23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

Home address is XXXX XXXX XXXX XXXX, XXXX TX XXXX. At closing we indicated we wanted escrow taken out to pay taxes and insurance. Loan was sold to Guaranteed Rate Mortgage who still after three months of back and forth have not adjusted our payment to include escrow. The last conversation I had with them two weeks ago was that this would be resolved in a week. We also asked them to put us on the two week payment plan to pay off our mortgage faster and they have also ignored that request.
Product: Credit reporting

My husband and I and also our roommate got charged falsely for apartment charges. It then went to collection. This particular Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX was falsely charging multiple renters and now is under new management. I have a letter stating we do not owe anything. Please remove from all XXXX bureaus for all XXXX of us. 


Also, I have a second thing. I have something from a collection agency for XXXX XXXX who is trying to get paid twice. XXXX XXXX has been paid by themselves. Therefore, I do not owe them and that collection agency is still harassing me.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I disputed the account with XXXX XXXX XXXX because I do not have a contract with them and Im not liable for the debt from the original creditor which is XXXX XXXX XXXX I disputed the account on XX/XX/2024 in the amount of {$460.00}. This account is being falsely reported to my credit report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account XXXX. XXXX XXXX XXXX on XX/XX/XXXX late payment from comenity capital bank / forever XX/XX/XXXX inquiries from XXXX XXXX bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX financial ser XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

One main financial has been calling me obsessively to the point Ive gotten XXXX calls in XXXX days. XXXX of those in XXXX  days. As well as text messages and I have responded to the via text, left voicemails, and spoke to them. I will be attaching proof of their violations with the FDCPA as I have already spoke to an attorney regarding this. I have never been late on a loan payment with them before and I have made of 75 % of this months payment with a balance of only {$50.00} that I informed them I would be paying but they continue to harass me for payment.
Product: Credit reporting

I have contacted Equifax multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : One was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also 2 others that are more recent but are not mine. I have also contacted the courts to see if they provided Equifax with this inaccurate information and they stated " No. '' Please see attachments. Equifax have different file dates from XXXX which makes me wonder where they get the information. I need your assistance in getting this matter resolved and removed from my credit file.
Product: Debt collection

Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had four payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX  Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Debt collection

On XX/XX/22 I sent a notice to Nationwide Recovery Systems , LTD stating a I did not recognize debt I allegedly owe on a medical bill. I still don't know why I owe it as no information was provided to me. I requested validation and verification through certified mail within 5 days business days stating I WOULD pay the debt if it was mine, but I needed verification. They did not send it and reported me to the Bureaus without warning. My score went down XXXX points because of that. I will take legal action in addition to this action if this is not fixed urgently. I have copies of everything and will be able to prove when I received notice of their letter at my new address they dismissed my letter which someone signed for. I know my letter was valid because I used the template provided by consumer affairs and modified it to meet my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the closing of Tax period for tax year XXXX I filed Wisconsin XXXX taxes and Wisconsin homestead but not federal yet as IRS is currently investigating fraudulent returns alleged my by me as I didn't file in XXXX or XXXX. I was on XXXX and did not work this years and I. My state WI was not required to file. Some stole my identity and filed fraudulent returns. My cash app accounts multiple accounts were hacked in XXXX years in XXXX WI XXXX XXXX WI XXXX XXXX at the time I resided. Then later moved to XXXX XXXX in XXXX where I reside today. But my physical location address is confidential under state WI law as I'm in crime victim program. And am protected. The basis of my complaint is that Wisconsin revenue notified me when I requested my tax return transcripts history for XXXX. I realized there was a filed XXXX XXXX XXXX XXXX source from block inc provided to Wisconsin dept of revenue they told me to reach out to IRS and block. I reached out to IRS have been unsuccessful in reaching them. I reached out to cfpb. To then initiate this to u guys to let u know I need this data explained. Date of sale or exchange was XXXX and it was for the amount of XXXX payer : block Inc to payee : XXXX XXXX XXXX- is there a mistake here. It says noncoverd security basis not reported to IRS wi said they forwarded it to IRS since they don't handle this. In the description it says see detailed statement. I requesting that detailed statement. My confidential address also should by law not be on this document it is WI misdemeanor. There's a payers account set up by block for the payee me- XXXX XXXX XXXX. Which I can give but I didn't get any money from block. Knew nothing of this account.
Product: Mortgage

I chose Better.com because they beat out another company on the loan estimate and they had overall better reviews. 

Since locking in the rate and paying the company {$150.00}, both my APR and MPI have increased significantly. Over the last 2 weeks the loan estimate changed twice in both these areas.

The APR went up 0.2 % and the {$140.00} per month on a $ XXXX loan. Therefore, creating an increase of {$300.00} more on my monthly mortgage payment. To say the least Im angry, frustrated and very concerned. I budget my expenses and try to live below my monthly income. However, what I find most interesting the closing costs keep decreasing. To keep me off track of my monthly payment increasing. 

I questioned Better.com and asked for an explanation. I received an answer regarding the PMI from XXXX PMI is affected by a number of factors such as XXXX, XXXX, XXXX XXXX, appraised value, and if any of these changes once your loan is in processing, your PMI quote can change. 
I went over this with my lead and it's very hard to say what exactly is causing PMI to increase as there are a number of factors that can affect this. 
We do work with a few different vendors and our system will automatically choose the PMI with best pricing. 
We won't have the settled amount until we reach the closing stage. 
If another lender is able to give you a number that would not change, I would completely understand if you would rather proceed with them. 
We want your business but in the end we want what works best for you as well. 

The appraisal has not been completed and Im 2 weeks away from closing. Can you please help and guide me?

I have also learned Better.com ONLY uses income as a determining factor for the loan and debt ratios. Therefore stocks and 401Ks do not play a huge part in the overall picture of the loan process.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Product: Credit card or prepaid card

Someone from corporate needs to call me immediately my credit card was STOLEN and I have fraud charges on my account. I contacted fraud and let them know the charges were removed now the charges were placed back on my account!!!! This is unacceptable!!!!!!! SOMEONE NEEDS TO CALL ME NOW!!!!! THESE ARE FRAUD and not authorized!!!!!!!!!!! 

These charges need to be taken off immediately as my card was stolen! When I called I was Informed they denied my claim because in previous fraud case that had been used at a prior merchant in a fraud claim even though the case was considered fraud. I can not control that my card has been stolen before and used at places in XXXX XXXX how is that my issue? There is so many places you can use this card. I never did business with these merchants or XXXX either its fraud my card was stolen. So was a few others and they already resolved their fraud claims in my favor. Get these off my account! 

Someone needs to call me now!!! XXXX
Product: Debt collection

This collection agency has placed a collection account on my credit report without notifying me prior to doing so. There was no communication from this debt collector BEFORE placing these items on my credit report. I reached out to this company on XX/XX/XXXX and again on XX/XX/XXXX requesting validation of the information that has been placed onto my credit profile and there has been no response from the company. I requested that competent evidence that I have any legal obligation to pay this debt be sent to me via US Mail, and still nothing. 

To be even more specific ; this is what I requested : Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgement, if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent This company has been ignoring me and there has been no communication from this company after I requested the above information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, Experian is taking extremely long to update the XXXX XXXX account. I called XXXX XXXX the third week in XXXX and I was told that they gave Experian my updated account information at the end of XXXX and it was up to Experian to update it. I called Experian and they told me that they would process it and its now XX/XX/XXXX and it is still not update from when I first asked for the update. 
Also can you please ask Experian to remove the inaccurate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. I have sent Experian proof of my address many times and have told them that of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is not my address and it does belong to me. But they refuse to remove it. I asked them sense they are reporting this address where is the lease with my name on it or audio from the leasing office verifying this address as belonging to me. 

Lastly Experian has 2 hard inquiries for XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX. They are adding an extra month to the removal date. The FCRA clearly states that after 24 months XXXX not 25 months ) that the hard inquiry must be removed from a consumers credit report. 

Why is Experian being allowed to violate my consumer rights. Can you please investigate their bad faith business practices. 
Please see all the screenshots and highlighted items as my proof as to what I am complaining about. Please investigate Experian and advise them of the law and make them obey it. Because I should have a right to sue them for violating my consumer rights.
Product: Debt collection

When I checked my credit reports as I often do I saw that THE CBE GROUP placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted CBE demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.
Product: Credit card

Since I was not using enough the credit card, they have closed the account. 
No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX, Account XXXX XXXXXXXX, have violated my rights. 

I looked at my experian crdit report on XXXX XXXX and noticed somethings are incomplete and 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 ( 6
) 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

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015.
Product: Checking or savings account

I contacted chime by phone but was told my account didnt exist,,, when I got ahold of an agent I was told that someone had accessed my account and changed my account information without my knowledge. I asked the agent if my account is at risk because my social security and my home address could have been stolen, he told me there was no way to be sure. Chime needs to take better security measures because my identity and my family could be at risks because of chimes negligence. Furthermore my debit was stolen and purchases were made of XXXX $ and XXXX $ were made on my account,,, I disputed it but chime is asking me to file a police report and for me to tell them exactly where I was when those purchases were made. I told them I was home and that the police is requesting further documentation on how chime came to the conclusion that the claims were not fraudulent even after they sent me a new debit card.. I want a a full refund and an apology my account number is XXXX
Product: Credit reporting or other personal consumer reports

This address : XXXX XXXX XXXX XXXX XXXX XXXX TX Is NOT a valid or accurate address for me. I have contacted Experian numerous times about this violation, however they refuse to delete it. 

As a consumer, I have the right to accurate and fair reporting under the FCRA, and I request that you promptly investigate this matter and have Experian remove the inaccurate address from my credit report. 

Please be advised that the inclusion of inaccurate information on my credit report not only violates my rights as a consumer but also has the potential to negatively impact my creditworthiness. 

The other 2 credit reporting agencies are not reporting this address - by law all three should be reporting the same, accurate information. 

I have attached my license and a bank statement with my accurate address on it.