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

In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt collectors. Recently I noticed my XXXX XXXX dropping as the charged off balance was " increasing '' every month. We disputed it with Transunion. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting Transunion but they stated they only report what the debt collection company tells them. I can't do anything about it. XXXX XXXX was the debt collector.
Product: Mortgage

We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights 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.
Product: Credit reporting or other personal consumer reports

Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, and a government-issued ID. Despite receiving this documentation, Experian failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. This lack of compliance contravenes established legal precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX New York, which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Furthermore, Experian 's disregard for its obligations under the XXXX XXXX bulletin exemplifies a systemic failure to uphold consumer protections mandated by the FCRA. The complaint number for my previous submission is XXXX, which was submitted on XX/XX/XXXX. I request that Experian immediately block and remove the fraudulent accounts from my credit report, provide a detailed explanation of the steps taken to verify the disputed accounts, and ensure compliance with 605B and 611 of the FCRA moving forward. Experian 's failure to address this issue promptly and in accordance with federal law has caused significant distress and harm to my financial well-being, and I urge the CFPB to investigate this matter thoroughly and ensure accountability for their non-compliance.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld Systems , Inc, for committing identity theft. I have never given Transworld Systems , Inc, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems , Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems , Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems , Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems, Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

We enrolled into XXXX XXXX XXXX  in XXXX. They told us we did NOT need to make XXXX payments to our credit card companies since they were deducting the amount on XX/XX/20. Now my credit report is showing 30 days past due in XXXX XXXX and XXXX for XXXX missed payment. Had I been properly informed that this would report as late on my credit report I would have made the payment on time. I have never paid anything late and this is very bothersome to me. My account is current.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices.you need to cease and desist all collection efforts
Product: Credit reporting or other personal consumer reports

I am a XXXX veteran who had his home motgage account of approximately 17 years get sold to another mortgage company. During this process I was falsely informed of what I was to pay and how the process worked that subsequently lead to erronious information regarding my payment history was added to my equifax credit report. 
This mortgage being a VA mortgage blocked me from obtaining a new VA home loan due to the misinformation falsely reported by XXXX XXXX on my equifax credit report and threatens to now make this XXXX veteran homeless. After 25 years of service and multiple overseas tours I am devestated by what is happening to me.
Product: Debt collection

Subject : Cease and Desist Request Under FDCPA Section 1692XXXX ( c ) | Account Number : XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), that you immediately cease and desist all attempts to collect the alleged debt associated with the account number XXXX. You are prohibited from contacting me by any means, including phone, email, postal mail, or other forms of communication, except as permitted by law to notify me of the termination of collection efforts or any legal action you intend to pursue. 

In addition, I request full validation of this alleged debt to ensure its accuracy. If you intend to assert that this debt is valid, you must provide the following documentation : 1. A complete account history, including itemized charges, fees, and payments made on the account.

2. Evidence that Absolute Resolution Investments has the legal authority to collect this debt. 
XXXX. A copy of the original signed agreement that created this debt. 

Failure to provide the requested documentation substantiating the validity of this alleged debt will be considered further evidence of unlawful and deceptive practices. 

I also remind you of the legal precedent set in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. 

Please be advised that noncompliance with this demand or any continued attempts to collect this alleged debt without proper validation may result in legal action being taken against you. I reserve the right to pursue all remedies available under federal and state law, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), state regulatory agencies, or initiating a lawsuit for damages and attorneys fees as permitted under the FDCPA. 

I expect written confirmation within 15 days of receipt of this letter that you will comply with my cease-and-desist request and provide the requested documentation if you claim this debt is valid.
Product: Mortgage

My complaint is with Freedom Mortgage. I have had my mortgage with them over the past couple years when it was transferred from my previous servicer. My mortgage has never had an escrow and I make my own property tax payments and have always been current on taxes and mortgage payments. In fact, until this, my credit score was XXXX XXXX XXXX XXXXXX/XX/year> they opened an escrow account to pay property taxes on my home that were neither billed yet nor due. I called and tried to explain the error, got transferred around to various departments and no one could figure out why. I paid my property taxes in early XXXX as usual before they were due and sent them the receipt. My county assessor told me Freedom would need to initiate getting refunded for what they paid in error. So instead of fixing the error, they adjusted my mortgage payment up to reflect the deficit balance in the new escrow account they opened, instead of going back to the county assessor to get the refund. During this time, I have continued to pay the regular mortgage payment I always have. 

Fast forward 6 months later, despite multiple calls and emails, they still haven't corrected the problem. They have now deemed my account delinquent and have submitted to the credit agencies and now my credit score has taken a dive. 

During all this, instead of fixing the problem, they have continued to spam me with emails and texts with promotional offers for mortgage rates, cash outs, prequalifications, etc while still sending me delinquent notices and reporting me to the credit agencies. 

I am at a loss on how to fix this. I have spent HOURS trying to correct a problem they created, and despite me sending all the documentation they've asked for, they are not correcting the problem. The agent I spoke to this morning, XXXX XXXX XXXX XXXX XXXX XXXX was downright rude to me and would not escalate the problem to someone who could help. 

Can you help resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with XXXX and Trannsunion.I used the score simulator offered by XXXX   and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as XXXX XXXX and believe I am being penalized for not taking the action they want.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX, and I applied for a Reverse Mortgage in XX/XX/XXXX with XXXX XXXX, now it is being service by XXXX XXXX. I have kept the property in impeccable condition and have kept Insurance and pay on the Taxes when due. 
In the fall of XX/XX/XXXX following a storm, I was doing repairs on the Subject Property, and felled on hit my head on the pavement below. I did not go to the doctor, and over time the concussion caused a XXXX to develop and interfere with my memory, cognitive skill and I acknowledge, that I did miss my XX/XX/XXXX Tax Payment due no later than XX/XX/XXXX. 
I received a notice for XX/XX/XXXX and it showed a unpaid tax for XX/XX/XXXX, and when I contacted the Tax Collector office, they told me it was paid by my Lender Nation Star on XX/XX/XXXX. 
I HAVE NO PHONE NUMBER FOR NATION STAR. I called XXXX XXXX XXXX and could only talk to a robot. With my head injury, and little knowledge of XXXX, I was befuddle as to what I should do. I tried to pay the XX/XX/XXXX Tax, in XX/XX/XXXX, before going into the hospital, but was told that Nation Star had already paid. While I was in the hospital in the Intensive Care Unit, I received a Foreclosure Summons from the Attorney for Nation Star. I am XXXX years old, my Spouse suffers from XXXX, and I can repay the Bank for the Taxes they paid, but neither XXXX XXXX or Nation Star ever contacted me by phone, or letter about repaying the Taxes. I do not want to lose my home for XXXX. Seniors should not be treated this way by hauling them into Court on wheel chair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. someone else applied in my name.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account number { XXXX Account name { XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Continues to enact improper reporting practice on my credit bureau. They have merged my file with someone else 's. There is a Chapter XXXX and Chapter XXXX Bankruptcy listed my report that belong to another XXXX XXXX. I have attached a copy of my drivers license as proof of my identification. I have also attached copies of my leases dating back to 2010 to prove my whereabouts. I have attached copy of the discharge papers obtained from the court. The XXXX XXXX listed here has another social security number, as well as a different address. My social security number as noted on my credit report is XXXX. I never lived at XXXX XXXX XXXX in XXXX IL. Please immediately remove these erroneous listings from my credit report.
Product: Credit card

Initiated a {$4400.00} balance transfer on XX/XX/XXXX. Stated 0 % until XX/XX/XXXX. Paid a fee of {$220.00}. I received the account statement today showing the entire balance transfer amount and fee are due now. I called to ask why the promotion rate was removed. I was told that in the disclosure it states you can not use the card for purchases after the transfer. I advised the representative that was not shown in the disclosure I read. I asked to remove the balance transfer fee as it was no longer being honored. He tried and the request was declined. I asked him to submit feedback to his supervisor that the disclosure did not clearly state that the card could not be used for purchases. I expressed my discontent with the fact he couldn't help at all. I was misled and not informed of the full disclosure when I initiated the transfer. I don't want this to happen to anyone else.
Product: Bank account or service

XXXX children submitted a Power of Attorney form to the Bank of America office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX XXXX - XXXX, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition with the fair credit reporting act Has violated my rights. 

Account # XXXX Re Late payment 15 U.S code 1681 section 602 A states I have the right to privacy.

15 U.S code 1681 section 604 section 2 also states a consumer reporting agency can not furnish a Account without Mt written instructions.

15 U.S. code 1666B A creditor may not treat Account under open and consumer credit Late for any reason.