23daVinci/CFPB_Complaints huggingface dataset:
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 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 card or prepaid card

The first complaint, is that we called 2 weeks ago, and the company failed to add my wife to speak on this account.

Calling in today, she got the run around and got switched to 4 people. 

When she asked for a direct number for me to call back in on they would not provide her the direct number to the hardship department, only to a general number : XXXX XXXX XXXX The second complaint is that they have been unwilling to help us settle this account. For years we had to do auto debit without seeing our account because we couldn't gain online access. They finally restored that for us on XX/XX/XXXX. 

But company is refusing to work with a settlement offer, unwilling to help during a time of insolvency.

Chase I believe is also one of the banks that swooped in and took small business loan money making it impossible for her to apply for protection.

We need our account settled. Wife needs to be added for like the 100th time as authorized to speak on this account. 

This is crazy, a bunch of inept banking folks.
Product: Credit reporting or other personal consumer reports

Accounts listed on my consumer report are associated with identity theft. I never gave written consent, including an original signature, for these to be added. I've previously reached out to your organization concerning this issue. I now formally urge you to swiftly block and delete these accounts from my report. Their presence, misrepresenting my credit history, has inflicted emotional and financial harm. Failure to address this matter may compel me to seek legal remedies. These erroneous entries have directly impacted my financial aspirations, including home ownership and fulfilling my family 's needs.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - 1964 XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Mortgage

Client came to a HUD agency ( XXXX research, XXXX, De ) for assistance. Housing counselor submitted required documents to lender back in XX/XX/XXXX. Have not heard from lender since submission stating if there is anything additional needed. Client gives Housing counselor a call for follow up and the agency has not heard from lender as well. We also requested payment history of the loan before loan was serviced released to Green Tree Servicing LLC from XXXX. We did not receive any history. XX/XX/XXXX lender called client to request status on second mortgage which also is with Green Tree Mortgage. Mortgage has a XXXX and XXXX with Green Tree. Mortgage is also not reporting on credit report since loan was originated back in XX/XX/XXXX. We have been trying to get answer from lender but have been unsuccessful in getting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$810.00}.
Product: Money transfer, virtual currency, or money service

I received an email claiming I owed PayPal {$470.00}. I Called the number on the email, XXXX. The caller had me download XXXX which they used to access my bank account. I foolishly helped them do this - not Smart! Lost {$500.00}! 

There's the email : -- -- - Forwarded Message -- -- - From : XXXX Account XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/2020, XXXX XXXX CST Subject : Bill Payment Received I'm an image I'm an image Hello This is just to let you know that your order has been confirmed. 
Instruction to merchant You do not have any special instruction for the merchant. 
Payment Method : XXXX XX/XX/2020 Purchase ID : XXXX Payment XXXX Issue with Transaction You have 24 Hours from the date of the transaction to open a dispute. 
For assistance Call XXXX. 
I'm an image Alternate text Please do not reply to this email. This mailbox is not monitored and you will not recive a response.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquiries from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account name 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 called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  Balance Owed : {$22000.00}.
Product: Student loan

on XX/XX/XXXX at approximately XXXX XXXX I received a call from a company that would not identify itself. The person informed me the call was being recorded and asked me to confirm myself and address. I asked them to identify themselves and they refused. They again asked me to confirm an address and I informed them I do not confirm information without knowing who was requesting the information. They terminated the call without responding. They called from XXXX At XXXX XXXX also on XX/XX/XXXX I received a second call from XXXX. After answering I was met with silence and I decided to wait for a response. There was no response for 9 minutes and I hung up the phone. 
A ) I find this to be a rude, deceptive and unfair act B ) Under the CARES ACT of XXXX ; On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections,and waive interest on ED-held student loans until XX/XX/XXXX. This collection attempt is a violation of the federal Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reps hang up in my face. Refuse to give me a United States rep that I can understand. The customer services needs to be handled from a supervisor. 
XXXX account is incorrect, the pay status, term length, the balance and the account itself needs to be deleted in full. 
XXXX XXXX XXXX is an inaccurate account in my file. I spoke the creditor they say the accounts isnt available. It should be deleted ASAP. FCRA rights have been violated. I need assistance from a supervisor. Or the Cfpb! This company transunion needs to be investigated on the way they services the public and the inaccuracies on my file. They should be deleted!
Product: Credit reporting or other personal consumer reports

NAME ; XXXX XXXX XXXX ADDRESS ; XXXX XXXX XXXX XXXX ( MI ) XXXX BUREAU CREDIT NAME ; EXPERIAN ADDRESS ; XXXX XXXX XXXX, XXXX, TX XXXX TO ; EXPERIAN I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER ( XXXX - XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES I that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with all those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXX  XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Product: Debt collection

I am not responsible for these accounts. I disputed them and they are offering settlements for activity I did not do or apply for the accounts. My identity has been stolen and these accounts have been opened unknowingly
Product: Credit card

This Credit Card application ( ID XXXX ) is the 3rd FRAUDULENT attempt within a year, that XXXX XXXX has attempted to process, even though each was reported to them as fraudulent! 
I have frozen my credit line, & flagged it, so that even I, can not apply for credit without unfreezing, then refreezing! XXXX has been masterful with their alerts!
Product: Mortgage

In the first week of XX/XX/XXXX we received a notice from Specialized Loan Servicing ( SLS ) that our payment would increase substantially. We had recently collected our file back from legal counsel ( bankruptcy ) and mentioned the letter. He referenced the loan modifications on file ( one from XX/XX/XXXX and one from XX/XX/XXXX ). Both modifications were made through XXXX XXXX - the original loan servicer. 

On XX/XX/XXXX a copy of the executed Fixed Rate Loan Modification Agreement with Deferred Principal was submitted to SLS. 

On XX/XX/XXXX I spoke to Customer Service person XXXX @ SLS. I was informed that we were owed a substantial amount of funds and that there was an " open ticket '' at that time. 

In follow up an email was submitted through SLS ' website dated XX/XX/XXXX. This memo noted that SLS was not posting payments correctly to their website and requested that they correct the errors as we have made on time payments since since bringing the loan current in XX/XX/XXXX. SLS responded on XX/XX/XXXX stating they ca n't adjust the account until the " review of the modification documents you submitted is completed. A turnaround time is not available ''. 

On XX/XX/XXXX another emails was submitted to SLS via their website requesting the status of the open ticket. On XX/XX/XXXX SLS responded with " The information pertaining to the modification from the prior servicer is being worked on but there is no ruther update available at this time ''. 

On XX/XX/XXXX I talked to XXXX at SLS Customer Service. She informed me that the previous loan modification has to be sent to the Dispute Department. On XX/XX/XXXX a Memo was faxed to the Dispute Department with copies of the above referenced correspondence. On XX/XX/XXXX an email was received from SLS stating " We apologize for any inconvenience ; however no updates are available at this time regarding the modification from the prior servicer ''. 

SLS is the fourth loan servicer that our account has been assigned to. My wife and I have been making on time voluntary payments beginning XX/XX/XXXX. We have been paying {$2400.00} per month as that was the payment reflected in the loan servicer 's website. When we received the payment change notice from SLS in XX/XX/XXXX it was a surprise. When I reviewed the terms of the XX/XX/XXXXloan modification it said the payment was to be {$2100.00}. I immediately pointed this out to SLS as we have over paid the amount by over {$18000.00}. 

SLS has had the document for review since XX/XX/XXXX. They keep saying it is under review and there is no time horizon for completion of their review. I called on XX/XX/XXXX and was referred to XXXX at Executive Services. She promised to review case and get back to me by XX/XX/XXXX. To date, she has not contacted me. 

Over this last weekend we received a letter from SLS stating our loan was delinquent. This causes us great concern as it would appear that SLS is not dealing with us in good faith. 

SLS was notified that a complaint would be made to the CFPB on this day. 

Thank you XXXX XXXX.
Product: Debt collection

I noticed a debt under collections listed on my credit report in the amount of {$1000.00} from a company I did not recognize. I mailed a certified letter on XX/XX/2022 to LVNV Funding asking them to verify the debt and have not received any type of correspondence or response from them in 30 days.

I have never heard of this company, nor have I had any contact with them. I have never received any correspondence by mail, email or phone from this company. They just showed up on my credit report one day. In researching, I found out that they have a third party vendor ( Resurgent ) that collects the debt on their behalf. I have never heard of this company either. I sent a debt verification request letter to LVNV Funding since they were listed on my credit report as the reporting agency. It's been 30 days, and I still have not received a response from either company concerning my debt verification letter.
Product: Credit reporting or other personal consumer reports

**Consumer Name : ** XXXX, XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Experian, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX {$0.00}. The following inquires are not authorized XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX. ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Experian fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.
Product: Checking or savings account

On XX/XX/year> a transaction of {$410.00} was made to a merchant by the name of XXXX XXXX. 
Also on XX/XX/year> a trasaction of {$140.00} was made to see tickets. 

Both of these transactions were unauthorized transactions as I had lost my card. Both of these transactions were disputed after I realized my card had gone missing. The money was given to my account by chase temporarily however chase is now stating that I made these transactions and are taking both {$410.00} and {$140.00} from my account again. I did not approve this transactions. However chase is not helping to understand this or guiding me to appeal this.