23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. 
As soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. 
I was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle " paid '' services. 
They quote the need and ability to monitor multiple agencies citing the fake XXXX " breach '' as their primary reason. These two obviously have a partnership in this scam. 
With XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit against them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my Experian credit score was XXXX and XX/XX/XXXX Experian lowered my credit score over XXXX points to XXXX without an explanation. I called and wrote Experian to give me an explanation but was told that they have the right to lower ech time they evaluate my credit report even if no new credit is applied
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Information Solution Inc credit reporting agency, block information appearing on my consumer 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 XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$0.00} Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

For around 17 months I've been dealing with bank of america after they closed my account they can't seem to get anything right sending my remaining fund to me in a form of a check they sent to the wrong address once and got still can't get anyone to get anything my second time writing a compliment to them the first was no help at all some lady from boa name XXXX XXXX gave me the runaround tells me to sign some papers take to the bank and get it notarized first I have no way of printing this papers I have no i.d but a Pic of it on my phone let alone gave transportation to get there by the time I finally made it there the banker had no clue what I was talking about the XXXX the XXXXfrpm boa tells me I'm too late I just want my check sent to me get this all behind me
Product: Debt collection

Locked my credit in 2014 due to this situation. I don't know owe any debt from the company that your claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted regarding a charged-off car loan by a Westlake Financial representative XXXX XX/XX/XXXX, and let them know that I never opened up this account, I never lived in Texas, and I am not responsible for this loan/debt. They would not work with me and did nothing to solve the problem, but this account is shown as charged off on my credit report, even though I had just heard about this account on the day they called ( XX/XX/2023 ). I want this off my report as it's impacting my report heavily and negatively.
Product: Mortgage

A loan modification packet has been submitted for review but Ocwen has failed to respond. The lender has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). The lender has failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Credit card or prepaid card

I signed up for  the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.
Product: Credit reporting or other personal consumer reports

I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX XXXXXXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX
Product: Debt collection

Subject : Complaint Regarding Improper Medical Bill Reporting on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the improper reporting of a medical bill on my credit report. This matter concerns Credit Management Company and XXXX XXXX XXXX XXXX and its inaccurate or unfair reporting practices. 

Upon reviewing my credit report from [ Credit Bureau ( s ) - XXXX, XXXX, and/or XXXX ] XXXX I discovered that a medical debt in the amount of {$1300.00} has been reported. Stating it was opened XX/XX/XXXXXX/XX/XXXX. I believe this entry is inaccurate for the following reasons : Incorrect Reporting : The debt may not belong to me, or the reported details ( amount, dates, or status ) may be inaccurate.

Failure to Provide Proper Validation : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), They have failed to provide sufficient proof that the debt is valid or that they have the legal authority to report it.

Medical Debt Reporting Rules : As per the CFPBs guidelines and recent regulatory changes, medical debts should not be reported on credit reports. Additionally, unpaid medical debt should not appear if it is being disputed with the insurance provider.

Potential Violation of the No Surprises Act : If this bill is the result of balance billing from an out-of-network provider, it may be in violation of the No Surprises Act.

Given these issues, I request the CFPB to investigate this matter and ensure the reporting agency complies with federal laws. Furthermore, I am requesting the immediate removal of this inaccurate or unverified account from my credit report. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting the inclusion of medical debts on consumer credit reports. This rule also bars lenders from considering medical information when making lending decisions.

The rule aims to prevent debt collectors from using the credit reporting system to coerce individuals into paying medical bills they may not owe and to enhance consumer privacy protections. It reflects findings that medical debts provide little predictive value regarding a borrower 's ability to repay other debts.

Thank you for your time and assistance in resolving this matter. Please keep me informed of any updates regarding my complaint. Should you require additional information, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This refers to Case Number : XXXX with Equifax. I STILL CAN NOT ACCESS MY EQUIFAX ACCOUNT ONLINE OR TO GET MY CREDIT REPORT AND XXXX SCORE. I received a closed notice on this dispute but it STILL HAS NOT BEEN FIXED. On XX/XX/2022, I received an email from Equifax ( Dispute Confirmation Number : XXXX ) that the dispute was resolved. I then went online and it still is not resolved. I get this message : Please give us a call and give this code to the Agent : XXXX -- Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. We are temporarily unable to provide your credit score. Please try again later. 

So, I call the number and a new case is opened because no one knows why I am not getting my report or score. They said they will escalate this but they never do. This happened the last time with NO RESOLUTION. The new dispute confirmation number is XXXX. 

Please, CFPB, you dropped the ball on this one and nothing has been done. I thought your function was to protect us ( the consumer ) against this type of illegal activity by Equifax. I want this resolved.
Product: Debt collection

On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.
Product: Credit reporting or other personal consumer reports

i have inquires on my credit report i dont have any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
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 USC 1681. 

Account name : 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 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: Mortgage

I became unemployed and started having trouble making mortgage payments I immediately applied for Homeowners Assistance XX/XX/2016. I was 1 1/2 half behind but was making partial payments. Nationstar applied my funds in suspense and made it appear I was 3 months behind and foreclosure process began even though I had a pending modification signing the Dodd Frank agreement. I was able to make partial payments to avoid further damage, but Nationstar rejected my payments and removed the online payment feature online to prevent me from making any payments. I called NationStar to get a reinstatement quote and was verbally given an amount of {$6700.00} to reinstate my loan. I gathered the funds and Nationstar gave me a account to wire only. I went to my bank to process the wire transfer and the bank manager could not verify the account number that was given to me and the name on the account that was given to me and the account did not belong to Nationstar Mortage. I refused to wire the funds to that account and called Nationstar and asked them to draft the funds from my personal bank account. The payment was processed XX/XX/2016 and my loan was reinstated and current. XX/XX/2016 mortgage was due and I made a partial payment of XXXX and learned Nationstar had created bogus fees and applied my partial payment toward these fees. I then received a statement on XX/XX/2016 stating I owed over 2 months worth of fees. I asked Nationstar what these fees were and was not given any answer. I also asked Nationstar to please apply my partial payment and apply towards my XX/XX/2016 mortgage and also to reverse fees. Nationstar has not complied. I believe I have been scammed due to unethical business practices and Nationstar is foreclosing again based upon ficticious fees and misapplication of funds.
Product: Credit reporting or other personal consumer reports

Failure to delete multiple accounts unauthorized fraudulent inaccurate phone numbers addresses never lived at employers incorrectly previously filed fraud with irs improper use of Credit for Credit cards and car loans inquires placed on credit report for fraud accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX etc report filed for XXXX transunion and XXXX incorrect reporting
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested the verification proof/accuracy of these accounts on a written document. Experian sent an email on XXXX stating that they verified the below listed accounts. I did not receive any documentation in regards to these accounts. 

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

There's a XX/XX/XXXX XXXX Bankruptcy showing on my credit file that was discharged XX/XX/2017, the problem is I've never filed bankruptcy. From my understanding Creditors are required by law to only report accurate information to credit bureaus. This requirement protects consumers from having any inaccurate information on their reports that would unfairly harm their credit. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to dispute inaccuracies and errors on my credit report. If I challenge an entry and the agency that reported the entry cant defend it, then theyre required to remove it. Well, I've disputed this bankruptcy multiple times with XXXX, Transunion and XXXX and all three have said they verified the information with XXXX XX/XX/XXXX XX/XX/XXXX I sent a letter to the Clerk of Court at XXXX XX/XX/XXXX XXXX XX/XX/XXXX explaining that I have a record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, XXXX, and TransUnion- all of which confirmed the record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. The clerk of court responded stating they have not verified any personal information and that it is against their policy to provide any information to the credit bureaus. At this point it is clear, the XXXXXX/XX/XXXX does not report to any credit bureaus therefore the original response from XXXX, Transunion and XXXX stating that they have verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

I keep getting calls from XXXX XXXX with Compass Recovery Group. The voicemails sound like a recording. The numbers she's called from are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. In the recordings, she says to call back at XXXX XXXX XXXX XXXX. She doesn't reference what creditor or account she's calling in regards to. 

I also, got an email from XXXX ( see email attachment ) that has a link to a debt settlement but no other account information is listed to show what debt this is referring to. I don't know if this is a scam or not and I would like CFPB to do an investigation on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I purchased media cabinet, two bookshelves and 5 stools for {$5000.00}. West Elm contacted me to inform me that they did not know when they would deliver. I asked for a refund. They only returned partial. I had to call back because they forgot to return the media cabinet because THEY FORGOT. Then they explained that they would not return the shipping fee amount. I have spent no less than 10 hours, emailing, calling and begging them to fix my account. West Elm is totally unresponsive. I have been given the run around. I have researched online and this behavior is consistent with many complaints. They sell product and sometimes " lose '' where it is in the supply chain. They do not respond to calls and inquiriesXXXX XXXX XXXX. I am asking for a refund of the total amount in addition to the late fees and interest. Most importantly, WEST ELM AND COMENITY BANK which is their credit card MUST make my account equal to XXXX and account current. They are impacting my credit negatively.
Product: Credit reporting or other personal consumer reports

I am writing to notify you i am a victim of a data breach and identity theft and this has impacted my personal financial information, please block and delete the following accounts within 4 business days pursuant to my rigths under FCRA 605B15 U.S.C 1681c-2 ( a ). 
1.XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX bank usa account number ; XXXX 3.XXXX XXXX account number : XXXX 4. XXXX XXXX account number ; XXXX 5. XXXX XXXX XXXX  acount number ; XXXX
Product: Credit reporting or other personal consumer reports

date opened XX/XX/2021 amount {$2200.00} XXXX CARD : Account number : XXXX THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN FIGHTING WITH THIS COMPANY FOR YEARS FOR REPORTING FRAUD ON MY REPORT AND INCORRECT INFORMATION SINCE 2019