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

GM FINANCIAL PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR REQUEST. I WROTE THEM AND THEY DENY IT. THEY ARE WRONG! 

On behalf of XXXX XXXX XXXX .... This is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so 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 fr purpose.
Product: Credit reporting or other personal consumer reports

You are breaking multiple laws in regard to my consumer report.

The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.
Product: Mortgage

I changed insurance companies due to lower rate that i have done several times in the past. All information was sent over to Bank of America to send payment over, next thing i know is my policy was cancelled due to non payment. XXXX never got the payment from bank of america so i called Bank of America to see what happened and they sent the check out to wrong address and wrong payee. When i spoke to them they said a new check would be overnighted to them so this issues is resolved. It has been almost a month and issue is still not resolved. The new policy was sent over on XX/XX/18 in the amount of {$1900.00} ( check not received ), 3 times a week for the past month i have called them for status and nothing has been done, I last spoke to XXXX a manager at bank of america and he assured me it would be sent out. Still nothing has been sent out and i am without insurance on my home now.
Product: Mortgage

I live within XXXX. Yesterday ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from the mortgage servicing company saying I had recently missed a mortgage payment. The letter also stated that I needed to reply by XX/XX/XXXX - which had passed by the time I received it. 

My bank records here in XXXX show that I have transferred each monthly mortgage payment via internet transfer, using bank transfer details provided by the mortgage company in XXXX. 

However, the Monthly Statements - along with various other correspondence - appear to be sent via surface mail taking months to arrive. For example the last Monthly Statement I have received, for statement date XX/XX/XXXX, was received by me on XX/XX/XXXX. I have not received monthly statements for XXXX, XXXX or XXXX although I have made payments for each of these months. ( There is unfortunately one monthly payment which may have contained an incorrect amount in error - the unadjusted amount for this year instead of the newly adjusted amount for this year. ) With the delay in receiving correspondence, I now find that I don't have a clear picture of the state of my account ( as I'm unaware of what late payment fees may have been applied to the account ), and that I may be forced into foreclosure.

I have been unable to log onto the website for the mortgage company, nor make contact via phone. However I have sent an email yesterday, and am awaiting a response.
Product: Credit reporting

XXXX collections is reporting on my credit a medical collections account that IS PAID IN FULL AND WAS BEING PAID BY THE INSURANCE it can not legally report anything on my credit as I do n't have an account with them and Medical collections cant be reported if they are being paid by Insurance. They use the name carter young on XXXX Credit report and the name XXXX on my XXXX report and have no name listed on XXXX the account has a XXXX balance and needs to be removed within the XXXX days that they are allowed by the FDCPA as my right 1. I am requesting a FULL payment history 2. The contract that I have with XXXX ( I do n't have one ) 3. The signed paper work req for me to waive my hippa rights. 
4. The contract where this account was placed with XXXX has XXXXdays as the law stats to validate this debt provide my in writing the the above information. If they fail to do so they have XXXX options remove this account from my Credit File or face legal action.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. Code 1681i which mandates a reasonable investigation dispute. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Aid ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the recent CFBBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.I request that CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation.

Accounts 1. Old Address to be removed 2.charges off/ wrong dates on accounts 3. Debt collectors, no approve by thrift party 4. Hard inquiries not approved by me or gave permission to pull my credit by those accounts I I want reported accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent in an identity theft report via certified mail, requesting that specific frivolous accounts be removed from my credit report, but I never received one response from TransUnion.
Product: Debt collection

After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of account that is still being reported on my Credit Reports. XXXX XXXX
Product: Consumer Loan

I have XXXX auto loan company 's that I want to dispute on my credit, XXXX was thru pnc bank the money was wired and I have the reciept they are showing not paid still and another thru XXXX I paid my loan off and they closed the business but did n't remove it off my credit
Product: Bank account or service

BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This error on my report has cause me to go into a XXXX. I have spoken with several representatives and a supervisor regarding this matter. I was ensured that my credit would not be impacted.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a bill from XXXX for internet services for my old apartment over a month after I had moved out and transferred service on XX/XX/2023. I contacted XXXX customer service to find out what the bill was for, and was informed that it was for dates of service after I had moved out. They said it had been billed in error after I had moved and the account was not closed, but they would close the old account and the bill was in error. I then received another bill in XXXX and contacted customer service again, and they again said this was a billing error and I did not owe money. I have included screenshots of one of my chats with customer service. I was told the matter would be resolved in 3-4 business days and never heard anything else. Then, at the beginning of XXXX, I received a collections notice for the bill. I filed a complaint with the Washington State Attorney General and was contacted by XXXX customer relations. They said the bill was actually from services in XXXX and that I still owed it. I told them I did not receive any bill for this amount in XXXX or XXXX, and it was probably not forwarded from my old address if it was sent at all. There was no apology or offer to resolve the matter. I said I would pay the bill now that it had been explained, but they needed to cancel the collections because it was sent in error since I was told multiple times by their customer service agents that I did not owe the money. They refused to cancel the collections on me, despite repeated requests and the fact that it was their fault, not mine. I have never missed a bill or been sent to collections on anything, and do not deserve to have my credit destroyed because of XXXX 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED ACCOUNTS ON MY CREDIT FILE multiple TIMEs and XXXX  Equifax and XXXX have refuse to complete a investigation in disputing in removing. the inaccurate information from my credit file. I have dispute this information for the last 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Professional Debt Mediation about 2 weeks ago asking them to verify a debt that I allegedly owe that they are reporting on my credit report. They could not provide me with that information and are still reporting the account on my credit report which is effecting me negatively.
Product: Debt collection

On Saturday XX/XX/XXXX at XXXX I received a call from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of XXXX as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified XXXX XXXX as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding XXXX failure to provide the services I have subscribed for for and their lack of resolution to ongoing technical issues. 

For the last XXXX months, I have subscribed to Equifaxs service to access my credit report. However, for the past XXXX months, I have been unable to view my credit report. Each time I log in and attempt to view it, I receive an error message that states : Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). Our call center hours are : XXXXXXXX XXXX to XXXXXXXX XXXX  ( ET ), Monday through Friday, and XXXXXXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

I have taken a screenshot of this error as proof of the issue. I have reached out to Equifax customer service numerous times to report this issue. Each time I call, I am assured that someone from the technical support department will reach out to me within three days. Unfortunately, despite these promises, no one has contacted me, and the issue remains unresolved. 

This situation is extremely frustrating, especially given that I have subscribe to a service that I have been unable to use for months. I am seeking assistance to ensure that Equifax resolves this technical issue Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on XXXX, equifax, XXXX and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.
Product: Mortgage

OnXX/XX/XXXX we submitted a package to process a short sale with Caliber Home Loans via XXXX and the interior valuation was completed the same week. the value came back at {$280000.00} and the servicer ( Caliber ) provided me a copy of it on XX/XX/XXXX.On XX/XX/XXXX we submitted an engineer report along with an explanation letter to have them review the value of the property. they basically used fully renovated properties as comparables for a property that will need a lot of work due to the major issues that require major repairs.we marketed the property on websites such as XXXX, XXXX, XXXX, etc and we were not able to get an offer on the property on the range requested by the investor.After meeting all the investor requirements i received the following message from XXXX XXXX XXXX on XX/XX/XXXX : I would like to take this opportunity to tell you about a change in policy and how this change affects this property. 
As you are aware, all short sales are subject to lender approval. 
This account is no longer eligible for a short sale and we will not approve a loss. 
A full payoff will be required. 
We appreciate how hard you have worked to help our mutual client avoid foreclosure, and do n't want you to spend any more time on a short sale that is not available. 
If a full payoff is not an option, we encourage you to assist the homeowner to agree to a Deed in Lieu, rather than a short sale. 
There is currently {$14000.00} incentive available for the homeowner for a completed Deed in Lieu. Attached is a Deed in Lieu application for the homeowner to complete and return to my attention at calibercares@caliberhomeloans.com or contact us at XXXX to discuss. 
If the homeowner wishes to pursue retentive options to remain in the property, they may contact our SPOC department at XXXX for other alternatives. 
Basically, without any warnings or notifications, the investor decided to denied the short sale option to the home owner unilaterally and we basically wasted more than 2 months complying with everything they asked for. Also, I am checking reviews from other agents and i see that this has become a common practice from this servicer. I truly believe these abusive practices have to be regulated by the federal government to stop this investor from doing more harm to the people that are currently in a hardship situation.