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

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX  negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Mortgage

My closing dates have been changed twice once on  XXXX   XXXX    XXXX   and  one  today costing me  XXXX  $ each time because of documents they did n't find they are dogging this possess to make money I think I 've been running all over to try to move it along faster to no avail.Please help me in at with end they had me close all my credit card acconuts approximately 40 days ago and stop all reaccuring payments so they could get pay off amounts! Now I 've been late with some payments because of this! Call me or email me  XXXX  XXXX  XXXX  or  XXXX   XXXX    XXXX    XXXX  thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. XXXX and XXXX have removed this account due to them not being able to verify this account. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Please see the True bill attached for FCRA violations.
Product: Credit card

US Bank 's XXXX XXXX Credit Card had as their featured benefit, a second award night free as their main marketing tool. After paying the XXXX Annual Fee they suddenly cancelled that benefit effective XXXX/XXXX/15. How can they collect an Annual Fee and then change the main benefit, US Bank thinks they can change the rules after the fact. When I called in and complained, they said there was nothing they could do about it.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXXXXXX XXXX brand new on XX/XX/2020 at XXXX XXXXXXXX in XXXX, Texas. Which has now been renamed and brought out by XXXX now. The truck was {$37000.00} the total of everything was {$42000.00}. We paid a total of {$4000.00} down. 

We, are exercising our right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as WE was never told WE had 3 days to rescind the transaction nor was WE given the notices that come along with all consumer credit transactions. We are rescinding the transaction, and rescinding my signature endorsement ; Furthermore, you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also named has failed to clearly & conspicuously disclose my right to rescind ; We, participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company SYNCB/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$810.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is is a follow up complaint to the recent CFPB Complaint I previously submitted to Equifax Credit Bureau requesting the deletion of the unauthorized inquiry. The inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2023 is not affiliated with me, and I have not received any money, goods, or services as a result of this unauthorized inquiry. Neither have I authorized these inquiry. I demand that this be immediately removed from any affiliation with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a complaint to all 3 credit bureaus on XX/XX/2020 about the inaccurate and incomplete of my accounts that need to be delete. one of the three in this case XXXX did corrected the mistake by deleting the incomplete account. XXXX and TRANSUNION did not, i am still sending them and proving to them about the inaccurate accounts that they are reporting but keep giving me the same response that they have verify but i don't understand what they have verify if i am sending proof that the information that they are reporting is incomplete. please help since they are not taking me serious.
Product: Credit reporting or other personal consumer reports

Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 1 ) The original creditor XXXX XXXX violated this law. My information was shared without my consent. Also XXXX XXXX is currently in violation because they have been reporting to two third parties. Experian and XXXX. Without my knowledge and consent.

As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

I havent received an initial notice by mail or electronically from this company. This is my second complaint to this company.

15 Usc & 1692 C does state 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 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Experian and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses. The only thing that should be on my report are criminal convictions. These are violations of the FCRA. Also the account from XXXX XXXX XXXX XXXX XXXX on my reports is another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before. I am opting out their reporting services.
Product: Student loan

Mohela is my loan service provider after being transferred from XXXX  this past summer. I am in the XXXX program and have been diligently filing my employment certifications since XX/XX/. After lengthy delays and no communication from Mohela, waiting on hold for hours or attempting to access the chat feature that pops up randomly and with no logical pattern, and speaking to multiple different reps on chat or via phone yet getting no consistent or clear information, I am now at XXXX payments and thus qualify for forgiveness. What is even more upsetting, aside from the difficulties mentioned above, is that Mohela can provide no clear or logical process about when I can expect loan forgiveness, whether I need to do anything more, or whether they have even processed my account to be marked for forgiveness. It feels as though they are doing what they can to delay this as much as possible. While i can only speculate, i suspect it COULD be due to wanting to keep things pending so folks end up having to make payments once the pause is over - regardless of whether they are eligible for forgiveness or not. I was told, during my last call, that i do not need to do anything further now that Ive met the payment threshold of XXXX, but my fear is this might not be true and somehow, because of that, my forgiveness will be delayed or somehow skipped over because of missing information from me. I know Im not alone in my frustration and concerns. Filing a complaint against this company feels like the only thing within my power that I can do, so here I am. I do understand they have been inundated since the changes to the program have been implemented and they have had high turn over and are short staffed. I have empathy there. But if they are hiring and training people all the time, what I cant understand is why there is such broad inconsistency in what the reps say. Further, why isnt there a transparent and clear process about how XXXX works?
Product: Credit reporting or other personal consumer reports

I have opted out from this company 's reporting my non public information. 
Name of Account : XXXX XXXX XXXX Number : XXXX Status : Opted Out CFPB complaint number : XXXX to XXXX XXXX XXXX The attached letter was sent via certified mail to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Written off on my credit report. Never received a 1099c. I need a 1099c since you have written it off on your taxes but its still showing up on mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

I was advised by Mercury Financial they they will start charging me a {$2.00} fee per month to continue to mail me my monthly statement. This is ridiculous. I already pay an enormous amount of interest. They should not be allowed to charge me to continue to send me my bill in the same manner in which I agreed to receive it from application. This gouging is getting out of control and something needs to be done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX
Product: Debt collection

Kindly make necessary changes to my name, expunge any linked names, and update my business address to XXXX XXXX XXXX. Please eliminate all previous employment details, and expunge past addresses as well. Additionally, ensure that my current address, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, is the only one listed. I request that the credit bureau eliminate any names and accounts connected to XXXX XXXX. It is important to note that various laws emphasize the obligation of credit reporting agencies to maintain accurate and truthful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I discovered General Revenue Corporation had been re-inserted into my credit file for XXXX, XXXX, and XXXX after being disputed and removed in XXXX. Under the FCRA, I should have been notified of any reinsertion and to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did NOT receive any such notification. Also, they have continuously increased and decreased the amount of debt. Which has caused great damage to my credit score and has changed the ORIGINAL date of first reporting date. Please delete this item immediately as to am now seeking legal counseling to pursue further actions. This has been an ongoing issue and they have proven to be deceptive and continuously violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking
according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Debt collection

Good Day, Upon Checking My XXXX XXXX XXXX XXXX in XXXX, I realized that I had a " Collection '' from a Company by the Name of : Transworld Systems Inc. who apparently has " Several '' XXXX XXXX XXXX and or Addresses as I have seen over this time period via XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Addresses for this Company is/are as follows : XXXX XXXX XXXX XXXX XXXX PA XXXX And : XXXX XXXX XXXX, XXXX DE XXXX XXXX And : XXXX XXXX XXXX XXXX DE XXXX And Whose Contact Number ( XXXX ) is/are as Stated on My Credit Reports is XXXX XXXX all XXXX  XXXX  Credit Bureaus XXXX This XXXX XXXX Transworld Systems Inc., a Company that I have No Contractual Obligation to, listed, with varying Account Numbers, along with My name, the following account as being owed to them as a Debt/Collection : RE : COLLECTIONS ACCOUNT # XXXX ( Partial Account # ) Which is illegal as per FCRA {$360.00} Past Due I then proceeded to Send Various Correspondences to this Company via the varying Address ( s ) that they have provided via each pull of My credit reports, seeking Validation, Proof of Ownership and Written Proof of Contractual Obligation to them . 

The First Certified Letter of Dispute and Validation was Sent on XX/XX/year> and I received proof of signed receipt by an Agent of said Company. I received NO Response as per My request. 

I followed up with Two More Requests Dated, Respectively on XX/XX/year> and Finally on XX/XX/year> requesting validation as per FCRA law and I have still to receive a response from this Collection Company and this Derogatory still remains of My Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the Jet Blue credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting XXXX % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.