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

This charges on my credit report is a result of identity from XXXX data breach
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B likely mandates that we remove any erroneous accounts from my credit report. Could you check the documents? There are inaccuracies in the reporting, with incorrect amounts and dates listed.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name Upgrade 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 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 XXXX 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

The Department of Defense has a charge off on my Experian file ( acct. prefix XXXX Dollar amount {$2000.00} ). This was a bonus payable if I remained in service for a period of time. I left prior to that time period in XX/XX/XXXX. The DOD placed the item as a COLLECTION on my file in XX/XX/XXXX.

They did not comply with the FCRA obsolescence guidelines to remove it in XX/XX/XXXX. In XX/XX/XXXX, they changed the status from a collection to " charged off '' and moved the obsolescence date to XX/XX/XXXX based on that action. This means that a collection that actually started in XX/XX/XXXX, would remain on my file for FIFTEEN YEARS. 

I disputed this with Experian, XXXX XXXX and XXXX. XXXX XXXX and XXXX properly removed the item. Experian did not. This is a clear violation of the FCRA Section 605 ( a ) ( 4 ) and clarified in Section 605 ( c ) ( 1 ) with regard to the seven year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!
Product: Credit reporting or other personal consumer reports

All this year and all of last year each time I request to view my credit profile I was not allowed to. Transunion had me do several different things which did not help.
Product: Debt collection

I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date.

Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure.

Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I got a copy of my credit report and I have inquires that I didnt not request on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my transunion, experian, and equifax credit report.1XXXX XXXX, Inquiry date:XXXX,2.XXXX, Inquiry date:XXXX,3.XXXX, Inquiry date : XXXXXXXX,4.XXXX XXXX, Inquiry date:XXXX XXXX Inquiry date:XXXX,6.XXXX Inquiry date:XXXX,7.XXXX XXXXXXXX Inquiry dateXXXXXXXX,8.XXXX XXXX, Inquiry XXXXXXXX XXXX,9.XXXX XXXXXXXX, Inquiry XXXX. 10.XXXX XXXX, Inquiry date:XXXX. 11. XXXX XXXX, Inquiry date:XXXX. 12. XXXX, Inquiry date:XXXX. 
13. XXXX, Inquiry date:XXXX. 14 XXXX XXXX, Inquiry date:XXXX. 15. XXXX XXXX, Inquiry date : XXXX. 16.XXXX XXXX XXXX Inquiry dateXXXX XXXX. 17. XXXX XXXXXXXX, Inquiry dateXXXX, 18. XXXX XXXX, Inquiry date:XXXX. 19. XXXX, Inquiry date : XXXX. 20XXXX, Inquiry date : XXXX. 21.XXXX XXXXXXXX XXXX Inquiry date : XXXX. 22.XXXX  XXXX Inquiry : XXXX
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 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 provided my lender ( PHH Mortgage ) with my insurance information ( XXXX through XXXX ) twice via the email address that was given to submit insurance changes. This was done in XX/XX/XXXX ( when my policy was due to expire/renew ) and again in XX/XX/XXXX because XXXX said XXXX hadn't received payment yet. I also called and spoke with a representative twice to confirm I was doing the right thing. 

At the end of this year ( XXXX ) I had significant escrow shortages ( {$4200.00} ). Unbeknownst to me, PHH Mortgage just didn't make any insurance payments from my escrow account to XXXX, my insurance policy lapsed and they set me up with some lender-appointed insurance company with which I had paid over {$3000.00} in insurance premiums ( even though the " premiums '' for whatever insurance they stuck me with is only {$2500.00} ) They never reached out in regard to this new insurance, they never asked me to find different insurance, and they won't provide me with documentation on what this insurance even is! 

When I called they said " We sent a check to XXXX and they returned it to us '' When I called XXXX to confirm this, they said they never received payment and if they did, they cash all checks and send payments back to the homeowner, not the lender. PHH Mortgage is not answering questions or reimbursing me.
Product: Debt collection

I am submitting another complaint against MCA Management previous complaint number XXXX ). 
The alleged debt MCA is ruining my financial reputation for, was never validated by me, the Consumer! Per Federal law, the Consumer is the only one who can validate an alleged debt! Not even a COURT OF LAW CAN DO SUCH. I have disputed several times and yet they continue collection activity. 
I have sent multiple validation letters since XXXX and they have never provided any permissible purpose for this alleged debt. They have not provided documentary evidence of an agreement between their Company and myself indicating that I gave them the express written consent to access my nonpublic personal information, or furnish ANYTHING to my credit without my consent! They don't possess such authority. 
They claim the laws I have cited do not apply to them which is FALSE! They are governed by the FCRA and FDCPA, and these laws do in fact apply to them. 
Additionally, if this transaction is FACTUAL ( which has not been proven ) it STILL should not be on Consumer report! The law says just that! Factual non public personal information SHOULD not be furnished to my Consumer report without my consent. Transactions are considered non public personal information. There is nothing in the FCRA or FCDPA that says they can furnish ANYTHING on my behalf without my permission! I decide what goes on my Consumer report, not them, or any CRA! 15 USC says that my report is to be fair and equittable to me, the Consumer. What they are doing is unlawful and it needs to be addressed properly. They can not provide me with any proof that they are lawfully operating in accordance with the FCRA and FDCPA. 
Additionally, they claim this debt is mine, and was not paid but what probable evidence do they have indicating such? None whatsoever. 
They are using unfair, extortionate means to attempt collecting on alleged debt which against the law and my rights as a Consumer. 
They have broken the law! 
And them hanging up in my face, continually and then blocking my number for exercising my RIGHTS was uncalled for. I put the BURDEN OF PROOF on them and it obviously intimidated then. How is it harrasment to call and demand answers for why they are attempting to ruin my financial reputation. They are a debt collector which means they are governed by the FCRA AND FDCPA, yet they refuse to follow the law. They even told me, they don't have to follow any of the laws I've indicated which is false! 
I have attached the letter and email sent back in XXXX requesting disputing alleged debt as incorrect, and requesting validation.
Product: Debt collection

I have received continuous calls despite filing complaints about this company calling about a debt that is not owed. They are claiming to be representing Sychrony Bank in a breach of contract allegation against me. I have reached out to Synchrony via the CFPB and they responded with details that this company is not representing them. Additionally they said that due to the age of the debt ( 15 years ) they are no longer collecting on it and no collectors should be continuing to do so. 

The callers have never given clear indication of who they are. They have said their name is multiple different things every time they call. This time they said they were XXXX and XXXX. However a search of the phone number given as their contact goes back to a XXXX XXXX XXXX. The first time they called they tried to claim I owed $ XXXX. I made it very clear to them that I had contacted synchrony and that not only do they not have a lawsuit against me, they are not being represented by this company. The woman in the phone quickly backpedaled say it is them that has the debt. I told the woman Im not paying anything without debt validation showing this debt is still in the allotted period for collections and they can show me documentation that it is synchrony collecting the debt. They do not provide this information and just hang up when asked and refuse to take calls from you after.
Product: Debt collection

Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX
Product: Debt collection

I was notified via XXXX  email alerts that there had been a hard inquiry made on my credit. I had not applied for any new lines of credit but saw that Midland Credit Management ( MCM ) had made a hard inquiry on XX/XX/2022. I called to dispute it but was told that there was a note on the file that only MCM could remove it from my file. When I contacted MCM directly, they said they do not report inquiries, which is just patently untrue as a rule because we all know that inquiries are reported and make everyone 's scores immediately drop. I am not sure why they are even poking around in my file at this time. They had been harassing me for years and there is even a cease and desist letter in their files that they referred to several times. I do not owe them any money and there is no record in any of the XXXX bureaus.
Product: Credit reporting or other personal consumer reports

I have an account with Concora Credit ( milestone credit card ). I contacted them to advise them of XXXX accounts showing on the page with I long in and on my credit report. Their customer service representative advised she did see this and would submit the necessary paperwork to have it investigated and corrected. She advised she would lock the XXXX account and ended up locking both accounts. Which meant I could no longer access any information or make a payment to the account at all. Once their investigation was completed the company advised of no wrongdoing and that they saw no issue. However, with the photo evidence you can see that this is truly incorrect. Now they are reporting that I am 60 days late on my credit report. Destroying my credit score. Please see evidence attached. I have attempted to work with them to resolve this issue which I have done my research and found that I am not the only XXXX this has happened to. Please assist me in correcting this issue.
Product: Credit reporting or other personal consumer reports

XXXX my identity was stolen, taxes was filed fraudulently in my name, from then until now i use a XXXX XXXX to file taxes. plus more charges have been made on my credit report that i know nothing about. all need prove for the credit bureau stating these are false charges all debts and liens.
Product: Mortgage

In XXXX 2016 we lost out on a short sale buyer for our home due to Select Portfolio Servicing Companies customer service department not providing updates to the real estate agents for the buyer and seller in a timely manner. The poor communication caused the seller, myself, who has Select Portfolio as my loan servicer to lose the sale ; the buyers pulled out of the deal. A complaint was filed with CFPB by myself based on SPS loan servicing issues. I was contacted by theOmbudsman office who did not relive the complaint but stated that all we would need to do was obtain another buyers contract and we could submit all paperwork to their office to prevent the same issue happening again. Another contract was obtained and all of the paperwork was submitted on XXXX XXXX, 2016. I soon received communication from SPS that they did not have a HUD1 on file. After communication with Ombudsman it appeared that they had the correct paperwork the entire time, once again delaying the review process due to their negligence in reading the paperwork. Two weeks into a review SPS decided to do a second BPO which they did not inform us in the beginning they would need. Now that they have a fully signed contract with everything they need they have come back and said that they are counter offering for a higher amount, once again possibly causing our seller to back out of the deal. The offer was made by the seller due to SPS stating to the sellers real estate agent that they only wanted XXXX from the sale. With the newly submitted a contract they would be getting the amount they said they wanted. Now SPS is stating that the XXXX came back at XXXX and they are now requesting more money. It appears that each time Select Portfolio gets all the information they need, they either wait too long to update files causing the sellers to pull out or they find another loophole to prevent the short sale from happening. Each time the sellers provide everything SPS request SPS finds a way to compromise the short sale. The sellers are now at risk of being sued by the buyer due to breach of contract because the buyer make their offer and the XXXX that SPS initially approved. The buyers have completed all inspections and appraisals and select portfolio is now compromising the new contract. The home is not worth the XXXX BPO that was completed by XXXX XXXX. We would also request select portfolio provide to us as the counters all information that supports the XXXX XXXX along with approving and excepting the current contract for short sale. The current XXXX of XXXX SPS is choosing to use now does not accurately represent the worth of the home. When the home was initially listed 9 months ago it was listed in the XXXX range there were no offers the home has been on the market three months short of a year and did not get any offers until the price was lowered to the short sale price. There have been numerous showings on the home that resulted in no offers this information can be validated and obtained from the sellers real estate agent.
Product: Debt collection

I specifically told them to stop contacting me by phone numerous times since the beginning of this loan they continuously call me day after day and have threatened to say that if I don't pay it will go to collections even though I'm within the grace period very unprofessional and I'm pretty sure they've done this to a lot of other people and have violated FDCPA regulations.
Product: Mortgage

loan officer continually posts Interest rate without APR. I asked for the same Rate and APR since on her XXXX post it only states the PAR conventional Rate and no APR. was told no