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

Exeter Finance has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus until XX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.
Product: Credit card or prepaid card

I XXXX XXXX set up a long term hardship program last XX/XX/XXXX or XXXX. I did all what is necessary. I made a downpaymemt and setup an automatic payment. One month after XXXX XXXX credit card collection department is calling me again cause sometjing went wrong on the enrollment process but when i ask what went wrong the answer is i dont know. But a representative called me XXXX and confirmed that im in the program. Now to enroll again they are asking for another downpayment. I paid it to enroll but its a hardship for me cause all the while i thought im already enrolled and just going to pay the minimum amount due. Now i have to pay more than what im expected and thats very hard.
Product: Debt collection

Mandarich Law group, LLC filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : XXXX XXXX XXXX XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. Mandarich Law Group , LLP representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce Mandarich LLC to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.
Product: Debt collection

Acima Digital Fka Simp is falsely reporting a Auto loan on my profile. this not accurate and a result of identity theft. i do not recognize this account. i ask the company to provide the original Contract with a Verified wet signature and any proof they have that this is my Auto account. as per federal laws if any information is reporting falsely on my credit report they must remove it. this is affecting my finically negatively and i would like it removed immediately or i will Sue for damages.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed. The credit bureaus did not do as I asked. I'm providing a identity theft report, and I am requesting the Inquiries to be removed because they are inaccurate and not mines.
Product: Debt collection

Grant & Weber Last week I checked my cr I saw this company had my debt from a hospital stay, I owed {$31000.00}. 
I called the hospital yesterday and was told I owed nothing. My insurance covered it. I contacted the company and they told me I needed to recontact the hospital. For what?!! This is a scam!
Product: Mortgage

Mr.Cooper has increased my mortgage payment. They have issued a force play stating my property taxes for 2019 were not pd. I have been trying to resolve this issue with several phone calls and emails since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that I didn't not authorize 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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion sent the information to XXXX provided by me but they are refusing to send me the information from XXXX that they received which is a violation of the below statute 611 2 ( B ) of the Fair Credit Reporting Act. 

They are causing injury to my reputation without providing proof of verifying the account. By not providing me with the documentation used to verify the account, I do not have the ability to refute the information received by Transunion. 

611 2 ( B ) the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email Address : XXXX Telephone Number : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXXXXXX Unlawful Use of XXXX XXXX XXXX Experian Credit File Account Dear Sir/Madam, I am writing to address a serious matter concerning my Experian Credit File account and its connection to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX True Link '' ). My name is XXXX XXXX XXXX, hereinafter referred to as " the Complainant. '' On XX/XX/XXXX, I had discovered unauthorized activity onto my Experian Credit File account, indicating that individuals may have utilized fictitious, similar, or identical names, and potentially altered their legal names to match mine, in order to establish XXXX XXXX XXXX accounts without my consent. 

It is evident that these individuals unlawfully accessed and misused my Personal Identifiable Information ( PII ), including my social security number, date of birth, address, and etc. to create these accounts. True Link has been complicit in this unauthorized activities by both improperly accessing my Experian credit file account and reporting inaccurate information without my consent. This was noted on XX/XX/XXXX, and XX/XX/XXXX, wherein XXXX XXXX falsely reported my legal residential address incorrectly that does not exist that perpetuate their fraudulent activities despite my lack of any association with XXXX XXXX services. 

I must emphasize the severity of this breach and its implications for my identity security and privacy rights problems. I am demanding immediate action from True Link to close any VISA accounts linked to the misuse of my PII with Experian. Failure to comply will result in legal consequences for True Link, as True Link business establishments are directly responsible for the breach of my Experian Credit File account and subsequent identity theft issues. 

Furthermore, I am legally entitled to receive all pertinent information from XXXX XXXX regarding the individuals who established these accounts using my PII without my authorizations. 

I urge XXXX XXXX to take prompt and decisive action to rectify this situation and prevent any further harm to my personal identifiable information and credit reporting agencies accounts. Failure to do so will result in legal action being pursued to safeguard my rights and hold XXXX XXXX accountable for your actions. 

Please refer to Exhibit A for additional details regarding this matter. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments l 've attached a copy of my report on the following dates I'm now requesting you investigate with verifiable proof I had late payments if this information can not be verified I demand these payments be updated to " paid on time never late '' immediately thank you for your understanding and prompt action.
Product: Debt collection

Portfolio collection agency started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all   XXXX   bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 2,6 financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I pawned a heirloom ring with EZ Pawn, XXXX XXXX XXXX XXXX, XXXX, CO. I paid faithfully and on time for 10 months. When I went to redeem my property on XXXX/XXXX/17, I paid the remaining balance of {$300.00} and was then told that my ring was lost or stolen. The store manager, XXXX, stated that they looked everywhere for the ring, viewed security footage, and determined that a store employee must have stolen it! I was not offered a refund on my monies paid in, or compensation for the value of the ring. I was told to " go home, and wait 48 hours, and we will contact you ''. I was resolution.
Product: Credit reporting or other personal consumer reports

This complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


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

XXXX XXXXXXXX Last reported XX/XX/XXXX {$48000.00} Reported balance Highest balance {$57000.00} You've paid off 15 % of this loan OVERVIEW Highest balance {$57000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 74 months ( 6 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Individual Remarks Repossession Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See a mistake ?

You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It w
Product: Mortgage

When closing on my home I learned there is a second lien from a modification back in XX/XX/XXXX through XXXX XXXX XXXX. My loan was sold to a new provider Bayview loans in XX/XX/XXXX. The 2nd lien was then assigned to Bayview from HUD. Bayview then sold my loan to XXXX XXXX. My credit report was listed as paid in full with Bayview loans and my understanding was the deferred loan was sold into my account to XXXX. Bayview did not disclose to me that they would still hold this loan.As I was closing on my home, the title agent pulled the second Loan which still belongs to Bayview. I pulled my credit which states paid in full but Bayview insists I own this loan. XXXX servicing my current lender is unaware of second loan as this was not disclosed to them. Due to this outstanding amount of over {$100000.00} I lost all equity in my home and unable to purchase a new home. Bayview will not compromise on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed XXXX account XXXX on XX/XX/2023 they complete a bit investigation in less than 24 hours saying it was verified. With the results showing no accurate days just the month and the year. Fcra state they have to report accurate dates and none of these are accurate the dates have to be exact. And they do not have that .... there is no way they did a proper investigation in less than 24 hours
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found an inaccurate account that is reporting. I have made a list of the inaccurate account that I would like removed. I am in the process of purchasing a vehicle and I can not get access to loans. Please review all of my documents and remove the account that is listed. 

I contacted TransUnion on XXXX requesting an incorrect account be removed from my credit profile. They refused to do so.
Product: Debt collection

I have an Insurance with XXXX XXXX ( Workers ' compensation ) I asked the Agency to cancel my Insurance My Protection, XXXX XXXX XXXX they refused to cancel, and they did not provide the request to the XXXX company after that the sent me to collection Agency XXXX XXXX. XXXX , XXXX XXXX XXXX XXXX , IL XXXX Toll Free : XXXX Ext XXXX Local : XXXX Ext XXXX XXXX I e mailed them all the prove ... but still getting threat from them, finally i asked me to take me to the court, but still getting a threat from them
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 has violated My rights XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX # XXXX has violated My rights XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX  # XXXX XXXX # XXXX Experian # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.
Product: Credit card or prepaid card

Creditor, Capital One, continues to report on a charged off account. The account was sold to a collection agency in XX/XX/XXXX. In spite of the fact that the account was sold to a collection agency, Capital One continued to report negative and late occurrences to the credit reporting agencies for approximately the past 32 months and thereafter. 

The debt has since been satisfied and the collection trade-line deleted from my credit profiles. Although the debt has been satisfied and deleted by the collection agency, Capital one continuously re-ages the account month after month as it is indicated by the credit reporting agencies and reflected in my credit profile. 

It is to my understanding that an original creditor can not report on a closed or transferred account. Therefore all reporting should have ceased over 3 years ago. 

I have written a letter to Capital One on 2 separate occasions ( XXXX and XXXX ) to request of Capital One to correct the error with no response.
Product: Student loan

What happened the school got closed do to class action law suit. The loan debt was over fifty thousand. as well as the federal loans are part Of Navient witch is also had its suits
Product: Credit card

ACCOUNT CLOSED BY XXXX XXXX but it says pays as agreed.
Product: Credit reporting or other personal consumer reports

Due to the recent data breach ( social security numbers ) my information was exposed and I have addresses and accounts in states I have never lived in before. Upon checking my annual report.
Product: Debt collection

I took out an auto Loan with Carmax Finance. Carmax has called my employer on several occasions. I called Carmax and asked them to only call my personal phone number which I provided to them again and not to call my employer. They continued to call my employer several more times, and i have repeatedly called them to stop doing this and only call my cell phone.
Product: Debt collection

I am trying to fix my credit report, I filed a dispute on some of my debts. On XX/XX/year> I received a letter in the mail from a lawyer on behalf of the this company. It's stating that I am being sued. 
And on XX/XX/XXXX, I was served papers by someone whom delivered these papers to my front door. 
I am still disputing this debt and I want to file a FCRA, against this company. 
I wasn't notified that the information in my file was being used against me. So I am disputing this lawsuit against me as a violation of my rights. 
The amount is {$710.00} and the action this company is taking against me is a DEBT CLAIM CITATION.
Product: Credit reporting or other personal consumer reports

It shows that on XX/XX/2023 by COMENITYCAPITAL/SEPH I had a new hard inquiry on my account through XXXX XXXX They also emailed me about it, and I haven't opened any new cards or accounts.
Product: Money transfer, virtual currency, or money service

My Zelle account was closed and {$2500.00} was taken from my bank account unwillingly.
Product: Student loan

My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start this a new job that these issues are making more difficult than it should be.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TRANSUNION refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$9900.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX