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

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

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, 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 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

Nationstar is foreclosing on my home on XXXX/XXXX/XXXX despite the fact that I originally requested assistance from XXXX XXXX XXXX who serviced my 1st and 2nd mortgage. There has been numerous owners of my loan as well as assignments of which I was never given notice, furthermore, the Assignment of Deed of Trust executed on XXXX XXXX, XXXX, shows XXXX as Nominee for XXXX Lender transferring/assigning to XXXX Bank XXXX, the Holders of the XXXX XXXX XXXX Securities, with the Trustee being XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, a Corporate Assignment of Deed of Trust was executed for value received from XXXX XXXX as Trustee for XXXX XXXX which assigned and transferred to Nationstar Mortgage. On XXXX XXXX, XXXX a Substitution of Trustee was executed from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX which I received no notice, in addition less than one month a Notice of Default was filed on XXXX/XXXX/XXXX, how could XXXX Nominee for XXXX Lender substitute the Trustee when the loans was transferred to Nationstar prior? XXXX XXXX XXXX who serviced my loan after the fall of XXXX Lender wherein, my loan number was XXXX collected my mortgage payments for years however, I do n't see them on any transfers or assignments, and this point, I feel I have been shuffled around with no one offering any mortgage assistance. My home is currently worth {$600000.00} maybe? I have requested numerous times a principal reduction from XXXX XXXX I currently owe, however, Nationstar will foreclose the property with less money rather than assist me in keeping it.
Product: Debt collection

I 'm on XXXX and have medicare and medicaid. I have no knowledge of this bill
Product: Credit reporting or other personal consumer reports

f there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the delayed payment assistance program for COVID-19 for my mortgage. I was current on my mortgage when I went into this program. I was told by Midland Mortgage that this would not negatively impact my credit in anyway, it even shows on the website when I log in that I am current and on a delayed payment program because I have a FHA backed loan and I am due to resume payments in XX/XX/2021, however they are reporting to all three credit agencies that I am late 60 days on my payment. I have called Midland Mortgage at XXXX and discussed this with them however they continue to report me as late even though when I log in on the website it shows me current, this is lowering my credit score tremendously.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX XXXX XXXX with XXXX. Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1200.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Checking or savings account

I was a target of a scam where the criminals withdrew via XXXX {$4300.00} from my checking account. I am still unsure how the criminals were able to get so much information about my account including my latest withdrawals, address, etc. Because of the information they had and they were calling from a published Regions number on my caller ID, I did not question at the time. Presenting themselves as Regions fraud department they were asking me about debit card purchases which I informed them were not correct. I asked for a new debit card and within that exchange I had to verify through another robocall information that came through a Regions robocall. As I understand it now, through those calls I was authorizing the ACH transfer. Regions has told me because the transaction was with agreed upon security procedures, they will not return the money to me or accept my claim.
Product: Debt collection

Paypal has continued to call my family members and telling them info about my personal debt. They told my MOM that I could serve time in jail if debt is not paid. They also told her the amount of my debt as well as asking about my employment status. Very unprofessional and concerning. I am debating seeking legal information because of this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed an account with XXXX & XXXX from my credit report as neither company has been able to validate this debt! Equifax then reinserted the negative information on my credit report on XX/XX/2021 without sending me CORRECT documentation as required by law 15 U.S.C sec 1681i! Nothing was supplied via the original creditor or Equifax! The violation here is the REINSERTION of the item!
Product: Debt collection

I sent a debt validation request to the following company on XX/XX/year>. 

TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I sent the following, as I have not received any debt validation/verification. To date ; I still have not received any validation or verification on this account. 

" On XX/XX/year>, I sent a request for debt validation as per my rights under the FDCPA for debt XXXX XXXXXXXX date, I have not received any validation of this debt from your agency. 

According to the Fair Credit Reporting Act ( FCRA ), if a debt collector fails to provide validation of a debt within 30 days of receiving a validation request, they must cease collection efforts and are prohibited from reporting the debt to any credit reporting agency.

Therefore, I kindly request that you : 1. Immediately cease all collection activities regarding this alleged debt. 
XXXX. Delete all tradelines related to this account from all three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Please confirm in writing that you have taken the necessary steps to comply with this request. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Equifax has refused and denied to remove unauthorized credit inquiries from my credit report in compliance to the consumer laws under my rights to dispute all inaccurate information. Also I have fraud alert with Equifax and theses inquiries should not have been permitted without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, account names : XXXX XXXX # XXXX, account name XXXX XXXX : # XXXX, account name XXXX XXXXXXXX XXXX : # XXXX .XXXX  XXXX bankruptcy discharged reference # 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 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

Hello, my name is XXXX XXXX and I am contacting you because I just found out that your government agency may be able to help me in regards to a series of complaints that I have against Bank of America : 1 ) My original loan with Bank of America was created on XXXX XXXX, XXXX for {$210000.00}, at a 7.25 %. The loan for the mortgage was for only {$180000.00}, but the principal shows as {$210000.00}. There is is a difference of {$35000.00} between the loan and the principal, that includes varios, murky settlement charges such as {$2100.00} to XXXX Mortgage for an " origination fee. '' I need to know why I owe {$35000.00} more than I am supposed to. 
2 ) I have been paying a monthly PMI of {$140.00} since XXXX XXXX, XXXX until XXXX XXXX ; which amounts to {$12000.00} that I did not need to pay since I had my condo for 12 years prior this loan, and I was not a " risk '' borrower. I sent several letters, emails, made phone calls and I even complained to the XXXX in regards to removing this PMI, to no avail. Bank of America always came back to me with several excuses of why the PMI could not be dropped. 
3 ) I was able to get a modification and lowered the interest rate to {$5.00}, but the PMIs continued nevertheless, as well as my requests for the PMI to be dropped ; again, to no avail. 
4 ) My mother had a XXXX and became XXXX, which forced me to quit my full time and get a part time job, so that I can take care of her. I requested another modification and it was accepted, but Bank of America immediately removed itself as the bank servicing the debt, and put me in the hands of XXXX XXXX Loans. 
5 ) What I owe now ( the investors, I assume ) is {$190.00} ( this is what shows my latest statement ) which means that in 9 ( nine ) years of paying MY MORTGAGE, I have only paid {$19000.00} of the principal!! This is outrageous!! This is thievery!! 
This happened right when the mortgage collapse started, but is not my fault that the banking/finances systems is so fraudulent that it will allow such atrocities against poor people like me. PLEASE HELP ME!!!!!
Product: Vehicle loan or lease

On XXXX XXXX I paid off my vehicle with Hyundai Motor Finance. I called the company to inquire the process for the receiving my title. I was to that the lien release would be processed in 10 and to call back on XX/XX/XXXX to verify it had been processed. I was also told that Florida was an electronic state and they would receive the lien release and title. 

On XX/XX/XXXX I returned the call to Hyundai and was told the lien release had been processed and I also requested that a copy be mailed to me. 

On XX/XX/XXXX, I called the DMV in Florida to verify that they had received the release and to find out what I needed to do to secure my title. I was told by the representative that the system showed that my title had been sent electronically to Georgia per the lien holder. I immediately hung up and called DMV in Georgia. I told that Florida had advised me that the title was sent to them electronically from the lien holder, Georgia advised me that they are not an electronic state and that upon reviewing my file with I needed this corrected immediately as I was moving from Florida in approximately 2 weeks and did not have 30 days to process a lost title per DMV in Florida. After going round and round with Hyundai and not being able to speak to the title department directly a manager basically said the same thing with no resolution to correcting their mistake of sending the title to an address that was not correct, I finally contacted Florida again to see what could be done as I was leaving Florida in 2 weeks. The representative said the title had been mailed and I could do one of two things, ( 1 ) I could wait and file a lost title or could come have them print another copy. I went to DMV on XX/XX/XXXX to get a printed copy and was told the cost was {$85.00} ; given my relocating and not being able to come back to Florida in 30 days I paid to have the my titled printed. 

When I got home I called Hyundai back again advised them of what I had to do to repair their mistake, as always they verified the they sent the title to the wrong address and that the had to send an email to the title department. I advised them I needed to speak to someone who could issue a refund of my {$85.00} to cover their mistake with my title, I was placed on hold for approximately 5 minutes, The rep came back and said based on your payment history, I immediately stopped her told this had nothing to do with a payment history and that I wanted a refund for having to pay for their mistake she states that they would not refund me the {$85.00} and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and my payments accounts were compromised causing payments to be returned. Mercedes Benz refuses to accept this even though I have sent them a copy of my driver 's identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried working with XX/XX/XXXXabout continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XX/XX/XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from XX/XX/XXXXthey can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with XX/XX/XXXX
Product: Debt collection

account # XXXX wash paid in full cash the account # XXXX payments were done and colleded on time for XXXX XXXX XXXX not as indicated as of not being received. The account # XXXX is passed the 7 year mark and need to be removed from my account
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by Experian as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by Experian contains incorrect information. Specifically, the incorrect payment status. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, XXXX, and Experian ). For instance : XXXX reports the account as paid as agreed. 
XXXX reports the account as paid. 
Experian reports the account as paid 60 days past due. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel Experian to delete the incorrect and inconsistent account from my credit report. 
The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Credit reporting or other personal consumer reports

Ive observed that these late payments dont reflect my typical payment pattern, so I request that my accounts be corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX