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

Subject : Dispute of Bankruptcy Entry on Credit Report I am writing to formally dispute the bankruptcy entry on my credit report. This entry is inaccurate and is causing significant harm to my credit standing.

Details of the Disputed Bankruptcy : Date of Bankruptcy Filing : [ Date of the bankruptcy filing on your report ] Court Name : [ Name of the court where the bankruptcy was filed ] Case Number : [ Bankruptcy case number, if available ] Reason for Dispute : The bankruptcy entry does not belong to me.

Requested Action : I request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and correct any inaccurate information.

Please provide a detailed description of the investigation process and the methods used to verify the accuracy of the disputed bankruptcy entry. I also request the following : 1. Verification Sources : Provide a list of all sources, including courts or public records, consulted during the investigation.

2. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed bankruptcy.

3. Correction : If the investigation confirms the inaccuracy, promptly correct my credit report.

If you can not verify the accuracy of the disputed bankruptcy entry, it must be removed from my credit report.

I expect to receive a response within 30 days of your receipt of this letter, as mandated by the FCRA. Failure to address this dispute promptly and accurately will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. I may also seek legal advice to ensure my rights are protected. 
Please send your response to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau Attorney Generals Office
Product: Mortgage

Due to COVID-19, myself and the co-owner ( Mortgagees ) of a property under mortgage with Freedom Mortgage company ( FM ) got behind on mortgage payments and were approved for a forbearance. When the forbearance was up, we requested further assistance due to the, still very present, COVID-19 economic problems. A loan modification request was entered early XXXX of XXXX and we were approved for a loan modification on XX/XX/2021. It took appx. 50 days for us to get the modification documents to sign in the mail - more than enough time for interest rates to go up in their favor, however we were still grateful and accepted the new rate. We both signed the loan modification package documents in the presence of a qualified/authorized notary and submitted to FM. It is now XX/XX/2021 and we are sending the same documents to FM for the sixth ( 6th ) time. They continually claim that we have not signed the documents in the manner that they have specified. They requested that " Borrower ( s ) must sign their name ( s ) exactly as the printed line below signature line. '' These documents were signed in the same manner our state IDs, passports, all prior loan documents, and any other document for that matter, have been signed. Despite that and the fact that there are so many legal ramifications to demanding customers forge signatures on documents - and with a real sense of duress, considering the circumstances, we signed as they wanted anyway - yet FM and their underwriters are STILL not satisfied with our signatures. The signatures, mind you, have been verified and qualified by an authorized notary on each occasion. Note that we have to pay for notary services each time out of pocket. At this point, I am convinced that what FM and their underwriters are doing is a means to delay action for as long as possible. Why they'd do that, I'm not sure. Perhaps they are hoping interests rates will change in their favor, or that they can continue to collect federal aid, insurance, or whatever else by keeping us listed as COVID-19 hardship customers in their databases. Whatever the reason, I am sure we are beyond the regulatory time limit for processing and this delay has a severely negative impact on our ability to manage our finances properly and care for our families. One of the agents we spoke to [ XXXX ID # XXXX ] who is a very nice guy, and did all he could to help, mentioned that despite the fact that we have not submitted signed documents, the modification is technically approved and will not impact our ability to make payments, refinance in the future, etc. If that is the case, why in the world do we need to sign and submit these documents???? Please help and do everything possible to ensure this complaint is not used by FM to harm us going forward. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    Wells Fargo     XXXX   XXXX   XXXX   XXXX   XXXX     Please  remove from my report at all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at XXXX XXXX for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.
Product: Credit reporting or other personal consumer reports

XXXX, experian, nor XX/XX/XXXX can provide me proof of any of my disputes, the creditors are reporting late payments for charge off and collection
Product: Credit reporting or other personal consumer reports

I contacted TransUnion multiple times about willfully and unlawfully reporting incorrect information on my credit report. The most recent interaction was by phone on XX/XX/XXXX. I spoke to agent XXXX XXXX and I was given the reference number XXXX. The reason for my call on this day was to request the immediate removal of an illegally reported account. TransUnion has information LISTED ON THEIR VERY WEBSITE stating the updated FCRA XXXX amendments ( FACT Act ). Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
TransUnion DOES NOT possess any of those examples in relation to my child support account! So, they are in direct violation of this federal consumer law! I expect the immediate removal of the delinquent child support account ( listed below ) that is being reported by TransUnion! 
XXXX XXXX XXXX Account # XXXX
Product: Bank account or service

Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.
Product: Debt collection

The XXXX XXXX XXXX company cut my service off when I couldn't pay that particular bill for the month. They begin to overcharged me every month until the balance was $ XXXX. I called them to dispute the bill and they continued to drop my call. I refuse to pay a XXXX  phone bill that is highly inaccurate. I don't want to settle. It was they're total disregard of trying to work with me to get the matter resolved.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am lodging a formal complaint regarding an unauthorized and erroneous collection account appearing on my credit report, attributed to XXXX XXXX XXXX. This entry has been reported without my knowledge or agreement, and I assert that I have no contractual relationship with XXXX XXXX XXXX nor have I authorized the use of my personal information for such reporting. 

This matter contravenes several provisions of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( a ) ( 1 ) and ( 2 ), which mandate that credit reporting agencies maintain accurate, complete, and current data. Additionally, Section 615 ( a ) ( 1 ) clearly prohibits the dissemination of information to consumer reporting agencies based on inaccurate knowledge, a principle clearly violated in my case.

Moreover, Section 621 of the FCRA outlines the liabilities faced by entities failing to adhere to these requirements, stating that violators are subject to compensation claims by affected consumers. This scenario is further supported by violations of 15 U.S.C 1681 et seq, including Sections 1681i and 1681j, which emphasize the obligation of credit reporting agencies to ensure utmost accuracy in their reporting practices. 

The dubious nature of the collection account, which appears to have been illicitly traded, also infringes upon the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). These acts explicitly forbid the sale or acquisition of debts known to be invalid. Furthermore, such practices may constitute deception or fraud as described under federal statutes 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ). 


I appreciate your immediate attention and resolution to this pressing issue. 

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

Someone has accessed and cxhanged my login information on experien. Need credit unfrozen for bank loan and assistance resetting account information. 

I have tried all online methods, but as my email address and phone number have been apparently changed on my account, I can't confim my identity My attempts to reach someone by phone have been repeatedly unsuccessful on all numbers I could find or were recocommended by the banks A written request was sent by certified mail on XXXX Multiple atempt to upload the data directly to their website failed. Today ( XX/XX/year> ) I finally succeed in an upload As of today, I have recieved no responce from experien Checking with the other two bureaus, there is no false information on them XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was disheartened to see unauthorized inquiries on my credit report, and I don't understand why they appeared. My usual credit report check showed discrepancies that caught me off guard. I refreshed my browser to see if it was an error, but the inquiries remained. Because of this, I am urgently requesting a thorough review of the documents I've provided to resolve this issue and ease my concerns.
Product: Credit reporting or other personal consumer reports

Never gave Amazon consent to pull my credit. Heres a few Violations Amazon committed against me *Federal Laws : * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m *Regulations : * 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Trade Commission ( FTC ) - 16 CFR 600 *Hard Inquiry Rules : * 1. Permissible Purpose Rule ( FCRA 604 ) : Companies must have a legitimate purpose to inquire about your credit. 
2. Authorization Requirement ( FCRA 604 ( a ) ( 2 ) ) : Companies must obtain your consent before pulling your credit report. 


*Acceptable Hard Inquiry Purposes : * 1. Credit applications 2. Employment screening ( with written consent ) 3. Insurance underwriting 4. Credit account reviews *Time Limits : * 1. Hard inquiries remain on credit reports for 2 years ( FCRA 605 ( c ) ( 1 ) ). 
2. Multiple inquiries for same purpose within 14-45 days are typically combined into one ( FCRA 604 ( a ) ( 3 ) ). 


*Consumer Rights : * 1. Right to dispute inaccurate inquiries ( FCRA 611 ). 
2. Right to request inquiry removal ( FCRA 612 ). 


*Penalties for Non-Compliance : * 1. Civil liability ( FCRA 616 ). 
2. FTC enforcement actions. 


Relevant US Codes : - 15 U.S.C. 1681 ( FCRA ) - 15 U.S.C. 1681m ( FACTA ) - 12 CFR 1002 ( CFPB ) - 16 CFR 600 ( FTC ) Now that they pull my credit and denial me of credit service when I have a right according to Here are relevant US codes and guidelines regarding denial of credit : Federal Laws : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. 
2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 


Regulations : 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Reserve System - 12 CFR 202 3. Federal Trade Commission ( FTC ) - 16 CFR 600 Denial of Credit Rules : 1. Adverse Action Notice Rule ( ECOA 701 ) : Creditors must provide written notice of denial. 
2. Discrimination Prohibition ( ECOA 702 ) : Credit decisions can not discriminate based on : - Race - Color - Religion - National origin - Sex - Marital status - Age ( provided applicant has capacity to enter binding contract ) 3. Credit Reporting Requirements ( FCRA 615 ) : Creditors must report accurate info. 


Notice Requirements : 1. Reason ( s ) for denial ( ECOA 701 ( a ) ) 2. Credit score disclosure ( FCRA 609 ) 3. Credit reporting agency contact info ( FCRA 609 ) Consumer Rights : 1. Right to request credit score disclosure ( FCRA 609 ) 2. Right to dispute credit reporting errors ( FCRA 611 ) 3. Right to sue creditor for discrimination ( ECOA 706 ) Penalties for Non-Compliance : 1. Civil liability ( ECOA 706 ) 2. FTC enforcement actions 3. CFPB enforcement actions Relevant US Codes : - 15 U.S.C. 1691 ( ECOA ) - 15 U.S.C. 1681 ( FCRA ) - 12 CFR 1002 ( CFPB ) - 12 CFR 202 ( Federal Reserve ) - 16 CFR 600 ( FTC )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that the account be investigated as I believed that there were inaccuracies on the account. On XX/XX/XXXX the account dispute was updated and are there still inaccuracies, they added an inaccuracy to the account. 
This account was charged off on the following date ( XX/XX/XXXX ) Since then the account has repeatedly been updated as charged off for several months. After the reinvestigation, an additional charge off was added for the following date ( XX/XX/XXXX ) This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX  - XXXX
Product: Mortgage

Please see complaint # XXXX ; We have received your response on behalf of Mr. Cooper, our loan # XXXX. The modification documents were reviewed for fairness and proper financial structure and it was determined that the most common and basic modification using 31 % of gross income and no other liabilities or circumstances were considered. As such, modification document signatures are being completed and forwarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open share loan and paid it off in XXXX of XXXX. I noticed the account is reporting 30 to 59 days past due because of a XXXX payment however the loan was paid in full in XXXX. When I called the bank I was basically told the account was 7 days past due, it was due on the XXXX but paid on the XXXX. My problem here is 7 days is not 30 plus days and my payments were set up on auto pay from my saving so if it was paid on the XXXX it was becuase their system didn't draft it until then. The customer service agent informed me that the quickest way to solve the problem was to file a dispute opposed to just having the credit department fix their error. Now my score on all 3 credit bureaus have dropped 30 plus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt
Product: Debt collection

I never received a bill or heard anything from my insurance company. We had just moved and I did a change of address but still never received anything in the mail. I hit my head and took an ambulance ride back in XX/XX/2020. No contact or any type of notification was received and I found out by going to XXXX XXXX and seeing the collection. No attempt to get my insurance was made either.
Product: Money transfer, virtual currency, or money service

i send a {$300.00} moneygram to XXXX. when he went to retreive the money. they were unable to look up the reference number. they want me to contact moneygram, which i did they told me to tell my nephew. to tell the agent in XXXX to call them while he is still there. which he did, all to no avail. i later went to XXXX where i made the money order they call moneygram and put me on the phone. they start asking me questions about why i send the money, who am sending to, and what the money am sending is for. at this point i start to get mad because this was not my first time sending money through moneygram, i have send as much as {$1000.00} before and nobdy make a big deal about it. i ask some of my fellow XXXX over here if they have experience anything like this.to my surprise the have, and because of that most of them have stop tranfering money throughj moneygram. the only solution i got from them is that the money been picked up but they cant tell me who pick up the money or the location the money was picked from. they gave me a complain case number, and that they going to do their investigation, which can last anywhere from 1 day to 90 days. i feel like they rob me off my money and say there is nothing you can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a CFPB complaint on Equifax Information Services LLC advising Equifax of the uninformed use consumer made when I entered an agreement with the following XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX. The companies failed to clearly and conspicuously the credit terms. Nor did the companies provided me an adequate notices. On XX/XX/2022, I received in the mailed a letter dated XX/XX/2022 stating that my proof identity does not match the information we currently have on your credit file. I am submitting w-2 from my employer and a billing statement from XXXX. I am submitting here all the information that is being requested by Equifax Information Services LLC.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to TRUIST regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the TRUIST will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Mortgage

On XX/XX/XXXX as I was ending the XXXX financials and opening the financial files for XXXX I noticed a mistake on my existing mortgage with Dovenmuehle Mortgage Inc. The loan was originated XX/XX/XXXX with XXXX XXXX XXXX, sold prior to closing to XXXX XXXX. XXXX XXXX serviced it until XXXX, XXXX when Dovenmuehle took over the loan. For various reasons it was not detected that when Dovenmuehle took over the principal balance was increased by {$47000.00} and the interest rate was raised from 4.5 % to 4.99 %. I contacted Dovenmuehle on XX/XX/XXXX. I was placed on hold for almost an hour and then the customer representative, XXXX told me I would have to send all documents to the Research department. I requested to speak with someone who might be able to expedite the resolution to the issue which is clearly their responsibility. My request was refused. I did send all documentation. Note, Deed of Trust, XXXX XXXX 's first and last statement and Dovenmuehle 's first and last statement. I then called again on XXXX and was placed on hold for 30 minutes and spoke with another representative who asked me to resend all the documentation. I told him a had a email reply that they had received my first email. He asked me to resend which I did immediately. I did tell him if I did not receive some form of communication within 24 hours that I would be filing a formal complaint. Which brings us to this.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, Experian, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

XXXX XXXX XXXX
Product: Student loan

This complaint regards FedLoan Servicing and a parent plus loan. I paid my loans in full in XX/XX/2019. Because it was paid off sooner than 10 days, there was a credit balance due to me after the payment was made. 

Additionally, even though I instructed FedLoan not to process the next automatic payment, it did still did so. This raised the amount credit balance due to me. 

I have called FedLoan at least three times. I also have sent five emails to FedLoan. I received a letter from FedLoan confirming my loan was paid in full and nothing else is due. 

Even though FedLoan has confirmed my loans are paid in full, FedLoan refuses to pay the credit balance due to me. I have been given no reason for the refusal to pay these funds.