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

I am filing a complaint against Equifax, transUnion, XXXX XXXX  for failing to properly investigate my disputes without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. 
These are the accounts : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my credit. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXXXXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX
Product: Debt collection

XXXX  XXXXXXXX2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Balance : XXXX Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom thi s may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (   XXXX   XXXX   TransUnion )  are neglecting to verify the accounts properly to determine which ones are duplicates or   original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 
as well as they have published inaccuracies per 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. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

During the XXXX XXXX pandemic I got XXXX  and setup a payment arrangement with the credit cards to avoid delinquent payments. They still reported them late but under the Cares Act i am allowed to setup payment arrangements to avoid later reporting on my credit. Experian refuses to correct the information or investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, i did not open/authorize the these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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
Product: Vehicle loan or lease

I paid off my loan as part of a refinance. IFS then erroneously debited my account for a regular payment even after the loan was paid off. I have called in 5 times to get this resolved and each rep has left me with lies and cons to get me to call back a later time. 

First person told me that I would get that automatically refunded. Several weeks later and no refund. Second person said that I needed to call my bank where the money was debited from, of Course that was a lie as I called my bank and they told me and provided evidence that the money fully cleared and was with IFS. Third person I called told me to send an email to their customer support email and then call back 1 business day after that. Fourth person told me that no such email exists, making it sound like that was just a coy to get me off the phone. Fifth person acknowledged that the account was overpaid but gave me a similar answer that the system was just going to refund me but it has been a month now and no evidence or sign that a refund is coming. 

XXXX I paid off my loan with IFS as part of loan refinance. 
XXXX IFS debited my account for a regular payment -I am still without resolution as to how or when I will be refunded this money having called 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over XXXX years old XXXX  XXXX, XXXX To Whom It May Concern, XXXX, EQUIFAX, XXXX Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over XXXX years old XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over XXXX years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over XXXX years old.

Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.
Product: Credit card or prepaid card

I sent American Express a Cease and Desist letter AND a Debt Validation letter on XX/XX/XXXX. They sent over an email letting me know that they have received my Cease and Desist letter and they will cease communication regarding collection activity but then used profane language and threatened to suspend and cancel my account which is a violation of 15 USC 1692d. They also said that the consequences of me asserting my rights as a consumer will lead to negative actions taken place with no prior notice. This email was sent on XX/XX/XXXX. I will attach the letters and their response to this complaint. 

Please note that American Express failed to comply with the demands written in my letter. They never sent me a letter letting my know that they are complying with my specified remedies, which is a violation of 15 USC 1692c. They never sent me anything to allow me to exercise my right to validate the debt in pursuance to 15 USC 1692g. I have the right to due process and which they are preventing me from.
Product: Money transfer, virtual currency, or money service

60 days of attempts to sign in have failed. I have submitted documents to verify my identity. Customer service has wait time that always exceed 1 hour. Call back from support does not allowed from a cell phone.
Product: Money transfer, virtual currency, or money service

My data was breached I have received a notification that my daughter, my son, & my information have been leaked. Also that my number had been put on the dark web. I believe they have opened accounts with my identity I just dont know how to check for myself
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. 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. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 an 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. Considering the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I insist you investigate as required by FCRA XXXX. Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMAIL : XXXX XXXX XXXX FTC Report Number : XXXX
Product: Debt collection

I put a formal dispute within 30 days. The debt collection agency acknowledged that they received my request. I have not received the information that I have requested, but have been receiving calls daily. I reached out to the agency to see why I am receiving calls when I have not been given the information I asked for. The agency has not responded. 

Before I put in my formal dispute, I had two calls on which the caller would not identify themselves, but wanted me to verify personal information and the callers were rather rude and abrupt when I questioned who they were.
Product: Credit reporting or other personal consumer reports

Greetings, 5 u.s.c. Code 552a There needs to be an accurate accounting or information disclosure. 

These documents make me look irresponsible, uneducated, and are deceitful. 

who is going to lend me with XXXX credit? 

How is this even possible? This is unfairness in lending since my credit report contains misinformation anywhere inside here and all the ways but not only that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter out XX/XX/2021 no response was given by the company to remove incorrect information on account or to valid date the collections on my credit report. It has been 26 days and still no response and I gave them up to 30 days to respond with validation and to remove the incorrect personal information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX 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

On the months, of XXXX, XXXX, and XXXX of year XXXX I sent over a verification letter to XXXX and Equifax Credit Beraus. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Product: Debt collection

Filed a dispute with XXXX  ( XX/XX/2020, Confirmation # XXXX ) Credit agency. XXXX  closed file ( XX/XX/2020 ) as they contacted creditor and verified account is mine. 

I contacted GLA Collections, Inc on behalf of creditor XXXX for a purported amount of {$100.00} requesting date of service, insurance company information, and copy of the actual bill submitted, but to date have not heard back from GLA Collections. GLA has placed a lien on the public record for the amount of {$100.00} hich has altered my credit. I am on a fixed income ( SSA ). this amount is so low and should be deleted or waived from my credit file on Public Records.
Product: Debt collection

To whom it may concern : I recently quested from the collection agency and credit reporting agencies, to remove this collection off my credit report. I have wrote numerous letters asking for verification of this account and still I have not received it. I really need your help with this situation. I have asked them to send me documents bearing my signature and they have don't done so. 

Thank you XXXX XXXX
Product: Student loan

I have been making payments on my student loans since XXXX to XXXX XXXX XXXXXXXX XXXX, prior to finally being told in XXXX ( after multiple calls with difficult customer service representatives ) that my loans needed to be be consolidated to receive credit for public service forgiveness, although I had made been making payments for XXXX  years prior. Subsequent to consolidation, while working for the XXXX XXXX XXXX XXXX, I have continued making payments, all while making a minimum salary to help support my family which included XXXX kids in daycare. Additionally, after submitting documentation for XXXX in XX/XX/XXXX my status remains as " processing ''. I have called multiple times to inquire only to wait for hours on hold and then be hung up on by the representative. Poor customer service, avoidance tactics, and excessive processing times add to the financial burden of student loans.
Product: Debt collection

Midland Funding is a debt collector. I am in process of paying a settled debt. The payment receipt states that my payments will not resolve the debt. That statement is misleading. The agreed upon settlement amount is reflected in th e receipt  but that one statement mislea ds and discourages further payment.
Product: Mortgage

To whom it may concernI am having an issue with my mortgage company M & T Bank. I have had some family issues that involve my some medically that made us have to pull him out of daycare. My son now XXXX care of our XXXX sons. Now this has made us loose an income. So we have started a loan modification with M & T Bank. Here is where the problems start. The bank approved us for a loan modification. We had agreed on a price and I am already began paying the agreed to price. Now M & T Bank is telling me that there is a lien on the title and they can not do the loan modification. This so called lean they are saying was put on the title back in 2008. I did not even own any property back in 2008. I did have a judgment on me back in 2008 and a bankruptcy that followed that. I had the bankruptcy discharged in XXXX of 2008. Now M & T wants me to take care of this before they can move forward. This is just not possible. The judgment was part of the bankruptcy and is non collectable. After trying to go to the court house both the XXXX XXXX and bankruptcy courthouse there is nothing to be done on the case. I have already sent the final decree and the list of creditors that was on the bankruptcy to the mortgage company. I even went so far as to try and contact the original creditor that filed the judgment ( XXXX XXXX XXXX ). That resulted in a run around. XXXX XXXX XXXX said that the case was closed and is showing that it was involved in the bankruptcy. Furthermore the case was not even in their files any more. The number on the judgment for the attorney does not even have that file anymore. So after all that I spoke to an attorney who stated that the only thing I need to provide M & T Bank is a copy of the petition and the final decree and talk to M & T Bank and ask to speak to a supervisor on who is reporting that there is a lien on the title. Well that also is not being furnished to me by M & T bank. The supervisor I spoke with told me it is a M & T supplied title company and they can not tell me who it is. M & T has been very frustrating in giving me information and also asking me to do an impossible task. Even if I had the XXXX dollars to pay this lien off its uncollectable and no one even has the case. Furthermore the attorney that I consulted with told me I do not need to hire an attorney that they get this all the time with title companies. That they do n't understand that a lien that was discharged in a bankruptcy can not be put on a title on a primary residence that was purchased at a later date as M & T Bank is saying that this is what happened. There is no way that a lien can be on the property from 2008 that I did not own until 2 and half years ago. Anyway I can not be the only person that this has happened to and being denied for a modification because of a personal non collectable judgment that is out in the county clerk.