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

I have been in communication with Experian, and XXXX with regards to XXXX XXXX XXXX XXXX 's unlawful reporting of a late payment and a charge off. XXXX XXXX has been intentionally prolonging the resolution of this case because they are trying to serve me so I can come to court, which the FDCPA states that an attorney has no legal right to the debt collection process, per 15 USC 1692i. An attorney reached out to me on behalf of XXXX XXXX to inform me of the current status of the account. I formally asked for proof of the documents aforementioned and they have neglected to provide the tracking number or receipt of delivery. That is no coincidence that when I initially disputed this unlawful reporting, I received communication from the attorney who is representing XXXX XXXX XXXX XXXX. I sent an affidavit, in XX/XX/scrub> XXXX certified mail, with a green return receipt, demanding that they furnish proof of the documents being mailed or delivered 21 days before the payment due date. Instead of them furnishing this information, they have continually stated that they're reporting was accurate. I eagerly request that the cfpb investigates this matter and ensure that XXXX XXXX complies with Federal statutes pertaining to my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I woke up today and notice inquired on my consumer report. I dont recognize the inquiries. I did not apply for anything. I believe the inquiries are fraudulent. XXXX  XXXX  & Experian XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XX/XX/XXXX
Product: Mortgage

I am filing a complaint to notify the XXXX that Fay Servicing is guilty of a Dual Tracking Violation in relation to my Loss Mitigation Application. After having submitted a completed Loss Mitigation Application and an Authorization to Release Information on XX/XX/XXXX, I received a letter from Fay Servicing dated XX/XX/XXXX acknowledging their receipt of my request to participate in the Deed-In-Lieu of Foreclosure Program. XXXX XXXX, my account XXXX, never once instructed me that I would need to have an interior home inspection as a part of this process. Nevertheless, after having a realtor call me to set up an inspection and being unable to reach XXXX XXXX by phone for over a week, I facilitated an interior XXXX   XXXX, which was completed on XX/XX/XXXX. A copy of that completed appraisal was then mailed to me by Fay Servicing. I subsequently assisted XXXX XXXX in assuring that the title to my home was clear by contacting a local attorney and my XXXX and emailing the requested information to XXXX XXXX. At this point XXXX XXXX assured me that I had provided everything I needed to provide and that the deed-in-lieu application was on track and in process. To my surprise, I then received a letter from XXXX, a Florida law firm, dated XX/XX/XXXX, stating that they had been employed by Fay Servicing to start foreclosure proceedings and that the foreclosure sale of my home was scheduled to be conducted on XX/XX/XXXX. When I called XXXX XXXX to ask him about this, I was unable to reach him, again for approximately XXXX week. When I was finally able to contact him on XX/XX/XXXX, he stated that the deed-in-lieu application was still being processed and that it had been submitted to " the investor '' for final approval. He then told me that I needed to send him an email stating that I would vacate my property before the date of the scheduled foreclosure sale, or the foreclosure would occur on XX/XX/XXXX regardless of where we were in the loss mitigation process. I complained that I had never been told by him that part of the deed-in-lieu application process was the requirement for me to make plans to immediately vacate my property. He said that yes, that was what I needed to do, so I sent the email he requested to him under duress. 
In a panic, I began researching your website and it became abundantly clear that Fay Servicing was guilty of a Dual Tracking violation, a practice that is specifically restricted under XXXX   rules. Fay Servicing moved forward with foreclosure while simultaneously working with me to avoid foreclosure. They started a foreclosure proceeding after I had already submitted a complete application for an alternative to foreclosure, and when that application was/is still pending review. Once again, Fay Servicing has " violated the XXXX servicing rules by ... illegally launch [ ing ] or mov [ ing ] forward with the foreclosure process while borrowers were actively seeking help to save their homes, the same violation for which they were issued a Consent Order and fined {$XXXX} XXXX as recently as XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

On Equifax XXXX Credit Report there are Inquiries that do not belong to me. The Inquiries are for XX/XX/2023. The inquiries are a result of accounts there were fraudulent and the accounts were removed. These inquiries belong to the account that has been deleted & removed. I'm disputing the Inquiries because Equifax received both Police & FTC Identity Theft Reports in XX/XX/2023 via XXXX XXXX Mail. Equifax has received all other documents in XXXX to prove my identity was used against me which is reason the account was removed. The account was XXXX XXXX  & these are the inquiries that belonged to the account. I've disputed over dozens of time to have the inquiries removed. Equifax refuses. I had credit monitoring with Equifax for over 3 years prior to XX/XX/2023. While disputing the accounts, I continued to pay for monthly credit monitoring. I became a victim of Identity Theft while paying for credit monitoring. There are consequences of Equifax for allowing the thief to report to my credit file after they received info of claims to Identity theft along with document which proves this. My attorneys will be in contact with Equifax for breaking XXXX Laws & XXXX XXXX Laws. XXXX Mail has Tracking Confirmation included to show its delivery status & Equifax received the documents on or around XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL 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 XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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

I filed a law enforcement report in XXXX listing four fraudulent accounts, ( XXXX XXXX XXXX XXXX XXXX XXXX ) I sent copies of the report to all four companies directly and to all three credit bureaus ( Equifax, XXXX, XXXX ). To date most, but not all, are now cleared. The credit bureaus dropped my near perfect score down into the XXXX 'S as soon as those companies started reporting them as delinquent. To date, none of the credit bureau 's have even started to raise my score. In fact, they continue to drop them a few points at a time, and then add a few points. XXXX is still resisting and sending me daily emails attempting to collect. They ignore my responses. I pay my valid debts, as my past credit reports will reflect. I do not pay my fraudulent accounts. The credit bureaus hold my entire financial life in their hands and they are killing me. I need for XXXX to cease and desist, but more importantly I need my credit scores returned to their previous amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of america worked out a deal with me after i fell behind on payments. they sent it to XXXX XXXX XXXX in XXXX, nc. i worked out a {$100.00} a month repayment plan and have not missed a payment since i started paying in XX/XX/XXXX. i  can afford this seeing im on XXXX i have managed to put this in my budget. bank of america removed this negative item from my XXXX score and i was grateful. after 2 attempts to have it removed from XXXX they want budge. its not on XXXX at all but is still on XXXX and i want it off and re-instated as all payments are current. we made a re-payment plan and if they erased it from XXXX they can do the same for XXXX. i feel im in the right here.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. Sincerely
Product: Debt collection

I am receiving calls multiple times a day, multiple times per week from them. XXXX lost of the recent calls : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX and XXXX This is harrassment. XXXX XXXX for my job and it is dangerous to get so many unnecessary calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX stole my personal information and sold it to other individuals who opened/started credit without my consent i am a victim of identity theft the following accounts do not belong to me : 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: Checking or savings account

Fraud happened on my account. I think someone stole my debit card number and used it to steal money from me. As soon as I noticed it, I called bank and reported it. I told them I still had my card that I did not lose my card. I told them I believe that someone stole my debit card numbers. After their 7day investigation I was told I would not get my money that was stolen back and that it was not fraud because I still had my card and because I knew where the charge was. I knew where the charge was because it is listed on the item description of what the card was used for! The date of these charges was XX/XX/XXXX. It was 2 charges. {$460.00} and XXXX. I can not believe that they would think I magically went from Indiana to Wisconsin and made these purchases! I have never been to Wisconsin! My money should be protected from people stealing my card number!
Product: Debt collection

There is a group impersonating a company under the name of Central Portfolio Control INC . They claim to be from CPC but fail to address anything related to them and said they can not proceed until I give them personal information. 
This was the message I received. 
Hi ( first and last name ), this is Central Portfolio Control Inc . Please contact our office at XXXX or online at XXXX using your AGENCY ID : XXXX. This communication is from a licensed Bill Collector. Thank you. Text STOP to unsubscribe. 

Their website is not the official one and they also have callers who do not speak in professional manner and are aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN, XXXX, AND XXXX HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XXXX 2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY XXXX XXXX DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE XXXX, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF XXXX AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN XXXX XXXX COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE XXXX XXXX COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Chexsystems on multiple occasions concerning a heavy file that needs correction. The first part of my complaint is all the different names and variation. 
The only name that should be on file is XXXX XXXX XXXX. I was unable to dispute this information by speaking to call center representative. I have saw and learned of over over 10 different  erroneous mismatch misspelled and unknowns name that I have never held. My birth name Is XXXX XXXX XXXX and I need all names to be corrected and removed They claim they have received documents that gave them authorization to merge files. I have not been provided any copies of any ID and Social Security card from all the alias. I need to know by law can they legally do this and combine fraudulent information on my consumer file. If documentation can not be provided by form of a legal court document of each linking the names. They must split the files. They must not violate the law Secondly, I need to dispute every inquiry on my Chexsystem file for the last 3 years since XX/XX/2009. I have not applied for banking services and not gave anyone or financial Institution permissible purpose to view my file and strongly deny this and require proof as my consumer right that I consented to any inquiry via FCRA section 609,605 and section 623. If no proof, deletion is required They also claim they may need a police report. According to the law, a police report is not needed to dispute inaccurate information and is not needed for inquiries that are not 100 % verifiable. A wet signature or document is required IF NOT. Please remove all the illegal hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is I have never been late on a bill in my life, my wallet was stolen after a friends wedding, I had a card with my account info on it since I was XXXX ( like an XXXX ) and closed that account and opened a new one for peace of mind. I linked chase to my new account and thought that was over and done with. I then 4 months later ( with zero communication ) get a letter of foreclosure on my home which blindsided me! I immediately called and figured out they only had my original account on file so my linking never took place. In turn my perfect credit tanked. Ive supplied bank statements ( showing I have lots of money in the bank ), police report, and they are taking months to respond with a solution. Nobody in person can help me and the department I am forced to deal with is overseas and English is a second language. Its awful! I obviously back paid everything immediately, added an additional XXXX towards my mortgage payment monthly, and paid an additional month to get squared away. They then made me wait ONE WEEK! To link my new bank when I took the old XXXX off. They refuse to fix my credit
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Previous CFPB complaints and responses give dates and actions of the inaccurate information being reported on my credit report.
Product: Credit card

Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this.
Product: Mortgage

Hello, Our mortgage company Ditech transferred our loan to XXXX XXXX XXXX in XX/XX/2018.We received the letter from Ditech in XX/XX/XXXX, but did not receive one from XXXX XXXX until 3rd week of XX/XX/XXXX, we had an address but no account number or other information.On XX/XX/XXXX we paid Ditech through our credit union bill pay, which was received on XX/XX/XXXX by Ditech.In the disclosure letter it stated that ditech would forward that payment to XXXX XXXX who says we are in default and they never posted the payment although the escrow was transfered on XX/XX/XXXX.We are very near our sixty day grace period and are being threated with forclosure, received papers in the mail.We have contacted both mortgage services and our credit union, the cu suggested asking Ditech for a refund.they say that we need to contact XXXX XXXX.Thank You for your time.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Fig Loans ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Fig Loans on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Fig Loans on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to Fig Loans XX/XX/2023 ). As of today, Monday XX/XX/2023, Fig Loans has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.