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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 information, other than records of conviction 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: Debt collection

I have a letter dating back to XXXX of XXXX from a debt collector by the name of XXXX and after filing a complaint and sending a debt validation dispute letter back to the company they cease collection activity. Then, XXXX of XXXX I received another letter about the same debt from XXXX XXXX XXXX, and after disputing they cease communication about the alleged debt. In XXXX of XXXX I received another letter about the same debt from a law office by the name of XXXX, XXXX, XXXX XXXX XXXX attempting to collect on the same debt. I sent them another dispute and a Cease and Desist which they have now violated. These debt collectors have violated my PRIVACY RIGHTS, MY CONSUMER CREDIT RIGHTS, AND THE LAWS OF THE FDCPA. I never consented to my personal information being passed around or sold or shared with any of these THIRD-PARTY DEBT COLLECTOR AND ATTORNEY 'S. This is harassment and detrimental to my personal information. XXXX  XXXX XXXX was to issue a 1099C not sale my information to the HIGHEST BIDDER. I have no contractual obligation to none of these debt collectors. XXXX  XXXX XXXX violated the Truth in Lending act and never properly credited my account under 12CFR open ended credit plans. I DEMAND THIS INFRINGEMENT ON MY INTELLECTUAL PROPERTY CEASE IMMEDIATELY. I HAVE ALERTED THE FTC THE FDIC AND THE NEW YORK XXXX XXXX.
Product: Debt collection

XX/XX/2019 amount due is XXXX i have filed an identity theft report at identitytheft.org
Product: Credit reporting or other personal consumer reports

I'm have disputed these inquiries due to me having no knowledge or haven't given any express consent to utilize my record in this manner. I have disputed this with Experian and have cited consumer codes and law.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking account package at PNC under a promotional offer to receive a {$400.00} reward after receiving {$5000.00} in direct deposits. The direct deposit requirement was met with a series of direct deposits from my employer, the last of which brought me over the {$5000.00} required amount on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I reached out via chat support to inquire about the status of the {$400.00} reward. I was told that it was under 24 months since the last time I received a reward, making me ineligible. However, the last promotional reward I received from PNC was on XX/XX/XXXXXXXX XXXX XXXX This new account was opened on XX/XX/XXXX, which is greater than 24 months since the last bonus was received. The terms of the promotion specifically state, " New account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 12 months, or has been paid a PNC promotional premium in the past 24 months. '' I meet both of these requirements, along with the other requirements of the offer.
Product: Debt collection

Absolute Resolutions HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT. I'VE HAD NO DEALINGS WITH THIS COMPANY Absolute Resolutions. RECENTLY ON XX/XX/2020 Absolute Resolutions REPORTED A {$11000.00} COLLECTION ON MY CREDIT REPORT THAT IS INACCURATE. 

THIS Derogatory mark HAS REALLY AFFECTED MY CREDIT SCORE IN A NEGATIVE WAY.
Product: Money transfer, virtual currency, or money service

XXXX3 money orders purchased from Westen Union , {$1000.00}, {$1000.00} and {$43.00} and sent to XXXX Dept of Finance to pay property tax bill. After several weeks, payment from the money orders not reflected on said tax bill. XXXX Dept of Finance claimed that they never received money orders, they were never processed, endorsed, or applied to the tax bill. 
Tracers were put on the money orders, and when results received, the money orders were not endorsed. Claim forms received from Western Union were filled out and sent to XXXX DOF on XX/XX/19, to sign off on and notarize. After 4 months- DOF legal refused to return claim forms, saying that since they were not received by them, they had no obligation to cooperate. 
Notarized letter ( attached ) by the homeowner explains everything and has all the necessary documentation to substantiate the claim. Claim forms sent to Western Union on XX/XX/19. Letter received on XX/XX/19 stating that the claim could not be processed as the claim forms were not signed and notarized by the payee -- even after a notarized letter sent to W U stating that the XXXX DOF was not going to cooperate. 
An e-mail from XXXX DOF-on letterhead, with DOF contacts, sent to Community Board # XXXX, stating that money orders not received, processed, endorsed, was include as proof of claim. 
A call to WU on XX/XX/19 determined that the claim would be escalated and to call back in a few days. A call was made on XX/XX/19 which determined that the sponsoring bank ( W U would not divulge name ) denied claim due to the claim not being signed, and one claim was sent to bank, Western Union 's responsibility ended and was not in a position to process calim any further. W U still would not advise the disposition of the money orders ( cashed or lost ), as the claim was not formerly processed. 
Homeowner is in areas in paying his XXXX property taxes as he is a senior citizen on a fixed income, and was waiting for the claim to be processed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reach out via mail, and phone to all three of the credit reporting companies XXXX, XXXX, Experian, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.
Product: Mortgage

Mortgage company failed to pay taxes out of our escrow account. The taxes are now 7 months behind. We have been in constant contact with the mortgage company in the past 7 months. We were assured it was paid over and over several times by the mortgage company.. Several times. Have now received a letter from a lawyer for the city, stating they are going to begin the process of foreclosure if we do not pay the overdue taxes. 
Mortgage company is Nation Star Mortgage. Note we have NEVER missed a mortgage payment OR been late OR not paid in full our monthly mortgage payment. We also have email documents back and forth from the company saying the taxes were paid. And they still have not been.
Product: Credit card or prepaid card

I emailed XXXX XXXX on XX/XX/2019 and stated in the email that the charge off they have on my account was a fraudulently obtained card that I never applied for. The charge off has now been sent to LVNV Funding, LLC whose now reporting negatively on my credit report which is hindering me from obtaining certain loans. The account is a XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
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 under 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 prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Product: Debt collection

I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a damaged shoulder and neck and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of XXXX XXXX XXXX XXXX refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXXyr old man and I want to fight for what is right.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance {$320000.00} XXXX XXXX XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Product: Debt collection

Transunion continues to report items on my credit profile that are against the FCRA Title! 5 1681b2 which states that written consent has to be given 2. medical information is an exclusion as it can not and should not be reported. i asked for a copy of a wet ink signature to no avail. anything outside of a wet ink signature is counterfeit, and violations of the FCRA 1. XXXX XXXX 2. XXXX  3. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The ExperianXXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Im disputing the accuracy from of the payment date of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Missing information is not complete and accurate. Theres also a charge off for XX/XX/XXXXXXXX  and another charge off for XX/XX/XXXX. This is illegal and inappropriate behavior for you as the reporting agency to count this as verified. This is illegal Re aging. I cant charge an account off every month. Prove to me that this is accurate. You keep saying verified but you cant prove this. You are breaking the law XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. {$1600.00} ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate vour investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

Dear CFPB, I am filing this complaint due to gross inaccuracies in my credit reporting that have resulted in severe financial harm, including excessive interest charges, wrongful loan denials, and ongoing financial hardship. These errors have artificially lowered my credit score, preventing me from obtaining fair credit terms.

Key Issues : Inaccurate Reporting of Account Details : Account Balances & Payment History : Loan balances are inflated, and on-time payments are misreported as late.

This misreporting has led to higher interest rates and unjust loan denials.

Negative Accounts : Two negative accounts appear incorrectly or are unverifiable and must be removed immediately.

A previously disputed and removed negative account has reappeared, violating FCRA compliance.

Credit History Length : My oldest account is reported incorrectly, shortening my credit history and unfairly lowering my score.

Resulting Financial Harm : Thousands of dollars in overpaid interest.

Denial of multiple loans, making it impossible to buy a car or a house.

Unwarranted fines and penalties.

Continuous mental stress and financial strain.

Previous Attempts to Resolve : I have repeatedly
disputed these errors with Equifax, Experian, and TransUnion, as well as contacted my creditors.

All efforts have been ignored or mishandled, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

Immediate Actions Required : Remove all inaccurate negative accounts.

Correct account balances, payment history, and credit history length immediately.

Investigate and refund excessive interest charges and penalties.

Hold both credit bureaus and creditors accountable for failing to correct these errors.

Provide written confirmation that my credit report has been fully corrected.

Supporting Documents Attached : XXXX XXXX report showing incorrect information.

Loan statements, payment records, and loan denial notices.

Copies of dispute letters and unresponsive replies.

Correspondence with creditors.

Final Notice : I expect written confirmation from the CFPB within 15 days that all errors have been permanently removed and my credit report corrected.

If this issue is not resolved within 60 days, I will escalate the matter by filing a formal complaint with my State Attorney General, hiring a consumer protection attorney, and pursuing legal action for the financial and emotional damages incurred.

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

In accordance with the Fair Credit Reporting Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Debt collection

Credit Acceptance Failed to give me proper validation of this debt. They stated they do not have any account under my information. If there is no account ; why are they furnishing it on my consumer report.
Product: Credit card or prepaid card

I tried to use my account and it says it is restricted and when I called customer service, I couldn't understand what the agent was saying.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased XXXX air tickets with XXXX XXXX using my Chase Bank Sapphire Reserve Card that includes insurance for trip cancellation protection. 
Due to a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. On XX/XX/XXXX I submitted a trip cancellation claim with Chase Bank XXXX XXXX services via their e-claims on line. Claim # XXXX and their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has not paid the claim and continues to ask for the same documentation that I have already submitted several times. Specifically, credit card statements showing my loss of a cancellation fee of {$300.00} XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX cancellation policy. I have complied and submitted these documents more than once. Now, the claims administrator is asking for me to submit them again and a specific charge from XXXX XXXX to my card. The claims XXXX knows very well that the cancellation fees are deducted from the price I already paid for the airfare and the airlines do not send a separate bill for a cancellation fee. The XXXX XXXX has been attempting to make it impossible for me to receive compensation. Researching XXXX XXXX on line shows a terrible rating with hundreds of complaints like mine as they try to wear down the complainant to give up.
Product: Debt collection

We have never received notification from this agency regarding a medical bill. The only way we found out about this debt was through a derogatory collection mark placed on the credit bureau report. We want to pay the debt, but feel the item should be removed from the CBR because we did not receive notification of the debt. The agency will not remove the item, says the can update. Claims they have validation we knew about debt. This is not true. The numbers they gave and stated they were contacting us were not even our phone numbers. We just updated them with the correct number when we submitted the dispute. The item should be removed from the CBR as we were never given time to dispute this before it was placed on the CBR. We never received any notice until we disputed the debt in XXXX 2016.