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

I sent the following letter to XXXX XXXX and Transunion all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( XXXX, XXXX or Transunion ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

THE COMPANY, LVNV FUNDING LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
Product: Checking or savings account

ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX  XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I changed homeowners insurance to get lower rate. 
I did everything I had to do according to Carrington Mortgage co. And within the required timeframe. In fact I made a payment over the phone to assure me of this in XXXX. I was assured it would adjust my payment lower. 
My mortgage actually went up! And my next scheduled payment is more as well. 
How did my payment go up when my escrow went down? Would you have kept with the higher payment if I had not called again? ( XXXX or XXXX call in a months time ) This is shady, and borderline predatory. One of the MANY PROBLEMS Ive had since Carrington took over my loan. This will be my last problem.
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692c - communication with a debt collector, I never gave these people my information and they are considered or better yet known as a debt buyer. this is my putting XXXX XXXX on notice that this is a cease and desist. which is a legal refusal to pay a debt. which means no communication what so ever pursuant to federal laws. further more! pursuant to 15 USC 1681e ( b ) - compliance procedures. ( b ) Accuracy of report // 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. have have has this corporation been able to defame my reputation which is also better known as my credit for so long with out any over sight from the actual credit agency. which leads me into the following issue, which are supported by case law, the assumed to be creditor which are really collection agencies, have been misrepresenting the debt for quite some time now, this corporation openly admits to being a debt buyer and not the original creditor henceforth they are unable to provide a contract or validate the debt. they have deleted the information from XXXX yet still report on experian and transunion. 
account number XXXX and have also just within the last two years on the experian and transunion credit profile reported missed payments. which have lead to defamation and are causing financial injury pursuant to XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. XXXX XXXX XXXX XXXX. the fine equaling the extent of damages incurred by the wronged party as deemed by the courts. which just with missed payments alone equals {$24000.00}. Which I am certain any district court willl rule in my favor after presenting the evidence. 
further more! this misrepresentation of the debt which is against federal law and there are protections prohibiting such behavior and protect me the consumer from such actions pursuant to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX ), and the protection under the fair debt collections act which was passed in by the XXXX XXXX XXXX XXXX XXXX and copied into law on XXXX  which can be found in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been applying for credit cards but I am being told that my score can not be computed because I have no XXXX score, but around XXXX I did have a fine score., now I can not apply for credit due to this fact
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCT # XXXX CBE GROUP ACCT # XXXX According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail
Product: Mortgage

Hi, I have been trying to work out a modification with Mr. Cooper for the past few months. They have now offered me a modification ( 2nd One ) extending the loan for 15 years with a reduction in interest. Please see attached letter for the exact breakdown. If you amortize the existing loan at 2.875 % for 26 years the payment should be {$1800.00}.

I have also been approved for a Mortgage Grant of {$30000.00} thru a nonprofit organization. Mr. Cooper says I can not get the modification if I accept the Grant. 

Mr Cooper is trying to rip people off. I need to know how they came up with the amount of {$1900.00}. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # XXXX was previously submitted to CFPB on XX/XX/XXXX. The complaint was sent to company on XX/XX/XXXX ; on XX/XX/XXXX, the company responded stating they were still working and on XX/XX/XXXX, the company responded with XXXX closing the case. The company response on XX/XX/XXXX is shown below and it stated " As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. '' The credit card account ending in XXXX ( previously XXXX ) was opened on XX/XX/XXXX. Due to non-payment, the account charged off as a loss to the bank on XX/XX/XXXX, with a balance totaling {$6500.00}. Subsequently, we agreed to settle your outstanding balance for {$3700.00}. This payment was received on XX/XX/XXXX. As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. Please understand due to the extensive research and complexity involving your case additional time is required to fully address your concerns. The typical resolution time frame is up to 60 days or more ; however, it is possible that we may resolve your concerns earlier. We apologize for the time it is taking to address your concerns and we do thank you for your patience while we research this matter on your behalf. I will continue to work on your case until a conclusion is reached. When our research is complete, we will respond to you directly. 

The company 's point of contact regarding this matter was XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints at Bank of America. Phone # : XXXX, extension XXXX. I have reached out to her many times via voice mail and email and have not received a response back I am respectfully requesting that CFPB reopen this case and contact the creditor ( Bank of America ) for resolution to my complaint. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as an inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to a verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. ill 3. My disputes have been dismissed without proper reinvestigation, as required by law.

I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA.
Product: Debt collection

I received this creditor statements on my credit report with the Acct : Status Account charged off. $ Account charged off. {$10000.00} written off. 

I am requesting a 1099 C since it was charged off and written off because I did not receive one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the letter that I. wrote to the student loan bank. I called the bank and they do not have anything in their records but the reporting agencies still have the info. on their records. I have disputed through them and nothing has changed. 

XXXX AES/XXXX XXXX XXXX  XXXX XXXX, PA XXXX USA Dear Sir/Madam : I am writing to dispute a late payment that was placed on my credit report from AES. I recently started 2 new jobs so I can make enough to endure inflation, exuberant expenses while I pay off my debt acquired by the last 2 years of changes. Your debt is one I plan to pay off this year hopefully. My account was deferred during Covid as my income was reduced tremendously just like the rest of the world. I just started 2 new companies and onboarding 2 new companies is a living nightmare as both positions are full time and production based. My 1st position is as a XXXX  XXXX, relies heavily on my score to maintain my license to work. If my score drops, I could lose my license and the ability to pay off my debt. The second position as a XXXX XXXX XXXX has a huge learning curve for me. If you send emails, I may have missed them as I get a lot of emails on my personal inbox and do not have the proper time to go through all of them as well as 2 other inboxes for each employment and they are all bombarded with emails. 

Furthermore, I did not receive proper notification that the account was out of forbearance or even late which I believe is in violation of the fair debt collection practices act. When I got notification on my credit reporting app that my score plummeted from XXXX to XXXX a XXXX point drop! I almost had a heart attack because of 3 late payments, I immediately checked and noticed it was your institution. I signed on to your site and noticed you still had old contact information which I have updated in the past and updated again this time around. I am not sure why it remains on your records. The reason for such a big drop is because my AES account shows 3 late payments but I only have one account with 3 loans. I have been working very hard to maintain a 100 % payment history throughout the whole covid. My scores were soaring in the XXXX by XXXX and dropped as I had to switch positions and use more of my credit during the transition, still my payment history was intact. Regardless of my life changes my score has never been this low ever since my divorce 10 years ago. 

I am requesting that the charge be removed as I have updated the account, paid all late fees and set it as automatic payments until I can pay it off. I can not afford to lose my license and my ability to pay my debt because of this mistake. Going back to one job will put me and my single parent household family in a bad position financially. I really appreciate your help with this matter and your time investigating your records and rectifying this reporting issue. I have included proof of how this is affecting my credit and the dispute form. Thank you for your assistance with this problem! 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} 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

XXXX appears on credit report as debit owed. Im not aware of this account and reported as a fraudulent account. I contacted the company who could not verify my SS # stating they don't know it. Contacted Eqifax who clams it was verified. How can Equifax claim I was verified when the company don't know my SS #. They only have a name and address and DOB that was breached When I called Equifax they took me through a process to verify me and said I was off by a balance and refuse to give me information. Equifax then informed me that mt FTC report was invalid because I did'nt have the exact dates of the inquiries. I was advised mt FTC report needed to be updated and it would be removed within 4 days, Nevertheless they still continue to report this false information on my credit report. This information was told to me by Equifax XXXX XXXX id number XXXX
Product: Debt collection

XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the XXXX XXXX XXXX District of XXXX XXXX against me for the amount of {$3100.00} which occurred on XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX # XXXX XXXX LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} 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 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX FUNDING # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

American Express Date Opened : XXXX Balance : {$1000.00} Spoke with Amex fraud dept and they launched a investigation. I filed a police report with my local police dept XXXX XXXX. Report # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I requested that westlake financial cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXX and now that the new law have passed its XXXX in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I have a collection account on my credit report that does not nor has it ever belonged to me. I have tried to resolve this issue directly with all 3 of the major credit bureaus and the company. The account in question is a collection account for {$680.00} from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I sent the company a certified letter, of which I have enclosed the receipt from the USPS and my credit report as of XX/XX/XXXX. They never responded to my request. I have recently checked my XXXX credit report and the same debt is reporting as a Collection account and a Closed Act account. I would like this account deleted permanently from my credit report as soon as possible.