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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 


TransUnion Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name : XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX SXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and Experian continue to report information they know to be inaccurate. The letter of credit that id deposited into the bank is what grants this credit line therefore I am entitled to equitable relief that should settle any balances due if not the profits should be turned over to me as the registered security is in my name and the credit line has been terminated. Therefore XXXX XXXX XXXX XXXX is knowingly furnishing deceptive information to Experian and the alleged investigation Experian says they conducted has to be incorrect because the bank ledger should read the credit for which my letter credit was accepted and deposited.
Product: Mortgage

In complaint XXXX, Shellpoint ( also known as Newrez ) conceded it had erroneously charged me a late fee and said it " waived '' a fee of {$44.00}, but it hasn't. No fees have been waived or refunded. According to my upcoming statement, XX/XX/year>, it lists {$88.00} in fees that I paid to date. These cascading fees are the result of Shellpoint 's error with my escrow and are what need to be refunded. I do not yet see any indication of a balance adjustment on my account.
Product: Credit reporting or other personal consumer reports

ou violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was dispute
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached XXXX report 1. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting or other personal consumer reports

these accounts do not belong to me XXXX XXXX XXXX XXXX # XXXXXXXX XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX$560.00} XXXX XXXX XXXX XXXX # XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$360.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I started this contract with CNAC on XX/XX/2022. I initially started paying off the " taxes of the car '' on XX/XX/2022, biweekly. Then the actual payments started on XX/XX/2022. It wasn't until recently I realized that this company has been in violation of my consumer rights. This company have failed to furnish statements every billing cycle since the start of these biweekly payments. The only way I knew about being late was that this company would send me text messages, emails, or they would call stating I need to pay. I have reached out to the company via postal mail about this matter on XX/XX/2022, and have not gotten a response. Regardless of my attempt to rectify the problem this company still took possession of my vehicle. I even tried calling and the agent laughed and was rude and insured me that everything they were doing were within their rights and wasn't a violation of my consumer rights. Once knowing that this company were violating some of these consumer protection laws, I decided to look into what else this company were in violation of and found a couple more violations ( I will attach a list of the violations made against me in the files section ). After realizing I wasn't going to get anywhere with this company, I decided to write you guys in attempt to maybe get an answer.
Product: Credit reporting or other personal consumer reports

I need you to take immediate action on this matter. Experian is reporting an account from XXXXXXXX XXXX on my credit report. However, this account and balance do not belong to me. It is a case of fraud/identity theft, and I have notified them numerous times. I have attached multiple letters from XXXX and have sent them to Experian multiple times. This account is not mine and needs to be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX  debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services, whose products are federally backed by XXXX XXXX  ( see attached article ) offered by announcement on their website assistance for those impacted by XXXX. Each time I made a payment by phone I made it known that I was having temporary financial trouble due to XXXX. I finally completed the online form ( after having difficulty accessing their website on several occasions ) requesting mortgage assistance ( requesting that I be enrolled in a forbearance plan ) due to XXXX. Rushmore was still offering XXXX assistance ( per their website -- see screenshot -- as of XX/XX/23. Rushmore 's website clearly states that " your loan will be reported to the credit bureaus as CURRENT during your forbearance period. '' Not only did Rushmore NOT honor my request to be placed on a forbearance plan ( which I requested back on XX/XX/XXXX ), they also reported me as being 60 days late, resulting in a huge decline in my credit score ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on file as lived at XXXX XXXX  Nd XXXX XXXX  XXXX  I have never lived those places my ex wife has also Credit inquiries at XXXX XXXX and XXXX company checked my credit with out my consent Also XXXX XXXX  account belongs to my exwife I dont know if she put my name in these accounts we have been divorced since XXXX I have only lived at XXXXand XXXX XXXX XXXX only XXXX XXXX Texas
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

XXXX promised me in 2008 that I will secure a career and 90 % + will secure a job placement in the first 6 months. The loans would be a small part to pay compared to the big outcome.
Product: Debt collection

XX/XX/XXXX CFPB XXXX USAA Indicates I COMITTED A CRIME REPORTING RETURNED ITEM AS FRAUD XXXX XXXX {$120.00}. See attatched XX/XX/XXXX statementt XXXX XXXX {$120.00} was paid by merchant BALANCE AFTER XXXX XXXX IS SUBTRACTED IS THE {$470.00} I REPORTED AS FRAUD AND NO IT DOES NOT INCLUDE THE XXXX XXXX. USAA REPORTED THIS TO CRAs and CFBB. AND REFUSES TO CREDIT WITH THE PERMANET CREDITS I WAS DESERVED XXXX. I HAVE BEEN HELD LIABLE FOR THIS FRAUD SINCE XX/XX/XXXX. Furthermore See attatched FRAUD CLAIMLETTER XX/XX/XXXX claim date XX/XX/XXXX {$470.00}. Confirming Temporary credits were made Permanet. See attatched XX/XX/XXXX statement. THERE ARE NO TEMPORARY CREDITS TO REMAIN PERMANET. This took a year to complete the investigation. USAA HAS SLANDERED MY GOOD NAME. AND DID NOT MAKE PERMANET CREDITS OF {$470.00} IN XXXX. I DEMAND USAA CLEAR MY NAME *** USAA READ YOUR OWN TRUTH IN LENDING STATEMENT. XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # 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 which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX Balance : {$330.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of fraud, and I have discovered that Experian, XXXX, and XXXX are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the three major credit bureaus, I found several inaccuracies that are negatively affecting my credit score. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX  {$14000.00} - XXXX XXXX XXXX {$25000.00} - **Department of Commerce** : {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health.

1. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts.

2. I filed a report with the local police department related to the fraud.

3. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions.

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit.

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly.

-- -
Product: Mortgage

To whom it may concern : I have been trying to work with my mortgage to get a loan modification but after speaking with XXXX from the underwriting team she advised I did not qualify for a modification because my hardship started in XX/XX/2020 and not XX/XX/2020. Why does she get to decide when a customer happens to lose his home. Just because my hardship didn't start in XXXX does not mean I was not affected by this pandemic. I lost my part time job and I am on fixed income now. She needs a reality check that people are still loosing jobs months after because business and people are still being affected.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is XXXX ( XXXX XXXX XXXX ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX  sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from XXXX on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 1 account since XX/XX/XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.
Product: Debt collection

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XX/XX/year> Village Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX : XXXX ORIGINAL CREDITOR : Village Capital Subject : Cease and Desist Request for Deletion of Collection Account Dear Village Capital, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


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

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im disputing the collection account associated with account number XXXX with Credence Resource Manage. According to your records, this account was opened on XX/XX/year> Balance Owed : {$2300.00} and is categorized as a collection account for which I bear individual responsibility. However, I want to bring to your attention that I am a victim of identity theft and have no knowledge or involvement in the creation or management of this account
Product: Debt collection

I wrote a letter 30 days ago demanding legal validation. XXXX has ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A account was opened with COMMONWEALTH FINANCI I HAVE NEVER EVER BEEN IN CONTACT OR DONE BUSINESS WITH THIS COMPANY OR ANY OF ITS AFFILIATES. I HAVE NEVER AGREED OR MADE ANY FINANCIAL AGREEMENT TO RECEIVE ANY SERVICES OR PRODUCTS FROM THIS COMPANY. MY INFORMATION HAS BEEN COMPROMISED. I EXPLAINED THIS TO THIS COMPANY AND THEY REFUSE TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM BEING NEGATIVELY IMPACTED BY THIS COMPANIES FRAUD. THEY HAVE NOT PROVIDED ANY DOCUMENTATION TO SUPPORT THE CLAIMS ON MY ACCOUNT. THEY HAVE NO SIGNITURES OF ANY AGREEMENT FROM ME. THANK YOU FOR YOUR TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquiry on my Credit Report with XXXX. It needs to be removed immediately.