23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage has been with XXXX  XXXX XXXX. During Covid ( my now estranged husband ) placed forbearances on our mortgage because his work is primarily commission-based. There have been multiple forbearances and while his understanding was that they would move to the end of the mortgage, a lump sum was expected to bring the loan current. He was allowed to begin the forbearance process even though we are both on the deed. This was for mortgage and HELOC. All ended in XXXX of XXXX. I brought the HELOC current myself, by making all of the past-due payments. I was not able to do this for the mortgage, given the amounts. I live in the home with my XXXX children and my youngest is in a special program at XXXX XXXX XXXX. I hoped to stay in the house just until the kids finished XXXX. We did not receive child support for a year, then $ XXXX, until we finally got a judge in our case- we now receive support, though no other help. I have the kids 100 % of the time, I work full-time as an Assistant XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My estranged husband lives for free in multiple-family homes ( no mortgage in his name, no cost ), and I have worked diligently with the bank to stay in good standing. The judge in our divorce case determined it would be detrimental for my kids to move and that my husband had to cooperate with the loan modification process. I worked hard on this, and while in the mod process, XXXX allowed me to keep making monthly payments. My credit score is in the XXXX and my only other debt is a monthly car payment ( {$370.00} ). In XXXX of XXXX, XXXX  XXXX XXXX sold our loan to Selene Finance, a predatory company that said they offer modification plans too, to keep people in their homes, that they had all of XXXX 's info, and that I would have to start the mod process again with them I did all as told, submitted everything, but they would not allow me to make monthly payments during the mod review, making me even more behind in payments, and increasing the amount owed up from to {$63000.00} ( including penalties? ). They denied my modification saying I don't have enough income, then saying we made too much to qualify?? I XXXX XXXX an appeal letter on XXXX to be received on XXXX, yet they told me they denied my appeal on XXXX! They are destroying my ability to pay, stay in good standing with the bank and credit agencies, and will force me and kids from my home, and if my credit is ruined, I won't be able to get anything. I an terrified and angry at these allowed, yet clearly predatory practices that set people up to fail. Look them up on XXXX. I need help addressing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, Transunion, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from Transunion or XXXX. 
Transunion updated comments to this : Account information disputed by consumer, meets XXXX  requirements. I'm confident that this is also a violation of the XXXX  considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act .... 
The US District Court Case # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX Has violated my rights.

15 U.S.C. 1681 Section 602A States : I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 States : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Overdrafts fees and they closed my account without my consent or notifying me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to priviacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instruction.
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX XXXX XXXX I got a call from XXXX XXXX saying he got my credit card debt information from a government agency that was picking people that qualified for their program. He was very insistant that this was a real program. I listened and I should not have. I did not make any commitments to XXXX. On XX/XX/2023 I got a call from a man claiming to be a lawyer. He gave me an attorney ID of XXXX. I recognized his voice from previous phone calls about debt relief. Then also, on XX/XX/2023 I got a call from a XXXX XXXX claiming to be calling me from my banks fraud dept. She said that XXXX got a letter from Freedom Debt Relief XXXX saying that I had signed up for a debt relief program and that XXXX could not receive anymore of my credit card payments. Then I asked XXXX for the phone number on the supposed letter XXXX got. I called the number and it was the same people I spoke with the day before. I was convinced they were real but did not commit. I spoke to a XXXX at their verification department and when she answered she gave the name XXXX XXXX XXXX. She forwarded me to XXXX XXXX at that same company and he told me I had to authorize {$9600.00} to be charged on my credit card to enter the program. I had my husband get on speaker phone. He told him absolutely not and XXXX said he understood. XXXX said they would destroy all my credit card information that they had. I never signed ANYTHING! Then, last week they called again, this time saying they were from the XXXX XXXX XXXXXXXX and why had I not finished signing up for the program? They were very pushy and verbally abusive when I questioned him. I hug up. Today, I got a call from a XXXX XXXX XXXX XXXXXXXX saying he was from my credit union and that they had received a 609 letter telling the bank I had signed up with a debt relief program. I asked him for the name and phone number on the letter. XXXX XXXX XXXX extension XXXX. It was the same number that called before pretending to be XXXX bank. Both times I called the bank and credit union and nobody made a call to me and they never received a letter. I am a XXXX  and these people need to be stopped! I have blocked their number but impersonating a bank and credit union employees has to be a crime!
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed out the a letter to Equifax, XXXX, and XXXX Explaining to them that they are in violation of many different codes. They are reporting payment history, delinquencies, amongst various of other things without my authorization. It need to be updated or removed immediately As theyre going against the FRCA .
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX LexisNexis Risk Solutions XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear LexisNexis, This correspondence serves as information regarding my credit report related to XXXX XXXXXXXX XXXX XXXX XXXX My investigation indicates that there exists fraudulent data. I have found two inquiries that are shown on my credit file through LexisNexis. This correspondence serves as a formal request for an update regarding information in my credit report related to XXXX XXXX XXXX XXXX. My records indicate that the inquiries are still being reported with his written authorization and misleading data which adversely affects my financial health and creditworthiness under FCRA 15 U.S. Code 1681. I request that you investigate and remove these two fraudulent inquiries from my client 's credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. 

Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I didn't give XXXX XXXX Mutual permission to go into my LexisNexis report so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


List of inquiries that needs to be removed : XXXX XXXX Inquiry Records Date of Inquiry ( Year/Mo/Day ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Report Dispute Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject XXXX ** Formal Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information listed on my credit report. After reviewing my credit file, I noticed multiple accounts that contain errors, do not belong to me, or are inaccurately reported. Please find the details of these inaccuracies below : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Reported as past due ; this information is inaccurate. 
XXXX. XXXX XXXX XXXX : Reported as past due ; this information needs verification. 
XXXX. **XXXX** : High utilization reported inaccurately. 
XXXX. **Yendo XXXX XXXX High utilization reported ; not my account. 
XXXX. XXXX*US Department of Education** XXXX Listed in collections but not mine. 
XXXX. XXXX XXXX XXXX : Listed in collections ; this account is not mine. 
XXXX. *XXXX XXXX XXXX* : Listed in collections ; inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged off ; not mine. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information on consumer credit reports is accurate and verifiable. Additionally, I am aware of the recent CFPB lawsuit against Experian for inadequate investigations into credit report disputes. I expect Experian to conduct a thorough investigation into the above-listed accounts and remove any inaccurate or unverifiable information. 

Attached to this letter is supporting documentation, including my ID, a utility bill to verify my identity, and a copy of my lease agreement. 

I look forward to your response within 30 days as required by law. Failure to comply with these obligations may lead to further actions, including filing a complaint with the CFPB. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX months ago i received a message from the three credit bureaus that a new collections was reported on each of my reports for {$230.00}. I do not know, nor have I ever heard of the third party agency, nor the original creditor, nor did I receive any letter from either of these parties claiming I owed any alleged debt or notice to cure. I disputed with all three bureaus to validate the authority of the entity to collect on the alleged debt. Two bureaus replied that the debt was not validated and removed from my credit reports. The third, XXXX, refuses to validate the alleged debt. I have challenged it three times requesting they validate the debt yet they respond within a few days saying the debt is verified. I did not request a verification, i requested a validation, and they continue to ignore my request and return what they wish to return which is outside of the scope of my request. 

I am asking the CFPB to contact XXXX and request they validate the alleged debt according to the FCRA.
Product: Vehicle loan or lease

Date Of Transaction : XX/XX/year> The Amount Of Money I Paid The Business : {$6500.00} Down Payment, {$24000.00} For The Car What The Business Committed To Provide You : The Sales Agent Told Me The Car Was {$13000.00} What The Nature Of The Dispute : He Lied And Forged Random Stuff On My Contract I told Him I Can Only Afford A XXXX and under car. That Is The ONLY Reason i bought the car. Because it was affordable. And I Just Turned 18. The Only Reason I'm mentioning something this late is because i just got To Look At The Falsified contract they sent me via email a couple months ago because i was wondering why am i still paying on this crap. It makes my blood boil because nobody is trying to believe me or hear me because its a big company. these XXXX real deal make you sign a paper version and forge your info into a virtual document so that way Lawyers cant do to much because they are a fraudulent company. Yall know what yall do to people, i wont stand for it. Just look at XXXX  XXXX XXXX. they did me wrong, signing me up as a minor without my parents present and manipulated me. I'm not trying to threaten no one, but the right amount of word of mouth and the amount of people I'm going to petition to come together and i pledge to continue until the business is gone just like XXXX XXXX XXXX, I'm done playing with people. IM TIRED OF NOT BEING HEARD OR COMPENSATED.

Whether Or Not The Business Has Tried To Resolve The Problem : No They Keep Brushing me off until i be the one to make them file bankruptcy. I'm trying to be nice, XXXX  XXXX XXXX didn't listen, now look at them. this the second time i made a complaint. if this one get bushed off, I'm going full throttle. 

If Issue Involves Advertising, When And Where The Ad Was Seen Or Heard : yes they state the price of the car but that isn't the actual price
Product: Credit reporting or other personal consumer reports

I've tried numerous times for this company to quit using my credit as they please, they refuse and actually is against the law under chapter USC 15 they are reporting without my permission!! This company is ridiculous to deal with and I WONT recommend this company to anyone!!! I'm so tired of this company reporting my credit as they please every single month! It's sad that this company isn't understanding AT ALL especially when you have recently went through a break up and have been going through a financial hardship and trying my hardest to get back on my feet but I guess unless XXXX is involved they could careless!!!!! I want my account marked as positive and paid as agreed! I'm really trying my hardest but the economics and relationship made it hard! I hope they would find it in there XXXX but I doubt that with this company!!!!!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX, I requested my free annual credit report at https : XXXX After completing the site 's form, requesting my free report from Equifax, and answering all of Equifax 's credit questions, the site said I could get my credit report. When I clicked a button to get the report, the next page said I couldn't get my report online and that I'd have to fill out a form, and additionally send my personal sensitive information by mail. The website read : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with LexisNexis. Please see attached certified mail and receipts. 
According the FCRA, LexisNexis violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against XXXX XXXX at XXXX XXXX. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX and XXXX  XXXX  XXXX  XXXX. I also like to dispute these fraudulent inquiries listed on my credit report. They are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX  and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}