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

XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( Vin # XXXX ) for {$16000.00} and was financed through XXXX XXXXl. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP insurance that is through XXXX XXXX XXXX XXXX was contacted ( Claim # XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. XXXX XXXX keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT ATTACHED ACCOUNTS ARE NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX informed that I should consolidate my credit cards. They informed me to do a loan and stated that it would only be offers and would not effect my credit. XXXX later I receive notification by email from XXXX and XXXX two companies u have no knowledge of nor did I officially apply for a loan.
Product: Debt collection

I paid XXXX XXXX XXXX {$510.00} half of the total {$1000.00} due to XXXX XXXX, this was supposed to clear my debt and remove it from my credit report to which neither has been done. I checked with XXXX XXXX and it says I paid 50 % of my bill and it is still on my report. This was all done over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX OF 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

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 account # XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX/XXXX  XXXXXXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : 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 : 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 am writing to formally request the blocking and deletion of multiple unauthorized accounts appearing on my credit report. Due to a recent data breach, I am a victim of identity theft, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed.

The following accounts are fraudulent and were not opened by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continue with the rest of the accounts, following the same format. ] Additionally, the following inquiries were made without my authorization. Please remove these as they were not initiated by 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 XXXXXX/XX/XXXX
Product: Mortgage

I have had a loan on my townhome since XX/XX/1989. It was sold to Nationstar which became Mr. Cooper. I had a 10 year fixed interest only loan that went to an adjustable amortized rate after that. It also recalculated to a 20 year term. My payment seems high though. 
I have a 2.25 margin on an XXXX district COF. When I look at the XXXX district plus my margin and amortize for 20 years the payment should be lower. I'm trying to figure out how they are calculating. 
I tried to call Mr. Cooper ( Nationstar ) customer service but they didn't know what I was talking about. She said she'd transfer me to the refinance department. I don't want to refinance. The phone line disconnected anyway. 
I want to get in touch with someone there who knows how they are calculating my payment. Obviously a lot of people could be in the same boat as me. If they've been over charging for years this could add up to a lot.
Product: Credit reporting

Transunion Credit report # XXXX : The nbr of inquiries on my credit report is wrong. Transunion said I was unable to file a dispute on the nbr of inquiries. I tried online and I tried phone calls. I applied for and received a car loan last XXXX. I talked with XXXX dealer, whom shotgunned out my credit inquiry within a XXXX day period. That should have counted as XXXX inquiry and not XXXX. I currently have XXXX inquiries which is hurting my score and I should only have XXXX. All the other credit reporting agencies have the correct amount. 

I dont understand how Transunion can play by different rules than the other credit unions. Please help. They refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score had been XXXX there was a collection that did not belong to me. Trans Union removed it now my credit score is XXXX apparently they still use this against my score since nothing else has changed
Product: Mortgage

As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.
Product: Credit reporting

all credit agencies reporting id fraud account that not mines .... '' child support and XXXX '' ..and outdated reporting infor since 2000 over 16yrs old and continue to refresh data/ date
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Mortgage

Around XX/XX/XXXX, I received a letter stating that my FHA loan will now be services by Nationstar Mortgage XXXX d/b/a Mr. Cooper. My monthly payment was increased from {$1300.00} to {$2300.00} without any explanation. I was asked to contact a XXXX XXXX XXXX at XXXX. When I contacted her, she asked me to pay {$4000.00} via cashier 's check. I have not received an statement on my loan since XXXX, XXXX. In XXXX XXXX they asked me to send another cashier 's check of {$5200.00}, which I did. Last week, I received a notice from a legal firm XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX representing Mr. Cooper about a foreclosure. I have attempted to contact Mr. Cooper at the provided numbers many many times. The phone call just drops.
Product: Credit reporting or other personal consumer reports

After a review of my latest XXXX, XXXX and TransUnion credit reports, I noticed that the following inquiries were submitted to my credit report without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 TransUnion : 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX Owed : {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$7300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Office of the Attorney General XXXX. 
Phone ( XXXX ) XXXX. 
Mailing Address XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. 


Subject : Inaccurate Credit Reporting by Equifax To whom it may concern I am writing to formally address a concerning issue regarding my credit report as reported by Equifax. I have noticed that Equifax has been reporting false and misleading information across different scoring models. 

Upon reviewing my credit reports from XXXX and XXXX, I found that there is no XXXX XXXX XXXX XXXX account listed. If the reporting from XXXX XXXX XXXX  were accurate, this account should be reflected across all three major credit bureaus. 

I am also including a copy of my Equifax credit report obtained from XXXX for your review. It is clear that Equifax has violated the provisions outlined in 15 U.S. Code 1681, specifically regarding the accuracy and fairness of credit reporting.

I kindly request that the CFPB take appropriate action to ensure that the inaccurate XXXX XXXXXXXX XXXX XXXX account is removed from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,
Product: Mortgage

I had four ( 4 ) mortgages that originated with XXXX  XXXX XXXX in XX/XX/XXXX. I never had any problems with XXXX until three ( 3 ) were sold to XXXX  a/k/a " XXXX XXXX '' in XX/XX/XXXX. All four loans have been paid off except for one with XXXX XXXX, in which there is a minor dispute of {$350.00}, which they refuse to accept even though it was the agreed-upon pay-off amount. XXXX XXXX has now sent the collection to ShellPoint Mortgage as a debt collector, and the amount in dispute is now over {$1000.00} in less than a year. In fact, XXXX XXXX owes me many thousands of dollars. XXXX XXXX has been a HORRIBLE business to deal with. I have attached numerous documents which demonstrate what I conclude has been fraud against me in at least two of the three mortgages. They also lied to the XXXX  of XXXX and XXXX Texas. They reneged on another settlement regarding insurance policies that they had agreed on and only after the XXXX  case had been closed in favor of me as the consumer. XXXX XXXX 's and ShellPoint 's actions are nothing short of extortion. An attorney representing me and I have requested from XXXX XXXX several times for complete copies of the account history such as payments, debits, insurance, etc. These statements show excessive charges, servicing errors, fee errors, payment errors, escrow errors, and pay-off errors. ShellPoint Mortgage has informed me of the problems that XXXX XXXX caused by breaching our agreement for the pay-off of the last loan with them. Instead, ShellPoint ignored my advice. As I previously mentioned, XXXX XXXX owes me tens of thousands of dollars, which is now escalating due to my inability to obtain a mortgage loan due to their errors and misconduct. XXXX XXXX then denied my loan because I was a victim of XXXX XXXX, with which XXXX XXXX is affiliated, and because I was traveling nearly constantly while employed as a Foreign Service Officer with the U.S. Department of State and all of my accounts were on automatic Billpay. I find these acts to be abhorrent against someone who put over 20 years in service to our country, including nine years in the active U.S. Army.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On XX/XX/2021, I submitted a complaint to Equifax detailing that I had closed my XXXX XXXX account, in which I provided official documentation from XXXX XXXX to the XXXX verifying that my account had indeed been closed, as sufficient proof of this occurrence, and that my credit report was reflecting incorrectly. Equifax then stated they were launching an investigation, and then closed out the investigation without updating any information. Since I provided verifiable information, Equifax blatantly violated the XXXX, by not conducting a valid investigation, and I would like for the XXXX to hold them accountable, preferably with large fines. I am submitting a second XXXX complaint, to document a direct violation of the XXXX  by Equifax, and am asking to have an actual person review the documentation presented, as it appears they did not review any of the documentation provided in the prior complaint. Should Equifax continue down it's current path, they will face a lawsuit for violating the XXXX  under XXXX XXXX. XXXX ( b )
Product: Debt collection

Im just being informed that Im in debt Im a independent and first generation college student so it has been hard for me sometimes to pay my dues but recently back in XXXX I gave old XXXX XXXX  {$1300.00} that I owed and out of nowhere I got charged for another fee I have not been getting no warnings no communication no email just more fees again currently I got charged with {$520.00} fee with no warning..
Product: Debt collection

I have sent several certified letters to Focused Recovery Solutions Inc stating I am disputing the current debt the company had been reporting to all three credit bureaus, I have asked for proof of a signature bearing my name. I was told they will not respond to any further letter or correspondence.
Product: Consumer Loan

XX/XX/XXXX I took a loan from Capital One ; Never missed a payment. Then XX/XX/XXXX I was at a complete stop at a traffic light when a driver came slamming in the back of the car cause a total loss. Capitol One was contacted and was paid in full by the insurance company by approximately 2 months later. The XXXX miss payment that is reflecting on my credit report is incorrect. Please assist in disputing these XXXX miss payment. I have been an exceptional customer for the 2 years. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion So funny contact companies You know for a fact I have You have there documents that clearly show they have NO evidence this is was or ever was my account They are playing games and you are being miss lead in to false reporting buy them. Please look at the game being played here, enclosed a copy of a credi t report stating removed from account sent to the response to CFPB account removed XX/XX/2018 and it never was NOT one day I called XXXX With in 2 hrs it was changed to CHARGE OFF but I was told to wait for an investigation I did not State My complaint was Against the credit company for leing in there response thats leing to myself FTC, CFPB, OCC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 A 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 written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be free to freeze and unfreeze my credit score in an easy manner. Equifax has burried their website link to freeze my credit. I ca n't find it! And I hear it cost money. I do not trust, or understand how they store and disclose my data. I should be able to protect my data, and credit score free of charge, otherwise I should be able refuse the credit score companies from collecting and storing my personal identifiable information.
Product: Debt collection

No lawsuits have been filed regarding this issue yet, which is why I am asking the CFPB to investigate Sequoia. They are trying to collect on a medical debt that does not belong to me and they are reporting it to my credit. They say the debt was for a medical debt at XXXX XXXX, but I have never been there, therefore they could not have charged me. If in the event I am delusional then Sequoia   should have not problem producing a copy of the original contract to substantiate per their requirement under the FDCPA. Sequoia  is attempting to collect on a debt not authorized by an original agreement because simply I never went to XXXX for any sort of medical treatments.
Product: Credit reporting

Upon checking my credit report I noticed I had a debt that I was n't aware of.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my ongoing complaint against Experian ( Complaint # XXXX & XXXX ) and to provide additional information regarding Experian 's continued violations of the Fair Credit Reporting Act ( FCRA ) and the resulting harm to my financial well-being and household. 

Despite my previous dispute and request for deletion of inaccurate addresses from my credit report, Experian has failed to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). Instead, they appear to have simply added the disputed items to my credit file without properly investigating their accuracy. 

Furthermore, Experian has not deleted the inaccurate information from my report, in violation of FCRA 1681i ( a ) ( 5 ) ( A ), which requires them to promptly remove any information found to be inaccurate, incomplete, or unverifiable after a reinvestigation. 

Experian has also failed to provide me with notice of the results of their reinvestigation and an updated credit report, as mandated by FC RA 1681i ( a ) ( 6 ). As a result of Experian 's continued reporting of inaccurate information, I have suffered substantial actual damages. I was recently denied credit by XXXX XXXX XXXX for a personal finance loan through XXXXXXXX XXXX, with the adverse action notice specifically citing information from my Experian report as the reason for the denial ( see attached ). 

Moreover, I have been denied employment opportunities based on my Experian credit report, further compounding the financial harm to myself and my household as a single parent. 

I am requesting that the CFPB take prompt action to enforce Experian 's compliance with the FCRA, including : XXXX. Directing Experian to conduct a reasonable reinvestigation of the disputed addresses and delete any information found to be inaccurate, incomplete, or unverifiable. 

XXXX. Requiring Experian to provide me with written notice of the results of the reinvestigation and an updated copy of my credit report reflecting the deletions. 

XXXX. Compelling Experian to compensate me for the actual damages suffered as a result of their FCRA violations, including the denial of credit, loss of employment opportunities, and the associated financial and emotional harm. 

Thank you for your attention to this matter. I appreciate the CFPB 's assistance in holding Experian accountable for their ongoing FCRA violations and ensuring the accuracy and integrity of my credit report. 

Attachments : XXXX. Adverse Action Notice from XXXX XXXX XXXX XXXX 
XXXX. Address Dispute Letter to Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is BREAKING the FCRA RULES Refusing to remove items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Equifax continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX.