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

15 U.S.C 1681 Section 602A States I Have the right to Privacy. 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 115 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Im Writing in reference to the aforementioned accounts and transactions. My Car Was Claimed Repossessed By ( XXXX XXXX ) in the State of Florida around XX/XX/XXXX & XX/XX/XXXX A Deficiency can not be claimed under the laws of the ( UCC 9 ) And State XXXX and XXXX statutes unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Those Repossesions Are inaccurate and reporting incorrectly to my credit report! WHEN I DISPUTED WITH THE CREDIT BUREAUS XXXX  XXXX XXXX FORGED MY SIGNATURE ON SOME FAKE PAPER WORK TO VERIFY IT ALSO THAT IS AGGRAVATED IDENTITY THEFT These crimes constitute AGGRAVATED IDENTITY THEFT under 18 USC 1028A. They deliberately transferred, possessed and used my identity without my consent, a felony punishable by up to 2 years in prison and civil liability. IM ANGRY THIS IS AFFECTING MY CREDIT SCORE AND IS HOLDING ME BACK I AM THE TYPE OF PERSON TO PAY MY BILLS ON TIME AND SOMETIMES I PAY MORE THAN I WAS SUPPOSE TO! PLEASE GET THESE INACCURATE REPOSSESIONS REMOVED ASAP!
Product: Mortgage

SOS Emergency Help for Homeowner Family in XXXX XXXX effected by the Gas Leak and a Predatorial Debt Collector Bayview and XXXX XXXX their California XXXX " trustee '' who does not follow nor honor State and federal Law. 
There was an illegal foreclosure sale on our home on XXXX XXXX, XXXX conducted by " XXXX XXXX '' trustee who knew we were in a dispute over the alleged debt with " Bayview '' and " Bayview '' themselves. We want and need that illegal sale to be cancelled and reversed. They sold it illegally and broke California state and federal laws. We need emergency help. We need this escalated to the right legal department of the CFPB. We have a whole family with children. 

It all started, when we were working with XXXX, then XXXX XXXX XXXX, then Bayview to validate the alleged debt with QWR and other requested information. I submitted a loan modification packet several times. Instead of providing the information as required by the Home owner Bill of Rights and California law, they attempted to sell my home on XXXX XXXX, XXXX We filled a complaint XXXX with the CFPB and Bayview backed off the sale and told us to get in touch with XXXX XXXX the account manager at bay view for the loan modification. We were working with her for several months providing her with all documents she requested. Then it was switched to another account manager. We cooperated fully thinking we are getting a loan modification and thinking everything is okay. Then suddenly on XXXX XXXX, XXXX we found out that they allegedly sold our home without any notification, proper notice, nor any communication. We called them and wrote to them and gave them the opportunity to ( rescind ) the illegal foreclosure sale and to reverse their actions were in violation of the California home owner bill of rights and other state and federal laws. We need help. This is an emergency and we need to stay in our house my family has XXXX XXXX kids and we can not lose this home. ( Please help us )
Product: Debt collection

Originally I owed XXXX XXXX XXXX for {$13000.00} fora loan they gave me in XXXX. I did go delinquent in XXXX and eventually my account was sent to collections with Radius Global. I contacted them in XX/XX/XXXX, when I was offered a settlement of {$3200.00}. As I was in the process of purchasing a home, the mortgage company required that I settle the account. The money was provided to my mortgage company who paid the balance and cleared the debt. I followed up with Radius Global on several occasions from XXXX XXXX and have spoken to several agents from XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, and a supposed manger named XXXX, who assured me the account was settled and that they would send me a letter to prove I paid the amount to provide the original creditor and the credit bureaus, but that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern, I am writing to formally dispute certain entries on my credit report and to request your intervention in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws.

The violations I am addressing pertain to unauthorized inquiries, questionable account information, and inaccurate personal data that have been inaccurately reported by various creditors. These violations have caused profound distress and hardship in my life. Allow me to elaborate on the impact these violations have had on me and my family : In XXXX, I experienced an unexpected family medical emergency that required urgent attention and significant financial resources. At a time when my focus was on the well-being of my loved ones, I discovered that unauthorized credit inquiries had been made without my consent by entities such as XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX These inquiries were not only invasive but also exacerbated my stress during an already challenging period. 

Furthermore, the inclusion of questionable account information on my credit report, specifically associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has further hindered my ability to secure financial stability. These inaccuracies have prevented me from accessing fair credit terms, imposing obstacles on my efforts to rebuild my financial standing after the aforementioned medical crisis. 

Additionally, the erroneous reporting of incorrect previous addresses, namely XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has led to confusion, misunderstandings, and potential identity-related concerns. I value the security of my personal information and find it distressing that such inaccuracies persist on my credit report. 

It is imperative that these violations be promptly addressed and rectified. I kindly request that the Consumer Financial Protection Bureau enforce the relevant provisions of the FCRA, FDCPA, and other applicable laws to ensure the removal of unauthorized inquiries, questionable account information, and incorrect personal data from my credit report. The emotional toll and financial setbacks caused by these violations have been profound, and I believe it is my right as a consumer to have an accurate and fair credit history. 

In light of the above, I urge the CFPB to communicate with the involved creditors and advocate for the removal of the unverified and inaccurate account information from my credit report. This action will not only restore my faith in the consumer protection system but also provide me with the opportunity to regain financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and accountability in consumer credit reporting. 

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

Vance and Huffman LLC fraudulently opened a collections account in XX/XX/XXXX. I live in NY and the statutes of limitations in NY is 3 years. This company opened this collection account which is negatively affecting my credit score, on an account that was closed in XXXX. That is 3 years past the statutes of limitations. I have disputed this account with the company and with all 3 credit bureaus, yet it is still being reported on my credit report! This account needs to be removed immediately!
Product: Student loan

I originally had a loan from XXXX and this past spring I looked into loan forgiveness because I am a XXXX XXXX. I applied to what I thought was a federal program and somehow XXXX XXXX has acquired my account. I am not sure how that happened, what they are charging me if there was a fee to switch which I had no intention of doing, I was just answering qustions mailed to me. I thought I was getting loan forgiveness but apparently I did not get loan forgiveness I got a new lender instead.In XX/XX/XXXX I recieved an email that i was a few weeks late on my payment so I paid that along with XX/XX/XXXX. I do online banking so I see when it when out and when it was cashed which was on XX/XX/2018. They sent me another email after that stating i was even more late so I emailed them via their website and received no response. Today I got another email from them stating that I am evn more late so I called them. They said they have nothing on file that I paid and they did not recieve my email. I then asked for a direct email so I would have proof, the rep kept arguing with me to just use their site and I refused since I had used it and thwy have no record of it. I have proof they cashed it and I have a confirmation number. They need to fix that and not ruin my credit and they need to be investigated for ilegal practice of aquiring accounts. They have 666 complaints on XXXX about collection practice and a F rating.
Product: Checking or savings account

I have a checking account with the debit card and a secured credit card with chime Financial Bank. On XX/XX/2022 there was an authorized transaction XXXX of them the first one was for {$100.00} the second one was for {$200.00} it was done through XXXX my account was hacked and someone used my secured credit card to buy {$300.00} in cryptocurrency. I filed a dispute with chime Bank as well as contacted several times XXXX. chime Bank said they did an investigation and they denied me my money back. I have had several conversations with them they contacted XXXX which XXXX stated that I went to New York opened an account and used my own card to buy {$300.00} in cryptocurrency. I live in California I have never been to the state of New York in my entire life. I stated this with them I filed a complaint with the Federal Trade Commission I filled out a report with identitystep.gov all of which I've sent the documentation to chime Bank. The response continues to be denying me my funds back. XXXX will not even respond to my emails. And I have no way to contact them by phone. This is the second time that my chime bank account was hacked into at the first time was XX/XX/2022 of which somebody did XXXX transactions through XXXX bill pay in my name on my card and drained my account of every bit of money that I had that time time returned all of my money except for XXXX transaction I was denied XXXX transaction. This time I have recovered nothing.
Product: Credit reporting

XXXX College had a data breach involving XXXX Forms, which includes names, addresses, social security numbers, salary information, and tax withholdings for XX/XX/2016.
Product: Debt collection

on XX/XX/2020, I seen and filed disputes with CCS Collections, XXXX, XXXX, and XXXX XXXX XXXX for alleged debts of ( XXXX ) that i do not owe.This is damaging my credit from getting a car and obtaining credit. I asked them for certain things showing the validity of the alleged debt and has attached copies below.
Product: Credit reporting, credit repair services, or other personal consumer reports

. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXate of inquiry : XXXX. The inquiry was not XXXX XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX
Product: Mortgage

We have been 2 months behind on mortgage. I contacted Wells Fargo to see if we could have a loan modification. They told me that we did`nt qualify for one that we made enough where we did`nt need one. When filling out the paperwork they gave me i could not see anywhere where i would put what bills we pay, Gas, electric, Etc ... This has very frustrating because i`m trying to get help so we don`t get foreclosed but i can`t get any. XXXX XXXX 2017 is when i got the denial letter.
Product: Mortgage

This company is a fraud. First, someone lied and placed my account in forbearance. Now, they have reported to the credit agency my account is in forbearance and has cause my credit score to drop 44 points. I have made payments on this account so I dont understand why this company keeps placing and reporting to the credit agency my loan is in forbearance.. This is my second complaint!!
Product: Debt collection

Hi, and how are? Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items.

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account. 

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Re : Pre-Arbitration Dispute Resolution Request I am writing to formally initiate the pre-arbitration dispute resolution process as outlined in the arbitration agreement between myself and Experian. I have encountered unresolved issues with my credit report that I have attempted to address through the dispute process but have not received a satisfactory resolution. 

Despite submitting multiple disputes and providing the necessary documentation to correct inaccuracies on my credit file, I have yet to see any meaningful progress in resolving these matters. Specifically, I am dissatisfied with the ongoing failure to address the discrepancies and the repeated letters stating that my credit profile can not be located, which I believe is unacceptable and does not comply with applicable laws. 

Given that these issues have remained unresolved and in accordance with the arbitration agreement, I am now taking the necessary steps to attempt an amicable resolution before proceeding with arbitration. This letter serves as my formal request to initiate the pre-arbitration process in good faith, and I seek to resolve this matter promptly. 

Please confirm receipt of this letter and provide further instructions on the next steps in this pre-arbitration process. If additional documentation or information is needed to proceed, I am happy to provide it. 

I look forward to your prompt response and resolution of these issues. 

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

Throughout the week of XX/XX/2019 I contacted XXXX, XXXX and TransUnion about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, XXXX, XXXX  and TransUnion reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 TransUnion and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX XXXX XXXX XXXX states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person XXXX XXXX XXXX!!!
Product: Mortgage

Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. 
Please advise, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, CB/VICSCRT account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX XXXX, XXXX of Comenity Capital Bank ( " Comenity '' ) and the Customer Care Team ( with supporting evidence ) disputing the interest assessed to my account during a promotional period with XXXX XXXX XXXX 

On XX/XX/year> I sent a follow-up letter to XXXX XXXX XXXX XXXX following attachments : Letter from Comenity ( no date stamp ) confirming my verbal authorization via phone for payment on my account in the amount of XXXX. 
XXXX dated XX/XX/year>, confirming receipt of my claim ( See attached ). 
XXXX dated XX/XX/year>, regarding the disputed accrued finance charge ( XXXX ) assessed to my account. 
XXXX dated XX/XX/year>, again confirming receipt of my claim. 
XXXX dated XX/XX/year>, again for the third time confirming receipt of my claim. 
On XX/XX/year>, Comenity posted a message to my account that the finance charges in the amount of {$1300.00}, thereby issuing a refund. 
On XX/XX/year>, I received an email from Comenity with respect to the late fees and finance charges assessed to my account. I was told in this email that during the investigation and until Comenity could find the best resolution, Comenity would not collect the amount in question or report as delinquent to the credit reporting agencies. 
On XX/XX/year>, I received a message from Comenity that read as follows : " From : Comenity Bank Sent : Wednesday, XX/XX/year>, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles your credit card account. Your inquiry has been escalated to me for further review. Please accept our apologies for any inconvenience you've experienced. We credited your account. We're happy to let you know that we have credited a {$41.00} late fee to your account along with the finance charge for {$5.00}. You can expect to see the credit applied to your account in XXXX business days. To avoid further late fees, please make sure we receive at least the full minimum amount due by XXXX XXXX Est on your scheduled due date. In consideration of your request for a goodwill adjustment, we reviewed our records. We find that we are unable to make any adjustments to your payment history as requested. A letter addressing your concern has been sent to you via mail to your mailing address. We've attached the supporting information about your concern for your records. Please allow XXXX business days for arrival. In order to dispute how your account is being reported on your credit bureau report, you can write to the address below or dispute it directly with the national credit reporting agencies. Please include the following information : - Name, address, and phone number - Account number - Account information being disputed and an explanation as to why you believe it is inaccurate - A copy of the page of the credit report showing the account information being disputed If you have any questions, please click the reply button. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX ''