23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent my dispute a months ago. but untill now thw following accounts and inquries still on my report. I try several times to fixed this issues on my report please make an action delete them all now. i file my ftc complaint and attach it here for proof of frauduent Please delete the following items on my report Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My name is XXXX XXXX loan number XXXX, Shellpoint Motrgaging Service, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by covid and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul covid symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from XXXX XXXX passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account.  '' XXXX XXXX XXXXXXXX Shellpoint is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made XXXX payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the XXXX credit bureaus as the current which is in accordance with US law. 

My second request is that Shellpoint lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had XXXX  years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
Shellpoint has raised my monthly payment and added XXXX  years to my previous payment. 

XXXX  years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX bless you, XXXX XXXX XXXX
Product: Mortgage

5/3 Bank ( Construction to Permanent loan ). 

During the construction loan period ( interest only payments ), 3 of the monthly payments included additional funds to be applied toward principal reduction. 

XX/XX/XXXX : {$1500.00} additional XX/XX/XXXX : {$1000.00} additional XX/XX/XXXX : {$1000.00} additional Original loan balance was XXXX. Per XX/XX/XXXX Screenshot of 5/3 mobile banking, principal amount due was {$540000.00} ( see attached ) -XX/XX/2020 the loan transitioned from construction to permanent as the house was completed. At that point a new statement was issue showing outstanding principal balance of XXXX ( original loan balance, extra pmts toward principal reduction were not accounted for ). 

Basically when loan transitioned from construction to permanent, principal balance did not account for {$3500.00} in principal reduction payments applied during XXXX-XXXX-XXXX. 


-XX/XX/20 I called 5/3 customer service line and talked to CSR XXXX , who confirmed extra payments for principal reduction were received in the aforementioned dates. I asked for a statement in writing showing the application of the extra pmts toward principal reduction, and what I received was the latest statement with wrong principal balance due. 

As of XX/XX/2020, email was sent to CSR that I have been in touch with, and loan officer who helped us at the beginning. The outstanding principal balance is XXXX as I already made first permanent loan payment that included XXXX toward principal. 

Today XX/XX/2020 I called gain and left a voice mail for the same individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and noticed an outstanding loan of {$24000.00} reported on XX/XX/2022 but it does not belong to me. The company reporting the loan is titled XXXX XXXX XXXX which I do not recognize. I have tried looking up contact information for this company online but I can not find it anywhere. The credit bureau issuing this report is TransUnion, and when I tried to file a dispute with them they have claimed there was no fraud found, which is again incorrect as I have never opened an auto loan with this company. The address on the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which further proves this is incorrectly assigned to me as I have never lived in Texas let alone visited this state.
Product: Credit reporting, credit repair services, or other personal consumer reports

After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was XXXX XXXX in XXXX on my way to XXXX, .ca to start a new job with the XXXX XXXX XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Product: Debt collection

I have a Home Depot Credit Card through Citibank. 

I have received more than a dozen dunning telephone calls from Citibank in the past seven days with two today XXXX XXXX. 

This is harassment and must stop. 

I am up to date in all payments. 

Citibank is claiming I owe XXXX XXXX more than {$1300.00} which is not true. 

I want an accounting of each and every charge with XXXX XXXX from the beginning to now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CBNA on XX/XX/2021.
Product: Debt collection

Dear CFPB Representative, I am writing to follow up on my previous complaint against United Credit Bureau ( UCB ) and to address their response which claims that they have attempted to contact me multiple times without receiving a return call. 

Summary of My Communication Efforts : XXXX. XX/XX/XXXX : I called UCB and they agreed to send a written agreement offering a 30 % discount and to notify credit agencies upon payment. I followed up with an email the same day but did not receive a response. 
XXXX. XX/XX/XXXX : UCB called and offered a 35 % discount but refused to provide a written agreement as previously discussed. I insisted on receiving the agreement in writing before making any payment. 
XXXX. XX/XX/XXXX : I received a letter from UCB with a deadline of XX/XX/XXXX, which had already passed. The letter contained inaccurate information about the provider name and account reference number, and it did not include the written agreement to notify credit agencies. 

Refusal to Answer Calls : UCB claims that they have attempted to contact me multiple times. Given their previous aggressive and bullying tactics, I no longer feel comfortable answering their phone calls. I have explicitly requested written communication to ensure all terms are clearly documented and to avoid further harassment. 

Discrepancies and Misleading Practices : UCB has repeatedly failed to provide the promised written agreement. 
The letter received contained incorrect information and was sent with a deadline that had already expired. 
Despite their claims, I have not received the necessary written documentation to proceed with payment. 

Requested Actions : I respectfully request the CFPB to : 1. Investigate UCBs practices and ensure compliance with all relevant consumer protection laws.

2. Require UCB to provide a written agreement that clearly outlines the terms of any payment arrangement, including the commitment to notify all credit agencies that the debt is paid in full.

3. Address the discrepancies in provider names and account reference numbers to prevent any potential errors in my credit report. 

Thank you for your assistance in this matter. Please let me know if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving Equifax and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX Equifax breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. XXXX  XXXX  XXXX data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable. 

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of Equifax and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches. 

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence. 

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence. 

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct inaccurate information on my credit report and for not providing supporting documentation from the creditor as requested during my initial dispute. On XX/XX/year>, I submitted a formal dispute regarding inaccurate reports of late payments on the following accounts : XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX XXXX Account XXXX XXXX, providing XXXX to support my claim. However, Experian has continued to report the incorrect information without proper verification. Additionally, I requested copies of statements and payment transaction records from the creditor to substantiate the reporting, but Experian has failed to provide these documents. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and access to relevant documentation, yet Experian has not fulfilled its obligations. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I request that the CFPB intervene to ensure Experian corrects or removes the inaccurate information, provides the requested documentation, and complies with FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4  of SSN:XXXX  RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX  XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$780.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

XXXX Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX XXXX XXXX : My main contact number is XXXX :. I would like this number to be updated. 

XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired from [ Experian, XXXX, XXXX ], I noticed an inquiry made by : -XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved.
Product: Credit reporting or other personal consumer reports

The estate that I'm the authorized representative is a victim of fraud, identity theft, birthright theft, and XXXX XXXX  Around XX/XX/year> I received a foreign bill of attainder from XXXX XXXX acting as CEO XXXX XXXX XXXX. dba XXXX XXXX XXXX. I sent XXXX XXXX a dispute requesting the original wet-ink signature contract and all accounting bookkeeping records, what specie of payment. I never received any of the information, XXXX XXXX then contracted with XXXX XXXX XXXX XXXX XXXX to move forward with a non-judicial foreclosure and I'm now being harassed by XXXX XXXX dba XXXX XXXX. for the estate property.
Product: Checking or savings account

BECU opened accounts without my knowledge. opened XX/XX/year> Have never been contacted by company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against " XXXX '' and " Experian ''. I submitted an identify theft complaint against a company called XXXX XXXX and was assisgned a case manager name XXXX in the Identity theft resolution department. I was provided an email to reach him at ( XXXX ) and his direct number XXXX ext : XXXX. I have called him and left over 6 voicemails and I have emailed him over 7 times with my police report as well as other supporting documentation and I have never heard back from him. Today I got notification that my case was closed without any explanation. I need a supervisor to look into this. I have also called several times requesting a supervisor. My case number that Experian gave me is XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX