23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I received a letter from ERC on XX/XX/2021. The letter is regarding a debt of {$150.00} to XXXX XXXX XXXX XXXX. My wife called the company since my XXXX is limited. I was asked if i ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. To be clear I have never lived at this address and I don't know anyone who lives at this address. I informed the company that I have never lived at this address, that I have never had an account with XXXX XXXX XXXX XXXX, and that I was not going to make any payments on the account because it is not my account or my debt. 

ERC informed me that I could go to directtv/notmydebt, login, and dispute the account. I asked how I was suppose to log in if i do not have an account with them. ERC provided me with the account number for the XXXX account. I asked if I log in to XXXX with the account number you provide it can be deemed as my account since only the one who created the account would have the account number. The ERC representative replied yes it might. The agent also asked me multiple times, if i ever authorized anyone to open on account on my behalf. Multiple times i responded no I have not. 

I returned the form they provide where i dispute the account because it is not my debt and asked to be provided with name and address of the original creditor. I also created an account on the ERC website where i submitted a Fraud complaint, a dispute, and a complaint. 

As i mentioned before although my name is XXXX XXXX. I have never lived at the address they provided XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I have never had an account with XXXX. I have never authorized anyone to open an account on my behalf.
Product: Credit card or prepaid card

We have two business accounts with US Bank. We received a letter which I can attach that stated they were offering a Special Payment Relief Program. It is to lower interest charges and eliminate late fees and help us repay since we XXXX XXXX XXXX  and have been closed due to COVID19. I have called and spoke to 7 different individuals and they are stating they do not have that program. They are currently charging us an interest rate of 28.99 percent which is 9 points higher than before the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I spoke with two representatives at Experian. I asked how do they investigate and validate before they furnish and the first representative stated that they dont investigate it, XXXXXXXX XXXX does and then they report it to Experian ( CRA ). I then spoke to another representative that I was transferred too and he told me that they investigate and validate it directly with the creditor ( debt collector ). So at this point I am being told two different things. These CRA are playing with my life and it isnt okay. I asked for the phone call recording so that I could have proof when I purse litigation. XXXX stated I had to have a subpoena by a lawyer. I researched and seen where the FTC could get a subpoena and so thats what Im looking to do. These CRA are not doing there job and it is causing so much financial harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened from someone stealing my identity. I have notified Experian and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. 
Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX these should be deleted as well. 
Thank you for helping me get this matter taken care of.
Product: Mortgage

I have been paying my mortgage through XXXX XXXX for XXXX years. Last month, XXXX XXXX sold the loan to Mr. Cooper. Mr Cooper, without any explanation, Mr Coop adjusted my escrow, stating that I owe an additional {$4200.00}, which would increase my monthly amount by {$300.00}. I tried to contact Mr. Cooper through their XXXX number, but no one answered. I checked payments to my insurance company, and tax assessment ( which went down ), and no changes were as significant as Mr. Cooper 's claims. 

I need Mr. Cooper, in writing, to give a detailed explanation of their increase and how they came to their conclusion. I also need to explain why their analysis differs significantly from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Loop XXXX XXXX XXXX XXXX Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX, XXXXXXXX XXXX XXXX and Central Portfolio 4 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I was unable to obtain credit today XX/XX/24 due to Experian 's incomplete information, and no credit score. Yet they alerted me of the pulling of the report and my credit score today when it happened. l have an account with Experian so this is totally inconsistent information that they are sending all parties. How is this possible?
Product: Credit reporting or other personal consumer reports

Lender harassed me and lowered credit limit due to fraud from another lender
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 XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021
Product: Debt collection

I recently received a copy of my XXXX, XXXX, and Transunion credit report, and I noticed some Inaccurate account posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

My wallet was misplaced on XX/XX/20. It had several credit cards within it, all the companies Ive been able to contact to cancel the cards and replace except for Barclay Card US. Ive waited on the phone on their customer service line for a total of 8 hours over the last couple of days and got disconnected. They will not respond to messages. You can look on their social media pages and its not only me who is having this problem. I am worried someone will run charges up to my account with this total lack of response by Barclay Card US.
Product: Debt collection

X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two hard inquiries listed on my credit report which I believe to be unauthorized and in violation of federal law. Please see my detailed information below : The hard inquiries unrecognizable are : 1. XXXX XXXXXXXX Date Reported : XX/XX/year> XXXX. XXXX XXXX XXXX Date Reported : XX/XX/year> I do not recognize these hard pulls and they were not authorized by me. Therefore, they violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs permissible purposes for obtaining consumer reports. Additionally, please note the following sections of the FCRA which further support my dispute : 15 U.S.C. 1681e ( b ) : 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. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

As a consumer, my rights under the FCRA are clear, and unauthorized inquiries can result in inaccurate reporting and potential q to my credit score. Given these inquiries were not made with my consent or for a permissible purpose, they must be removed from my credit report immediately. 

Please investigate this matter promptly and correct the inaccuracies by removing these unauthorized inquiries. I would appreciate your prompt attention to this matter and expect a resolution within the 30-day investigation period as required by the FCRA.
Product: Mortgage

There was an escrow holdback for needed paint repairs. The property is in MN, so we needed to wait until the spring to have the areas painted. 

The escrow holdback agreement was improperly completed showing the funds came from the borrower when they actually came from the seller. In almost 30 years, every escrow repair has been completed the same until this loan. UWM states that the borrower is the responsible party to resolve the escrow and request/approve the release of funds. This was a first-time homebuyer and had no idea what was going on and I don't think this kind of problem/resolution should be the buyer 's responsibility. The work ended up getting complete twice and the buyer thought the contractors were from the same company. The initial work that was done by the company UWM hired was done so poorly that the original contractor thought " the buyer slapped some paint on the windows '' and he would have just left them as completed, but the work was done so poorly that he didn't even think for a second that it was completed.
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 USC1681. 
these accounts XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

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

15 U.S.C 1681i-5- reinvestigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit card or prepaid card

I have not used my Capital One XXXX for XXXX XXXX before using my card on XX/XX/XXXX. I never received a bill. email, letter, text, or telephone call advising me that my payment was due or past due from XXXX to XXXX. My Alerts that I set up XXXX XXXX  prior failed to work. I did not notice I owed for this card until I tried to activate my other Capital One XXXX  on XX/XX/XXXX. I noticed my account was past due and immediately made a XXXX payment on XX/XX/XXXX and XXXX on XX/XX/XXXX. I called Customer Service to tell them what had happened and the Customer Service XXXX XXXX said the same thing had happened to her and you have to update the app once in a while but she can not do anything about it. I sent a letter to Capital One on XX/XX/XXXX and they never responded. I sent another letter to Capital One on XX/XX/XXXX and they finally responded. They sent copies of internal billing statements which I never received in XXXX and XXXX and they admitted that mistakes happen if you do not use your credit card much. I asked Capital to remove the XXXX  late mark on my credit report but they refused. I asked them to delete my account from the credit reports but they refused. They reduced the credit limit on both accounts XXXX from XXXX to XXXX and the other from XXXX to XXXX I have had this account since XXXX and I have never been late. My XXXX Credit Report was XXXX. Please help.
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. 

XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX account from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. 


( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry : XXXX. XXXX, XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX