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

On XXXX at about XXXX. I contacted Experian Credit Bureau because I saw they dropped my score 14 points for no reason. All my credit reporting says everything is in good standing and my payment history is exceptional. Meanwhile my scores from XXXX and XXXX  went up. When I called Experian the first lady I got asked permission to pull my XXXX credit report and my current one. After giving her permission she said she could not see any reason for the drop and could not give me a reason. She said I should contact a financial advisor. I told her no because Experian is doing this and a financial advisor will say to contact Experian because he or she has no authority over Experian. I explained to her I feel this is basically my credit score for sale because I started rebuilding my score when it was XXXX. When it got to XXXX my wife asked why we were paying Experian {$25.00} a month, and I did not know. After looking into the charge it was for some membership tp Experian we had no idea we had. That day I cancelled the membership and XXXX days later with no change to my credit report Experian dropped my score to XXXX. Then I got my score back up a little and Experian sent me a email saying if I got a credit card and they had the name of it through them my score would go up. When I denied their offer they lowered my score for no reason. Then I got my score up a few points and they offered to raise my score if I got car insurance through them. When I declined their offer my score went down only through them. Now just last week my score hit XXXX, I got an offer again for both a credit card and car insurance through Experian. I declined both and now today my score dropped 14 point for no reason. This lady told me she could not explain it. So I asked for a supervisor. The supervisor came on and I explained everything and she told me to contact a financial advisor because she could not tell me anything. I asked her why because Experian is doing this and she is a supervisor for Experian and I want an answer. Then she hung up on me.
Product: Credit reporting or other personal consumer reports

Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.
Product: Debt collection

Midland Credit management Inc repeatedly called my grandma XXXX XXXX and my uncle XXXX XXXX. They shared personal information of my debts. I am not sure of what dates but in last few years. They should not have called them. How would they even know we were related and shared my info
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purposes.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

For the second year in a row, Mr. Cooper failed to pay my homeowners insurance premium out of escrow on time. Last year, I caught the mistake on time. This year, I did not. My insurance company canceled the policy and would not rewrite it. As a result, I had to switch to a new insurance company to secure new homeowners insurance. Mr. Cooper 's repeated negligence caused me to suffer substantial damages. Those damages include ( XXXX ) Loss of my existing policy and its coverages ( XXXX ) Cost of exorbitantly priced and under-serviced interim policy purchased by Mr. Cooper to cover the gap. The interim policy that Mr. Cooper purchased " on my behalf '' was more than double the premium of my previous policy, for only a small fraction of the coverage. 

I wrote to Mr. Cooper directly asking them to ( XXXX ) Acknowledge the error in failing to pay my homeowners insurance premium in a timely fashion to XXXX XXXX via our escrow agreement ( XXXX ) Absorb the cost of the force-placed hazard insurance policy, as it was placed only because they failed to make the escrow payment per their obligation. 
( XXXX ) Close my escrow account immediately, refund the remaining balance to me, and remove escrow payments from all my future monthly statements. In the future I would like to make all my insurance and tax payments directly so that I can be certain they will be done. 

I spoke to a Mr. Cooper representative on the phone, who told me that he could not cancel my escrow account because there was an instance of my real estate taxes not being paid on time. I reminded him that Mr. Cooper also pays my real estate taxes out of the same escrow account, and again that would be their failure. They could not tell me anything more about the supposedly late real estate tax payment, but if that did in fact happen it would be the third instance of Mr. Cooper failing to make an escrow payment on time ( and they have only had this mortgage for XXXX years... ) Since I could not get anywhere over the phone, I sent my complaint in writing via their online system. They responded XXXX weeks later that they were forwarding it to another department. Now, XXXX weeks after that, I still have heard no additional response. 

Their system of correspondence seems to be set up to simply fatigue you into giving up. After countless calls, automated phone trees, content-less letters, I still can not get any answers or action out of them. After a couple months of dealing with this to no avail, I am turning to the CFPB.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies XXXX, Experian, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc vilations In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT.Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under this law, Equifax is required to report only accurate, complete, and verifiable information. The following item ( s ) on my credit report are incorrect and must be investigated and corrected immediately. 

Disputed Item ( s ) : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX FCRA Violations and Required Action Under the FCRA XXXX Equifax has the following legal obligations : XXXX. Accuracy and Fairness ( 1681e ( b ) ) Equifax must maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. The presence of inaccurate information violates this requirement. 
XXXX. Investigation of Disputed Information ( 1681i ( a ) ) Once a consumer disputes information, Equifax must investigate within 30 days and delete or correct any unverifiable, inaccurate, or outdated information. 
XXXX. Notification of Corrections ( 1681i ( d ) ) If Equifax corrects or deletes any disputed item, it must provide me with a written notice and an updated credit report. 
XXXX. Liability for Non-Compliance ( 1681n, 1681o ) If Equifax fails to investigate or correct this inaccurate information, it may be subject to civil liability for willful non-compliance or negligence, including actual damages, statutory damages, and attorneys fees. 

Requested Resolution I request the following actions be taken immediately : A full reinvestigation into the disputed information. 
Removal or correction of any inaccurate, unverifiable, or outdated information. 
A written statement confirming the results of your investigation and an updated copy of my credit report. 

Failure to comply with this request within the legally mandated timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. 

I have attached copies of relevant supporting documents, including [ mention any evidence, such as credit reports, account statements, or correspondence with creditors ]. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Universal RE is on my credit history for XXXX. I have no debt to them. When contacted XX/XX/XXXX, they acknowledged that it may have been from my childrens XXXX school class photo. I explained that we always paid by check and that after checking my records with banks ( in accounts that are now closed ) there were no overdrafts or ISF listed. They acknowledged I have no account or account numbers with them. This is from XX/XX/XXXX. Yet it is a mark on my credit. I asked that they remove it. They did not do it.
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and Bank of America for their mishandling of a disputed charge that has caused me significant financial and emotional harm. Despite my persistent efforts to resolve the matter in good faith, I have been met with negligence, broken promises, and undue financial and personal loss. 

XXXX : - XX/XX/XXXX and XXXX, XXXX, I contacted XXXX to address an issue with a double payment hold that prevented me from renewing my weekly car rental. I explained the urgency and requested they remove the hold. 

- XX/XX/year>, at XXXX XXXX., XXXX towed the rental vehicle, despite assuring me over the phone that I could renew the rental in person at the pickup location during business hours. I specifically requested that they note this agreement on my account. XXXX confirmed they had done so. 

Following the tow, XXXX charged me an overdue administrative fee, which caused my Bank of America account to overdraft. I was never provided with a final receipt and was initially unaware of the full charge. 

- XX/XX/year>, I disputed a {$410.00} charge with Bank of America. Upon reviewing the claim documentation on XX/XX/XXXX, I discovered the charge was actually {$530.00}, adding to the financial and emotional distress caused by XXXX 's lack of transparency. 

- XX/XX/year>, I sent Bank of America my correspondence with XXXX, which included detailed emails showing my intent to pay, my calls to XXXX, and their assurances that notes were added to my account to prevent towing. Despite this evidence, Bank of America denied my dispute again. 

Additional Impact : When the vehicle was towed, my personal belongings were still inside, including my XXXX XXXX, which was never recovered. XXXX directed me to the tow recovery company, where I was required to sign a document stating that all belongings were accounted for before inspecting them. This misleading policy resulted in my loss being ignored. While some of the other items left in the car were replaceable, the XXXX XXXX was a significant personal and financial loss, adding to the overall harm caused by XXXX actions. 

Attempts to Resolve : I made repeated calls and emails to XXXX XXXX XXXX Department ( emails sent on XX/XX/XXXX and XX/XX/XXXX ), explaining my intent to pay and requesting they prevent the towing. Despite my proactive efforts, XXXX ignored their promises and escalated the issue. 

I also disputed the charges with Bank of America, but my claim and appeal were both denied. Instead of addressing the unfair treatment by XXXX, the bank focused solely on the transaction 's technicality, failing to advocate for me as their customer. 

Impact : This situation has left my Bank of America account in a negative status, severely damaging my financial reputation. I am unable to use the account for essential payments and am now facing undue stress and hardship. Additionally, the towing of the vehicle disrupted my ability to work through XXXX XXXX program, further compounding my financial difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I've contacted First Citizens on multiple occasions to try and withdraw XXXX XXXX XXXXXXXX and could no add an external account to get the money withdrawn. I sent them screenshots of the bug and called on multiple occasions I was tossed around on calls or not given anything from a template response. I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Hello, I paid my debt with XXXX XXXX  with XXXX XXXX and now Southwest credit style is flagging my account for unpaid debt that they bought in disregard to my satisfied account with that debt. 

I submitted a supporting document to the dispute they just said was still valid with southwest credit style. Please fix this error. 

I have bank records to prove my debt has being paid in full for a debt they are still trying to collect on. 

I paid it in full XX/XX/2020 with XXXX XXXX in the amount of {$350.00}, so please resolve this, as I am in the process of building/fixing my credit. 

Thank you
Product: Debt collection

I requested proof of debt. I was sent a letter from the company saying what I owed and the original company name, not a copy of the contract. They also threatened to sue me for the following : Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 

XXXX XXXX XXXX XXXX HAS STATED FOLLOWING ALLEGATIONS AGAINST YOU AS BELOW : ( 1 ) Violation of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft by Deception They also contacted several people in one day stating they are coming to my house or place of employment.

To include a minor child was left this information.

I was not informed that the debt was moved to a debt collector. The debt collector contacted me two years after the last communication from the original creditor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX  XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX
Product: Student loan

Steered me toward higher payment loans I ca n't repay my loans due to the high payments and increasing interest.
Product: Credit card or prepaid card

i was in XXXX and i think the cleaning crew that my company used took my card and used it without my consent and put it back now im stuck with this charges
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  credit card was reported to TransUnion with incorrect info. It says my balance is {$1200.00} however my balance is {$160.00}. See below attachments
Product: Debt collection

Today XXXX2018 I called Finkelstein, Kern, Steinberg and Cunningham to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments l 'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action XX/XX/XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not help. Their website does not work. Please see attached. Their phone numbers do not work : XXXX ( telXXXX ) Mon - Fri : XXXX - XXXX
Product: Debt collection

I do not owe this debt and there are 2 different ones on my credit bureau reports. I have asked for validation of this from this company and have not received anything. I do not owe this company and have never done business with them or have never had a contract with them. They are ruining my name and I want it to stop.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

There is a company that has had a collection on my credit file and I can not get them to reveal what the collection is for. As of yesterday they " updated '' the debt as to make it look like a new debt even though it 's been reported for a number of years now. I do n't feel their tactics are correct or ethical. I have been dealing with this issue since last year when I was in the process of getting a loan for a new house. The companies name is Syndicated Office Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 at XXXX CFPB WRITE UP O In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violate my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of inquiries on my credit that I did not authorize and I know nothing about.

XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX