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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I became sick two years ago, and was XXXX for three years, and during that timewe fell behind our Mortgage payments. We obtained help for Hope for Housing, and reached out to our Lender, XXXX for a Loan Modification because our Interest rate is at 8.5 % Our Loan was originated by XXXX XXXX XXXX, a Predatory Mortgage Broker who sold to XXXX and at the time we did not realize it was not a VA Loan, because I am a retired XXXX XXXX Veteran. 
XXXX will no longer communicate with us, except to say that the Loan was transferred to Fay Servicing, who have been reluctant to offer us a Loan Modification saying we did not have enough income. Now comes XXXX and filed a Law Suit adding insult to injury. 
We resubmit with the help of a XXXX Party our request for a Loan Modification, and our Financials clearly shows our combined income of {$3200.00} afford us a Mortgage Payment of {$970.00} which is 31 % according to HAMP Guidelines. I am a XXXX Veteran of XXXX years old and my spouse is also XXXX. I am still under medical care and we want to remain in our home. Fay Servicing is vigorously pushing us to Short Sell.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXXXXXX XXXX XXXX, account number 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX FIN Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2023. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but Navy Federal Credit Union took cash. The finance charge is supposed to include insurance, but Navy Federal Credit required insurance to be purchased separately.
Product: Debt collection

LVNV Funding LLC is attempting to collect a fraudulent debt from me. The fraudulent debt was originally purchased from XXXX XXXX. I have asked for the original contract, payoff disclosure, balance history, payment history and credit insurance history. To date I have not received said items. My credit score has been negatively impacted by the harmful practices of LVNV Funding LLC ( Re-aging credit accounts ). I am requesting that CFPB corrects the wrongs of the collection agency and restores my credit health.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXXXXXX XXXX XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Payday loan, title loan, or personal loan

No matter how much I pay, the balance does not decrease. It is absurd. I am stuck paying {$300.00} a month for a loan than was originally {$2600.00} and now I owe {$3000.00}!
Product: Credit card or prepaid card

I currently have an open credit card with Kohls. This account has been opened since the year of XX/XX/XXXX. I have never opened a kohls credit card. I called the kohls credit department and gave all my information based on whats on my credit information and they cant find anything listed under my name and cant find anything listed with my social security number. I filled a dispute and nothing has been taken care of. This is very concerning and I want this matter to be taken care of immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$270.00} ; XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

This complaint is in conjunction with a previous complaint I filed against my previous mortgage lender, XXXX. 
I filed a complaint against them for an unauthorized unapplied funds account due to their error and never notifying me. They shorted me {$1400.00} on my escrow account and then transferred my loan to Mr. Cooper. Mr. Cooper failed to notify me that they were my new lender and so my payment was late. And then they continued to raise my monthly payment stating I was short. After I conducted my own investigation and found the discrepancy, XXXX made good and forwarded the {$1400.00}. 
However, prior to that XXXX sent a letter stating that if I paid them {$1200.00} my account would be good and I would not owe anymore money. I did this. The {$1400.00} XXXX sent to Mr. Cooper was then placed on a monthly payment as opposed to returning it to me. I demanded the money be returned to me due to them not having permission to utilize it for a payment. It was returned.

Now Mr. Cooper says that they have placed an unapplied funds account stating I am {$1400.00} short in my escrow account. I have never been late for my payments. I have documentation from Mr. Cooper starting if I paid the {$1200.00} all would be good. However now they are stating my monthly payment is going up yet again. I can not speak to the previous people Ive been dealing with. I can not get anyone to call me back.

I have been dealing with this for almost 1 year and nothing has been resolved. I would like some assistance. Due to all of these issues with Mr. Cooper they submitted numerous late payments to the credit bureaus which have affected my credit score. I have never been late. I have bank documentation stating so.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I SENT MY 1ST DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT.

15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE
Product: Debt collection

I have done paid this account off I am in the process of buying a home and I am asking for a goodwill deletion of this collection from general revenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

collections calls on an automatic dialer, which was recorded. The call came from Mr. Cooper at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, UAS/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Product: Credit reporting or other personal consumer reports

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

I am a victim of fraud and/ or identity theft. Each of the accounts and transactions I disputed were opened and maybe by someone with a similar name as me or pretending to be. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four 4 days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B (15 U.S.C. 1681c-2) Block of Information Resulting from Identity Theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S.C 1681i (a)(1)(a) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the dispute was received unless the account is determined to be frivolous or irrelevant. FCRA 605B (15 U.S.C 1681c-2) Block of Information Resulting from Identity Theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency In accordance with the Fair Credit Reporting act The above Companies has violated my rights. Code 1681- Congressional findings and statements of purpose (a) accuracy and fairness of credit reporting. Congress makes the following findings the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C code 1666 Correction of billing errors 15 U.S.C Section 1681e(b) for a consumer reporting agency (CRA) to "assure maximum possible accuracy" in its credit reports, 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2020, I came back from XXXX after doing some grocery shopping and randomly decided to scroll through my credit accounts to see what debts I had to pay off. I went to my Military Star Card account, logged in, and to my astonishment, I found all of these alarming charges that I didn't made. Overall, the charges amounted to {$3300.00} and till this day, nothing has been done to reimburse these charges and to reinstate my account to its previous state. I was sent an email from ECP Fraud Department stating that I am being held for these charges due to the police report being " blacked out '' to protect the PII of the suspect that have committed this crime. It is now XX/XX/XXXX, 8 months after the fact and yet nothing hasn't been done to resolve this issue. I need help to get this situation resolved. Thank you for understanding my predicament.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach with XXXX XXXXMy personal information also have been exposed with the XXXX XXXX XXXX As well. I do not want my Dispute to turn into a 30 day Dispute based on Section 605B See Evidence attached below
Product: Debt collection

Beginning of XXXX an account was opened fraudulently under my social security number with XXXX. For the amount of {$950.00} in XXXX. I've only been to XXXX during a layover to California to drill with my military unit during that time. Which was only for an hour and I live in North Carolina. I've disputed these charges in the past and talked to the current debt collector, Receivables performance. They've tried to call me back in XX/XX/XXXX. But didn't talk to me any further due to the information they have being false. Then in XXXX I noticed that the collection was on my credit report for XXXX. When I talked to them all the information they had on me was false mince my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 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 update these items. 

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/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 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX CREAT REPORTED REFUSE MAKES NESSARY CHANGES DONE ON MY CREDIT REPORT .EFFECT SCORES RATIN HAD. DECREASED HORRIBLY. Denied FOR ANY LINE CREDIT.XXXX COMPlAINTS CFBP ( .1 ) COMPLAINT NOCHANGES. 2 NOCHANGES SHOWN.WHILE MAKE ON TIME PAYMENTS. CONNECTS credit bureau devices BANK CARD.

REPORTING HAS GOTTEN WORSE? Questions is it done PURPOSE du prior complaints GLANCING in. SYSTEM l AM. XXXX XXXX XXXX UNITED STATES VETERAN, WHOM FOUGHT FOR OUR Country BESIDES ONCE WERE EMPLO besides. RETRIED VETERANS AFFAIRS REFUSED FOR HOME LOAN. I HAVE PAID COMPANIES CALLED XXXX, XXXX XXXX XXXX XXXX XXXX WHOM BOTH states CREDIT BUEAU COMPANIES. COMPANIES REPORT information these comp has listed on my credit report don't match.consumers incorrectly XXXX Equifax XXXX request information When you provide these companies information. still no charges done on my file. 
This matter has gotten bad. Veterans affairs. Decide resents send letters contacted Government. Due to me once was veteran entire life given fighting for our country refused credit due to reports record government requirements listed score has reached XXXX better My scores barely report XXXX l have applied XXXX denied barely move into apartment. I no there is mistakes done on my credit report what happened to FRA. Does it resist .l have ran disputes to credit bureau when ever decision. Made the account be removed out nowhere shown account was replaced. Showin twice. Including these collections complanies who also trying to collect. government has sent letters out to my behalf these companies requesting STOP reporting. Info how to Handle situation. Judge signing off on it. Decision. What reason for fraud alerts nor disputes? Thur to later decision has been changed. Notice company called XXXX XXXX. This account was placed XXXX. Showin correcty no late payments .the account was settled payoff. Earlier then request .credit report companies has it showin reporting. Late. Due to co-signer. Investi matter. My account was changed without me bein contact.. Now Shown on my XX/XX/XXXX. Notice before this account was bein report but wasn't graded correctly? No late payments on time .also company Called XXXX XXXX XXXX XXXX. This account XXXX. Years no late payments made on time. instead it reported grade it report late errors XXXX. This account l have documents. Company provided stated only tif error shown due to murchandie. Bein paid off my account refinancing Company 's called ( web bank ) listed two three times shown on my credit report including collections. I have police report. This is not my account. companies stated the incorrect information provided credit bureau provided to them only information they have other wise they don't have accurate information. Shown on my account