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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

I was shocked to find out that my credit report contains numerous inaccuracies and false information, no wonder why my credit applications keep getting turned down. Dealing with these errors has been so stressful and has had a significant impact on my mental well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXXXXXX Docket # : XXXX Source : XXXX/XXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX B XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} 48 - {$5800.00} 82 0 0 0 BANKRUPTCY XXXX/XXXX  XXXX XXXX XXXX XXXX (  CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting

The university double charged for the same courses and applied to credit account. without communication to allow for default or forbears.
Product: Checking or savings account

Hi. I am reaching out with regards to U.S. Banks practices around their CD maturity process. The Company makes it extremely easy for customers to renew their CD with just a click of a button through their online portal. The Company, however, makes it much more difficult to close a CD and requires Customers to call in their customer service line or visit a branch in-person. U.S. Bank relies on customers not going through this process and having their CDs renewed automatically at the banks preferred rate. 

Only renewal can happen online. As seen in the attachments.
Product: Credit card or prepaid card

When I try to swipe the cards at a card swipe machine, it doesn't read. I don't get a beep. Nothing happens. The merchant appeared to try to save a fraction of a XXXX on plastic and made the cards too thin to be read by the swipe machine. I've tried using the cards at multiple machines without success. The cards need to be replaced.
Product: Checking or savings account

I tried to login to my chime app with both emails and it said error. I called to check because this was my main source for banking. They told me it was closed due to violating terms and conditions, which I did not. I didnt recieve any notices of closure. They told me I would not be reopened or recieve my funds back and that they were very sorry. They did not supply me with an evidence or reasons for why they decided to close my account. My money is gone and I have never had any issues with chime until now. Ive been a consumer of theirs for years. Im a single mom and own my own business, that money is needed.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX : - XXXX XXXX Balance : -
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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX, # XXXX, Account name : XXXX  XXXX XXXX  XXXX XXXX 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.
Product: Credit card or prepaid card

I am requesting Equifax to provide their method of verification. They replied to my last complaint involving improper use of my consumer report, stating on XX/XX/2022 that they verified my accounts, so I am exercising my rights under 15 USC 1681i ( a ). I am granting them 15 days to respond to this request.
Product: Mortgage

I request in writing to the company that this charge of the note and deed of trust will send me copies of the documents that accredit them as owners of my note or mortgage loan, additionally request complete and detailed information regarding any document, transaction involved in the negotiation of my note or mortgage for which I am committed to pay. but I have not received the complete information, they only send information about the incomplete note, they do not send complete documents, or copies of the original documents, request their examination, for the verification of the veracity of the same, they only say excuses.

They are only hide important information , with reference to the original documents, sending the requested information incomplete and truthfulness flaw.
Product: Credit reporting, credit repair services, or other personal consumer reports

unlawfully add inquiry to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reported inquirys I dont recognize and never had anyone pull my credit, its inaccurate information inquiry on XX/XX/year> for Toyota motor credit co , XXXX XXXX XXXX its on my report XXXX times XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> its on there as well XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

VICTIM OF IDENITY THEFT PLEASE REMOVE FROM CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN URGENT MATTER FOR YOUR FIRM TO RECTIFY IMMEDIATELY OR I WILL RETAIN AN ATTORNEY THAT SPECIALIZES INF FCRA AND FDCPA VIOLATIONS. PLEASE EXPLAIN YOUR TRANS UNION DELETION OF XXXX XXXX, # XXXX, REFER TO ATTACHED INVESTIGATIVE RESULTS REPORT DATED XX/XX/XXXX. 

REVIEW AGAIN THE ATTACHED ID THEFT POLICE REPORT AND IMMEDIATELLY BUT PERMANENTLY DELETE THIS ACCOUNT. 

I HAVE DISCOVERED FRAUD ON YOUR AGENCY AND I AM GIVING YOU THIS NOTICE AS MY INTENT TO SUE IF THIS IS NOT IMMEDIATELY CORRECTED. IN DISCOVERY YOU WILL HAVE TO OPEN UP YOUR INVESTIGATIVE RESULTS REPORT AND EXPLAIN HOW THE ABOVE ACCOUNT WAS DELETED PER THE ATTACHED XX/XX/XXXX INVESTIGATIVE REPORT SHOWING, XXXX XXXX, # XXXX, AS DELETED. 
YOU THEN SEND A BACK DATED REPORT DATED XX/XX/XXXX, REFER TO ATTACHED COPY, STATING YOU ARE REINSERTING A DISPUTED ACCOUNT NAMED, XXXX XXXX XXXX, # XXXX. THE NAMES AND ACCOUNT NUMBERS ARE COMPLETELY DIFFERENT, AND IT IS VERY OBVIOUS THAT TRANSUNION SYSTEM IS ALLOWING THEIR CLIENT, XXXX XXXX AND XXXX XXXX XXXX TO SWITCH ACCOUNT NAMES AND ACCOUNT NUMBERS IN VIOLATION OF THE FCRA..
Product: Vehicle loan or lease

Covid had me laid off couldnt keep up with bill so car was repoed and debt sold to 3 rd party
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received a plethora of emails from a company named Resurgent Capital Services under the following email : ContactCS@em4965.ecollect.resurgent.com that has purchased old debt that was supposedly sold to them from one company to another. The most recent email sent on : XX/XX/2022, XXXX XXXX  Under the subject : XXXX, a legal review is approaching! mailed-by : em4965.ecollect.resurgent.com signed-by : ecollect.resurgent.com is an email threatening to send to send to a lawyer and threatening to sue me within 5 months time. There is no reasoning for the lawsuit when the debt has nothing to do with this company. I was in the XXXX XXXX XXXX and had a credit card debt many years ago and the debt was initially charged off and now it is being brought up as sold by the company from another company who I never even received correspondence from. I do not want to continue communications with this company getting harassing emails about being sued. I am a XXXX XXXX XXXXXXXX XXXX and this debt is not valid as I stated before the debt was written off / charged off. I have never even heard of the current owner of the debt nor received anything that they owned it and now sold it to this company this is all new information and not valid.I would like the company to stop harassing me with emails and or any communications as well as delete this debt. Whoever this debt they bought from which they are claiming is from : Current Owner : LVNV Funding LLC in the email is a company from which I have never heard of. The debt was initially charged off my XXXX XXXX XXXX XXXX and I have not heard of anything about this debt in years. It has never went to collections prior to so this is not a valid debt.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX,, XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Mortgage

I was paying my mortgage until XXXX of XXXX and then I was XXXX pregnant and got a call from servicemac my new lender ( loan transferred from guaranteed rate ) they said I owed XXXX in negative escrow. I asked why. The person on the phone did not know why. 
I tried to contact them several times but every one just kept telling me different things and I asked to speak to a supervisor and they said that the problem was that the township overcharged them XXXX in city taxes because the previous owner was tax exempt. 
Long story short come to find out it was the mortgage company who overpaid the township {$10000.00}. I had to get an attorney involved and the township did not send the money back until about XXXX of XXXX. XXXX of XXXX I come to find out that they did not pay my insurance last year. Now they are calling me saying thats the reason my account is negative. The insurance company billed them and they just didnt pay my insurance for a whole year. 
Note I havent paid my mortgage since XX/XX/XXXX because they are raising my payment from XXXX to XXXX and thats not affordable for me. Now we are in foreclosure and I have to pay an attorney because I have the money to reinstate my mortgage but at the XXXX rate not a XXXX rate that is their fault and now my credit is suffering and so is my XXXX XXXX XXXX
Product: Mortgage

Closed on the property at XXXX XXXX XXXX XXXX, XXXX NC XXXX on XX/XX/XXXX. I had to file a complaint with the CFPB because Shellpoint Mortgage Servicing claimed I had unpaid mortgage payments. After filing a complaint against Shellpoint Mortgage Servicing they sent me an email on XX/XX/XXXX stating the loan is paid in full. On XX/XX/XXXX Shellpoint Mortgage Servicing sent a reply letter in regards to the complaint, stating loan is paid in full as of XX/XX/XXXX. Shellpoint Mortgage Servicing sent a Letter of Satisfaction and Deed of Trust from the local County Register. On XX/XX/XXXX I received an Escrow Refund in the amount of {$1500.00}. I deposited the check into my personal account on XX/XX/XXXX. XX/XX/XXXX my personal bank mailed me a letter stating the item I deposited on XX/XX/XXXX was returned marked " Not Authorized '' and I was charged a {$5.00} return check fee. Also they included a IRD substitute check. On XX/XX/XXXX I contacted Shellpoint Mortgage Servicing and a representative stated that the Escrow Refund was sent out but on XXXX the XXXX they found that the payoff was short and voided the Escrow Refund check.
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are being reported as such.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts that were fraudulently added to my credit file. As a victim of a data breach, I did not authorize these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$9900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX. XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$33000.00}
Product: Credit reporting or other personal consumer reports

I am formerly informing The Credit Bureaus : XXXX, XXXX, Experian, that I have opt out of sharing my Non public personal information with the Following Companies : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX I have taken appropriate steps to exercise my rights under XXXX XXXX XXXX of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified All The above companies that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that the above companies have continued to furnish my nonpublic personal information to non affiliate third parties, and consumer reporting agencies are still reporting my non public personal information, without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. I am requesting that the non affiliated third parties, to stop reporting my non public personal information on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the above companies and the credit reporting agencies complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Thank You The Following are the compliant numbers Filed against each company. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto
Product: Credit card or prepaid card

I received my credit report from XXXX. I filed a complaint with them. The complaint was simply there is another person with my name that has a credit card I had, and I closed my credit card with that company. The other person with the same name as me ( and my name is common ) has a open/current account with that credit card company. XXXX wrote me back and said all my information is correct. And all my information about me is correct. The problem that there is another person with my same name ( and her account is in good standing ) that is on my report. The credit card must of got us mixed up because we have same name and credit card. What the bottom line is I closed my account with that credit card. There is one currently open that is not mine. I just wanted her name and account removed because that particular account is not mine. I am wondering if XXXX even looked at the situation closely. If they did, they would seen two accounts with the same credit card. The difference is mine is simply closed and hers is open. How hard is that. But there are 2 different account numbers that I told XXXX. If they looked at it, they could see that the credit card put the other person with my name ( she even lives in the same city as me. I don't know her personally, but I know of her. Why? Because she also actually goes to the same dentist as me! The dentist came in and said I have not been in awhile, and I said I did. They checked the record and seen the other person with my name has not been in awhile. Anyway, I know me and her don't have the same social security numbers, but this credit card made a mistake. Thank you.