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

I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights. 

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 Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XX/XX/XXXX, I applied for financing a vehicle and today my credit report is showing 3 new hard inquiries from yesterday : One from XXXX XXXX auto finance and 2 from CREDCO. Clearly the car agency run my credit twice in a row with Credco by mistake and now it's showing one extra hard inquiry on my credit report.
Product: Debt collection

I am writing to express my serious concerns regarding a matter of identity theft and its impact on my credit report, specifically in relation to the debt collection activities associated with this unauthorized account. This charge was added recently as a collection account and when Credit Management was contacted they stated they didn't see this account showing under my correct ssn, dob, and address. 

Upon discovering discrepancies on my credit report, I initiated the dispute process and provided all necessary documentation to support my claim. Regrettably, the resolution of this matter seems to have stalled, particularly with respect to the debt collection agencys actions. 

I wish to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to fair treatment and prompt resolution of disputes. The delay in addressing this issue not only impacts my financial standing but also raises questions about compliance with applicable laws.

I believe there may be a violation of credit laws in the debt collection process related to my case. I request an immediate and thorough investigation into this matter, ensuring adherence to all relevant laws and regulations. Additionally, I would appreciate timely updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Product: Debt collection

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Product: Debt collection

The other credit bureaus have been able to recognize and act upon the fraudulent nature of these accounts, and I expect Experian to follow suit by promptly removing them from my credit report. The continued reporting of these fraudulent accounts is adversely affecting my creditworthiness and causing significant distress. I insist that Experian complies with the law and promptly removes the fraudulent accounts from my credit report. I am a victim of identity theft, and it is disheartening that Experian has not complied with the law and continues to report these fraudulent accounts. It is perplexing that these accounts persist without valid verification, especially when other credit reporting bureaus have successfully removed them in accordance with the Fair Credit Reporting Act. 

XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX  XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX - PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! XXXX have already removed this account from their records. 

XXXX XXXX XXXX, PLEASE DELETE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XX/XX/1983 phone number XXXX home address XXXX XXXX XXXX XXXX Unit A XXXX XXXX CA XXXX email address XXXX or XXXX or XXXX last of my SSN XXXX so I have been having this issue for years now I have called before to the credit bureau to try to get all of the inquiries off my report because it wasn't me I have dispute over and over and it's still showing in my credit report I still live with my parents home I have lived at the same location for years I don't play rent I don't have a car never had one I don't have any credit cards or a bank account only a prepaid account I would like to be able to move out of my parents home and be able to get my own place but it has been different because I have no credit or should I say bed credit low credit score this has been a problem for me not be able to get any loans or anything I have report id theft because someone has been using my information this why I have filled a police report online I have every proof I do believe I know the person who has been using my information with out authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my 1st complaint/investigation. 

I placed in my 1st complaint in XXXX of XXXX my XXXX complaint in XXXX of XXXX  and are in XXXX oXXXX XXXX and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed freeze or locked on my credit report at Trans union to safeguard me any creditor to do inquiries without my permission. But unfortunately there is one creditor called XXXX based in XXXX, Ohio on XXXX XXXX went on and performed inquiries while my credit reports at Trans union was locked and I didn't unlocked it for them. So I call Trans union on XX/XX/2022 and spoke to XXXX of their representatives including their manager XXXX. According to them, the time XXXX were inquiries about my credit reports, there was indeed my credit report was freeze or locked up till today. So I asked Trans union how come Trans union allowed this XXXX to breach and did inquiries, their answer they can not understand. After hour long on the phone with Trans union, they intentionally hang up phone on my ears. I told them due to this security breach youTrans union drop my credit score with XXXX points. They have nothing to explain further but rudely keep hanging up phone on my ears. My complaint to Trans union was once a consumer locked his or her credit report, and he doesn't unlocked it, your company safeguard you from other creditors to inquired but they kept changing their company 's policy of freeze accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries on my credit report. My social security number was use for personal gain. 

According to the FCRA { Fair Credit Reporting Act }, legally these unverified and unauthorized item Must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021
Product: Debt collection

I sent Cavalry a Validation / verifying letter to Validate a debt they say I owe. I ask Cavalry questions about this debt. Cavalry received this letter on XX/XX/19 via USPS Priority Mail. I sent this letter under section 809 of the Fair Debt Collection Practice Act on validating / verifying debt. Cavalry under section 809 of the FDCPA should cease collection activity for 30 days or until they have sent me information validating this debt. Cavalry fail to do so by sending me a letter dated XX/XX/19 without any information verifying this debt is mine. In addition, continued to attempt to collect on this debt. That is clearly violation of my consumer rights under the FDCPA. They have place this debt on my credit report without Permissible purpose under 604 under the FCRA. I have not given Cavalry permission to invade my credit report and use my credit report as a tool to collect on a debt they can not prove that I owe. Cavalry XXXX XXXX XXXX XXXX, NY XXXX. Thank you in Advance.
Product: Money transfer, virtual currency, or money service

i stayed at a hotel and they held XXXX dollars for hold authorization the hotel said they released the funds and cash app says they domt know anything about the money and I have never received it back
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$4400.00} / XX/XX/2022
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 XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to follow up on three previous complaints I have filed against Experian and XXXX regarding their failure to provide details of their method of verification of disputed public record items on my existing credit reports. 

Despite my repeated requests, both Experian and XXXX have refused to disclose the specific details of their verification process for disputed items on my credit reports. These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to request verification of items on their credit reports and mandates that credit reporting agencies disclose the specific method used to verify disputed items upon request. Both Experian and XXXX simply respond that they use XXXX parties, refusing to disclose the source which is sharing my personal and private information. 

I have requested Experian and XXXX to provide details of their method of verification for these items on three separate occasions, but they have consistently refused to do so.

This refusal to comply with my lawful requests is a clear violation of the FCRA and denies me my rights as a consumer to ensure the accuracy and completeness of my credit reports. Without knowing the specific details of the verification process, I am unable to effectively dispute any inaccuracies or errors in the information reported by Experian and XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against Experian and XXXX for their failure to comply with the FCRA. Additionally, I request that Experian and XXXX be required to provide the details of their method of verification for the disputed items on my credit reports, as mandated by law. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights of consumers under the FCRA. 

The previous complaint numbers are as follows : XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 The CFPB 's primary responsibility is to protect consumers in the financial marketplace by promoting fairness, transparency, and accountability among financial institutions and service providers. Merely allowing a credit reporting agency to give a simple response to complex complaint and closing said complaint is not doing that. I ask that the CFPB enforce 15 U.S.C. 1601 in full.
Product: Credit reporting or other personal consumer reports

Creditor is reporting an account that is closed for over 7 years and added back old account due to institution name change. 

BANK ORGINAL NAME : ALASKAUSA REBANDED NAME : GLOBAL XXXXCU XXXX
Product: Mortgage

XXXX XXXX and CROSS COUNTRY MORTGAGE are complicit in another fraudulent mortgage lending error. 

I was never provided anything close to a HUD-1 document at my closing. 

There has been absolutely no communication from this lender or XXXX XXXX  office. 

They are in serious violation of regulation set in place specifically designed by the CFPB. 

Please reprimand this felonious activity immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. Upon reviewing and checking my report I found out that the previously disputed items still appeared on my credit report as a inaccurate. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the XXXX credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Owed : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : $ XXXX late open
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that I do not recognize for a vehicle that I do not own.
Product: Mortgage

my mortgage went into mediation ( foeclosure ) through the court and was deemed to give a loan modification. The bank, Ditech, still has not given me one. It was due XXXX XXXX. that was pushed to XXXX XXXX, and here is, XXXX XXXX, still no loan modification. Ditech still blows up my phone, but what, wont contact my lawyer? I do n't respond to these phone calls. Ditech also tried bypassing my lawyer by sending me a false loan modification without my lawyer viewing it first. Plus back escrow $ $ are still incorrect.
Product: Mortgage

Our mortgage company, Loan Depot, sent us an updated escrow analysis with overinflated tax numbers. This has caused our mortgage payment to go up significantly. Theyre collecting twice the tax amount although weve continually told them that isnt correct and there seems to be no way for us to get that money back. Theyve failed to adjust to the correct amounts even though weve provided documentation on several occasions showing correct amounts. This has been going on for 2 months now. Whenever we call were pushed off and told it will take a few more weeks to analyze. Weve continually gotten a runaround from Loan Depot. Weve continuously asked for clarification and have gotten bounced back and forth between departments. All of this is on top of the fact that although we have a fixed rate that is 2 % lower than our previous mortgage company, our school and local taxes have not gone up, and we have no PMI since our refinance, our monthly mortgage payment is all of a sudden more than the original mortgage payment.
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Debt collection

this is not my medical debt never had services with XXXX XXXX
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. 
Account name : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.