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

Equifax is declining the request to block information for XXXX XXXX  survivors. XXXX XXXX XXXX is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and XXXX is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

Block information requested by the survivors on their consumer reports submitted and authorized by " Agape Advocate Consulting '' within the allotted time of 4 business days pursuant to the DBRA and FCRA 605C.

First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Product: Debt collection

Heartland Resolution Group has caused me stress, abuse and injury. I do not know Heartland Resolution Group. Heartland Resolution Group has stolen my identity. I have not given Heartland Resolution Group any form of written instruction nor verbal instruction to accept, furnish or report any information on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
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 Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  billed me {$1500.00} on XX/XX/XXXX and {$240.00} on XX/XX/XXXX. 
On both dates I had Medicaid, I contacted them and the collection company ARS. I sent them both a 1095b showing coverage from Medicaid. I asked for it to be removed immediately because it is affecting my credit score and keeping me from renting a home. 
Medicaid has reached out to them asked them to submit a claim to be paid and they have not.
Product: Mortgage

I had a mortgage with Home Point Financial Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. The mortgage has been sold to XXXXXXXX XXXX I recently received notification from XXXXXXXX XXXX that they billing me for lender placed insurance passed on from Home Point. I do not escrow and have proof of insurance throughout the length of my mortgage. I have no record of the insurance and no documentation of the insurance policy, nor does the previous lender. This insurance was placed without my knowledge. I provided proof of insurance and was told that they would not initiate the lender placed insurance in XXXX of XXXX This charge just recently showed up with my new lender who is unable to assist.
Product: Mortgage

Last XX/XX/2018, my Mortgage Co., Mr . Cooper, lost my check. I realized that my payment had not been put through my account by late XXXX. Since I had never been late on a Mortgage Payment, I called the company, Mr. Cooper, and spoke to someone at Mr. Cooper.A lady told me to give them a week to see if they had found the check..When the week was up and they had not processed the check, I called again ... She told me to do a check over the phone, which I did. The very next day, the original check showed up and Mr. Cooper put it through my account which caused my account to be overdrawn, I did a stop payment on the check but was charged {$35.00} for being overdrawn by my bank, and a {$30.00} fee for a stop payment of the check written in XX/XX/2018. So guess what, this XXXX Mr. Cooper lost my check again ... I again did an over the phone payment. ( My payment is due on the XXXX of the month ) Then last Friday, XX/XX/XXXX, the check for the XX/XX/XXXX was put through my account, again overdrawing my account. I had to borrow money to cover this check. Mr. Cooper wants to automatically withdraw funds from my bank ... I don't trust them. This year the lady should have put a note on the account in case the check showed up ... I guess they didn't.
Product: Debt collection

Contact Callers keeps harassing me via phone over a debt placed by XXXX  XXXX. The account begins # XXXX and is for a electric bill in the amount of {$440.00} that they state is now {$600.00}. Ive asked both XXXX and the debt collector for a debt validation letter to be mailed to me for months and have yet to receive anything. I have and continue to receive harassing phone calls daily. I have Never lived at the address in file with XXXX  XXXX and can show proof with my current lease that I was in the same location from XX/XX/2017 to Present.
Product: Debt collection

I settled this account ( OLLO/ally/XXXX   ) account number XXXX ; with resurgence capital services in full for {$960.00} on XX/XX/year>. This has not been updated to the credit reporting agencies correctly and stating I owe a balance of {$590.00}. This account was settled and full in XXXX payments of {$320.00} and {$640.00} totaling {$960.00}. Please see attached documentation showing bank statements with payment to resurgent and settlement pay off letter
Product: Checking or savings account

I have a {$2500.00} charge ony is bank account on XX/XX/2022 I recently noticed The bank refuses to help me dispute or refund my money after being a long tem customer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX  notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )
Product: Credit reporting or other personal consumer reports

I've been XXXX  with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15USC 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 7 years 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 am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. regarding serious discrepancies in the reporting of my account ( Account XXXX : XXXX ) to the credit bureaus. This complaint is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), Gramm-Leach-Bliley Act ( GLBA ), and other relevant laws. 

**Discrepancies in Violation of FDCPA : ** 1. **15 U.S.Code 1692b ( 1 ) : ** Request for clarification on the charge-off date discrepancy mentioned in XXXX  's response. 
2. **15 U.S.Code 1692e ( 10 ) : ** Discrepancies in the reporting of charge-off date violate the prohibition against false or misleading representations.

**Dispute Handling and Reporting Violations : ** 3. **15 U.S.Code 1681i ( 7 ) : ** Request for specific details regarding the information provided to credit bureaus during disputes.

4. **15 U.S.Code 1681s-2 ( 7 ) ( A ) ( i ) : ** Violation of the duty to investigate and correct inaccurate information.

5. **15 U.S.Code 1681s-2 ( 7 ) ( E ) : ** Failure to provide a comprehensive response to disputes within a reasonable timeframe. 

**TILA Violations : ** 6. **15 U.S.Code 1635 ( f ) : ** Request for documentation regarding the terms and conditions of the debt in accordance with TILA.

**FCRA Violations : ** 7. **15 U.S.Code 1681e ( a ) : ** Failure to provide accurate information to credit reporting agencies.

8. **15 U.S.Code 1681g : ** Request for a detailed breakdown of the debt, including charges, fees, and interest.

9. **15 U.S.Code 1681i ( a ) ( 1 ) : ** Violation of the duty to conduct a reasonable investigation into disputed information.

10. **15 U.S.Code 1681n ( a ) ( 1 ) ( A ) : ** Willful noncompliance with FCRA reporting obligations. 

**ECOA Violations : ** 11. **15 U.S.Code 1691 : ** Seeking an investigation into any discriminatory practices related to the handling of my account.

**GLBA Violations : ** 12. **15 U.S. Code 6801 : ** Seeking clarification on the sharing of nonpublic personal information.

**General Violations : ** 13. **28 U.S. Code 3002 ( 1 ) ( B ) : ** Ensuring that the entities involved comply with applicable laws.

14. **31 U.S. Code 3718 : ** Compliance with debt collection laws and regulations.

15. **16 C.F.R. 433.1 ( b ) : ** Compliance with the Cooling-Off Rule.

16. **12 C.F.R. 1026.13 ( d ) ( 1 ) : ** Request for clarity on any potential violations of the Mortgage Servicing Rule.

This formal complaint is a request for a thorough investigation into the mentioned discrepancies and violations. I kindly request your assistance in rectifying these issues and ensuring that the entities involved comply with federal laws and regulations. Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income.

Income can not be reported per the IRS publication.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Upgrade Inc . 
XXXX XXXX XXXX XXXX Floor XXXX XXXX, CA XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX XXXX XXXX ) credit report and noticed some late payments posted on my credit report. 
Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection 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 report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, TransUnion and XXXX all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

I filed a claim about SunTrust forcing me to pay a home inspection fee to have my PMI dropped even though my balance to original value had reached 78 %. They ignored this and forced me to pay {$450.00}. CPFB became involved and resolved issue and {$450.00} was returned. 
HOWEVER after thinking the problem had been resolved I received another letter dated XX/XX/19 stating that a {$450.00} appraisal fee was assessed and charged to my account. I was stunned, frustrated and at this point lost all faith in SunTrust and its ability to manage my loan without errors. I called The Executive Services Dept. The dept. that sent me the original letter dated XX/XX/19 saying the issue would be resolved and funds returned to me. I spoke with a man named XXXX XXXX who promised to get back to me to resolve this new issue. He NEVER bothered to return my call. 
I expected the new mortgage payment to reflect the removal of {$58.00} PMI amount. That occured for one month and then the payment went up higher than it had been while I was still paying PMI. I was told something vage about 'projections ' as well as an escrow shortage of {$450.00}. They have been aware of the change of insurance carriers for 3 weeks now which will result in a lower insurance rate by {$160.00} per year or {$13.00} per month. ( I have heard nothing from them ) AT THIS POINT I do not trust the lender to be providing me with an accurate accounting of what I actually owe monthly. Trying to resolve this myself when my calls are not returned leaves me no alternative but to contact CFPB again about SunTrust. I am a XXXX senior living on a fixed income, so significant increases and alleged monies owed with no solid or specific explanation much less this continued {$450.00} problem and being ignored have all caused me no small amount of frustration and concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX on XX/XX/2018, regarding a debit with the original date of XX/XX/XXXX, account number XXXX, the debit is not properly verified as belonging to me, please verify the debit with my signature or remove from my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation.

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX Account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 ) ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) 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

I have a credit card with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.