23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraud report to the three credit bureaus, XXXX, Equifax and XXXX. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX
Product: Debt collection

I have requested validation of debt that was reported to XXXX credit bureau 's without any validation of said credit. I have disputed this account with the credit bureau 's and I have sent written requests to the collection agency to validate this debt. The collection agency has not validated debt nor has the collection agency made any attempt to contact me in writing or by telephone regarding this collection. I have not received a judgment, signed a contract to pay, negotiated any payments or simply acknowledged or received any correspondence regarding this collection. I have contacted the credit bureau 's and this collection was removed from XXXX due to collection agency not validating nor verifying the collection.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}
Product: Credit card

Kindly examine the attached documents. I want the bureau to start an inquiry into these accounts, as I am never late with payments, despite their erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to XXXX, XXXX, and Equifax to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.
Product: Credit card or prepaid card

My complaint is with XXXXXXXX XXXX and OKCOIN. I was contacted by a salesman from XXXX XXXX, who sold me a subscription for {$190.00} back on XX/XX/2022. I paid it with my XXXX credit Card. In XXXX he call me again and told me that subscription was no longer being offered and he had been trying to refund my money. He connected me to a XXXX XXXX who could help me. XXXX asked me to log onto my computer and he could transfer me the money. I told him I wasnt giving him my Bank Infomation, he said he didnt need it. When XXXX tried to transfer the money, he claim he sent {$9800.00} into my account. Then he claimed he sent my {$200.00} onto a OKCOIN account. He transferred {$9800.00} out my saving account into his own account. I went into XXXXXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX Az. XXXX and they told me their was nothing they could do. I filed a compliant with the Atty. General Office and the XXXX # XXXX, XXXX Police Report # XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XXXX XXXX ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA. The accounts listed below violated my rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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 consumer reporting agencies can not furnish an account without my written instructions 15 U.S.C, 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to the consumer to any credit reporting agencies if the person knows or has a reasonable cause to believe the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$450.00} {$450.00} No. of Months ( terms ) : - - High Credit : {$450.00} {$450.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership
Product: Credit card

I applied for credit with Synchrony Bank XXXX FL and was turn down because their system said my credit score is too low [ XXXX ] this is not correct my score is XXXX XXXX and XXXX XXXX I feel this is Discrimination
Product: Debt collection

Repeated recorded message : " This is XXXX XXXX calling form Harris and Harris Limited. '' I have asked them to stop. They requested payment for a debit I don't have. I told them to send me any outstanding invoices. They asked for additional private information from me which appears to be the same tactics of a hacker. They are unable to validate any information to establish who they are and what business they have with me.
Product: Credit card

JPMCB, has charged off this account, and have not sent me a 1099 C form.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA. 
TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes. 
Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. XXXX as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of XX/XX/2023.
Product: Money transfer, virtual currency, or money service

There were XXXX cash apps that were scammers they said there was no way to get refund and there was nothing to be done..they were claiming they sold mini bikes and needed deposits.. it was all in an amount of .. my cash app name is XXXX XXXX XXXX CASH APPXXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX CASH APPXXXXXXXX XXXX / XXXXXXXX XXXX - {$250.00} XX/XX/scrub>XXXX XXXX CASH APPXXXX XXXX XXXX XXXX XXXX  - {$140.00} XX/XX/year> XXXX  CASH APPXXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/year> XXXX CASH APPXXXX XXXX XXXX XXXX XXXX  {$200.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from XXXX XXXX on XX/XX/year>, and discovered multiple inaccuracies across XXXX, Equifax, and XXXX. I disputed these errors, but the credit bureaus failed to properly investigate and correct them, violating FCRA 1681i.

The following issues were identified on my credit report : My reports contain unauthorized variations of my name, address, and date of birth, which remain uncorrected despite formal disputes. My report includes inquiries without proof of permissible purpose, violating FCRA 1681b. These include : XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Accounts such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are inaccurately reported with mismatched account numbers, balances, and statuses across bureaus, violating XXXX XXXX compliance standards. The credit bureaus failed to provide verification or supporting documentation from furnishers and continue to report inaccurate and unverifiable information.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Correction under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other related laws. 

1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : I have disputed several inaccuracies on my credit report which have been returned as verified without providing the necessary procedures and evidence used in the verification process. This is a direct violation of 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and provide the consumer with the results of the investigation, including the method used for verification.

2. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) : According to 15 U.S.C. 1681a, a consumer report should exclude information that solely pertains to transactions or experiences between the consumer and the institution making the report. My credit report contains such information, which should not have been included as per this regulation.

3. Violation of the Privacy Act of 1974 : The inclusion of nonpublic personal information in my credit report without my consent violates the Privacy Act of 1974, which ensures the protection and confidentiality of individual records maintained by federal agencies.

4. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801, 6802, and 6803 ) : 15 U.S.C. 6801 : Financial institutions are obligated to respect the privacy of their customers and to protect
Product: Credit reporting or other personal consumer reports

I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information
Product: Debt collection

My name is XXXX XXXX XXXX and on XX/XX/2021 I sent a dispute to the credit reporting agencies regarding this medical collection account listed on my credit report. I also reached out to the collection agency to request information that provides proof that this medical bill belongs to me. The collection agency CR COLL/USA for XXXX XXXX XXXX, MD. The account # XXXX. They said they sent validation but NEVER did. I was told that they will never take this medical bill off my credit report even if it was paid. I NEVER seen documentation because they refuse to send me validation information. I didn't sign any medical release form and I have ask to have this debt removed off my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' XXXX XXXX  XXXX - XX/XX/year> - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : # collection bureau of a 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: Debt collection

In XXXX of 2017, I moved back home to my parents house and had my wifi transferred over. Within a few days of me moving back, a technician came out to wire everything in the house. A week or so after everything was connected, I tried to access XXXX using the wifi and I was no longer able to so i Called XXXX XXXX XXXX and asked them why my internet was disconnected and they told me that I had called and asked them to disconnect the internet, which I never did and they have no record of that. On top of that, the wifi box was mounted on the wall and XXXX XXXX XXXX has it written in black and white that mounted or wired devices need not be returned. They proceeded to put this charge of {$170.00} on my account and refuse to remove it because they know that they are in the wrong. My next step is to take them to court if they do not remove this debt from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the first Complaint I recently submitted requesting the correction of my Credit File by deleting the fraudulent accounts and information off of my Credit File. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the Accounts and informationthat are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, M 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 Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.