23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account name is Midwest Recovery and Original Creditor is XXXX XXXX XXXX. This charge is NOT mine and has mysteriously placed on my XXXX credit report. I have demanded that this company provide me with a copy of a signed agreement and video of me at their location. 

It seems to me that payday loans are targeting consumers who do not look at their credit report regularly ; I do.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to XXXX. 

XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX {$1400.00} Account # XXXX XXXX XXXX XXXX {$790.00} Account # XXXX XXXX  {$3500.00} Account # XXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to Covid and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the XXXX claims form. 

I would like these accounts deleted off my credit reports.
Product: Mortgage

New mortgage company we have, Freedom Mortgage, took over mortgage on XX/XX/XXXX. They said we need flood insurance even though our neighborhood is elevated and built on sill. Was told to get flood insurance in 45 days or they would buy it for me from their own insurance company -- and promised it would be expensive. They also said they would not accept an elevation certificate, but a LOMA from FEMA which can take over a year to get. The Flood Plain manager for my city said that is ridiculous -- LOMAs are based on the elevation certificate. There is no way to get a LOMA in 45 days.

I bought flood insurance in the meantime. Thought that would be the end of it. It takes 30 days for flood insurance to be active. I get another letter on XX/XX/XXXX that reads, and I quote : " We will charge you for insurance we plan to buy for XX/XX/XXXX to XX/XX/XXXX '' and that the insurance they buy " will cost an estimated {$570.00}, which may be significantly more expensive than insurance you can buy yourself ''.

HOW can you buy insurance retroactively??? When I asked my flood insurance company if I could buy insurance for months already passed, they told me it was illegal.
Product: Credit card

I am coming to you with a complaint I have against XXXX and their willful refusal to comply with the law. They have not only refused to come into compliance after being shown what the law says and being provided legal definitions of the terms used within the law, but they are also being dishonest based off of their previous statements. I have included copies of our correspondence as evidence against them. XXXX is reporting my financial transactions to my consumer report which they are forbidden from doing under the law. Posting when an individual has made a payment is reporting an individuals financial transaction. Posting when or how often a transaction is made violates my right to privacy. Under the law a company can only report if a consumer has an open/closed account, an account is in good/bad standing, if an account has been written/charged off or referred/sold to a third party and who that third party is. They can not report when or how often a financial or any other type of transaction is made.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  I submitted letters to   XXXX   requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.       XXXX   addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened?

I am writing to disputed hard inquiries on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize theses ha inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is an income and according to the FCRA income can not be reported on a credit report I received a 1099 c for the following account XXXX XXXX account XXXX XXXX XXXX account XXXX and XXXX XXXX account XXXX after checking my most recent report the unpaid information stated this account was still being reported.This account can not be reported as a charge off on my credit report.please cease the reporting and delete this account.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the company a Cease and Desist letter I haven't received anything in the mail. All I have gotten is a disregard for my rights. I ask the company to stop collection activity until this matter can be properly resolved reviewed and investigated.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ABSOLUTE RESOLUTIONS I XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( Experian, XXXX and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

InXX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XX/XX/XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

Experian is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate as well.
Product: Debt collection

XXXX   XXXX ,    2017  To whom it may concern, I have been trying to properly cancel my account with  XXXX  under buyers remorse since  XXXX . They sent me  XXXX  new phones for which I promptly mailed back to them using the  XXXX  return shipping label Tmoblie provided. The phones were lost by  XXXX  in their shipping and  XXXX  has assumed responsibility for that claim since  XXXX . Since  XXXX ,  XXXX  says they have reached out to  XXXX  in writing requesting several times that TMOBLIE respond to their questions before they can issue  XXXX  payment.  XXXX  says  XXXX  has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the  XXXX  parties and my credit is being destroyed. Meanwhile,  XXXX  has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00}  ) and  sent my account to  XXXX  different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to  XXXX  as well as the collection agencies and  XXXX  to no avail thus far with no resolution in site, I am viewing this inaction to respond to  XXXX  to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them (  XXXX ,  XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level   where this matter will finally be resolved. You would think this should be simple to solve since  XXXX  fully accepts blame and is willing to pay  XXXX .  XXXX  wont speak to me because they say the matter is between  XXXX  and  XXXX .  XXXX  wont speak to me because they closed my account and sold the supposed debt to  XXXX  debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me.  Im really stuck and I dont know what else I can do or who I can turn to.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
THERE ARE SEVERAL INQUIRIES THAT I REQUIRE PROOF OF A PERMISSIBLE PURPOSE.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 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: Student loan

Received an email on XX/XX/24 that my account had transitioned to MOHELA 's new platform. I checked the account and saw that there were no payments. I paid {$1000.00} on XX/XX/24 and called to make sure it would be on my new account during the transition because they do not allow access to old accounts anymore. They confirmed that my money would be there. My new account had no payments on it. I called MOHELA on XX/XX/24 and they said there was nothing on the new account and they can not check my hold account to see where the money went. They said they could not confirm where my payment went and said it would take 5-10 business days to hear back. I told them that if my old account no longer exists then how are they still taking money out? I also asked if she could help me find my new account number and she said she did not know the answer to either of those questions. I asked the lady if she could stop my upcoming payments and she told me no and that I needed to go to my bank and have them move the payments to the new account. The bank can not do that.
Product: Mortgage

Several times my husband and I have asked this company add me to the account so things can be discussed with myself as they left me off original paperwork. Last year we had issues with the servicing company paying the wrong property taxes from our escrow account. ( XXXX ) After many emails, calls, and faxes later they finally paid them late. 2 weeks of fighting & proving the correct plat # due to their clerical error. 
All the while we were being told our property could go up for auction. I only figured this out when applying for homestead exemption. 
Then our payments went up as I'm sure they passed along the late payment to us due to their mistake. 
This year they say they sent payment for homeowners insurance XX/XX/XXXX. ( It was due XX/XX/XXXX ) As of XX/XX/XXXX payment has not been received. Sit on hold for 30+ minutes to be told by reps we should call back tomorrow. You get no straight answers and nobody is accountable. As the rep told my husband last night " unfortunetely '' we have no choice in who services our loan. 
These people don't care as it's not them who's being affected. 
XXXX XXXX is used by Lake View. Find a company who's going to service loans correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was contacted and reports to me as a consumer that my student loans are in closed status as I am still in my 3 year review period from XXXX XXXX XXXX XXXX   Discharge. The review period ends on XXXX XX/XX/XXXX. But the Credit report given to a potential creditor on a hard pull of my credit still lists my student loans as delinquent and not in the closed status. The Credit dispute  procedure was followed by me with Experian online in previous weeks and months. I rechecked my credit report with a local credit union and the delinquent student loans are still included in the information that the creditor receives but not in the information I see on my Experian credit report I am shown by my Experian consumer account. This information is used to deny me credit contrary to the laws of the Consumer Fair Credit Act. I disputed the Experian account in XX/XX/XXXX and I checked the status today on XX/XX/XXXX. The Delinquent account status is not supposed to be there according to my understanding of the XXXX when I received a TPD discharge of my loans in XX/XX/XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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