23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PER section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


12 CFR 1022.3 - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Anything added to my report without my written consent is considered Identity theft!

15 U.S. Code 1681c2 If these things aren't blocked and removed in the four days, you will be in Violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance! 

Another Violation that you are not in compliance with is 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Provide me with a copy of those written instructions please... 

Please remove and delete all Closed, Charge Offs, Collections, Derogatory marks, Inquires from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I reached out to Experian and spoke with XXXX with the XXXX team ; she refuses to provide her last name or employee ID number. The reason for the call today, I requested to remove the fraud alert from my credit file. About an hour later, I noticed Experian decrease my XXXX score by XXXX points, and on the side of my score. I noticed a message to learn more about Fico score 8. I have attached the message for Cfpb to review, and long with decrease notifications. Also, on XX/XX/2020, Fico score decrease by XXXX points, and on XX/XX/2020, Fico score decrease by XXXX point ; within 13 days, Fico score decrease by XXXX points with no explanation explaining the reason for the decrease to XXXX score. Also, since XX/XX/2020, I had numerous accounts remove from my credit report please see below for account. 

XXXX XXXX XXXX remove XXXX XXXX  update reporting on a secure account Medical- XXXX XXXX remove XXXX XXXX XXXX remove XXXX XXXX current collection ; this account is not a current collection this is. 
XXXX XXXX XXXX remove XXXX XXXX remove XXXX remove I notice once the above accounts removed from my Experian report, the payment history did not recalculate. My Experian report shows an 85 % payment history late. I am requesting for Experian to update my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting all credit bureaus to have unauthorized inquiries. They were not willing to help me removed them until I receive a document from the FTC
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate which are listed as closed. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

I received an escrow review statement from mortgage company Mr Cooper the other day and immediately saw things weren't right. I called them today and they tried to run me in circles without giving me any straight answers. They are wanting to raise my monthly payment from {$860.00} to {$970.00} because of unknown reasons? Their review says that my homeowners insurance is {$2100.00} from XX/XX/XXXX to XX/XX/XXXX. That is a lie. My insurance agent gave me a quote of {$830.00} from XX/XX/XXXX for the following year. Mr Cooper claims they paid my homeowners twice at some time. XXXX!!! We both would have known if that was so. Mr Cooper is still Mortgage Star and still trying to XXXX people! I know that mortgage rates go up yearly because of property tax increases and insurance rate increases but please!
Product: Debt collection

Debt collection agency, Hunter Warfield Inc., filed a derogatory collection statement to Credit Report Agencies ( XXXX  and XXXX  ) for a debt that is not mine. 

I received no notice from Hunter Warfield of this. 

The debt was owed by my brother-in-law to his landlord, XXXX XXXX XXXX, in XXXX, XXXX, for unpaid rent. I was a guarantor of the rent for his 1st year, but the unpaid rent was owed after he renewed without my guarantee. 

I received no collection attempt from the Landlord, since I clearly had zero responsibility. 

Hunter Warfield apparently acquired the debt from the Landlord and likewise did not contact me for any collection attempt. Only contact was its filing to the Credit Report Agencies. 

I have filed disputes with each of XXXX and XXXX on this. 

But i would also like to submit this complaint to CFPB against Hunter Warfield directly.
Product: Debt collection

NOT, MINE. FTC VIOLATION. HIPPA VIAOLATION. HAVE NO KNOWLEDGE OF THIS COMPANY.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$2000.00} from my TD Bank account to my daughter 's account in XXXX with XXXX XXXX XXXX using Xoom.com, a division of XXXX. A day or so later, I discovered that I had made a mistake typing the XXXX number for international transfers. Although the money went to the correct bank, it did not go to her account. I called Xoom but because they had classified the transaction as " complete, '' they would not cancel the transaction, refund the money or see that it was credited to the correct account. I have called repeatedly and opened cases via their website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several times in XXXX. I have called repeatedly and been assured that a supervisor would send me an email, but all I have received were automatic responses to my complaints. One customer service person asked me to send a copy of my daughter 's bank statement to show the funds were not deposited, I did this, but the money has still not been either refunded or deposited in the correct account. The last case number I was assigned is XXXX but I am convinced this is a scam and the company is not making any effort to track my {$2000.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

GM FINANCIAL HAS VIOLATED ALL CONSUMER RIGHTS PERTAINING TO THE XXXX XXXX XXXX. DOWNPAYMENT OF {$1000.00} SHOULD HAVE BEEN REFUNDED DUE TO TRANSACTION WAS APPROVED BY CREDIT. CLIENT DID NOT HAVE TO PUT A DOWN PAYMENT DOWN WHICH IS A VIOLATION 15 U.S. Code 1662 ( b ) - Mixing cash with consumer credit transactions GM FINANCIAL HAS ALSO VIOLATED THE TRUTH AND LENDING ACT 15 U.S CODE 1601 CHP. 41 AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE ( GM IS NOT ALLOWED TO REPORT THIS INFORMATION WITHOUT MY WRITTEN CONSENT ) 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS ( TO REPORT LATE PAYMENTS IS AGAINST THE LAW ) 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 11. 42 U.S.Code 2310 - ILLEGAL REPOSSESSION ( GM FINANCIAL NEVER SENT A 10 DAY NOTICE OF REPOSESSION ) NOR THERE IS NOTHING IN THE CONTRACT OF A 3 TIME RULE 15 U.S. Code 1635 ( f ) - right to rescind after 3 ( three ) years ( rescind paperwork was never furnished ) 15 U.S. Code 1635 - right to rescission ( never advised ) 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1605 - finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges ( EXPLAIN YOUR FAULTY CONTRACT BECAUSE THIS IS FRAUD ) SEVERAL CORRESPONDENCES HAS BEEN SENT TO GM FINANCIAL ABOUT THIS MATTER SENT CERTIFIED MAIL AND THE COMPANY REFUSES TO RESPOND. AN ORDER TO CEASE AND DESIST HAS BEEN SENT AND GM FINANCIAL HAS VIOLATED THAT OVER 22 TIMES.
Product: Debt collection

In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

South west credit systems ( falsified information and dates, also threatened to sue for old dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Checking or savings account

CHIME HAS REPORTED FALSE ACCOUNT INFORMATIONS THAT HAS NOW CAUSED MY XXXX SCORE TO DROP BY XXXX POINTS. THE COMPANIES IN QUESTION ARE : XXXX AND XXXX. 
A {$240.00} BALANCE WAS RECENTLY REPORTED TO THOSE COMPANIES THAT IS ABSOLUTELY -- -- -- -- -- FALSE. I NEED THIS MATTER RESOLVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Cease and Desist Violation of Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) Dear XXXX XXXX XXXX, I am writing to formally demand that you immediately cease and desist from your failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that a consumer reporting agency, or any entity providing consumer reports, must maintain procedures designed to ensure maximum possible accuracy of the information in consumer reports. 

On XXXX XXXX I discovered that inaccurate, incomplete, or unverifiable information was included in my consumer report, despite my prior communication with your organization regarding the discrepancy. According to 15 U.S.C. 1681e ( b ), you are legally obligated to follow reasonable procedures to ensure the accuracy and integrity of the consumer information you report. 

By failing to correct or verify the disputed information, you are violating my rights under the FCRA. I request that you immediately take the following actions : Correct the inaccuracies or discrepancies in my consumer report, as per the mandates of 15 U.S.C. 1681e ( b ). 
Provide written confirmation that you have investigated and corrected the inaccuracies, including an explanation of the actions taken to ensure the accuracy of the information. 
Cease including any unverified or inaccurate information on my consumer report. 
If you do not take appropriate and immediate action to resolve this matter, I will be forced to consider further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through legal channels. 

Please treat this matter with the urgency and attention it deserves. I expect to receive a written response within 30 days confirming your compliance with my demands. 

Sincerely, XXXX XXXX
Product: Debt collection

THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note
Product: Student loan

I was informed that Navient received my Bankruptcy Notice in XXXX. I also completed the School Misconduct Discharge Application in XX/XX/XXXX. I made payments monthly from XXXX thru XXXX of XXXX. If my loan was discharged for Misconduct why would Navient not refund my payments made totally more than {$4000.00}. When I spoke to a Rep. from Navient I was told that any refund given would result in me having a new balance to pay. 

How can this be and how is it fair that payments were collected from me for a loan that was initially under Sallie Mae later Navient finding that XXXX XXXX XXXX was on the list of 151 schools that was sued by the Department of Education XXXX XXXX XXXX XXXX ). I should have remained in Administrative Forbearance until a decision was made. Navient owes me the total amount of payments made this year in addition to the compensation I qualify for in relief of the XXXX XXXX settlement.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am not sure why this inaccurate information is being reflected on my credit file with only your bureau. I am disputing the following inaccurate information on my credit file listed as a public recorded Bankruptcy. This Chapter XXXX Bankruptcy has been dismissed by the courts due to unethical practices of the attorney that filed this Bankruptcy without full disclosure. 
As you can see from the email attached to this letter, the attorney that filed the bankruptcy did so without my permission and has been found in violation of Professional Conduct by the Texas Supreme Courts Office of the Chief Disciplinary Counsel. This attorney faces the risk of losing his license to practice in the state of Texas. I have also reached out to the Texas Bankruptcy courts to see if they have reported this information to Experian and they have not, so Im uncertain how you were able to verify this information if they have assured me they have not reported this information to you as the court is civil and not a business but a part of the Public Sector of government and therefore do not report to the credit bureaus. Please provide the way in how this Bankruptcy was verified and the procedure that was followed. 
Please remove this negative item from my credit report in the next 30 days, as it has negatively impacted me. Per my rights as a consumer, inaccurate and unverifiable information must be removed It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately I also included proof from the Texas state bar confirming what I mentioned. Every other Bureau has removed it except this company. 

Thank you, Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called Direct Express explained that I thought my card had been compromised and wish to get a new card. I explained that I was visiting a relative but wanted the replacement card sent to my home address. I gave them the address. After almost 10 business days I called to find out where my replacement card was. I was told wait 2 more days and then call back. I received the card on the 2nd day of waiting and proceeded to try and activate. That was 3 days ago. I still have not been able to get through to activate. In the mean time I receive a letter telling me they had shut the card down because of activity. How do you have activity with an inactivated card? I have been on the phone for now 4 days and waiting I might add 45 min, 1hr 45 min, 56 min, I hr 13 min, 2hrs 17 mins, and more! I finally get through explain to them that I had received the letter and promptly told that I would have to get an verification code. I explained I had borrowed my cousins phone and couldn't remember the number. I had tried so many times to get them I was panicking that they would hang up and I'd lose my opportunity. Well they asked questions that I might add I find a privacy issue. I couldn't remember one of the answers and told them repeatedly I didn't know and was told its yes or no. Needless to say I picked the wrong one and couldn't even discuss my card. Again 2x today I have tried to call on hold right now as we speak have been on hold for 42 minutes this time. I hate that they have the power without notifying me to shut my card down. I hate that because some person somewhere else tells them I lived somewhere I can't remember that I can't discuss my card but they can shut it down. I hate the fact they will not answer the fricking phone!!!! Here it is XX/XX/XXXX and I have been all week trying to resolve what ever situation they dreamed up and can't get through. My check comes the XXXX. Holiday weekend. Can't get through. What has happened that they have all the say so over my money? This is unacceptable!!! Who the XXXX do they think they are? Please, do something about them this has happened to me numerous times and everyone that has a card I've talked to. I want to switch but told it will take two pay checks, who can wait 2 checks? Please PLEASE! Do something about them.
Product: Debt collection

This debt has been settled for over a year now. Pinnacle Credit XXXX -- an old XXXX bill that I did not owe, yet I paid it.
Product: Vehicle loan or lease

The vehicle was repossessed. This vehicle was my ex-girlfriend 's vehicle, and she made nine payments on the vehicle, totaling XXXX. The begging balance was XXXX. XXXX was written off. They say I owe XXXX. They will not send me documents of them selling the vehicle and how much it was sold for. This is hurting my job in the XXXX as it is showing as a collection on my credit report and XXXX XXXX
Product: Prepaid card

I recently purchased a {$500.00} American Express gift card with a {$7.00} fee from XXXX and have tried to use it at various places, mostly online and it has been declined. I have read this is an issue and that others have gotten a check back for this because of filing a complaint with you. I am hoping for the same.
Product: Credit reporting or other personal consumer reports

This has been causing me so much XXXX and I feel like no one has been paying attention to my complaints. I am seeking help because my credit report is now filled with a lot of inaccurate information.
Product: Money transfer, virtual currency, or money service

I had made an online transfer of funds to a recipient and I was involved in a scam of my funds. The recipient promised that she would mail me an item that I purchased through her website. She didnt send me the item but received my funds through XXXX app. Im trying to recover my funds which amounted to {$500.00} on XX/XX/20. I made a claim with my financial institution and they denied my claim. I wasnt able to retrieve the information I needed to file a complaint to the recipient bank. Because the recipient bank is affiliated with the XXXX app. They stated that they dont work with online app transfer of funds. I am filing a complaint to receive the funds that have been wrongfully taken from me. I also spoke to a representative from XXXX to try to recover the funds but they were not able to assist. Please help!
Product: Mortgage

On XX/XX/XXXX. I filled out an application for success with Rocket Mortgage. The deal came back with a trial modification. However, that trial modification seemed to go on for the duration of the Modification, which significantly increased my mortgage. I called and spoke with someone and I was told that the modification did not make sense, but it was just a three-month trial and then they would modify it. It seems to make no sense, so I did not schedule or sign any notary. Instead, I hustled up payment and I made the payment for XXXX on XX/XX/XXXX. I spoke to several different people, and none of them seemed to know much about my situation, but they tried. 
Dates I spoke to Rocket Mortgage : XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX If I did not pay by my trial period, I would be looking at foreclosure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX