23daVinci/CFPB_Complaints huggingface dataset:
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. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Bankruptcy Account Number: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: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation into the accuracy of my credit report, specifically regarding the reporting of the XXXX account # XXXX by Experian. I have noticed significant discrepancies within the reported information, which are concerning given the importance of accurate credit reporting for consumers. 

Experian has claimed to have verified and updated the XXXX account # XXXX ; however, crucial details such as the first date of delinquency, date of last payment, and date of last activity are noticeably absent. Furthermore, the reported date of removal appears to be inaccurate. 

As mandated by the Fair Credit Reporting Act ( FCRA ), consumers are entitled to full transparency regarding the information contained in their credit files. It is imperative that I have access to accurate and comprehensive details concerning my credit history to make informed financial decisions and ensure fair treatment by creditors and lenders. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a thorough reinvestigation into the reporting of the XXXX account # XXXX by Experian. Specifically, I am seeking clarification on the method of verification employed by Experian and a comprehensive disclosure of all relevant details pertaining to this account. 

I trust that the CFPB will handle this matter with the utmost diligence and ensure that my rights as a consumer under the FCRA are upheld. I kindly request regular updates on the progress of the reinvestigation and any actions taken to rectify the inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to potential identity theft and having no knowledge of this location.Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company, XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark to be removed immediately as its affecting my chances to purchasing a home. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

XXXX  was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, XXXX reported a response that the debt had been verified and would remain. XXXX and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ).

To this end, I am requesting the assistance of the CFPB to hold XXXX to task as well as the below referenced collections agency : EOS CCA XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX and Experian.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act,

15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

ONEMAIN XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

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

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$260.00}
Product: Debt collection

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 : # BUS & PROF COL, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. 

Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1500.00} has violated my rights Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1200.00} 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: Debt collection

Shell point Mortgage has made a hard inquiry on my credit report. I did not request this and I am not even trying to apply for a mortgage. It shows they did this on XX/XX/XXXX, this was discharged in Bankruptcy in XXXX. No reason they pulled my credit. I would like this removed immediately.
Product: Mortgage

After one year of attempting to resolve my escrow discrepancy with my Mortgage Company it is finally official they are incorrect on their calculations and managing my account correctly. As of today I have received XXXX tax form information from them and all three were different, plus the escrow amount did not equal my escrow end of year analysis. How can so many dollar amounts be off is unclear to me. This truly shows this company needs to be dealt with.
Product: Credit card

Complaint Regarding Deceptive Credit Card Practices I am writing to file a formal complaint against XXXX XXXX  and Citibank regarding their deceptive marketing and implementation of " 0 % interest '' credit card offers. 
I purchased items on the XXXX XXXX XXXX in XXXX of XXXX and was paying it down. Then in XXXX of XXXX, I was charged nearly $ XXXX in " deferred '' interest. Something that it does not state until after the purchase or in the " Fine Print '' Misleading Advertising Best Buy prominently advertises " 0 % interest '' or " no interest '' financing options in their stores and marketing materials. However, these offers are actually deferred interest plans, which is not clearly disclosed to consumers at the point of sale.

Lack of Transparency When applying for the credit card, I was not adequately informed about : The difference between true 0 % interest and deferred interest The potential for retroactive interest charges on the full purchase amount The exact terms of the promotional period The high interest rate that would apply if the balance was not paid in full Unfair Practices Financial Harm Due to these deceptive practices, many consumers, including myself, have been hit with large, unexpected retroactive interest charges. In my case, I was charged XXXX  XXXX in interest despite making regular payments throughout the promotional period. 
Request for Action I urge you to investigate these practices and take appropriate action to : Require clear disclosure of deferred interest terms at the point of sale Prohibit the marketing of deferred interest plans as " 0 % interest '' or " no interest '' Mandate that minimum payments be set high enough to pay off the balance within the promotional period. 
Provide restitution to consumers who have been unfairly charged retroactive interest Thank you for your attention to this matter. I look forward to your response and action on this issue. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

( SYNCB/BP  DC ) XX/XX/2019 XXXX, FL XXXX I arrived to a BP gas station in XXXX NY where I saw a advertisement on the pump saying " Receive 25 cents off per gallon. '' I went inside the store and asked the cashier for details on the card. All the representative said was " sign up '' handing me a pamphlet. I followed the details provided in it. A month later I received a hard Inquiry. I wanted the rewards. I was unaware that this was based off approval. 

I would truly appreciate help on this concerning matter as I am a lifetime customer at the gas station. 

Its my favorite gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collection company Phoenix Financial Services has continued to harass me for a debt that I did not incur for some sort of emergency services. I have blocked over a dozen phone numbers over the past few months because they continuously called my husband and me. I thought it was a scam. Today I see that it has been placed on my credit report since last month. I have paid all my debts on time. I am in good stand with all my creditors. It does not make sense that I would choose to not pay XXXX. I want this company to stop harassing me and remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have requested in writting to that theses items be removed off my credit profile Due to fraud they are not my accounts XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Balance of XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Balance XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes it harder to make credit transactions due to the fact that this had an effect on my credit score.
Product: Debt or credit management

I thought it would be a good idea to have this account I opened it on the trial. Realized that I didn't want it sent them a statement and their website saying I wanted to cancel this before the trial was over with and they've just ignored that tried charging me numerous times reporting to the credit bureau that I haven't made payments which I shouldn't have because I canceled the thing and they're still doing it to this day and that was back in 2022. Actually I would love to be able to sue them for Reporting negatively on my credit report causing damage to the possibility of me being able to purchase my home or help my business because of all this I can't they have really hurt my credit report they should be ashamed
Product: Debt collection

My former employer was contacted by MCM collections in regards to a past debt which I attempted to resolved with a prior debt company and I wasn't successful. However, the debt was sold to MCM collections and they contacted my previous employer on XX/XX/2022, about my whereabouts to attempt to collect on a debt that is past the statue of limitations. I advised them that I don't want any contact and they violated my rights for no employer contact. This is a form of harassment and poor debt practices that caused me dispersity and anguish of embarrassment with my former employer.
Product: Mortgage

I was disappointed with how Selene Mortgage handled my situation. I expected more empathy and support during a time when I needed it most. Today we are having to file a XXXX XXXX to save our home after being in it for 29 years. They are truly a " vulture '' mortgage company that preys on families in hard times & should be reprimanded for operating this way! What they do in situations like this is truly disgusting. We even provided so much hardship proof available with both cancers and the death in the family. 
From the beginning, I found their customer service lacking. When I reached out to discuss my financial difficulties and the possibility of a loan modification after they denied a previous accepted modification with XXXX XXXX we had made after Selene took over them a week later, the representatives seemed unhelpful and often provided conflicting information. I felt like I was navigating a maze without clear guidance. 

**Loan Modification Process : ** We had our mortgage with XXXX XXXX who had worked out a modification package with us when we were going through very hard times with illness and death in our family. My mother was XXXX XXXX  XXXX and our son was XXXX XXXX as well all while losing my husbands mother. After our modification was approved by XXXX to help us through this hard time Selene bought our XXXX mortgage a WEEK later and would not honor the hardship package that was approved by XXXX. They made us resubmit all the required documentation again THREE more times for a loan modification, hoping to find a solution that would allow me to keep my home. However, my request was finally denied and our home was tuned over to foreclosure right before the h holidays without ever a clear explanation after XXXX had approved help for us. I was left feeling confused and unsupported, especially given the circumstances my family was facing. 

**Communication Issues : ** Throughout the process, communication was poor. I often had to follow up multiple times to get updates, and when I did receive responses, they were vague and unhelpful. This lack of transparency added to my stress during an already difficult time. They led me to believe after the 3 modification packages we filled out they would work out a plan for us but never did dragging this whole thing out for 10 months.

**Overall Experience : ** I was disappointed with how Selene Mortgage handled my situation. I expected more empathy and support during a time when I needed it most. Today we are having to file a XXXX XXXX to save our home after being in it for 29 years. They are truly a " vulture '' mortgage company that preys on families in hard times & should be reprimanded for operating this way! What they do in situations like this is truly disgusting. We even provided so much hardship proof available with both cancers and the death in the family. 

I would caution others who may be in a similar situation to be prepared for potential challenges in dealing with this company. 

We are reporting this mortgage company on many platforms in hopes that no other family has to go through what we've endured this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my XXXX clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.