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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, Transunion and XXXX ). All the 4 collection accounts where deleted by XXXX but Trans Union and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( Trans Union and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/XXXX XXXX I cant say this more emphatically, I have never had a TRANSWORLD/XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
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. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Follow up my email/letter dated XX/XX/2022, regarding to request to amend the unreasonable payoff charges. I havent received any response from Shellpoint. 

Due to the time essential, and my leader are still waiting for your amendment payoff letter to settle the final payment. I have paid off the {$3000.00} for the P/I payment on XX/XX/2022 first to avoid further interest. 

At your convenience, please contact me at XXXX XXXX XXXX my email : XXXX for the mortgage settlement as soon as possible. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries from : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX,
Product: Student loan

I enrolled in the Public Service Loan Forgiveness Program and have been making payments for approximately 8 years. I just found out I was on the wrong repayment plan so only 3 years of my payments have counted toward the program. I asked for an adjustment and they lowered the number of qualifying payments I had!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00}, ) XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I have an issue with the escrow account. I can not reach anyone at the servicing company. The phone tree does not allow a choice to speak to a person. I have left a number to call back on numerous occasions, but have never received a call back.
Product: Credit reporting or other personal consumer reports

There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

During the time that I have been with US Auto I have been paying on time, until they breached the contract. The company that they claimed took over the contract has the wrong balance and also has not verified my identity. I have no obligations with this new company per the contract. My debt has been sold without my consent. The account has been sold on the grounds of fraud. US Auto has failed to live out it's obligations, also breaching the contract. I demand that my title released to me without recourse of any kind. My title needs to be cleared of any liens of any kind. I demand a cease and desist of you guys not using my signature without my consent of any kind. I demand you not to put any negative marks against my consumer report of any kind. I also demand a cease and desist of all phone communications to stop as well. This day set forward mail only responses. I demand that you guys do not repossessed my vehicle. I also demand that you cancel the loan and refund my money back that I have paid to the finance company. I have also reached out to the attorney general about this matter and filed a ftc report as well for fraud. If this matter can't be resolved I will be seeking legal action. This will be the last response to resolve this matter next it will be from my attorney.
Product: Credit reporting or other personal consumer reports

I requested Experian to remove the inquires due to fraud, XX/XX/2024 and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information I didn't give authority to post on my account anything that's over 7 years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items
Product: Credit card or prepaid card

We have a small business account at BB & T. We requested a business credit line to be opened. We were advised that we were approved for two business credit lines, one of which was in the form of a credit card with a $ XXXX limimt. Unbeknownst to us, BB & T also opened SIX ADDITIONAL CREDIT CARDS IN OUR ACCOUNT WITHOUT OUR APPROVAL. We were already victims of the XXXX XXXX scandal where accounts were opened without our knowledge or approval. We were shocked to log in and find these 6 credit card accounts that we never approved or had ANY KNOWLEDGE OF! Our banker made a bunch of excuses and had no answer as to why we were not advised about these accounts. We have never received these cards and don't even know the full account numbers. We have attached a screen shot from our banking portal that shows the last 4 digits of these fraudulent cards, but don't even have access online to the full credit card numbers. We are seasoned business people and know that if we close these 6 credit card accounts ( which we want to do because we have no need of them and will NEVER use them ), that our credit score will be negatively impacted. We both have 800+ credit scores. What recourse do we have without our credit being damaged? We don't want these cards, nor do we want the available credit! We are also going to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 I submitted a request to EQUIFAX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 

More specifically, EQUIFAX is required by federal law to verify and PROVIDE PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 

Despite numerous, requests, EQUIFAX has NOT done so for : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXXXXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below :
Product: Mortgage

I received collection calls from Nationstar Mortgage on XXXX XXXX, 2016 at XXXX and XXXX and again on XXXX XXXX, 2016 at XXXX. The first two calls I did not answer because I thought it was a telemarketer. The final call I answered and was advised that my mortgage was 3 months delinquent. My mortgage is current, and has remained current for the entire duration of its term. After checking their records, they said the calls to me were in error and the account is current. They claim the calls were initiated in error due to my recent recast request. The Nationstar website ( screenshot attached ) also shows a delinquency. The rep I spoke with claims my payments were placed in some sort of " holding account '' due to my recast request. I requested the recast because of {$10000.00} in HAMP funds which have been paid towards my principle in the past 5 years. According to HAMP guidelines, I may be eligible for recast to reduce the payments due to these principle payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the unethical and possibly illegal actions of Bank of America regarding the handling of my checking account. Recently, my account was shut down without warning, and upon inquiry, I was informed that it was due to a bad check that I allegedly submitted. However, I was never provided with any evidence of this check, nor was it ever returned to me as it should have been. 

Furthermore, Bank of America failed to disclose information regarding the deposit insurance that was supposed to be used to open my account. Instead, the funds were placed in an escrow account, with no disclosure that I could have claimed the insurance. This is a clear violation of GAAP procedures, and I demand that Bank of America be held accountable for this breach. 

To add insult to injury, Bank of America has been using deceptive practices to contact me regarding a debt that I do not owe. This is highly concerning, and I fear that they may be engaging in fraudulent activities. I demand that the CFPB investigate these practices immediately. 

Moreover, I am highly suspicious of Bank of America 's management of my funds, especially in light of their failure to provide me with full disclosure regarding the deposit insurance. They have been taking the compound interest each month, which should have been placed in my account, and have since closed my account. I demand that the CFPB look at the ledger of Bank of America and retrieve any securities that have my name on them and belong to me. 

In conclusion, I urge the CFPB to take swift and decisive action against Bank of America to rectify these egregious violations. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX, XXXX with account number XXXX XXXX  # : XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. 
In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in updating my credit report. Despite my repeated requests, they continue to report an outdated and incorrect address, causing significant harm to my ability to make major financial decisions. 

I have contacted Equifax on XXXX separate occasions, requesting the removal of the incorrect address XXXX XXXX XXXX XXXX, XXXX, GA XXXX from my credit report. This address is no longer valid and should be entirely removed. I have also provided them with my correct and current address, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX  XXXX, which should be the only address listed on my report. 

Their continued failure to correct this information violates the following provisions of the FCRA : 15 U.S.C. 1681c ( a ) ( 1 ) - The requirement that consumer reporting agencies maintain accurate and up-to-date information on credit reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - The obligation to investigate disputed information within 30 days and correct or delete inaccurate or incomplete information.

15 U.S.C. 1681e ( b ) - The duty of credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

The inaccurate address on my credit report has led to significant challenges, including hindering my ability to move forward with major purchases. This inaccuracy is creating unnecessary barriers to my financial stability, and the credit bureau 's lack of action is both frustrating and harmful. 

I request the CFPBs assistance in enforcing the FCRA and ensuring that my credit report is corrected promptly. I trust that with your intervention, this matter can be resolved swiftly and accurately. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When trying to pay off a settlement with a creditor that The Gitmeid Law Firm negotiated, Gitmeid repeatedly failed to send me documentation they said I needed to pay off the settlement with a creditor. 

Furthermore, they also claimed they had trouble getting information from creditors stating my accounts were settled. Only after I personally contacted the creditors they negotiated settlements with did I receive the documents I needed.
Product: Credit card

went to pay XXXX on phone-said i couldnt acct had gone to citibank-called citibank sad i didnt have to pay in XX/XX/XXXX and there would be no interest as i always paid account in full. got bill fron citibank with interest on it. called said 1st person told wrong info and there would be interest. asked for something in writing said they couldnt give me anything just dont pay. called again told dont pay interest but cant give anything in writing anf must pay total to not be charged next month when innterest credit will be taken off. asked for superisor told none available but would have one call some time. .filled out on line questionnaire with all this info got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, 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 anyway. 

XXXX XXXX XXXX _ {$770.00} XXXX XXXXXXXX XXXX _ {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX- I was trying to sell my XXXX XXXX XXXX XXXX market place. Some guy scammed me by pretending to be XXXX. I was lied and deceived by making me send him two transactions of {$300.00} and {$230.00}. 

XX/XX/XXXX - I called my bank XXXX XXXX to report a dispute claim. I received a dispute claim number and was told that a letter was going to be sent home. 

XX/XX/XXXX- I received two provisional credit one of {$300.00} and {$230.00} XX/XX/XXXX - The bank took back the credit- {$230.00} - {$300.00}
Product: Mortgage

I sent in a complaint yesterday, and last night received an email from PHH regarding my account. The first email addressed bogus lates reported by PHH for XXXX XXXX XXXX, now I see that they also reported me late in XXXX. Here is my email to them today. 

I am responding to an email received XX/XX/XXXX from you, PHH. You stated that PHH did not make any error in reporting my XXXX & XXXX payments as late and accessing a late fee and or derogatory make on my credit report. I have reported you to CFPB, as you are wrong. You stated that if a payment is received after the XXXX of the month a late fee of {$94.00} will be charged. XXXX payment was paid in full as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00} WELL BEFORE THE XXXX OR THE XXXX!!!! PHH just doesn't know how to credit payments correctly. Instead PHH puts them in suspense!! 
XXXX payment was also paid in full by the XXXX which is a friday, the XXXX fell on a Saturday and the next business day was a holiday/XXXX  XXXX and many financial institutions were closed. So it appears PHH may not have processed my payment until the XXXX, which is not my problem, since I gave you the money on the XXXX! PHH is a nightmare and needs to stop harassing customers.