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

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged 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 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Description of what happened : On XX/XX/XXXX, I discovered multiple unauthorized inquiries on my credit report from various companies. These inquiries were not authorized by me, and they are negatively impacting my credit score and overall financial standing. On XX/XX/XXXX, I contacted the credit bureau to dispute these inquiries and formally requested their removal. However, I did not receive any response or resolution. I followed up with additional emails on XX/XX/XXXX, but I still have not been provided with any updates or assistance. 

These unauthorized inquiries need to be addressed promptly to prevent further harm to my creditworthiness. 

Details of the unauthorized inquiries : 1. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 2. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 3. Inquirer : XXXX - Reported on : XX/XX/XXXX 4. Inquirer : XXXX - Reported on : XX/XX/XXXX 5. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 6. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 7. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 8. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 9. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 10. Inquirer : XXXX- Reported on : XX/XX/XXXX 11. Inquirer : XXXX - Reported on : XX/XX/XXXX 12. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 13. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 14. Inquirer : XXXX - Reported on : XX/XX/XXXX 15. Inquirer : XXXX XXXX  - Reported on : XX/XX/XXXX Dates and actions taken : Date of discovery : XX/XX/XXXX Date of initial contact with the credit bureau : XX/XX/XXXX Follow-up action : Sent emails on XX/XX/XXXX Amounts involved : There are no direct financial amounts associated with these inquiries. However, they are negatively affecting my credit score and financial standing, which could impact my ability to obtain credit or favorable terms in the future. 

I kindly request an immediate investigation and the removal of these unauthorized inquiries from my credit report.
Product: Debt collection

XX/XX/XXXX Ditech Financial LLC Amount unknown Has been contacting me for years with " informational purposes only '' letters when my debt was included in my bankruptcy and discharged back in XXXX. I have emailed them two months ago and told them to stop contacting me. I received a new letter today.
Product: Money transfer, virtual currency, or money service

Robinhood Account : XXXX, Since XX/XX/XXXX I have my brokage account restricted with no access to withdraw, sell of buy on the platform. 
I have contacted Robihood and I talked to an agent to respond all the security question and provided evidence that I am the owner of the account. 
Until now my account still locks, I don't have access to my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being notified this week about my personal information being compromised in the Equifax data breach, I was unable to place a credit freeze on my credit report online. Equifax on line system resulted in a " system error XXXX. '' I tried to contact Equifax via phone but the waiting time is 'forever. '
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters requesting the removal of inquiries that were not authorized. The last one being XX/XX/2019 with no luck in have anyone look into this matter. So today XX/XX/2019 I called and the person that claimed to be a Supervisor/Manager refused any help outside of me sending a letter. I advised i had received several emails about my info being compromised in a security breach but they refused any further assistance and was rude. I asked to be transferred and was denied. So of course nothing was done to correct my issue/dispute.
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. 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 Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian dispute finished on XX/XX/2023 did not remove the incorrect information. This is in regards to the XXXX account being furnished on my report incorrectly.. Term length specifically. If it was properly investigated, it should have been removed with the initial dispute. Term length is incorrect showing XXXX months. That is absolutely false and misleading and account must be removed. I just submitted another dispute today the XXXX of XXXX requesting the removal of account.
Product: Vehicle loan or lease

Billed. in November /24 by GMFinancial for {$190.00} Va tax bill on a car I turned in XX/XX/XXXX, I have not lived in Va XXXX since XX/XX/XXXX, but have paid tax in both states. XXXX XXXX sent by GMFin XX/XX/XXXX to enable me to secure SC license plates. Payoff amount requested by GMF and paid off XX/XX/XXXX, credit bureaus reported loan paid in full by GMF XX/XX/XXXX. i then receive a XXXX bill for {$190.00} Va tax on a car I had not owned for 5 months. GMF then reported me to crdit bureaus for missing a car payment which lowered my score. I talked to GMF and sent many supporting dox XXXX XXXX only to receive another bill for {$190.00} and no response to my proof.
Product: Debt collection

Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX, XXXX, requesting proof of the debt, including the original signed credit agreement, full transaction history, and chain of assignment from the original creditor. 
XXXX XXXX failed to provide the legally required documentation to verify this debt within the XXXX timeframe. 
Despite this failure, XXXX, XXXX  to report the account on my credit report, violating FCRA Section 1681s-2, which prohibits the reporting of unverifiable information. 
This is causing financial harm by negatively impacting my credit score and limiting my ability to secure credit.

Regarding a best buy account
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 XXXX XXXX XXXX has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.
Product: Debt collection

In XXXX I opened an account with XXXX XXXX XXXX. In XX/XX/XXXX, I opted to have credit protection placed on my account. I payed on time payments from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, I had a medical emergency, and the doctor took me out of work. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX ( credit protection ) payment included. On XX/XX/XXXX XXXX XXXX XXXX closed my credit protection account, unknown to me.On XX/XX/XXXX the doctor ( medical emergency ) took me out of work. I was unable to make on time payments. XXXX XXXX XXXX charged the account off and sold the account in XX/XX/XXXX. It hits my credit report with negative remarks. I'm still recovering during this process. Recently, I contacted XXXX XXXX XXXX to see what are my options, because now the account in collections and it has damaged my credit. I spoke with an account manager on XX/XX/XXXXand was instructed to call the credit protection ( XXXX claim insurance company ) and file a claim. I called on XXXX XX/XX/XXXX and was told I was not covered for that time period, due to the policy being cancelled on XXXX XX/XX/XXXX. I was instructed to call XXXX XXXX XXXX. I called back and spoke with another account manager, and that account manager verified they closed my credit protection account unbeknown to me. And it was nothing they could do! Currently, this account is sitting on my credit in collections, which is debilitating my credit score! I was NEVER informed they ( XXXX XXXX XXXX ) cancelled my credit protection! I called to file a claim and was denied ; due to the bank cancelling my account ( credit protection ) after a  payment days prior.
Product: Debt collection

XXXX XXXX financial services continued to contact me at my work place after I repeatedly told them to stop calling. They also have contacted my mother, my ex wife which neither are on the loan. They have sent someone to my house that refused to leave until I call XXXX XXXX, that person drove in my yard and ruined my grass because he said he was to old to see at night. This is considered in my opinion harassment, I have had my loan for over 3 years and have never been 30 days late.I am getting headaches and body aches because of the constant pressure that they are applying. I have never experienced this, I have had over 5 car loans, multiple mortgage loans and no company has treated me in this manner. The representatives are very rude!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score into XX/XX/2021 was XXXX. Without any changes to credit activity my score dropped XX/XX/2021 to XXXX. This affected a loan for a car. I needed to have my daughter get the car with me on the loan. At first I was asked to pay 14.5 % interest with my daughter who has an excellent score. I printed the details for company to see what happened. I was lucky to get a better rate yet still had to have my daughter on the loan. With the car loan my credit should build from XXXX not XXXX. 
Also, I had a XXXX credit card was on my credit report then was removed. 
I've tried to resolve this to no avail. 
The purpose of credit in my use is to build my score. 
Why would I use credit if not to build my score? 
Copies of report available if necessary.
Product: Student loan

I currently called XXXX on XX/XX/18 and XX/XX/18, to try and get a forbearance for my loans because I became unemployed and they are absolutely no help. They told me that I only get 2 month increments on my loan for a forbearance and then I have to pay for 9 months in order to get another forbearance. They do not assist their customers in their time of need. I have always paid and just can not make a payment while receiving unemployment, paying rent, food and utilities. I am a single mother with a XXXX year old. Someone needs to look into their lending practices because they are horrible.
Product: Debt collection

My identity was stolen to open accounts in my name fraudulently. I have already disputed this account and it was removed from my file as not being mine but it was reinserted. The account in question is CAPITAL ONE -- -- XXXX I have been the victim of many accounts open in my name fraudulently and apart of a data breach that has exposed my information. The address that are on my credit file is not mine and have never lived : XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit card or prepaid card

A formal complaint against BBT Bank XXXX Account for unauthorized hold last month they withheld a non transaction that was cancelled. For more than 22 days even when XXXX XXXX had provided a code to cancel and a receipt was provided. Next, today I use the XXXX XXXX upon check out the {$15.00} incidentally is returned to the account usually the second day. I went to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the BBT granted their refund for {$100.00} on XXXX/XXXX/XXXX but did n't refund my incidentally fee {$15.00} and they told me after 30 days then a released. BBT Bank practice unfair act toward consumer they hurried up and paid the merchant but did n't take the lift off my account. Who would want wait until they feel like release withholding a misuse there banking privilege against consumer. I would nt recommend this company anymore they have XXXX a cheap call center a $ XXXX to offered poor service to there own customer. Who keep there branch open very little customer maybe they will go out of business and bankruptcy. A horrible XXXX XXXX Account center a unfair practice 30 days to release a XXXX refund is ridiculous.
Product: Credit reporting or other personal consumer reports

I HAVE SENT NOTICE TO YOU ABOUT THESE COMPANIES REPORTING THESE FALSE REPORT WITHOUT VALIDITY OF DEBT OWED TO THEM WITH MY SIGNATURE TO PAY YOU NOT REPSONDED TO MY REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was sent a collection letter from American Coradius International LLC for {$170.00}. Upon research, they provided no proof of charge for the account. There was no consent to this collection at all. They did not provide me with any signature or proof this was on my account. According to the FCRA, The American Coradius International LLC has violated my rights as a consumer. I am requesting legal action to remove my collection account immediately.
Product: Credit reporting or other personal consumer reports

Hello, I have gotten an alert on my credit report and have noticed that your company ran my credit without my consent. You need my written consent to place a hard inquiry on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ) ; meaning you must inform me in writing and get my explicit permission before pulling my credit history. 

This needs to be deleted. My credit was ran XXXX  times on XXXX and on my XXXX. This is highly alarming and needs to be removed!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

13 payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since Fifth Third Bank, XXXX XXXX and XXXX Bank Loan Originators stated, " XXXX Nationstar  Mr. Cooper needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " Paid. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? Lawsuit?? Media? You tell me as one of many consumers I am finding out that have gone through this same issue, XXXX Nationstar Mr. Cooper not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a HUGE issue, problem that continues ... 

I thought your company Motto was to help and support all veterans. I have other coworkers that are having the same issue with XXXX, not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The I C SYSTEM INC ( Original Creditor Name 11 XXXX ) Opened XX/XX/2019 was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the company. 

I have tried to contact this company. I have never had any account with this company.
Product: Mortgage

This was part of an XX/XX/XXXX " Zombie '' loan I took out over 12 years ago. I completed a Loan Modification and was not aware this loan was never paid off. The XXXX XXXX  HELOC loan sat dormant and never appeared on my credit for me to know I still owed it and had to pay. 
Last XXXX I was told that my home was going to be foreclosed upon. I've since been trying to negotiate with the lender ( SLS ) to remove or reduce the original principle of {$94000.00} but they now are threatening to sell my home if I don't pay {$150000.00} by XX/XX/XXXX.