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

I have had a store card issued through XXXX XXXX for XXXX XXXX XXXX stores for nearly 3 years. 

Recently, without my permission or authorization they did a hard pull on my credit and decided to lower my credit limit ; despite the fact I have an excellent payment history with them and have been working diligently to pay my balance off ( before any other accounts actually ). 

This has caused my credit rating to go down ; harming me significantly. While I do understand it is their right to issue credit as they see fit ; the reason that there were some negative marks on my credit report the day they performed their unauthorized credit pull was because my identity had been stolen. 

XXXX was already aware of this as I had sent them correspondence regarding the ID theft a few months ago and if the credit bureaus were actually doing what they are supposed to do they would have not released my credit information to them anyway without verifying my identify. 

Neither XXXX nor the credit bureaus contacted me.
Product: Debt collection

HI EOS CCA ; This account is reporting against provisions of fcra, and it continues to report incomplete and misleading information and therefore, its an unverifiable account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  had submitted to Equifax and XXXX  that my mortgage is in forbearance/deferment. Under the Cares act my credit score should not have changed. However due to this remark both my Equifax and XXXX  scores dropped more than 40 points. I contacted both credit bureaus to let them know that my score should not have dropped for the remark from XXXX XXXX. Both companies have replied back to me saying that they do not agree w/ my statement.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING, INC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This was related to frivolous contested debts by landlords who charged me without prior mutal agreement. the accounts been re-aged, I was excessively called despite telling the collectors not to call my phone. I told them this was not a valid debt and they not only failed to mark account as disputd, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen Account # 1 : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Type : Collection Account # 2 : XXXX Date Opened : XX/XX/XXXX. 
Balance : {$0.00} Account Type : Collection Solution : Deletion accounts from all credit bureaus.
Product: Mortgage

This is another complaint concerning Freedom Mortgage Co. XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX. The Customer Service representative I called today, XXXX Employee # XXXX, told me he could not provide me with anyone with authority such as a supervisor so that I may seek assistance from regarding the discrepancy in my Mortgage Statements for the monthXX/XX/XXXX- XX/XX/XXXX If a customer can not get assistance from a mortgage servicing company, or obtain the full name and contact # for someone in a position of authority to answer questions relating to her mortgage loan, how can this be legal? Can a private mortgage company deny its customers of the name of employees, supervisors, higher-ups who will be able to answer questions and be accountable for the mortgage accounts of their customers. Despite numerous requests to speak to and obtain the name and employee ID of any supervisor, XXXX Employee ID XXXX, said he is not allowed to disclose that information. 

I have a 30 yr fixed rate mortgage in which I pay {$1400.00} a month to Freedom Mortgage. My loan number ends in XXXX. I am not in default, have not been late on a single payment. 

On XX/XX/XXXX, I mailed, with a letter of instruction, a {$1000.00} extra payment to curtail my principal. Freedom Mortgage, on its own, set this money aside in an Unapplied Funds account for 2 weeks. I called on XX/XX/XXXX and spoke to a " XXXX '' concerning this extra mortgage curtail funds but did not get a satisfactory response. On XX/XX/XXXX, I called again and spoke with " XXXX '' who told me that my funds will post the correct account on XX/XX/XXXX. This has been an ongoing problem with Freedom Mortgage. 

Today, XX/XX/XXXX I called to request a free-of-charge Mortgage payment history from Freedom. I am told by XXXX that there is a discrepancy in the balance after my {$1000.00} curtailment. This has been an ongoing issue with Freedom not being very transparent about its employees and who is in charge and accountable for their clients. 

I would like to get intervention from CFPB.
Product: Credit reporting or other personal consumer reports

This Notice of Dispute is to Notify the Consumer Financial Protection Bureau of the illegal and Deceptive Conduct and Practices Experian, XXXX And XXXX are engaged in. Ive sent several Notices certified Mail and they Keep denying my Request without documentation and Proof of My Authorization of The Said Accounts/Tradelines. [ XXXX XXXX, Not Authorized to Furnish Any Information Regarding any Alleged Accounts or Tradelines Under the Gramm-Leach-Bliley Act ( Privacy of Consumer Financial Information ) Viewing section Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. ] XXXX XXXX is a Financial Corporation Shared Information to an Nonaffiliated Third Party. [ A financial institution must provide notice of its privacy policies and practices, and allow the consumer to opt out of the disclosure of the consumers nonpublic personal in- formation to a nonaffiliated third party if the disclosure is outside of the exceptions in sections 13, 14, or 15 of the regulation. ] They Failed to provide Proper Disclosure of OPTING OUT. Im Expressing Major Concerns with how Experian and XXXX and XXXX Has Handled this Matter. They Failed to Verify With me any Noncompliance and Non-Public Information Sharing to my Consumer Files [ XXXX XXXX XXXX has Furnished Income to the CRAs Which Doesnt Get Furnished due to it being Income I have filed all the Documents To the IRS and Comptroller of Currency Because of the Fraudulent Transaction They are tying to Avoid Taxes. 
This Notice is for the Immediate Deletion of the Above Accounts ( XXXX XXXX Invalid Account ) ( XXXX XXXXXXXX XXXX Invalid Account ) ; ( XXXX XXXX XXXX Invalid account ) I Authorize the Consumer Financial Protection bureau to Delete and Block these Fraudulent Accounts from Experian, XXXX and XXXX immediately. Failure to do will Result in Fines and Penalties under Federal Law. I Also Request All Methods they used/Use to Protect my Privacy. XXXX a Repeat offender Fails to Deliver Methods of Validation as Stated in ( Case : XXXX Document # : 1 ) I feel that my information isnt safe with XXXX. XXXX as well as Stated in ( XXXX XXXX ) See all attachments For Inquiries to be Deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from CU. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid this bill on her branch with I explained the reason that I never receive my bank statement, which causes me didn't know my checking account did not have enough funds to pay the auto payment system through CU, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. However, From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill with CU, and I do not use online banking with CU. Truthfully, I never have 30 days past due with any loans with any lenders due to I can keep track, manage my fiance, and have done responding on bill payment very well with bank statements which they have sent me by mails, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with CU and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO. BOX XXXX XXXX, WA XXXX The three credit report bureaus : XXXX   XXXX XXXX. BOX XXXX XXXX, PA XXXX XXXX   XXXX. BOX XXXX XXXX, TX XXXX EQUIFAX XXXX. BOX XXXX XXXX, GA XXXX
Product: Debt collection

Debt was placed on XX/XX/2017 with a balance of {$3200.00} that i dont know this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD NATIONAL BANK account is incorrect and should be removed from my credit report. i disputed many times and it was removed correctly from credit bureaus after proper investigation ( see attachments ) but they keep showing back up on XXXX report, reporting incorrect information. XXXX removed it properly in XXXX and it is now back on for some reason I been battling with them and sent numerous certified letters without ANY answers from them!! they clearly violates my right as a consumer and wrongly report incorrect information on my credit report. I put them on notice, sent cease and desist letters, asking for valid proof of contract on this account... it is greatly impacting my credit worthiness i worked very hard for! 

Since they ignore the law and my letters, i am kindly asking you to make proper remedy to this and make sure my credit is reflecting accurate and true information! 
I appreciate your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI requested for XXXX XXXX credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as XXXX XXXX with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XX/XX/XXXX I have not received those documents from the creditor either has XXXX XXXX. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA
Product: Debt collection

Pioneer Credit Recovery has continuously attempted to contact me after I informed them the debt they were trying to collect was not valid. They contacted my employer several times, they contacted my family, they contacted friends. They even contacted distant family members that live out of state, and one of my friends at their place of business. the overall harassment is not only  embarrassing, but incredibly stress inducing.
Product: Credit reporting or other personal consumer reports

I put in for disputes on certain accounts that show inaccurate information and I would receive a message stating dispute were verified but never knew who they verified it with. And accounts still remain on my credit report with inaccurate information.
Product: Vehicle loan or lease

on XXXX XXXX I made the purchase of the XXXX XXXX XXXX for XXXX with a XXXX down payment. However looking at my contract I don't think my down payment was subtracted from my original financed amount.
Product: Checking or savings account

My account was restricted for months and after providing them with all the correct documentation Robinho0d has closed my account with over {$14000.00} and won't allow me to withdraw the remaining funds. Their customer support is pretty much ran by AI or a generic script which is more and more obvious every time this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH EQUIFAX, TRANSUNION OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE XXXX  ME OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct 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 US Dept of EdXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .Please delete this incorrect and unverifiable address from my credit profile. I am giving you NEW info, so you are required by law to properly verified. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). Thank you, XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Account : XXXX I am writing in today because i noticed some accounts are not accurate with my other credit/consumer reports. I noticed you're reporting a late payment for XX/XX/2021 and XX/XX/2021 yet on both my XXXX and Equifax are reporting that i paid on time. This is inaccurate reporting and therefore i am requesting this account status payment history to be changed to PAANL ( paid as agreed, never late ).
Product: Credit reporting or other personal consumer reports

he items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor # 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX  Balance : {$81.00}
Product: Debt collection

I received a warrant in debt on XX/XX/2024 to appear in court on XX/XX/2024 which is only 9 days away. On XX/XX/2024 I contacted XXXX XXXX XXXX, XXXX. and requested information validating the debt which included the original agreement I had with the original creditor, XXXXXXXX XXXX, which XXXX XXXX XXXX, XXXX. said they would send through email, in which they ( XXXX XXXX XXXX, XXXX ) agreed in which they then asked for my consent to send the information through email which I gave them permission to. On XX/XX/2024, I contacted XXXX XXXX XXXX, XXXX to follow up on why I didnt receive the information I requested through email and they told me that they dont have permission to send the information through email because it would be too large to send through email. I told them that I wouldnt get the information ahead of my court date and they said that it would be sent through regular mail and not email.