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

Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Over the past week, customers of Loancare have been unable to access their accounts and make payments due to a recent cyber attack. The servicer failed to notify customers of this breach and instead just shut the site down without warning. My current payment is now due today and even though their site is " back up '' ... my current monthly payment won't submit. Unable to get them to answer the phone when calling customer service and it doesn't even give the option to be placed on hold. The servicer also removed the ability to pay ahead on Principal and Escrow amounts from their site. 

How can we hold this servicer liable for failure to notify their customers of a security breach in a timely manner, so we can take the appropriate steps to secure our identities and credit? I, as well as many others, had to learn of the data breach from XXXX of all places. This servicer is very unprofessional and needs to be held accountable for their actions.
Product: Debt collection

I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.
Product: Mortgage

I am showing up on my ex-wife 's mortgage that she got after we were divorced on the property that we once we're purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however I am showing up on my ex-wife 's mortgage that she got after we were divorced on a property that we once were purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however my looking at my records she refinanced it in XX/XX/XXXX we have been divorced since XX/XX/XXXX this is really affecting my credit scores my debt to income ratio and causing problems for me to not be able to get a home loan for myself
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries reporting to my credit profile that are preventing me from opening new credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are also reporting my name misspelled. They have it reported as XXXX XXXX XXXX and XXXX XXXX. My name is spelled XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX Appears on my TransUnion and XXXX reports however XXXX removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( Transunion & XXXX ) to delete the entry. 

Thank you. 

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

I XXXX XXXX XXXX indicates that XXXX Equifax and XXXX are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the 3 reporting agencies make me wait again after I successfully disputed these items. 
I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX XXXX XXXX and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a certified letter in which they claimed to receive On XX/XX/XXXX. The letter was pretty stand forward involving one public record in which I requested my Rights under Section 609 ( a ). I wanted to know the source that gave them the information in order to verify the information with the source that provided Experian. I also requested for them to send me this information via mail. On XX/XX/XXXX Experian emailed me the results which were very bland and told me the account remains and that the company who provided Experian the information states that the information is accurate. In this case Experian violated my FCRA rights by not providing me the sources in my credit file.
Product: Mortgage

On XXXX XXXX I contacted a loan broker for a refinance. The company accepted the application and a appraisal was performed on XX/XX/20. I constantly contacted broker on status of loan and it was always some kind of delay. In XXXX I finally told broker I was done with them its been 5 months and they still couldnt close on a refinance. I asked the broker for a refund for the appraisal because the amount of time has passed and the appraisal expired due to their inability to close. The broker contacted the company and a few weeks later the company denied the refund.
Product: Credit reporting or other personal consumer reports

Experian has failed to full-fill it's legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standings. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit card

A fraudulent CCB/DELL credit card was opened in my name by another party, completely unauthorized by me. The amount spent was {$3500.00}. I found out about it via email through XXXX XXXX. I tried to call the phone number that was listed as the company 's number & it was not a legitimate phone number. I filed a fraud alert with XXXX & was told by them that I needed a police report, which I got. I have a security freeze on XXXX & am in the process of getting one for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the state law HUR-192 and 31 USC 5118 , I have disputed the account several times as it is illegal for a collection to buy any debts and come after me for payment. Debt has been charged off/ closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had to pay off several accounts in which I did not owe, just to clear my credit. Now that I have I've contacted TransUnion in reference to the information still showing on my report. Per TransUnion, the information is under dispute per my request. I asked why would I dispute something that I have paid and did not owe? The representative informed me on their side it showing different and I would have to just wait or update and pay for one of their monitoring services and then I can update my report. So, I paid for the monitoring service only to learn this is something TransUnion must do in which again, I'm being told to just wait.

I am asking for help getting the items removed from my report and an update credit Score as well as Repo.
Product: Debt collection

ALDOUS AND ASSOCIATES called me 1 year ago, to charge me the gym XXXX  membership, which I had canceled 2 years ago, and had filed a complaint with the bank, because XXXX continued to collect the monthly payment after I retired. When ALDOUS AND ASSOCIATES call me they threaten to send me to the collection if I didn't pay, even though I explained my case. We agreed that he would pay {$190.00} and that they would not comply with his threat to send me the collection. 1 year after paid, they put me in the collection and hurt my credit. I called them and the secretary told me that even if I had paid, they put me in and don't plan to remove him. because they don't want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this complaint
Product: Debt collection

I am writing for the record that FIRSTSOURCE ADVANTAGE LLC is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including FIRSTSOURCE ADVANTAGE LLC, and has decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).
Product: Credit reporting 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXXXXXX I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXXXXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that Equifax is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate the inquriy from XXXX XXXX XXXX XXXX that is showing XX/XX/22, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Mortgage

End of XXXX of XXXX I went to my bank PNC in XXXX PA. I told them that I was going to be late on my next payment due XX/XX/XXXX. They asked if I ever filed for hardship I said no. He went to look at my account. I had been paying double on my account for years and this was my first late payment. He came back and. Said you dont owe anything youre all paid up. I said are you sure he said yes if you are concerned call us a few days before your due date and check again. I called before my due date and he said yes it says you havent owed a payment for sometime now. So I didnt pay another payment. I started working again and was so busy I never thought to call about the mortgage release. But I didnt pay another payment. I never heard from them again until mid XXXX and they were very quiet. They said your balloon is 90 days past due and I said my mortgage is paid off you told me it was paid off its over 5 years later and I havent made a payment why would you wait this long to call if I owed you anything? I told them to send the papers to Texas where is was currently working. And I waited. They never sent me anything but during that call they asked me when I would be returning home to PA and I told them by the first quarter. Next thing I get is a picture from my friend down the street of my house with a for sale sign in front. I checked the courts in XX/XX/XXXX and they foreclosed on my home while I was away. Thats why they asked how long Id be gone. They stole my house from me with almost 50 years of my belongings inside they didnt even secure my belongings. They told me they threw them all away. They never served me or posted anything on the door, as I had someone going by. They had been sending me XXXX balance statements for those five years. I have not been able to get an attorney to return my calls. Its been a long time that I have been displaced and mourning this entire gut wrenching experience. The contents of my life have been thrown away. Even on the court docs it is obvious that I wasnt served. They didnt even talk to me about it. If I had known how much it was that I owed i could have paid it but they didnt give me that option. I dont know what to do or how to get anyone to help me.
Product: Debt collection

I received a collections notice from CB1, Inc., saying I owed a debt of {$790.00} to XXXX XXXX XXXX. I have never retained XXXX XXXX for anything, not for myself, nor do I have any dependents. How they even came to get my contact information is unbeknownst to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is wrong on this credit report my phone numbers are not mine my ex-husband is not my husband anymore some of these informational pieces in my credit report needs to be changed
Product: Mortgage

The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption.
Product: Mortgage

I had inherited 100 % my parents house through XXXX. Ocwen mortgage allowed me to take over the mortgage. Ocwen mortgage locked me out of my own account and would not accept the payments. At the time the principal balance was {$2500.00}. Ocwen then foreclosed on the house for {$25000.00}. I have been ordered to vacate within 60days.
Product: Credit reporting or other personal consumer reports

Please remove XXXX fraudulent items from my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to formally request a block of specific information on my credit report as I am a victim of XXXX. The details below represent items that are directly connected to the XXXX  circumstances Under Section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days as required by law
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( XXXX XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, FCRA 611 ( 15 U.S.C. 1681I ), please provide the name and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : Account number : XXXX - XX/XX/2019 XXXX XXXX XXXX : Account number : XXXX - XX/XX/2019 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I sent a letter to Navient asking to only be contacted via mail or email, yet I received at least 20 phone calls after they received the letter. I am also certain they received the letter because they sent me a response stating they could not negotiate terms via mail.