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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

Hello I have received a document yesterday stating that my mortgage was transferred to XXXX XXXX XXXX mortgage do you know anything about this? They it was transferred on XX/XX/2023. 
This company has not answered their phones and their phone numbers are scam numbers and they do even respond to emails. I ask Mr. Cooper about this and their only answer is that someone opened a mortgage with that company in my name and how it possible that someone was able to a mortgage in my name without my permission? Also I have been sending in complaints about Mr. Cooper for the past 6 months and now this has happened and I want both of these companies throughly investigates because something is going on and I want to know what it is.
Product: Debt collection

I am getting calls 10 or more times a day at all hours. They are asking for a person I don't know. I have told them I am not that person they are looking for. I block them and they change numbers. 

The company of Portfoliorecov XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are allowing XXXX XXXX XXXX to report 2 fraudulent items to my credit report that doesnt belong to me. 

Item 1 : Credit Card {$1000.00} XX/XX/XXXX Item 2 : Auto Loan {$13.00} XX/XX/XXXX Ive been XXXX  during these years and many more
Product: Credit card or prepaid card

I have received multiple credit card offers from First National bank of Omaha for XXXX XXXX Visa card. I have returned the offer, along with a letter stating that I was registered with pre-screen opt out, and that I did not want any future credit card offers from First National Bank of Omaha, XXXX XXXX Visa. This was sent by US mail in XX/XX/2021 using the pre-addressed envelope along with the credit card offer form that I marked " Refused ''. I have not received an acknowledgement of receipt of my letter, and I continue to receive unsolicited credit card offers. I have never conducted any business with First National Bank of Omaha.
Product: Debt collection

I recently received forms from Pressler and Pressler representing XXXX XXXX. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XX/XX/XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XX/XX/XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by XXXX that the debt was charged off, the judgment was taken off and Pressler and Pressler no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel worthless from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XX/XX/XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
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. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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 : 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 card or prepaid card

I applied for a XXXX XXXX XXXX card through Barclay Bank Delaware. 

I assume that a credit card was issued ( card ending in XXXX ). Another card may have been issued ( card ending in XXXX ). 
A card was never rec 'd by my, however I was billed for the Annual fee XXXX When my first stmt arrived iI call Barclays and was told that they could not find the account. The second time I called I was told to please disregard the statement. 

Getting Barclays to supply information to me has been difficult. Account XXXX was closed and reported as deliquent and past due for the {$99.00}. The card XXXX on my credit report Barclays has no information on. Since I never made an purchases, card never arrived and was never used, Barclays appears to believe that I still on {$99.00}. and has report my non-pay to the credit agencies.
Product: Credit card

They are not refunding my account and they are taking money from my available amount. They charging me to much. I ask they to check with there accountant because its not adding up. I have statements from when they issued the card and my purchases. I hadnt make big purchases but they subtracting from my balance. I dont see
Product: Mortgage

I sent the mortgage company a check for XXXX- they said they have sent it back, I have not received it.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed inaccurate information being reported by Experian from an alleged account XXXX XXXX XXXX XXXX XXXXXXXX. Experian is reporting that the account was closed XX/XX/2023 until now, while XXXX is reporting on time payments in XXXX. Both of these can not be correct so with that being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. with this, Experian is not following the consumer right law and I would like for this information to be DELETED immediately.
Product: Debt collection

This is in regard to XXXX XXXX XXXX phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from Cascade before they take it off my credit but I spoke to cascade  and they gave me the documentation that is needed as it was settled in full by my insurance company and that XXXX XXXX XXXX  has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services LLC reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my Rushmore login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with Rushmore was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and Rushmore has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. Rushmore Loan Management Services needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with Rushmore, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless Rushmore is upfront and direct with them that they made a mistake.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint # XXXX. I asked that you all send itemized receipts and proof of investigation and I have not received. Please advise a data furnisher is not a complete investigation. Please advise the 30 day window is complete, which means that legally you have to delete the reporting of The XXXX XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Please remove the account below. Account- The XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX Companies - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX or equifax doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Legal action will be taken if a validation with all requested documents is not made available immediately.I filed a previous complaint with American Adjustment Bureau. I have still have not received validation of debt for this procedure XXXX that I did not authorize nor was it cleared by my XXXX I only agreed to have a regular cleaning and that's what I was booked for which is covered one hundred percent by my insurance carrier. Please provide a validation of debt via email with all supporting documentation along with my authorization for this invasive procedure and my signature on an estimate of additional charges which is required by my dental insurance company This information can be sent to XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct.

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : 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

I am writing to file a complaint regarding the inaccurate reporting of an account by Experian and XXXX. The disputed account pertains to an installment auto loan ( Account Number : XXXX ) with the following discrepancies : Experian : Date of Collection/Chargeoff : XXXX Unpaid balance reported as a loss by the credit grantor. 
Inconsistency in reporting the account status. 

XXXX : Date of Collection/Chargeoff : XX/XX/XXXX Consumer disputes - reinvestigation in progress. 
Discrepancy in the reported high credit and original charge-off amount. 
Lack of clarity on the resolution status. 

I have diligently disputed these inaccuracies multiple times over the past two years, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, 15 USC 1681 section 604 ( a ) ( 2 ) asserts my right to privacy, and 15 USC 1666b stipulates that a creditor can not furnish an account without my written instructions. 

Despite my efforts to rectify these inaccuracies, both Experian and XXXX continue to update the information with further errors, violating my rights as a consumer. I kindly request your intervention to address this matter promptly and ensure the removal of the inaccuracies from my credit report. 

Thank you for your attention to this issue.
Product: Checking or savings account

I made a purchase online at XXXX on XX/XX/18 and the merchants website glitched and charged 11 duplicates for the same product. I immediately emailed the company after I noticed all the charges in my bank app asking them to cancel the duplicates. They refused and said all sales are final and I couldnt receive a refund. I then called my bank USAA to dispute the charges and they issued temporary credits, looked into the transaction and agreed it was a glitch and said I wouldnt be responsible. A month later I got a notice from my bank that they were starting an investigation. USAA asked me to contact XXXX and ask for a refund again. The merchant didnt answer for a couple weeks and when they finally reached back to me they said they only received 6 chargebacks. They supplied me with a label and I shipped 6 of the products back on XX/XX/18 and they received them on XX/XX/18 and told me they accepted the chargeback. When I got back in contact with a dispute rep from USAA they told me to ask about the remaining orders. I then started getting emails saying the disputed cases did not end in my favor and were being closed and the initial temporary credits started reversing and I still didnt have the refund from the 6 accepted chargebacks. I called back to the dispute rep and she said it shouldnt be closed so she reopened the case and said she would contact the back office dispute team to stop the credits from reversing, look into the missing chargeback refunds, and contact the merchant XXXX for me since they were now ignoring my emails. We spoke last on XX/XX/18 and she said she would contact me again in a couple days. Since then all of the credits reversed totaling {$2300.00} out of my checking account, Ive called her extension every day for the past week and a half and havent gotten an answer even after leaving messages. I emailed XXXX and they confirmed the chargebacks were accepted and they said theyve done all they can and its up to my bank to finish the chargeback. Im now in a back and forth and Ive talked to 5 different reps at USAA at different levels who can only seem to make notes to my account and tell me to keep trying to call my assigned dispute rep or contact the merchant. No one can give me an answer on my chargeback status or when or even if I will receive my money back. My dispute rep started out great but has disappeared for 2 weeks now and seems to be ignoring/avoiding me. Ive been dealing with this for nearly 3 months now, product was shipped back a month and a half ago and accepted, and plenty of proof and all requested documents have been submitted to USAA. I dont know what else to do and I desperately need this money to pay my bills immediately. I authorized 1 purchase, not 12. Please help
Product: Debt collection

Affirm credit took out 3 charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to affirm notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of $ XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and Affirm identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from XXXX XXXX on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.