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

I filled a complaint less than 60 days ago and Experian is still violating my rights... saying im in debt for {$19000.00} for chidl support and saying i owe {$320.00} for XXXX, i complained about these illegal inquires before, i have the right to privacy, Here are my rights below their violating... 

15 u.s.c 1681 section 602 XXXX XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXXXXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 



15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item 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 ) XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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

There is an open FTC identity theft investigation open on the principal XXXX XXXX account, which, documents were sent in to Experian, for proof. They received them and I has been over 1 week and they are still allowing XXXX XXXX to report the fraudulent information, when there was supposed to be a block of information put on the file, restricting such activity, no later than 4 days after receipt, pursuant to federal law! 
This needs to be rectified IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX account is 3 years and 3 months old. It was opened on XXXX XXXX, 2017 and has reached the statue of limitation but still shows as open on my credit report. XXXX XXXX, XXXX has ghosted my social security number and is looking for payment in the amount of {$340.00}.
Product: Vehicle loan or lease

I purchased a Toyota in XXXX, and use the Toyota motor credit corporation to finance it. The long was paid off in XX/XX/XXXX, and this is confirmed by Toyotas records. There still is a lien on the title in the state of Colorado. A week ago we requested a release of lien and they said they would mail it on Tuesday. We called them today Friday and they can not confirm that its been mailed yet. They refuse to email copy, and they refused to issue a second version. I dont know why the release of lien is not automatic when a loan is paid off and I think this is a law that should be changed. I believe the letter in XXXX, stating that the loan was paid off was sent to an old mailing address yet we were never contacted in any way that the letter was not received.
Product: Mortgage

XX/XX/XXXX I requested Forbearance due to my husband loosing his XXXX ( XXXX XXXX XXXX ) due to corona virus and my hours at work decreased then to make things worse my husband was diagnsoed with XXXX XXXX  XXXX lXXXX XXXX then later XXXX XXXX XXXX. I was approved for a 6 month forberance I then filed an application with my Mortgage company Homebridge to get a modification of the mortgage at which time I checked my online mortgage account and seen several letters which stated the reduced mortgage by {$100.00} kept me at the same intrest rate and extended my terms for 13 years, for a 6 month forbearance this so predetory I can not believe this is even legal. I contacted them several times they state thier system is down and cant give me information they have given me until XX/XX/XXXX per letter dated XX/XX/XXXX to make a decesion, short time to preasure me to make a decision. please help this should be illiegal in every way how could this be allowed to be done to consumers. Also if I do not accept this terrible offer they are demanding I pay XXXX XXXX dollars what I was behind for the six months as soon as XX/XX/XXXX or they will begin forclosure process. I have reached out to XXXX  they state they have received many complaints frsom Homebridge and other mortgage companies but they cant help I reached out to HUD impossible to get through and only if you qualfy for an attorney. Please help
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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

I have a fraudulent account on my credit report, which I reported to Discover Bank, yet Discover Bank is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : Discover Bank XXXX.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2021 someone obtained my personal information, applied for and received a loan with Moneylion through my XXXX  XXXX checking account. XXXX XXXX has since investigated and resolved the matter returning all money back to me. 
However Moneylion is impossible to contact and I have been trying for months to resolve this through the credit bureaus with no progress. It is starting to affect my Credit and anything you can do to help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 
On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX disputing an alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/XXXX, I received a response from XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Undue Burden on Consumer : XXXX XXXX 's response requires me to visit a branch location to obtain copies of loan documents, placing an unreasonable burden on me to validate the debt they claim I owe. 

Lack of Clarity on Legal Obligations : The response does not clarify whether XXXX XXXX considers itself subject to the Fair Debt Collection Practices Act ( FDCPA ) or not, potentially misleading consumers about their rights and the company 's responsibilities. 

Incomplete Information : The response does not provide any details about the alleged debt, such as the outstanding balance or the original loan terms. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 


Bankruptcy chapter XXXX- discharged
Product: Credit reporting

On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!
Product: Debt collection

First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. 

Hunter Warfield has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for XXXX XXXX for XXXX paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. 

I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. 

The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & trans union all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

TRANSUNION HAS REFUSED TO INVESTIGATE AS FRIVOLOUS IN CFPB XXXX.THE REPORTING ORIGINAL CREDITOR XXXX, ACCT # XXXX HAS ASKED THE CFPB IN XXXX FOR MORE TIME TO INVESTIGATE THE SAME CLAIM.TRANSUNION DECLARES THE CLAIM TO BE FRIVOLOUS ON THE CREDITOR THEY REPORT.THE ACTUAL CREDITOR REPORTED ON, XXXX DOES NOT FIND THE CLAIM TO BE FRIVOLOUS.TRANSUNION WANTS TO PREVENT THE 30 DAY TIME PERIOD FOR INVESTIGATION FROM TAKING PLACE WHICH IS MY RIGHT ON THIS FRAUDULENT REPORTING ACCOUNT.TRANSUNION IS THE EXTORTIONATE ARM OF THE FRAUDULENT REPORTING CREDITOR.IN THE CFPB XXXX I HAVE DETAILED THE INACCURACIES SPECIFICALLY AND WHAT IS INCOMPLETE SPECIFICALLY THAT THEY REFUSE TO ADDRESS. 
I HAVE ATTACHED THE XXXX PAGE OF XXXX INVESTIGATION XXXX AS PROOF OF XXXX ON -GOING CURRENT INVESTIGATION AND I HAVE ATTACHED THE PERTINENT FCRA LAW THAT IS APPLICABLE TO TRANSUNIONS INACCURATE REPORTING OF DOFD, ETC.
Product: Credit card

Last week I entered website for company and applied for bank account. I entered ID card with birth-given name & surname through image software and social security number to receive adverse action notice from web domain starting that they will send I information in a few of days. I am writing in request for bank credentials according with equal credit opportunity act a card, and account to defer debt in US market.
Product: Mortgage

Started the process to removal PMI in XXXX, 2022. Paid for an appraisal. Appraiser made several errors on the appraisal and we were denied. We were XXXX away from qualifying for the removal. I contacted Wells Fargo whom told me I can dispute the appraisal due to the errors but I was only allowed one dispute. This was not my error and so only being allowed one dispute makes no sense. In addition when completing the dispute form I had to provide comps which had already been provided by the appraiser weeks prior. I was told that the comps I provided could not be used but I am not familiar with how to do this. The comps that I provided came from my realtor. Ordered another appraisal which came back the same price but was not given a copy of new appraisal which should have included all significant improvements. When questioned Wells Fargo told me the improvements that we submitted were not considered improvements.These included thousands of dollars of improvements that were listed on original inspection when we purchased the home. We are seeking a resolution. We want our PMI removed as we are very close and the representatives of Wells Fargo are of no help as they had never had this happen before. They did not know how to handle this situation.Many consumers XXXX just accept this decision but we do not as there were so many errors and mishandling of our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been two disputes that I have sent in with Experian, asking to provide the original contract and also to delete the following accounts because of illegal collections fees. The original contracts have not been sent and the following items remain on my credit report which I have disputed. The accounts are as follows XXXX XXXX XXXX, XXXX & XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC XXXX 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! 


XXXX USC XXXX ( 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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have contacted the company multiple times over the past year about this, and they either say they can not action it because they need me to update my information or that my letters are from a credit repair company, which is not true. Experian is the only agency that has not removed this false account. XXXX and XXXX both have removed this account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date of Charge Off : XX/XX/year> Amount : {$170.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately. 

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Product: Checking or savings account

I had opened an account with Ally Bank on XX/XX/XXXX under the offer code " XXXX ''. Here are the terms of the code : " Set up qualifying direct deposit payments and receive a total of {$1500.00} in qualifying direct deposits by XX/XX/XXXX. You'll get a {$200.00} cash bonus within 30 days of the account receiving {$1500.00} in qualifying direct deposits. Keep your account open and in good standing to receive your cash bonus. '' I made deposits on XXXX XXXX and XXXX XXXX with deposit amounts of {$1100.00} and {$1100.00}. This is over the amount needed. My account is still open and in good standing. I also wanted to point out that I am considered a new customer according to their terms since it has been over a year since I had had an account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to credit burear about a collection ( XXXX  ) and i have not received and response back or any results
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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX