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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation 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 no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
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 Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ERC continuously keeps putting identity theft account on my credit and causing me hardships. I have sent police reports several times and they keep replacing the debt on all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from XXXX XXXX XXXX that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my chexsystems report. This is not my account and I was a minor..
Product: Vehicle loan or lease

Refinanced my truck with one Maine financial and they said for the loan to be valid in Texas it needs to be registered in the state so I paid them XXXX XXXX dollars to register the truck and its been over a year now and I still havent received my registration and every time I call about it they blow smoke up my XXXX about some excuse or another
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account : XXXX XXXX, Account # : 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: Credit reporting or other personal consumer reports

I am the living woman and beneficiary of this account and it has been brought to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any responses because of the automated system they have in place which in fact is a violation as well.

They have violated the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give them permissible purpose to identify these acccounts. These 3 credit reporting agencies have contractual violations, FCRA Violations, UDAP violations as well and I do intend to sue if these accounts are not deleted from my report.
Product: Mortgage

1- On XX/XX/2020 tried to make payments online and there was no Make Payment link on the website I had been using to do this for about a year. It seems they are coercing customers to either pay by phone which involves a FEE OR one is coerced into signing up for AUTOMATIC payments! 

2- When I tried to send a letter by email using their email link it consequently disabled my ability to open the website at all! They are forcing customers into delinquency! I OBJECT! I will not stand by and allow myself and others to be coerced into delinquency which would impact credit scores!!! Contact them immediately please! Can they force me to sign up for automatic payments? 

3- This company is price gauging customers in the sense they have twice sent letters to recast ones mortgage to lower monthly mortgage payments which consequently adversely increases the interest at HIGH percentages! They cleverly neglect to say this in writing! All they say is that you will have a lower payment and they expect customers to figure it out ourselves that they ONLY put the higher interest level in numbers - without ever putting it into writing that you will be paying more!!!! That should be illegal! 

4- This company PHH mortgage is part of OCWEN and I do not trust this company ( PHH to be competent as they claimed to lose checks I had mailed in, twice!!! 

Please assist!
Product: Debt collection

Navient has breached it 's own verbal contract numerous times, and is now threatening default and lawyers. XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, created a separation from spouse, became homeless and forced to move to a healthier environment. <P/>I contact them many times via the only platform available due to homeless situation, email. Told them numerous times of the above situation, that I had no income but was spending meager savings to try and continue payments. I did so for a few months in XX/XX/XXXX until savings depleted. In XX/XX/XXXX I got part time work that did n't effect my XXXX, but left me with a take home pay under {$700.00} a month. Navient would accept nothing but a call, so had to find a phone to borrow for the call, thyey claimed " This call is recorded ... '' so, should have on file, requested Income Based Repayment, they complied and set a monthly {$50.00}, I have paid {$60.00} most months, and never missed one payment. Since the very next month after the first call, as well as another in XX/XX/XXXX, and on a monthly basis, they harass me stating " missed several payments, will go to default. '' I have never missed a single payment, sent numerous emails from a verified email address stating my income, employer, etc. ( No phone available. ) Only reply is continued form letters via email, " Several payments behind ... default, may turn over to lawyer ... call us ... '' I 've replied that I live in XXXX NM, phone N/A majority of time, FTC says verified email IS valid contact only to get same as above over and over. I 've researched Navient online and speaking to others via my XXXX work, and have found Thousands of complaints not unlike mine.
Product: Mortgage

I noticed unusaul activity such as unexplianed increase in payments XXXX occaisions a well as a returned payment with no explanation, when I requested to speak to fraud department I was refused, however an employee said of mortage company stated she felt it was wrong what was happening to me an she would email me some information regarding fradualant/unauthoried activity involving my account.
Product: Mortgage

MORTGAGE PAYMENT FOR XX/XX/2022 In XX/XX/2022 I purchased 3- XXXX XXXX Money orders TOTAL of {$2100.00} in the denomination of {$1000.00} + {$1000.00} + {$150.00}. The 3-Money orders were addressed to CITIZENS ( as instructed by my mortgate company ) and mailed it via XXXX XXXX XXXX XXXX to the address : CITIZENS, XXXX XXXX XXXX, XXXX RI XXXX My letter was INTERCEPTED by someone. The 3-Money orders were ALTERED and CASHED by somebody named " CITIZENS of XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX for proof of payment of the 3-money orders. I paid XXXX XXXX XXXX XXXX fees in order to get the front and back of the money orders showing who cashed the money orders. I have the copies in my possession now COLLECTION AGENCY CALLS/TEXTS/LETTERS Citizens Mortgage company continue to accuse me of NOT being current in my mortgage payments. On monthly basis I am being charged LATE PAYMENT fees even though I continue to make monthly mortgage payment. I have sent CERTIFIED LETTERS to CITIZENS CEO and another Office Manager to investigate this matter. I have not heard back from them.
Product: Student loan

My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  = {$2100.00XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XX/XX/XXXX = {$2100.00} XXXX XX/XX/XXXX = {$1200.00} XXXX XX/XX/XXXX = {$4500.00} XXXX XX/XX/XXXX = {$3500.00} XXXX XX/XX/XXXX = {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We areXX/XX/XXXXcompany based in XXXX. On XX/XX/year> we conducted a closing for a Seller 's home. We ordered a payoff from Lakeview Loan Servicing LLC on or about XX/XX/year>. On XX/XX/year> we received two payoffs from the Lakeview Loan Servicing LLC from the same fax number that Lakeview Loan Servicing LLC uses. The first one was the corrected and updated payoff and so was the second one. The only difference was that the second one had a different account number. We wired the payoff to the second account number and it was a scam account. 

I've notified our bank and started a case with Lakeview Loan Servicing but right now they are saying we have to send them the money again since they haven't received it yet.
Product: Debt collection

On XX/XX/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. 

I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. 

On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX   and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. 

This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX  rep adviced that i report Credence Resource Management to their fraud department for which i did. 

In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XX/XX/XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with XXXX in the past, XX/XX/XXXX with no  resolution from agency
Product: Credit reporting

I have made several attempts to contact Transition to request that they remove duplicate information from my credit report. They are reporting XXXX sets of derogatory information from XXXX XXXX and XXXX XXXX. They are the same account and it should only be listed once. The XXXX negative listings is having a negative effect on my credit score.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I have directly contacted Experian on multiple occasions regarding fraudulent information on my credit file that does not belong to me. I have tried to resolve via mailing Experian on the following dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Each time I have received a response that they are performing an investigation, or they are unable to honor my request when they should be following the FCRA and blocking the fraudulent information. I have had no issues getting any errors removed from XXXX  or XXXX  but Experian continues to ignore laws that protect identity theft victims without cause. Experian negligence have cause me great financial hardship and stress. Most recently I mailed Experian via certified mail ; return receipt on XX/XX/2020 which was received on XX/XX/2020 and signed for by XXXX XXXX at Experian mailroom. I have waited 60 calendar days and have received no correspondence from Experian and have grown frustrated to the point I have no other recourse but to file a complaint with the CFPB and pursue filing a lawsuit against Experian since their errors have caused me not to be able to obtain my security clearance for government employment. On XX/XX/2020 I mailed important sensitive documents to Experian regarding me being the victim of identity theft. For the past 6 years I have been XXXX overseas and was unaware of my personal information being compromised. It was not until I was honorably discharge from the XXXX XXXX XXXX, attempting to transition to civilian life and gain employment through a government contractor that I became aware of financial alerts on my security clearance investigation. Upon reviewing my Experian credit report, I discovered fraudulent information being reported as a result of the identity theft committed against me. I mailed my Experian credit report with fraudulent information circled requesting it be removed from my credit report since they were the result of identity theft. I requested Experian please provide an update with fraudulent information removed but no acknowledgement, communication or update was received from Experian. I have copies of all the documents I mailed to Experian via certified mailed which I will attach to this complaint. I provided Experian with the following documents to process my request : Federal Trade Commission Identity Theft Report, Identity Theft Police Report, Proof of Identity & Proof of Address : Copy of my Drivers License, Social Security Card and Utility Bill and a copy of an abbreviated Experian credit report with fraudulent items circled in red for deletion.
Product: Debt collection

Multiple agents calling from unknown numbers are harassing me about a XXXX bill and reporting to my credit. They are know to be fraudulent and are also cursing at me and calling at all hours
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, Texas XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

This company reached out to me on XX/XX/year> to confirm a loan that was approved in my name. I told them that I did not apply for a loan, and they cancelled the application and I was told to reach out to all the credit agencies to correct any incorrect information. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Requested information showing contract signed by me and said company and no information was sent.