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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with FED LOAN SERVICING. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPOR
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2200.00} CXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full a second mortgage lien with Gateway Mortgage but Gateway Mortgage never reported my payments or the closed account to the credit bureaus since XXXX. I spoke to customer service and to the department that pertains to credit reporting but it was never done. Gateway Mortgage XXXX XXXX XXXX XXXX, XXXX, OK XXXX ; Customer Service - XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding my practices with their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account. They failed to notify consumers about their change in interest. Now the account gives back way less without letting us know. It has been getting lower and lower every month. This is very unfair.
Product: Credit reporting or other personal consumer reports

Please update the information on my credit report with Equifax. My current and correct name is XXXX XXXX XXXX XXXX, yet my report shows the wrong name as XXXX XXXX. Additionally, my employer information is missing. The correct employer is XXXX XXXX XXXX, but none was mentioned in the report. Under the FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy under 15 USC 1571e ( b ). This inaccuracy violates the FCRA accuracy requirements and impacts the integrity of my credit file. I demand my name and employer information be updated to reflect the accurate details. Continued noncompliance may result in liability under 15 USC 1681n and 1681o, including damages of up to {$1000.00} per violation.
Product: Debt collection

Pay Pal sent email invoice for {$600.00}. I do not have Paypal XXXX # XXXX. 
Invoice Date : XX/XX/2022. 
Due Date : XX/XX/2022 Their support # XXXX. 
No Account # for me. 
No info as to what I was to have purcha : XXXX. 

Sender 's email address : " I '' in a circle. Invoice XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. Equifax has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to XXXX my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX - XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4600.00}. 

Credit Card Account : Opened at XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$0.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$940.00}. 

Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$7000.00}. 

These fraudulent accounts have resulted in several related hard inquiries appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, collections, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .TRANSUNION IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TRANSUNION MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO TRANSUNION TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT FILE NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. It took me a long time to compose everything have it print then stand in line and send it to you. And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for OTHER LEGAL OPTIONS. Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt claim made by MIDLAND CREDIT MANAGEMENT regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, MIDLAND CREDIT MANAGEMENT has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, MIDLAND CREDIT MANAGEMENT has not fulfilled the requirements to substantiate the alleged debt. Specifically : XXXX. Lack of Original Contract or Agreement : MIDLAND CREDIT MANAGEMENT has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. XXXX. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. XXXX. Failure to Provide Proof of Assignment : If MIDLAND CREDIT MANAGEMENT is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to MIDLAND CREDIT MANAGEMENT.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I've already reached out to companies and credit bureaus and the correct action of deleting negative fraudulent items from My report. 
I received a copy of my credit report and found the following items to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to metro 2 reporting standards. 
Here as follows are items in potential error requiring immediate annulment of the retainment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate, untrue, incomplete and non-compliant information from my credit report immediately. 
This is a violation of the FCRA and is also a violation of requisite Metro 2 Compliance Reporting Standards
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pay attention this time around. I previously disputed some information on my Transunion report, and I do not feel as if I was provided a fair and equitable solution as a consumer. The company did not address, or respond to any of my concerns, nor any of the violations that occurred. Everyone ignored it, -even you, the CFPB, when it is your duty to ensure Federal law is being upheld! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, to this day, I have no clue what was " updated ''. Wouldn't " updated '' mean the information wasn't correct to begin with? Why was the information altered, and not deleted?? Also, to this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature, such as any original contracts, or any clear and conspicuous disclosure forms that were allegedly provided to me in order for this information to be reported, etc. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT. The fact that Transunion never responded to my certified mail on multiple occasions, alone is grounds for removal! Why is any of the following information still reporting??? 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. Their blatant disregard for fairness, privacy, and accuracy is obvious. Now they are being willful noncompliant. I ask yet again for the disputed information to be deleted for the following reasons 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 ; 15 U.S. Code 1681 ( 2 ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. Congress states that the behavior I am experiencing impedes the banking system and results in loss of trust. I have experienced tremendous mental anguish and injury due to these matters. or delete them immediately! Lastly, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX were deleted and I specifically requested that they not be deleted. Please reach out to them to have them report again. Both were reporting a couple of missed payments, which were not accurate. I just wanted the creditor to correct the payment history. The accounts ended up getting deleted anyway. Reading is fundamental! Now accounts that I have had years of history with are gone and due to someone not reading simple text further injured me, and is affecting to obtain new credit cards, as well as a new vehicle because one of them was an auto loan. Now I am experiencing even more difficulty in my life. How do you delete the accounts that belong to me but refuse to delete the accounts that don't? This makes no sense! Please reinvestigate these matters. I do not consent to E-Oscar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian of incorrect information on my credit report regarding a bankruptcy. Experian initiated an investigation that resulted in Experian reporting that the US Bankruptcy Court of XXXX verified the information as accurate. I have reached out to the US Bankruptcy Court of XXXX and have written proof that the US Bankruptcy Court of XXXX does NOT verify bankruptcy information with credit bureaus ( please see attached email ). This leads me to believe that Experian really DID NOT verify ANY of this incorrect information and told me ( the consumer ) untrue and inaccurate information regarding this dispute. Per the National Consumer Assistance Plan ( NCAP ), effective XX/XX/2017 : Public record data must have your name, address, and either your Social Security number or your date of birth AND The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion ). Consistency in reporting is essential for accurate credit information. 

2. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

3. **Account Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid account/zero balance. '' Clarification on the accurate payment status is needed. 

4. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency.

5. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important.

6. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX
Product: Credit card

I always pay my balance in full. I had scheduled a payment for XX/XX/year> in the same way that I always do on my Wells Fargo XXXX. I had more than enough money to pay my bill in full in my checking account. On XX/XX/XXXX, Wells Fargo contacted me saying that my payment failed. I called immediately and re-initiated the payment in full, which had gone through the second time. However, between XXXX and XXXX, my account accumulated {$260.00} in interest. Wells Fargo could not explain why my payment did not go through, nor were they willing to waive the interest ( they offered a max reduction of {$50.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my consumer report, and noticed that there was an account with The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Product: Credit card

I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies.

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Ygrene is a authorized lender for the PACE program in California. I believe that my wife and I are victims of predatory lending from Ygrene. We are trying to pay off this loan but have been notified by Ygrene that our pay off is more then our original lien amount. I believe that Ygrene solicited us knowing we were people with poor financial literacy. Ygrene did not provide a clear breakdown of all fees. Ygrene is, and has added excessive and/or unnecessary fees. Ygrene is charging a high prepayment penalty that was not properly disclosed. It seems to me that Ygrene is requiring a balloon payment to close the loan. Ygrene, in my opinion, is the very definition of a predatory lender. 

Estimated payoff amount as of XX/XX/XXXX {>= $1,000,000}. Original Lien Amount {$19000.00} on XX/XX/XXXX. Estimated principal balance as of XX/XX/XXXX {$16000.00}. Estimated amount paid to Ygrene as of XX/XX/XXXX {$8000.00}. 

I have spoken to Ygrene about these issues but Ygrene will not back off the fees of {$2100.00} estimated current your tax assessment ( almost 2X what it normally would be if we just continued making payments ), {$500.00} estimated prepayment premium, and {$160.00} estimated payoff processing fee. The loan started with excessive fees my wife and I were unaware of like {$50.00} application fee, {$250.00} processing & underwriting fee, {$250.00} recording & disbursement fee, {$100.00} jurisdiction cost recovery fee, {$180.00} title & escrow fee, {$50.00} energy audit fee, and a {$500.00} origination fee. There is a class action law suit against Ygrene, and I have notified my AG of the alleged predatory lending. Documents are available upon request.