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

The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Would like all recent credit inquires throughout my report, any bankruptcies, late payments, recent accounts opened to be removed, any collections on my account, any medical bills, any repossessions. There has been a data breach with all credit bureaus. My information was clearly stolen. According to the Code 15 USC 1681, 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA aims to protect the privacy and accuracy of consumer credit reports. 
I, Require consumer reporting agencies to be fair, accurate, and confidential I, Require consumer reporting agencies to adopt reasonable procedures It allows users to disclose the contents of consumer reports to consumers Please remove all unnecessary information due to the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a negative impact on my credit report with experian. The comapny was XXXX XXXX  who is an ambulance provider. The original debt is a little over {$2000.00} and with the interest they have charged me its over {$4000.00}. I offered them {$1000.00} all I had with no job and moving across the country along with the covid 19 going on. They refused the amount I had to offer. This account is 6 yrs old. Experian did not do much to get it off. It is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a Reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable Reponses, and dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Actually I have a car payment account.but, It dos n't reported my payment history.
Product: Mortgage

The reason I am filing this complaint is due to the fact that Shellpoint Mortgage Services as failed to provide me with the modification denial letter. I was advised by Shellpoint Mortgage after 14 months of review on XX/XX/XXXX that we were denied for the loan modification due to a number of factors. As of today XX/XX/XXXX I have yet to receive the letter. I have spoken with my Single Point of Contact on a number of associations and was first initially advised that I would receive the letter by mail in a few days. I followed up several times to only find out on XX/XX/XXXX by XXXX XXXX that the letter was not generated due to internal system error. She stated the file was closed out before the letter was generated however ; that the letter would be generated within 24 hours at which point she would fax a copy. I have contacted XXXX XXXX on a number of occasions and was only able to leave a voice-mail. Failure to provide the denial letter has impeded on my legal right to appeal this denial should any information within the content of the letter is incorrect. Shellpoint has exhausted over 3 weeks and now only leaves with me with a few days to appeal. In accordance with the Homeowner Bill of Rights Act, I was to receive a denial letter along with a 30 day right to appeal and Shellpoint has relinquished this right due to failure to generate such letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

12. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 
Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX CARD Account Number : XXXX This is not mine.
Product: Student loan

Between XXXX and XXXX, my student loans experienced multiple periods of forbearance and repayment without significant payments being made. Despite these extended periods of financial difficulty, I was not offered adequate repayment options such as income-driven repayment plans ( IDR ), which could have helped me avoid further financial hardship and loan default. 

Timeline and Details Forbearance Periods : Over several years, my loans were placed in forbearance multiple times. 
Each forbearance period lasted several months to over a year. 

Repayment Periods : During certain periods, my loans were in repayment status without payments being made, leading to confusion and financial hardship. 

Default Period : Eventually, my loans entered default status and remained in default until they were consolidated and brought back into repayment status. 

Actions by the Company : The company repeatedly placed my loans in forbearance without adequately informing me of alternative repayment options such as IDR. 
The company allowed extended periods in repayment status without payments being made. 

Impact : The frequent forbearance periods led to significant interest accrual and an increase in my loan balance. 
The lack of proper communication regarding repayment options contributed to my loans entering default, further complicating my financial situation. 

Requested Resolution : Retroactive Application of IDR : Apply IDR plans retroactively to the periods when my loans were in forbearance or default. 

Adjustment of Loan Forgiveness Timeline : Correct the forgiveness timeline to account for the periods that would have been covered under an IDR plan. 

Compensation for Financial Hardship : Provide compensation for the financial hardship caused by the mismanagement of my loan status, including excessive interest and fees accrued. 

Punitive Damages : Consider punitive damages for the undue stress and financial strain caused by improper handling and lack of communication regarding repayment options.
Product: Credit reporting

I have not received any correspondence from either XXXX or TransUnion during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting

I have been disputing accounts of my Trans Union credit file for over 6 months, and still get the same generic answer when the results are furnished. I want these accounts removed as they are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still inquiries reporting on my credit report. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
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 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.
Product: Credit card

For the last 3 weeks for 3 times each day, Saturday and Sunday as well, Capital one bank has called me and left a voice message about my account. I have told them to stop and they are refusing to.
Product: Credit reporting or other personal consumer reports

This account has inaccuracies. XXXX is Reporting this collection with a past due amount. This is a report error. This is inaccurate and needs to be removed immediately. I sent several letters for this account to be removed from my credit file.
Product: Debt collection

XX/XX/XXXX Exeter finance stole my, XXXX XXXX XXXX XXXX XXXX Automobile out of a driveway in XXXX XXXX, Illinois. I tried to resolve this with the company, but they have threatened and ignored all of notifications. 

I have sent several notices to Exeter finance regarding the automobile. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted Exeter explaining to them not to steal my property. I requested for them to stop harassing and Threatening me. I sent several notices to them explaining to them they were breaking the federal law and they continued to harass me and my family members.
Product: Checking or savings account

I received a settlement check from a previous employer and I deposited it but then the routing # was bad so they deleted my account I reached out to the bank and to the company sent me the check they need proof it was deleted because of the check I spoke to the fraud department they told me it was because of the check but they dont give out information do to the privacy act. I contacted the bank told them what had happen they investigated it and basically told me its my fault its my responsibility to take care of my account but how am I supposed to know its a bad routing number. Now I cant open a bank account anywhere because Im XXXX as fraudulent and this is not ok I want to sue the bank I cant pay any bills without my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so angry and frustrated with Equifax and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.

The companies I am reporting are 1. EQUIFAX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and Equifax is by far the worst credit bureau to deal with.
Product: Credit reporting

XXXX XXXX XXXX, and XXXX companies both these companies made my credit inquiries on the same day XXXX/XXXX/2016 without my authority. 

XXXX XXXX XXXX also made a credit inquiry on me without my authority.
Product: Vehicle loan or lease

I have requested on 3 separate occasions for my loan to be reported so that I can refinance it and get out of this outrageous interest rate, The company in turn refuses to report my loan so that they can trap me into this interest rate and not allow me to go elsewhere. I recently spoke with Manager XXXX XXXX XXXX  who states he has never heard of that practice however they sent me a letter stating they decided they do not want to report the loan to credit bureas. They put me in a 24 percent interest loan and every month they keep increasing the loan value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having issues with my credit and been checking my scores online with XXXX XXXX  and noticed XXXX Hard inquiry again someone use my info for fraud. They applied for a capital one card in XX/XX/2017 and took a loan in year XX/XX/2017. Also they have employment info as XXXX XXXX I never worked there or know what it is.
Product: Checking or savings account

When my CD account matured, I was contacted to renew the account. I had not decided what I wanted to do so I was offered a Money Market account at XXXX %. I opened the account and added additional funds totaling aprox. {$450000.00}. US bank paid the XXXX % for a couple months, then without notice dropped it to 1.01 %. My complaint is that at the time they lowered my rate to 1.01 %, they are offering Money Market accounts at 3.25 %, proving that they purposely misled me. My Rate was not lowered based on current rates, it was lowered for there own gain.
Product: Checking or savings account

On XX/XX/XXXX XXXX. The next door neighbor spotted 2 men in a white sedan parked in front of their house walking in front of my house and theirs checking mailboxes. The police were called and spoke to the men. They gave the police a phony story and were allowed to stay there. At XXXX I get a call at work from my mother in law that the men stole a plain white envelope from the XXXX XXXX. My mother in law asked what did they just take from you? The XXXX driver stated a plain white envelope addressed in my name that I never ordered. I found out after reading quickly through my emails the thieves XXXX over nighted a replacement chase debit card to my address. So I called Chase at XXXX XXXX  and told them what had just happened and to lock my account. All good right? No they put me on hold and send me over to identity theft department. While I'm on the phone with them for 20 minutes I watch my account in real time get debited {$980.00} at an ATM and {$8500.00} withdraw inside a Chase branch 5 towns away. The withdrawal inside the bank had a time stamp of XXXX XXXX  I was able to see that on my mobile app. This could of all been avoided if they had locked my account when I asked. So I spent 2 more hours on the phone filing 2 separate fraud claims. Filed and received a police report with 4 witnesses of these men stealing the debit card. Only to get denied the {$980.00} ATM withdrawal claim already and never received the forgery documents I have to fill out and send back for the {$8500.00} in bank claim. Also filed a claim with XXXX. I had to freeze my credit because i dont know how much info of mine these thieves have ss # number or other cards etc. The police officer who wrote the report told me he has good body cam pictures of the gentleman from the initial stop. I hope they catch these guys. Also chase never sent me a new card you would think that is automatic procedure I had to call again today and order one and my account is still frozen 9 days later so all my auto bill pays are getting declined. This has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  I have a mortgage wi th Carrington  Mortga ge Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. Howe ver Carrington continues to report me as delinquent. They reported m e as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I got a call from XXXX  for a unknown transaction. They were able to access my phone and bank records without me giving any information to them. The guy on the phone told me that he will go into my account and fix it bc he said someone was trying to hack my account. I never gave them access. If fact he was the real hacker and when I opened the online banking I saw he had already done 2 big transactions with value XXXX and XXXX, without my consent. 
I called them back to ask what was going on and he said the money will be back on XXXX. The next day I went to the bank and they took my declaration and said the bank will trace your money and bring it back to you. But its been exactly a month and nothing has changed. The bank is declining my claim, saying i was the one that gave them the information, where in fact they already had everything and accessed my online banking without me touching any button. 
My bank account was hacked and the money which is supposed to be safe there is deducted and all they're saying is that this is my fault. I lost all this money. Im begging you to help me get my money back as the bank did nothing to help. We are supposed to be protected by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX XXXX XXXXXXXX Account Number XXXX ( 2 ) XXXX XXXX XXXX Account Number XXXX ( 3 ) XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

This Debt was on ALL 3 credit bureaus. I am a victim of ID Theft and this debt does not belong to me. I provided credit bureau and the correct documentation to prove this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the item be updated to 'Paid as Agreed '. 

XXXX - XXXX