23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  account XXXX, Account name : XXXX XXXX XXXX account number : XXXX, Account name : XXXX XXXX XXXX  account number : XXXX, has violated my rights. I looked at my TransUnion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

THE concern- I opted in to receive alerts to potential risks to my credit score. 
Then I started received alarming emails that my credit cards and personal information are at risk plus did I know that the deep web is extremely capable of instantly wiping me out, its virtually impossible to find them and get my money back, regain my credit ... BUT, EXPERIAN will come to my rescue for a FEE & MEMBERSHIP of $ $ $ . 
Isnt this a CONFLICT OF INTEREST? 
This is one of THE BIG THREE that is capable of reporting and affecting the publics ability to get a job, car, house! 

I have also contacted the Florida State Attorneys Office regarding my concern Experian was able to market themselves, use scare tactics, exploit seniors AND be one of the top three credit reporting companies? But guess I didnt make myself clear? I received a form letter to fill-out to correct any false information Experian may be reporting. 
Please advise. 
Thank you-
Product: Debt collection

After spreading my personal information to multiple counties in an attempt to sue me midland credit management filed to sue me in XXXX Michigan my hometown. This was after the case had been dropped on multiple occasion for lack of evidence and still has all invalid evidence. Midland credit management continues to harass me and make me take off work to deal with their inaccuracy reports and invalid files. Midland credit management has used stolen information from running unverified inquirers to file lawsuits
Product: Debt collection

On XX/XX/XXXX I received a letter for a debt We agree to the monthly payment. 
As our agreement, I make my first payment on XX/XX/XXXX. 

The next payment should be on XX/XX/XXXX, but in the time I received a notification from XXXX saying this company sends me to the collection when they do promise me by phone they won't If I do accept a payment arrangement.
Product: Credit card or prepaid card

I had two deferred interest promotional balances expiring on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX. 
The first promotional balance was in the amount of {$190.00}. 
The second promotional balance was in the amount of {$57.00}. 
To cover this {$250.00} XXXX XXXX {$320.00} on XX/XX/XXXX. 
The payment was accepted. 

On XX/XX/XXXX, having now paid these promotional balances off, I began working on paying off additional promotional balances that expire on XX/XX/XXXX. To do this, I changed the payment allocation to the balances that had later expiration dates. 

On XXXX XXXX I checked my statement and saw that I was hit with a {$140.00} deferred interest fee for not paying off the two promotional balances that expired on XX/XX/XXXX. 

I called the Home Depot Credit Services and they said it was my fault for assuming that the balance was paid with the {$320.00}. They said I should have known that by changing the payment allocation 5 days after paying off my promotional balance, that any payments would be automatically redirected, and that the fee should remain. They said there was absolutely nothing they could do, but they could work out a deal if I paid off the whole balance that day over the phone. This struck me as an additional illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 an account without my written instructions.

P.s, To whom it may concern I was never once notified in writing by XXXX XXXX XXXX.
Product: Mortgage

Have yet to receive a mortgage statement from our servicer Dovenmuehle. We received our very first statement when we purchased our home, and have paid. Since that first statement we have not received one, I have called a few times and have been told that it was mailed, twice now, I have yet to receive the mailed statement. I do not wish to be late on our payments. The reason we do not pay online is due to the fact myself and the co-owner like to write separate checks for the total monthly amount due.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint against OneMain Financial for deceptive practices and harassment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against OneMain Financial regarding their unethical and deceptive practices in relation to a loan I obtained from them. I am deeply disappointed and frustrated with their actions, which have caused financial strain and compromised my safety. 

On XX/XX/XXXX, I applied for a loan with OneMain Financial through their online platform. At the time of application, I was not informed about the exorbitant interest rate that would be charged on the loan. This lack of transparency is both unfair and deceptive, as it prevented me from making an informed decision about entering into this loan agreement. 

Furthermore, I would like to bring to your attention the manner in which OneMain Financial has been contacting me. Despite my repeated requests to cease contacting me while I am driving, their representatives continue to call me incessantly, which poses a serious risk to my safety. In one instance, I received a call while I was driving, and the distraction nearly caused an accident. This disregard for my safety is unacceptable and should not be tolerated. 

In addition to the interest rate discrepancy and the incessant phone calls, I would like to highlight the fact that the loan in question was secured by the title of my vehicle. This collateral arrangement has further added to my distress and XXXX. It is deeply concerning to think that OneMain Financial has the power to repossess my vehicle if I am unable to meet their unreasonably high payment demands. 

I believe that OneMain Financial 's practices are not only unethical but also violate the principles of fair lending and consumer protection. I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against OneMain Financial to ensure that other consumers are not subjected to the same mistreatment. 

I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights and ensuring a fair and transparent financial marketplace. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance. 

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

I have dispute on Sin number and trying to resolve with equifax XXXX. I have submitted 3 tickets so far but instead of resolving my dispute they are midleading and misguiding me. I have spoke to many customer service agents and everytime they hang up or ask me to wait for few business days for update. I tried to contact supervisor but that never helps. Because of this problem, no financial institute is offering any credit cards to me.
Product: Debt collection

I received a letter from Convergent stating I owe XXXX {$300.00} from six years ago and that XXXX told them they satisfy the balance by 65 % to {$16.00}. This account had been closed over 6 years ago and equipment was returned to XXXX. I never received another bill. I opened an account with XXXX for internet service. My previous service was cable. I am attaching a letter sent from me to Convergent. I have my received a response. I have been receiving several telephone calls from this Company from several different cities.
Product: Debt collection

Date : XX/X/17 Time : XXXX Amount Due : {$470.00} + {$19.00} interest/fees I called to formally dispute a charge. The man asked for my account number which I provided then asked my why I was disputing the charge. I said I have contacted XXXX XXXX and clarified with them that my insurance company is still waiting on medical records from them to process the claim associated with this bill. He then told me that that was not a valid reason and it 's almost been one year since the incident. ( It 's been 9 months in which I have records of consistent communication with the hospital and my insurance company. ) I told him the hospital has told me I am not liable for it while they resolve with insurance. He then told me that he could mark this as disputed but it would still affect my credit score. I told him that was okay then asked if my score will recover after the hospital and insurance company resolve this amongst themselves. He said it depends and I asked if that was all. I said yes but is the formally marked as disputed. He hung of the phone before he answered my question. Now I am unsure if this has correctly been marked or not.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Equifax. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. Inaccuracy # XXXX : XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX XXXX Inquiry XXXX Description : Never Authorized Inaccuracy # XXXX : XXXXXXXX XXXX Inquiry XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX inquiry date:XXXX Description : Never Authorized Inaccuracy # XXXX : XXXXXXXX XXXX  Inquiry date : XX/XX/year> Description : Never Authorized Inaccuracy # XXXX : XXXXXXXX XXXX XXXXnquiry date : XX/XX/year> Description : Never Authorized Inaccuracy # XXXX : XXXXXXXX XXXX Inquiry date : XX/XX/year> Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/year> Description : Never Authorized I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Debt collection

I sent certified letters to XXXX, XXXX and XXXX on XXXX XXXX, 2017 and XXXX XXXX, 2017 disputing the collection account from Credit Service Company in the amount of {$330.00}. XXXX deleted the collection account from my credit report ; however, on both occasions, XXXX and XXXX stated the information was verified and accurate ; however, XXXX nor XXXX has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. I contacted the company directly ( per the direction of XXXX and XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX, 2017 and again XXXX XXXX, 2017 requesting that they validate the debt. The company signed for both of the certified letters ; however, they refuse after two requests to provide all of the documentation that I have requested. I contacted XXXX and XXXX AGAIN by certified mail on XXXX XXXX, 2017 advising that they ( the credit bureaus ) did not provide any documentation to me and the creditor refuses to provide all documentation requested. I have recently received a response from XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation. XXXX sent a letter stating they are investigating the dispute. This has been going on for 6 months now with XXXX with no resolution.
Product: Debt collection

On XX/XX/XXXX, I called XXXX to cancel an old XXXX account that was put into my name by my landlord and in return set up a new account completely run by me. XXXX said they could cancel my account and that I wouldnt owe anything on it after XX/XX/XXXX. I had no issues until XXXX of XXXX when I got an email about overdue payments. I called XXXX and they hadnt cancelled my old account upon request and were still charging me but I had received no bills about this for those XXXX XXXX. After talking with multiple people on multiple attempts, I was able to speak with a supervisor that told me he would cancel the accounts and amounts owed with no problems. I hadnt heard anything or had an issues until I received a debt collection letter on XX/XX/XXXX. the letter stated that I hadnt contacted them regarding a previous letter ( a letter that I never received ) and that now it would be effect on my credit report and that I owed XXXX money. I called XXXX to dispute it but XXXX states that there is no record of any of this and that the amount stands. So now I am trying to go higher up to save my credit report so that Im not being hurt due to lazy XXXX representatives. 

Unfortunately I have no documentation other than the bills and statements of payment for my current account because everything was done over the phone and when I asked for email receipts of the conversations, they were never give.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed the CEO of XXXXXXXX XXXX, XXXX XXXX and I also tried reaching out to XXXX who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose 74 points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by 74 points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW
Product: Credit reporting or other personal consumer reports

Reporting personal information to other companies without my consent, the law states 15 U.S.C. SECTION 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 REPORTYING AGENCY CAN FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Credit defamation : If I have false, inaccurate or derogatory Entries in my reports A personal assest of mine can be damaged and will deserve compensation by law. The inaccurate reporting on my reports are causing damage to my creditability. XXXX is reporting late every month is a major concern and is causing damages, inaccurate info also between all three Bureaus
Product: Credit reporting or other personal consumer reports

My daughter and I have been trying to get approved for a mortgage for more than a month. Our mortgage broker at XXXX XXXX XXXX can pull my credit report with no issue but when he pulls my daughter 's credit report it comes up with XXXX credit like she doesn't exist. She has a XXXX credit score and lots of credit so not sure what's going on. We've lost two houses so far because the mortgage broker can't pull her credit report. We finally chased it down to an Equifax issue. Yesterday XX/XX/XXXX we called the Equifax to see what the problem was. It turned out Equifax had a weird combination of my name and her name. We have different last names but they had her last name as mine. Then they have her first and middle name transposed. She has never used the name. The person at Equifax told her to submit a name dispute online. My daughter didn't have an account so she created one with her own email address and got a confirmation.. She then submitted the dispute. The dispute confirmation came to my email address which is completely different than hers. Our accounts should not be tied together at all. She's an adult. I have had an Equifax account online for several years. So yesterday after she does the dispute I get an email address with the dispute number. I go ask her what is this about? They're sending me her dispute information like I'm her. Our email addresses are not combined. Our accounts are completely separate. She checks her email and she didn't get a dispute confirmation. Today we call Equifax back and tell them what's happening. The guy confirms my email address for my account. Then he confirms that her account is attached to her email address. They are preventing us from getting approved for a mortgage and they breached our privacy. It's affecting us financially, physically, emotionally and mentally at this point. I'm XXXX and I've been having a lot of problems so I'm trying to get to a house that is more handicap friendly. I've missed out on XXXX houses so far because we can't get approved for a mortgage. Both of us are locked out of our online accounts so we can't do anything there. Can't even look at our information anymore. I don't know what to do so I could use some help.
Product: Credit reporting or other personal consumer reports

XXXX  has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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: Debt collection

PEP Boys car care/Synchorny bank are attempting to collect exempt funds ( unemployment insurance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX
Product: Debt collection

On XXXX XXXX my sister received a call from XXXX a representative with Heritage acceptance. She did not Identify herself or the company she was calling from. XXXX was calling to confirm my residence through my sister. My sister advised them that I was XXXX. A week later I receive a letter stating that there was a judgement against me the amount and how much I owe. However the did not specifically state that this was an attempt to collect. This debt was from XX/XX/XXXX, and the judgement was filed XX/XX/XXXX. The statue has passed for them to report this to the credit bureau as the have threatened to do so with in the letter. Also the were advised that I am disable and do not have the ability to pay. XXXX then asked my sister who was speaking on my behalf if she was able to pay it. Which was inappropriate to solicit my sister for she did not owe. My sister asked to speak with the supervisor XXXX and she explained the same thing to the supervisor and XXXX was still insistent upon collecting on the debt as well. I am mentally and physically XXXX and have been for along time, with the documentation to provided details concerning my XXXX of which I feel I should not have to disclose. The were advised that I do n't have the ability to pay, and the debt is 18yrs old. XXXX stated that they can try to collect on a judgement up to 20yrs. Either way I do n't have the ability to pay, am currently XXXX and request that the debt be eliminated. I can afford to continually be contacted about this debt and I am on a fixed income that barely meet my daily living expenses
Product: Mortgage

My husband took a reverse mortgage in XX/XX/XXXX on our home, I was not XXXX at that time, he passed away in XX/XX/XXXX and the mortgage company ... .. XXXX XXXX, is now foreclosing on my home Refusing to allow me to become a non borrowing spouse. I have been thru 4 mediations with them and submitted extensive documents and was even approved for the XXXX according to HUD But the mortgage company refuses to acknowledge it. I need direction as to what my next step should be to save my home. I can not afford the fees an attorney will charge.