. 

They now ruined my credit by submitting 4 collection cases to XXXX.
Product: Mortgage

I refinanced my house around XX/XX/2021. The company i refinanced with, XXXX, sold my mortgage to another company and then was sold again to " Mr.Cooper '' ... My loan was fine to begin with until this past XX/XX/XXXX, Mr. Cooper decided to do an escrow analysis. They decided after less than a year of being with them that i came up short with my taxes and insurance, however, they are the ones that knew what the amounts were to begin with, because i had to pay a years worth up front and they did the math to establish the loan. Now they are saying i have less than 30 days until my house note goes up almost $ XXXX. I have tried to call their company and speak with someone about this 3 times now and all they did was transfer me from person to person and dept to dept and i even sent a message through there " message center ''. I got a response the other day stating that " due to the nature of my issue '' they were passing it over to yet another department for review. I get my answer in 7-10 business days but XX/XX/XXXX is approaching and my house note increases. Evidentially Mr. Cooper requires an additional {$600.00} in the escrow that i was never informed about being this company is not who I originally refinanced with. All this was done over the phone and i guess i will know better for next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.
Product: Student loan

I called Mohela on XXXX XXXX XXXX  ( and was on hold for over an hour ) to advise them that I was due a refund for the payments I overpaid to my loan servicer due to the incompetence of the previous PLSF administration. My Mohela case number is : XXXX. 

I am also due a recalculation of the amount forgiven because I was eligible for an income driven repayment plan, as my income during the initial PLSF plan XXXX XXXXXXXX  ) was {$37000.00} - {$65000.00}. My servicer at the time, XXXX XXXX XXXX gave me incorrect information that my FFEL plan was the correct plan and did not counsel me that I was eligible for income driven repayment.