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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute the negative items listed on my credit report. Upon reviewing my report, I have identified several inaccurate and misleading pieces of information that have contributed to my low credit score. I request that you investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report immediately. 

XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report. 

XXXX XXXX XXXXXXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ).

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : STUDENT - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so.

I expect your prompt response and investigation of these matters, in accordance with FCRA Section 611 ( a ) ( 2 ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't receive my activation code or any information from the Equifax Data Breach Settlement regarding the credit free credit monitoring I selected on XX/XX/2020. I was also given a submission code too. 

I reached out to the Equifax Settlement Administrator via online, email and phone on XX/XX/XXXX and again in early XXXX of this year. But no response at all. 

This is very unprofessional especially since my information was breached on Equifax. 

It seems like Equifax has lied to me by promising that free service if you select it.
Product: Debt collection

XXXX/XXXX filed dispute of loan XXXX report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to XXXX XXXX No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and Tru Accord collection sent it back to XXXX XXXX XXXX XXXX received email from XXXX XXXX XXXX all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again
Product: Mortgage

Around XX/XX/XXXX, I thought I have finished submitting all documents needed for my refinancing request. 

My interest rate right now is XXXX. 

My loan officer informed me that the process wouldnt be as exhaustive as the initial one. 
When I first submitted my first request to purchase a house for the first time in my life, I was making about XXXX. XXXX XXXX and XXXX XXXX dollars net a month. They were the sum of my social security income and a state pension. 

I was approved, so I thought now that I am working as a XXXX  XXXX  making about XXXX XXXX dollars a month would make my refinancing request even easier. 

My credit score at the time of my request was XXXX. 

On XX/XX/XXXX, I received a message from Guidance residential, notifying me that my application has been conditionally approved. 

I started communicating with my loan officer XXXX . 

XXXX XXXX, whom I told that I am not pleased with the company asking for more documents. He informed me to Waite. On XX/XX/XXXX he requested some clarification regarding a specific credit card which has about XXXX in balance. 
I submitted what he requested. 

However on XX/XX/XXXX, he informed me per a phone conversation that the company determined that I have not been working for two years and my debt is too much and unless I pay the whole card off, my request wont be approved!. 

I tried to explain to XXXX XXXX that when I first applied for a mortgage through their company I wasnt working with this security company and they know that, so it doesnt make sense to base a denial decision on it, and also my credit score is good, I have never missed a payment to them or to any of my credit cards. 

But that wouldnt change their mind. Then I requested some information that shows the laws and legal procedures regarding this issue and the criteria by which a denial or approval can be determined, so that I can see where are my shortcomings. 

In response to my request, XXXX XXXX, emailed me some thing that say to the effect that its mandatory to work more than 12 months so its not two years as he informed me. 

I asked XXXX XXXX if I work until I pass the 12 months required, would I be able to apply again. 

He didnt answer my email nor my phone message.
Product: Debt collection

Receivables Management has placed a collection on my report in the amount of {$440.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Receivables Management. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment for this account was made on time for the billing cycle due in XX/XX/XXXX, but the creditor incorrectly reported it as late. I have attached bank statements and payment confirmation showing that the payment was successfully made well before the due date.

Despite my timely payment and the evidence provided, the late payment entry has not been corrected by the reporting agencies.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to request your assistance regarding an issue Ive encountered with Sequium, a debt collection agency. Recently, while working with a mortgage company, I discovered that I had an outstanding debt with XXXX XXXX that had been sent to collections with Sequium. 

On XXXX I immediately called Sequium to resolve the debt and paid the full amount over the phone at XXXXXXXX XXXX. The call lasted XXXX minutes. However, I did not receive a receipt via email as promised. 

Today, I made several follow-up calls to Sequium to obtain proof of payment : At XXXX XXXX  for XXXX minutes At XXXX XXXX for XXXX minutes At XXXX XXXX  for XXXX minutes The highest-ranking individual I was able to reach was XXXXXXXX XXXX, a Collection Manager for XXXX at Sequium. During our conversation, I expressed concern that my consumer rights might be violated due to their failure to provide a receipt, to which XXXX XXXX responded, you do what you need to do. 

Additionally, I sent an email at XXXXXXXX XXXX  requesting proof of payment, but I have not received any documentation. Despite the payment being debited from my account, I still have no official proof of payment. 

I believe I am entitled to receive confirmation of my payment. I would appreciate your guidance on how to proceed and whether Sequium is required by law to provide me with proof of my payment. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I, XXXX XXXX XXXX XXXX XXXX, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XX/XX/2017 XXXX U.S.C 1681 section 602 A. states I have the right to privacy.

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

Delete this account immediately, unless you want to be held XXXX per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS XXXX XXXX  ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning such items of information. 

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus XXXX XXXX under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX ; Experian/XXXX/XXXX  ; I am writing to formally dispute a hard credit inquiry reported on my credit report by XXXX XXXX XXXX, dated XX/XX/year>. I did not authorize this inquiry nor provide consent for access to my credit report, and as such, I request its immediate removal. 

Inquiry Details : Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Type : Mortgage Reporters Inquiry Date : XX/XX/year> This hard inquiry is a direct violation of my consumer rights under the following laws : 15 U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations.

15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed.

15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted.

15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. 

Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Today, I was notified of a change to my credit report. I am concerned about the accuracy of my personal information being reported. According to the FCRA. I have the right to an accurate credit report.
Product: Student loan

Sallie Mae Bank has been harassing me via phone. Im unable to pay my monthly payments due to financial hardship that started with COVID. I have reached out to them multiple times, each time they say they will work with me to come up with repayment options and each time they review my account they tell me there are no options. I do not understand why the phone calls continue if there are no repayment options that I can manage. They refuse to lower my monthly payment. Now theyre calling precious employers.
Product: Credit card or prepaid card

THE FILES HAVE BEEN SENT TO CHASE. 
THEY INCLUDE THE STATEMENTS FROM THE TIDES WHERE I RESIDE. 
ALONG WITH THEM ARE THE STATEMENTS FROM CHASE REFLECTING THE INTEREST CHARGES. 
I CONTACTED THE BANK EARLY IN THE YEAR AS I HAD LOST MY JOB AT XXXX XXXX 
THE PRINCIPAL AND HER ASSISTANT WERE FIRED THIS SPRING. 
I WAS IN ARREARS AS A RESULT OF NOT RECEIVING MY TAX REFUND FROM THE IRS. 
THE BANK HAS ALL OF THE INFORMATION IN THE FILE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to present, Transunion illegally deducted monthly fees of {$26.00} from my credit card without my permission. I never received any services for this fee. Moreover, their website does not have a way to stop the subscription despite my efforts to effect it in writing and by calling them.
Product: Mortgage

The following is in reference to a new complaint against " Shellpoint Mortgage '', as for the previous one was completed. I contacted their Loss Mitigation Department on XXXX XXXX, XXXX, and spoke with representative " XXXX XXXX '', in reference to the following matter : I requested a Release of Mortgage. This loan was discharged in Bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/XXXX. The account is closed. It needs to be updated as " Cease & Desist ''. I was advised by " XXXX XXXX '' that she would escalate this to the proper department, and to allow approximately 30 days for further review. Since I had not heard back from them, I decided to reach out to the Loss Mitigation Department again on XXXX XXXX, XXXX. I was then told they could not discuss anything with me, that I needed to have my attorney contact them. I explained I did n't have an attorney, nor should I have to retain one for this matter. They then proceeded to transfer my call to a " bankruptcy department '' with a voicemail, where I was unable to speak to a live representative. I have left numerous messages with no reply. As a result, I am left with no alternative other than to reach out to you again for assistance. I want to resolve this matter, so as to be able to purchase a home in the near future. I would appreciate your assistance. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

Details of the fraudulent items and the severalremoval attempts : I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX, conn appliance, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/year> from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. XXXX XXXX credit card as paid in full and XXXX reporting late payments this year. Remove the payment history.
Product: Credit card

My wallet was stolen at the gym ( XXXX XXXX  ) on XX/XX/year>. All 7 credit cards and one debit card was charged ranging between {$200.00} and {$600.00}. One of the credit card is Barclays master card. I disputed the transaction that was made at XXXX and gave me a provisional credit but they came to conclusion that the transaction was valid therefore they charged the disputed transaction for {$250.00}. I do have a police report on file. It is frustrating that they came to this conclusion without doing their due diligence to protect their customers from fraud or thieves!
Product: Mortgage

Mr. Cooper mortgage company withdrew 2 unauthorized payments from my account overnight ( XX/XX/2021 ) each in the amount of {$2400.00}. I am not signed up for auto-pay. I did not authorize these payments. My payment was not due. I am not late on payments. They are not answering calls even though their call center is open. My bank is overwhelmed and I can not get through to them. Per social media, MANY other customers with Mr. Cooper are having the exact same problem this morning. My checking account is now overdrawn by $ XXXX and I have no access to MY MONEY that they STOLE from my account.
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.In accordance with the Fair Credit Reporting act. 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 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.