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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I canceled XXXX XXXX XXXX XXXX in XXXX after a 2 month period due to excessive monthly increases and retained another Auto insurer. They are charging me for a month I was covered by another Auto insurer.
Product: Debt collection

So a company, that I have no contract with, has bought a delinquent debt and has not only attached this debt onto my credit but has been harassing me daily. I have not received any collection notice, yet I receive phone calls, asking me for private information and practically demanding I pay this debt that I am certain I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX, and found an entry from Franklin Collection Service, claiming that I owe them {$750.00}. On XX/XX/XXXX, I sent them a certified letter seeking 100 % complete debt validation, within 30 days. The letter was delivered on XX/XX/XXXX. In response to my letter, The company sent me a billing statement with a message stating that the bill was validation of the debt. I called immediately to speak with someone, but could not reach an agent. I called on XX/XX/XXXX, and was told by their agent that the bill I was sent is validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 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 that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Consumer Loan

My wife and I applied for a loan through Roadloans.com which is owned by Santander USA, we received a loan packet that give a apr of 24 % when I know the maximum loan apr for the state of Pennsylvania is 21 %. How can they get away with 3 % higher than state cap?
Product: Vehicle loan or lease

Wrongful repossession XX/XX/XXXX of auto used for commute to work/home, this occurred UNpeacably from private gated property *after* Lender Vystar mishandled withholding of FEMA-Milton fees and deferment impact by Vystar whose chat XX/XX/XXXX offered deferment XXXX loans and payplans, which consumer complied fully with. Account address in a FEMA-declared disaster zone, with impact. 
Instead of complying Vystar gave no response and increased collection activity and fees. My official hardship application went unresponded to. 
Vystar refused to acknowledge ADA request to communicate by text, chat, email or letter. Then refused to speak on phone with calls made to Vystar XXXX XXXX through XX/XX/XXXX the day of reposession. Vystar withheld redemption amounts. Vystar retained consumer-owned rear camera from car and other items & organized to sell within 7 business days of wrongful repo without providing redemption amounts.

Consumer 's online account did not show what was owed and was not kept updated with 2 payments {$1100.00} cleared to Vystar XX/XX/XXXX and XX/XX/XXXX almost 3 months paid. Deferment and FEMA practices were bypassed by the lender and prior efforts to involve XXXX and CFPB, Vystar gave DISinformation that more time was needed to respond to escalation, whereas in fact increased efforts to unlawfully repossess while not responding to all consumer contact.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT HARD INQUIRIES FROM MY EXPERIAN CONSUMER REPORT I HAVE INCLUDED AN FTC REPORT UNDER OATH. THIS IS PROBLEMATIC. IVE BEEN DENIED FOR CREDIT COSTING ME XXXX XXXX XXXX NOW I KNOW WHY. THERES XXXX  CREDIT INQUIRIES ON MY REPORT THATS NOT CONNECTED TO ANY ACCOUNTS THIS IS A CLEAR VIOLATION AND I DIDNT GIVE WRITTEN PERMISSION ACCORDANCE TO 15 USC 1681a. ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I found multiple inquiries on my report on XX/XX/2023 that shouldnt be there because i did not authorize any Institutions or agencies to access my report I submitted the FTC report to the bureau directly and they did not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX about the incorrect information being reported on a XXXX XXXX account by Equifax and XXXX along with evidence that showed that claims of the account being verified as accurate were not true because both credit bureaus were reporting different payment history data for the same account. I received an email from the CFPB stating that Equifax has responded to the complaint and stated they needed more time to look into the matter. I updated my Equifax credit report today XX/XX/XXXX and once again in what seems to be deceptive practices, I see that Equifax has once again reported inaccurate information on this account. I have uploaded my XX/XX/2023, Equifax report along with the Equifax credit report I previously uploaded on XX/XX/2023, to show and have documented that Equifax is not acting in good faith, continues to misrepresent my credit file, and also to have my countless attempts to resolve this issue on record as supporting evidence, as my next course of action will be to sue Equifax for compensatory and punitive damages. I will also be sending a complaint to the NY Attorney General 's office.
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 trafficking. 




XXXX 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

On XX/XX/XXXX, the Credit Reporting agencies ( CRA ) provided Cavalry Portfolio Services access to my credit report although there was no legal reason to do so. I contacted the CRA 's who informed that the inquiry could not be removed nor could they provide me with the permissible purpose. I was instructed to contact Cavalry Portfolio directly at the address on the report for the legally permissible purpose. I sent a certified letter to Cavalry Portfolio at the address on the report and they have refused to respond. 
More than thirty days has expired. The letter was received on XX/XX/XXXX using cert number XXXX XXXX XXXX XXXX XXXX XXXX I have included a letter directly to the CFPB and a copy of the letter sent directly to Cavalry Portfolio by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.
Product: Debt collection

Switched providers from existing carrier to XXXX for a few days in XXXX XXXX. Service was extremely poor in my area that I switched back to original carrier. Contacted customer service a XXXX and they agreed to cancel my account and told me I had zero balance since I only had the service for 3 days. All 4 phones were ported back to original carrier. I continued to get monthly statements even though I had canceled the service. Several phone calls to XXXX including conversation with supervisors and they all agreed to zero the outstanding balance and that no payment was due. These call centers for customer service were all internationally based. I spoke to no Americans during my conserveration on the bill. I was reported to collections a few months later. Turns out that XXXX had a data breach and both my SSN and drivers ' license were compromised as well. 
XXXX turned in the fraudulent debt to collection agency " Receivables Performance Management ''
Product: Mortgage

Movement Mortgage Company, XXXX, SC I received 4 % resident tax exemption /deduction in XXXX XXXX. On XXXX XXXX contacted /notified/ asked Movement Mortgage about exemption and how it was applied. I was informed they sent refund check, and would adjust escrow. I informed them I never received an reimbursement check. They then sent an escrow refund payment in XX/XX/XXXX. In XX/XX/XXXX, a professional was helping me manage retirement funds ( I am XXXX years old ), they noted that my escrow was extremely high for my loan amount and that the 4 % exemption had not been applied. I was shown that I was paying same escrow since loan origination in XX/XX/XXXX through XX/XX/XXXX and nothing had been adjustment. I was encouraged to call mortgage company, yet again to ask about payments. After speaking to four maybe five people, I received a call from XXXX in escrow department, there was some confusing explanation that the loan company had made a mistake ( that wasn't the wording and that was used ) my escrow had been adjusted from {$1700.00} to XXXX ( a considerable difference for me as a XXXX ). A refund check was sent of XXXX. My concern and complaint is if this was predatory/ lending and practices against me as a XXXX XXXX XXXX XXXX? I am also questioning my very low loan amount and very high escrow. I was well qualified for a higher loan.
Product: Debt collection

My bill was paid directly to original creditor after bill was referred to Portfolio Recovery Associates. I informed Portfolio about settled bill yet they continue to call before XXXX and after XXXX to collect on an account that has been paid in full!
Product: Mortgage

I have a home loan with NewRez LLC. Somehow, they transposed a digit on the county parcel number and paid taxes against the wrong property for over a year. They realized their mistake and attempted to correct it by paying the taxes that I owed ( because they had not paid mine for over a year ). They did not fully investigate what happened and simply attempted to raise my monthly mortgage payment by {$700.00} per month. I spent hours on the phone with their customer support and XXXX XXXX XXXX tax collector. After I figured out what happened and explained it to NewRez, they contacted the county for a refund ( in XXXX ). NewRez informed me that the county would send the refund check to me and Ill have to apply it toward the impound account. In the meantime, they told me to call each month and make my normal payment amount- and I have to reference the account notes. Ive done this two months : In XXXX their collections department called me stating my payment was past due. This was because they did not correctly post my payment after I made it electronically ( but they did pull funds from my checking account ). Today I received a letter from NewRez stating they did not receive my XXXX payment ( which was made on XX/XX/XXXX and pulled from my checking account ). I want NewRez to put my mortgage payment amount back to the original amount and figure this mess out themselves. Its their error and Ive spent way too much time dealing with the mess. In addition, I cant even refinance because the impound account is a mess. I feel they are harassing me due to their own incompetence. Im also concerned that my credit will be impacted.
Product: Credit reporting

There are XXXX names on my credit report that are not my correct name. XXXX mXXXX I believe is also one. I would like all XXXX removed and replaced with XXXX a space after the XXXX and a capital XXXX. 

Thank You
Product: Debt collection

Iv been receiving calls from WakeField and Associates for a couple months now, I dont answer calls from any number other than my area code ( XXXX ). Iv never received any paper mail from this collector in regards as to how much I owe or what I even owe them for. It showed up on my credit report today ( XX/XX/23 ) that I owe {$900.00} to them. No description. I thought it was a scam trying to take advantage of me but I would think that they would have sent me paper mail before taking action like this. I would like this taken off my credit report and proof that I owe them any kind of money to them.
Product: Debt collection

Many students have been having issues with XXXX regarding the living environment and the way that the Cashiers Office, Accounts Receivable and/or the Financial Aid office assists and/or communicates with their respective offices on behalf of your account. 

An example of this comes through a friend named XXXX XXXX XXXX, who can provide her own details regarding her account in more detail, but has similarities to my own complaint in the regard of XXXXL attempting to collect funding independently on our respective accounts. XXXX has attempted to charge myself and others with amounts that are not indicated on our accounts, place such matters on our credit reports and/or send such to an outside collection agencies ( or threaten such actions ). 

Empirical evidence comes through XXXX sending such matters to outside collection agency XXXX XXXX XXXX through XXXX. Upon review, XXXX XXXX XXXX advised that debt was not accurate according to records XXXX falsified to send off to them & /or did not verify a debt was out in accordance to the times that the student was a student on campus. 

Additional complaints to CFPB involve XXXX to take threats of action from retaliation from OCR complaint ( please contact Department of Education ), as well as XXXX - Case # XXXX, that additional information can be found in reference numbers XXXX & XXXX. 

The most recent letter that bringsawareness of this practice by XXXX comes from collection agency, " The XXXX XXXX, XXXX '' Where XXXXL, " XXXX XXXX XXXX XXXX XXXX '' is named as the, " Creditor '' for Account Number, " XXXX XXXX '' & CS Number, " XXXX '' with Reference Number, " XXXX ''. They are attempting to gather funds that were previously sent to XXXX XXXX XXXX from XXXX. The current amount due is XXXX. 

Other individuals have had these matters occur and had their credit damaged as I have through this practice, yet their amounts have escalated and even skyrocketed into the tens of thousands, yet started off similarly to the amounts I have indicated. At present I have no way to enter campus to resolve such matters, while defending myself again assault which occurred on campus. 

Matter is currently a form of harassment for speaking out against practices that went against the XXXX XXXX XXXX 

Matter is referenced in XXXX XXXX & XXXX XXXX Releases from XX/XX/2018
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Re : XXXX XXXX Account XXXX XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g , to inform you that I dispute the alleged debt associated with account number XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

Sincerely, XXXX XXXX Cc. XXXX, XXXX, XXXX and CFB
Product: Credit reporting or other personal consumer reports

Dear Equifax 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. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : **** Delete this account.

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.

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

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

XXXX  File Number : XXXX Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
The Original open date is XX/XX/XXXX for XXXX XXXX XXXX in the amount of {$2300.00}. Then the amount was changed in XX/XX/XXXX to {$2300.00}. 
This account is not mine. I have not been a patient at XXXX XXXX XXXX since XXXX.
Product: Credit card or prepaid card

Bank of America settled a class action lawsuit in XXXX that I should have been a participant of. My account was froze in XXXX causing 6 checks to be lost for 3 months. I have been forced to accept a loss of {$4100.00} due to unauthorized charges from the bank sending card to wrong address and I don't think I will be able to just give up. Bank of America used deceptive practices to defraud me of those funds and have not been held responsible for that. The settlement states any customer whos account was froze after unauthorized charges is a participant and I have proof this happened to me causing disconnect of utilities, phone, car insurance. I followed their protocol but have not heard anything back after 15 emails and other attempts to contact Bank of America. They cut all communications with me. I need assistance with this issue. I also would like a copy of the settlement orders and since CFPB was one regulator that did find the liable for those issues I don't see the issue with receiving a copy. Please instruct.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving XXXX XXXX XXXX Debt Bondage ) Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX XXXX XXXX ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a victim of a severe form of XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or sex trafficking, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX  including debt bondage. Our mission involves supporting and advocating for XXXX XXXX XXXX XXXX, a severe violation of human rights and a modern-day form of slavery. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue. In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual. 

We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen