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

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was in charge off status on my report from XXXX  and XXXX  I disputed the account and it was removed from XXXX but not XXXX. In XXXX of 2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX  account showing open and current! I have not And will not ever paid on this account as my XXXX  ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my abuser! However if you look at the history of the account you will see it should not be reported as open and current!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 a dispute was made about fraud activity on my credit report, I sent over all supporting documents showing proof that this was not my information, I've tried several times after that on the following dates XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 I also sent over letters asking them along with the collection company to please remove this account from my credit report. I'm still to this day is sending over police reports and affidavits proving this doesn't belong to me. I have asked XXXX  to please remove the fraud account from my report but still I have no luck.
Product: Credit reporting

I used free credit report to obtain a credit report and I needed scores from all XXXX companies. In attempting to obtain those scores each company had confusing or hidden charges. I thought I was paying {$39.00} for the report with all XXXX scores. Instead I was charged {$1.00} by XXXX then {$7.00} by Equifax and an additional {$39.00} by XXXX all on the same day, XXXX XXXX, 2015. Then XXXX charged me {$21.00} 7 days later, XXXX XXXX, 2015 for a credit tracker they said I agreed to. 
My Husband also needed a credit report with scores and we were charged {$4.00} by XXXX and then an additional {$39.00} again all on the same day, XXXX XXXX XXXX called XXXX 4 days after the additional charge of {$21.00} and was told that I could cancel the credit tracker as of that day but they would not refund any of the charges. I asked them to check the accounts by way of the credit card number charged and they acknowledge the account for myself and my husband and told me they would cancel the credit tracker for both of us ( but no refund for the extra charges ). 
Then on XXXX XXXX, 2015 they charged us an additional {$19.00}! That brings the total paid to {$130.00} for a " Free '' credit report. I acknowledge that I had to pay for the scores but {$130.00}!? 
I work in the mortgage industry and I am concerned with what happens to clients if they go to " Free '' XXXX. I am familiar with the industry and its terms and I was taken by the XXXX. What is happening with the regular consumer? If I had pulled a credit report with scores through the company I use for my clients it would have cost a grand total of {$18.00}. 
I am required to clearly and openly disclose why is XXXX and Equifax exempt from the same requirement and allowed to charge any amount with impunity?
Product: Mortgage

From XX/XX/XXXX we were unable to pay mortgage payments due to a severe injury to my leg. I lost my job as a XXXX because I was temporarily XXXX and in a XXXX. I applied for COVID-19 relief due to my severe illness. In XXXX XXXX I was able to become fully employed again after being out of work since XXXX XXXX because of my injuries and subsequent illnesses. 
Started working on a loan modification with PHH Mortgage in XX/XX/XXXX. They have made this process impossible due to lack of access to people that are able to help with this process. PHH claims every time you call that you didnt send paperwork ( all paperwork was sent via email, we have these ), didnt fill out a small detail, ( this had been given on previous occasions ), it wasnt there on time ( when it was sent the day it was requested ), now they claim I dont occupy the house, ( have lived in this home for 20 years and is my primary residence ). This company has no intention on fixing this situation when we have the income now and the means to easily stay in this home. 
They want to foreclose on this home and will not communicate any terms or modifications with us so we can resolve this problem for over 8 months. They send a letter with a request for more paperwork and it arrives so long after the fact that they tell us we have to start all over. Even when we have sent the information and called them to update any needs. All calls are answered in XXXX with severe language barriers and no one knows what is happening because it is never the same individual, they just tell you to call back in a week and they have done nothing. 
We owed {$180000.00} on this home when this started. We have no access to any records on this home now as they have removed all access to our loan. 
This company is the most fraudulent company I have ever dealt with in my lifetime. They have been sued over and over again for these practices and no one will help homeowners!!! This company does not deserve to be in business, they are hurt so many people that are unable to fight for themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, GLOBAL LENDING SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
Product: Credit reporting or other personal consumer reports

I have 2 vehicles from XXXX XXXX XXXX XXXX both leases ended XXXX XXXX-which I extended as due to Pandemic, 1. XXXX had inventory issues ; most dealers had long waits for electric/hybrids 2. I am an ID physician/ front line worker and I had less time to deal with dealers In 2023 XXXX, further lease extensions stopped, and TFS asked me to hand in the vehicle. 
Several issues caused confusion. 
XXXX. My automatic payments were recalculated and no longer possible through website XXXX 2. Despite me making several attempts and payments over the phone, I could not keep track of which vehicle payment was made and which was not- ( 2 monthly payments for two cars ) 3. I asked XXXX for support, made phone payments, and tried to set up automated payments from the Online TFS account, but each attempt got canceled. 
4. The verification process from XXXX required written letters and signatures, which hampered the process- 5. These automated payments were canceled without my knowledge- I am still unsure if this was because of issues with account verification or if this was a new lease-end policy that auto-payments could not be set up online. 
6. XXXX XXXX account is glitchy and it is tough to tell which account I am working on /Billing statements digitally do not appear ( digital PNG file attached ) Late Payment/Credit Bureau report- XXXX XX/XX/2023, I found out that despite my regular payments and attempts to pay at XXXX, one of my two costs did not get paid, and I was charged a late fee and I was reported to the Credit Bureau. 
This was odd 1. Had made regular payments to XXXX through XXXX online account and got confirmation emails I paid -however, one of the two accounts or both stopped payment without notification as the paper-signed contract was not in.

2. I was constantly talking with XXXX  and making payments on one of two vehicles but billing was erratic through TFS
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I filed a claim with my auto insurance company for damages to my car. I got the work done on the car and paid for it with the insurance money back in XX/XX/XXXX. XX/XX/XXXX they returned the check saying it wasnt properly endorsed. A whole year and a half later without warning. The check was for {$3500.00} which overdrew my account and absorbed my pay roll check. Leaving me with no money. Ive called usaa over ten times and talked to countless reps. They have hung up on me everytime. No one can answer my questions there just leaving me to wait or hope that I just stop calling. Usaa managers have promised to call me back and refuse To call me or take my calls. Ive been with usaa 8 Years and in the service for 8. I  thought usaa was for the soldiers/members. With the check being over a year old they should have contacted me so that I could have set my finances up not take a lump sum garnish me. Also they froze my brokerage account and wont allow me to transfer funds out.
Product: Mortgage

Bank of America Sent a package of documents about FHA Loan : 1. Original FHA-Insured BoA Loan # : XXXX ( XXXX ) 2. Address : XXXX, Maryland XXXX 3. This loan was a 15-year fixed issued on XX/XX/XXXX ( XX/XX/XXXX ) 4. BoA affected a FHA-HAMP modification and altered the term to 32-years 5. BoA has not explained how a 15-year fixed is now a 32-year fixed loan which has been sold to XXXX as of XXXX XX/XX/XXXX. 
Please require BoA to explain and fix the error so that we do not have to resort to litigation. 
Thank you
Product: Credit reporting or other personal consumer reports

Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' Experian makes it difficult to get my credit report and impossible to get my credit report online.
Product: Mortgage

I received a letter from my county tax dept. that my taxes were pass due. My mortgage isnt paid off so my taxes should be paid by the mortgage company. I called the mortgage company and it can take them XXXX weeks to research. I have incurred a late fee on top of my county taxes not being paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} AD XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax is Reporting False Information on my Consumer Reports Debt collectors are reporting on my Consumer Report I have asked for Validation from All Debt CollectorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are Submitting letters by Mail stating I owe an Alleged Debt with there Office I asked for Validation with No Response. But a letter stating I owe this Amount.No Contract. No Payment History I have No Knowledge of these Alleged Debts.with these Debt Collector. I filed a Theft Report. With the FTC. For Identity Theft. I do not know of these Companies
Product: Debt collection

VALIDATION AND CEASE AND DESIST National Debt Holdings Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear National Debt Holdings, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

An account has been opened and used without my authorization. 

This negative account is still being reported on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, Transunion, and XXXX explaining that the XXXX XXXX XXXX XXXX was a fraudulent account. I sent them an FTC report and a police report. 

All three credit bureaus have failed to uphold the law. The law is very clear and it states the furnisher must block a fraudulent account within 4 business days and notify all creditors
Product: Debt collection

Received a satisfaction of Judgement dated XX/XX/XXXX. They continued to garnish my pay until XX/XX/XXXX. When I contacted the company to be reimbursed I was told they needed time to update their files and s check was mailed to me on XX/XX/XXXX. As of today XX/XX/XXXX I  have yet to receive it. When I call I never get a straight answer. They even went so far as to tell me to check my bank accounts to see if it is there. They never had my bank info so that is another lie. The name of this agency is Portfolio Recovery Assoc XXXX XXXX XXXX XXXX XXXX Va XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX in order to get this debt they are claiming I owed, validated. XXXX XXXX sent me back a letter simply stating that " the debt had been validated '' however none of the previously requested information was sent to me, copies of original bills/statements, payment history and reporting dates, method of verification, bonding agent info, and no wet ink signature from their company 's representative. Additionally the statement they sent me to " validate '' the debt had specific, detailed medical procedures which is obviously against the law and not in accordance with HIPAA privacy laws. On XX/XX/XXXX, I requested that they send me the original detailed bill from the creditor, signed HIPAA notices, contract between Regional recovery and the creditor, and anything that I signed releasing my medical information to them- to which they have still not complied.
Product: Credit card

I've consistently made sure payments are on time for this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX  cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Debt collection

I have accounts with money lion I have a savings on a towards a credit builder program I also borrowed money tired to pay on my account but my debit card is lost and have to input the new one in their system tired to use another card but the system would not accept a new card causing the account to be past due I was never notified I would be charged off nor a letter nor any notification they locked me out from changing the card on record therefore causing the loan to default due to this technical error
Product: Credit reporting, credit repair services, or other personal consumer reports

please help me resolve these issues I have with the credit bureaus
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

JXXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.
Product: Debt collection

XX/XX/2022, notified Regional Finance Company by mail with return receipt requested # XXXX. Debt was remedied by a XXXX and all documents were Notarized. I also sent a Conditional Acceptance Letter Value for proof of claim, a Letter to the Creditor, and a Remittance letter. After repeated calls harassing me for another payment I forwarded it to the Corporate Office CEO and added Cease and Desist letter informing the debtor that I was aware of the debt being " Paid from my XXXX XXXX Trust '' while I paid it again with a XXXX which was also included in in the documents. I am receiving phone calls daily repeatedly and mail requesting payment approximately once a week. This is harassing.
Product: Credit reporting

Hello, I am filing this complaint against Experian credit credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the XXXX accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.