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

Pursuant to the Fair Credit Reporting Act ( FCRA ), the accounts listed below have egregiously violated my federally protected consumer rights to privacy, confidentiality, and accurate reporting under the following provisions of 15 U.S.C. 1681 : 15 U.S.C. 1681 Section 602 ( a ) : Establishes my fundamental right to privacy, which these accounts have blatantly disregarded.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits any consumer reporting agency from furnishing an account without my explicit written instructions. These accounts were reported without such consent, constituting a direct violation.

15 U.S.C. 1681c ( a ) ( 5 ) : Explicitly states that no consumer reporting agency may include any adverse item of information ( other than records of criminal convictions ) in a consumer report if the item predates the report by more than seven years. These accounts failed to comply with this statute. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, these accounts have knowingly furnished inaccurate or unauthorized information to consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of information known, or reasonably expected, to be inaccurate.

These violations are a direct infringement of my rights as a consumer under the FCRA and have caused undue harm to my credit profile and financial standing. This is a formal notice demanding that all erroneous, inaccurate, and unauthorized information associated with these accounts be permanently removed from my credit file immediately. Failure to comply will leave me no choice but to pursue legal action to enforce my rights under the FCRA.

I expect written confirmation that these accounts have been removed and all violations have been rectified within 30 days of receipt of this notice, as required under 15 U.S.C. 1681i.
Product: Student loan

I just received a civil summons for a court date with the National Collegiate Student Loan Trust for the full amount of loans they apparently, serviced at one time. Those loans went into default in XXXX, then in XXXX, I began working with a debt collection service on a XXXX XXXX XXXX, after my XXXX Income Tax Return was garnished. I successfully completed all requirements of the XXXX XXXX XXXX as was then transferred to a new Loan Servicer and began making monthly payments there on time. That's when I last week, I was served by the county sheriffs with civil papers by the National Collegiate Student Loan Trust for the full amount of said loans plus accrued interest. 

I called my current Loan Servicer and they informed that I am up-to-date and in good standing. As my current servicer, no one else should be seeking settlement or have legal standing to do so. My current servicer advised me to contact CFPB based on the prior settlement against the National Collegiate Student Loan Trust.
Product: Mortgage

Pulte Mortgage : XXXX XXXX from Pulte was sent documents via a " secure email '' and uploaded online to their secure mortgage server but she stated she must have misplaced the documents. The documents contained PII such as DOB, SSN, banking information, address, and other information of me and my partner XXXX XXXX. Information was uploaded onto the secure website portal but she still stated she did not receive documents. Additionally, XXXX XXXX told me over the phone that {$610.00} would be taken out of my checking account after final approval but that she would call me before it was taken out of my account. The amount was taken out prior to final approval. I called XXXX 's phone and received her voicemail. An email was sent to which both XXXX and XXXX were out of office. Company has not apologized or offered me reassurance about my documents just that my loan was in underwriting. I told the manager to withdraw my application from the company. In addition, I had to cancel my contract with the builders of Pulte because I do not feel confident that they can maintain the security and privacy of my information. {$3000.00} good faith deposit to the construction company was not refunded from today 's date ( XX/XX/2019 ) and the money for closing costs in the amount of {$610.00} has not been refunded. I would like my refund amount and for the credit inquiry to be taken off both of my and my partners credit reports. I have all emails and application information stating she has lost our documents. 

Pulte : Pulte 's construction field manager XXXX XXXX has been incredibly unprofessional. His office hours are from XXXX to XXXX and he refused to meet with us for our new construction meetings during that time. He only would meet with us from XXXX. We live over an hour away and are new to our jobs so we have to leave 2 hours early to make it by XXXX. XXXX has stated that " I have 25 other homes besides yours I am taking care of that need my attention. In addition I have a family so I can not accommodate working past XXXX. '' I told XXXX we hired your company 's services and I don't understand why we can't meet at XXXX if it is still within your workings schedule. He refuses to accommodate us despite the potential we lose our jobs if we continue to leave work early for meetings. This has been relayed. We had to give {$3000.00} as a good faith deposit. They will not refund us this amount because we are unable to maintain the contract if they are not able to meet with us and accommodate a little with our work schedule. I have all emails about him not willing to accommodate us. People in attendance of the meeting was XXXX XXXX, Pulte sales consultant, and our realtors XXXX XXXX and her husband XXXX XXXX. 

I have more files to upload than this but they will not upload - please contact me for the rest of the files.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Product: Credit reporting or other personal consumer reports

This was paid off from XXXX back in XXXX or XXXX when I traded the car in for a new car. This should not be pending. 

AUTO LOAN ; NO CONDITION/STATUS ; ADJUSTMENT PENDING CONSUMER PORTFOLIO SVC Installment Account Paid as Agreed XX/XX/XXXX XX/XX/XXXX {$12000.00} {$0.00} XXXX days : XXXX XXXX days : XXXX XXXX days :
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding multiple hard inquiries on my credit reports that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only permissible with my explicit consent. As these inquiries were made without my authorization, I am requesting that they be removed immediately from my credit reports. 

Below is a list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documents : Government-issued photo identification ( driver 's license or passport ) Social Security card copy Recent utility bill as proof of address An affidavit stating my non-authorization of these inquiries
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute-resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for this violation.
Product: Debt collection

I hope this letter finds you in good health. I am writing to you in regard to my account with XXXX and I would like to address a matter that has been causing me concern.

Upon reviewing my credit report, I noticed that there are several instances of late payments reported for my account. I understand the importance of maintaining a positive credit history, and I am dedicated to fulfilling my financial obligations responsibly. However, I believe there may have been some oversight or misunderstanding regarding these late payments. 

XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request your assistance in investigating and, if appropriate, removing these late payments from my credit report. I assure you that these late payments were unintentional, and I am committed to ensuring that my account remains in good standing moving forward. 

I have attached supporting documentation, including [ attach any relevant documents, such as payment receipts, correspondence, or other evidence ], to substantiate my request. I hope this information will assist in your investigation and help facilitate a favorable resolution. 

I am confident in your commitment to customer satisfaction, and I appreciate your attention to this matter. If there is any additional information required from my end or if there are specific procedures I should follow, please do not hesitate to let me know.
Product: Mortgage

In XXXX my then wife and myself modified our mortgage under the HEMP plan. In XXXX my wife and I were divorced. In the divorce decree I recieved our house. My ex-wife also signed a notorized quit claim dead. In XX/XX/XXXX I modified my mortgage again under my name only. My mortgage provider at the time was the XXXX XXXX XXXX. I signed all agreements and provided a copy of my divorce decree and quit claim deed. My modification was approved in XXXX. I am now coming up on the end of my modification time line ( XXXX of XXXX ). In XX/XX/XXXX I am scheduled to have {$6000.00} dollars applied to my home loan for completng the Hemp program. My current mortgage provider now tells me I will not recieve the {$6000.00} dollars because the ( Dod Frank document ) is only signed by myself and does not include both my ex-wifes signature and mine. I have explained to my current mortgage company Select Portfolio Services that I did the current modification under my own name because I am divorced. The Select portfolio supervisor ( XXXX XXXX ) is telling me they will not pay the {$6000.00} dollars because I must have both signatures on the current Dod Frank form. I have explained to Select Portfolio Services over and over again that I am divorced, the house is mine and I did the modification under my own name. He is saying no matter what I must have both signatures on the current Dod Frank appication or they will not pay the {$6000.00} dollars. I feel this is incorrect and the supervisor XXXX XXXX is refusing to take care of the situation due to him being extremely stubborn.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with TransUnion and XXXX detailing this issue. XXXX completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX XXXXhat states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempts to remedy my issue, the company Equifax , Inc. located at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX Phone XXXX has not reported my account information or is able to give me a credit report. They have given multiple reasons for this negligence. This lack of reporting an actual consumer credit report or even a credit score has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services with XXXX  # XXXX Attached you will see the failure to produce any information from this company
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX and during this time my identity was compromised. The accounts listed below do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We received our annual escrow account statement dated XX/XX/XXXX from Ditech. It showed a {$930.00} surplus. It said we would receive our check as long as the account was current. We called after 30 days, told it was " under review '' and to call back in another 30 days and we were told the same thing. We were told that we were " contractually current '' and just waiting for them to disburse the check. Now, today, they said the escrow department had put a note on our account saying " a bankruptcy credit '' had caused the surplus to be reported erroneously and that as of now there is a {$1400.00} negative balance in our escrow account. When I asked XXXX, a supervisor, why we had n't been notified about this occurrence, he could n't give me an answer. We had reduced our insurance premium and coverage with our homeowner 's insurance at the beginning of the year and that reduced our payment and the insurance in the escrow account. When I asked XXXX, supervisor, employee # XXXX, about this, again he could not give me a definitive response. We talked to XXXX, empl # XXXX, on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, empl # XXXX on XX/XX/XXXX and XXXX, a supervisor, on XX/XX/XXXX as well as XXXX, a supervisor, empl # XXXX, today, XX/XX/XXXX. At minimum, if there is no surplus check due us, I will need an updated letter of explanation as to what this " bankruptcy credit '' is and how that affected our escrow balances for my bankruptcy lawyer. I think Ditech engages in deceptive, predatory practices.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly XXXX! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account with XXXX and they denied me even though my credit is in good standing because of wrong information from Experian. I have submitted claims with experian and they are reporting my credit at XXXX which is not. I have paid most of my credit cards off and resolved my judments a while ago but experian is still showing outdated information. I also show 11 inquiries on my credit which were done by an auto dealer and I did not authorized that many inquiries. Those are still showing on my report since last year and have not been cleared!
Product: Credit reporting or other personal consumer reports

transition said that the complaint Submitted to the CFPB on XXXX XXXX there was freeze only account therefore you all was not able to recover and resolve this matter, and I need to to bre reviewed. an re opened for resolving, XXXX had been resolved and XXXX. 

I am a victim of identity theft and I noticed that my credit reports contain accounts, name, inquiries, that I do not recognize. I did not give any person permission to have or obtain my non public personal information. I have a police report regarding the theft. Transunion, XXXX, and XXXX are reporting unverified, inaccurate, and fraudulent information. They do not have proof of authority. to report anything especially accounts that are a result of theft.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I can't reset my password to go onto myEquifax account as it gives me an error saying that my request can't be done at this time. I tried calling myEquifax to reset my password, but they give me an excuse that the password reset program is down. It has been a month and they still say its down, which is ridiculous at this point. I can't manage my credit freeze, which is a liability for me at this point.
Product: Debt collection

ive tried to explain to XXXX XXXX i am XXXX i get extra help because im XXXX.i have three types of insurance to cover everything so this is fraud i have XXXX XXXX and medicaid   .this is simple and plain out fraud.and as i understand Virginia law this is past three yrs of original date.so that would mean they are violating the fair debt collection act an all chapters of it that may apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already tried to fix the problem using this web sight. a line of credit labeled XXXX XXXX XXXX is reporting a payment back in XXXX of this year for 120 days late. the account was payed off through a consolidation back in XXXX throught he resolution from the last complaint the company agreed to delete the line of credit. till this day the error on the line of credit still exist. Please ... I need this resolved as soon as possible ... I was suppose to close on the XXXX of XXXX and this blurp in my credit is holding me back from getting the best rate possible. i appreiated anything that can be done to resolve this issue as fast as possible