23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 1. Account name : XXXX XXXX  Account ID : XXXX XXXX. Account name : XXXX XXXX, Account XXXX Number 1 & 2 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: Credit reporting

I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian has verify the following accounts on my credit report was scheduled to be removed. Reinvestigate XXXX XXXX. on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on record until XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. 
XXXX Fl, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigate XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX. 

RE : Please Delete the following Collection Accounts : XXXX XXXX. Because it was scheduled to be removed from my credit file in ( XX/XX/XXXX ). And RE : XXXX XXXX XXXX XXXXBecause it was scheduled to be removed from my credit file in ( XX/XX/XXXX ). 

You recently verified both these expired accounts as accurate previously. Ive enclosed my credit report as proof. 

These accounts have expired and should no longer be reporting on my credit report. Your failed attempts to properly investigate this matter has caused me great financial hardship. 

Clearly you are reporting these accounts in violation of the Statutes of Limitations. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. XXXX XXXX, and XXXX have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

COMENITY BANK XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Doing the pandemic I was laid off prior to the unemployment benefits expiring on XX/XX/year>2020. I took out the loan in order to pay rent because I face eviction and I was not able to find a job before my savings ran out. I have been paying on the loans since 2020 in the amount approaching or over {$30000.00} for {$4000.00} loan. I can no longer afford to keep paying the loan because it never decreases the interest is nearly {$700.00} a month and it never goes down or the loan amount will never reduce. I'm stuck in a endless XXXX XXXX  with no hope. Please help me Rectify this situation it is a predatory loan that I needed to keep a roof over my head.
Product: Credit reporting or other personal consumer reports

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

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 XXXXXXXX
Product: Mortgage

WHEN FILING BANKRUPTCY DOES NOT EQUAL A FRESH START! 

As of XX/XX/XXXX, our bankruptcy became final. Despite the downward spiral of the economy at that time, we believed we were given a fresh, new start. Little did we know that eight years later, while applying for a VA mortgage refinance ( Ref. :  # XXXX ), we would still be stuck with a remnant of a second mortgage which was specifically included with that bankruptcy. 

Turns out that XXXX XXXX XXXX, now XXXX XXXX, had insured our 2nd mortgage ( Ref. : # XXXX ), through XXXX XXXX XXXX XXXX XXXX of NC, c/o XXXX XXXX ( Ref. : Acct. # XXXX XXXX ), who then, unknown to us, retained a lien on our homes title. So, in order to clear the lien and secure the new mortgage, we had to pay the insurer {$17000.00}. That money was originally slated for some home improvements and bill consolidation.
Here are my points : The original Fresh Start intent of this bankruptcy was totally defeated by the above activity. Plus, we would have gone to our graves while not knowing that our heirs would have to deal with this problem. How embarrassing. Now, if all of this is legal, what good is it? What purpose does it serve, except to protect only those who need it least?
I still have the paperwork and details of the above, as well as of the ignored attempts by us for a Mortgage Loan Modification in XX/XX/XXXX, while the economy and our business started really going south. ( Please note, that the original mortgage was finally modified ( Ref. : XXXX & XXXX XXXX # XXXX ) after the bankruptcy, which then avoided foreclosure. ) When I queried the reason they werent responding, I was told that the bank was so busy, that they were answering only those who were already in arrears ... which, we werent, yet. Of course, there begins the rest of the story, which lead to our filing bankruptcy and later, during better times, the story above. 

If someone in your offices can see there is a more positive resolve for us, in this {$17000.00} confiscation, Id be more than happy to supply all the necessary documents. Please, just let me know. 

Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ).
Product: Debt collection

In XX/XX/XXXX, I received services at a medical provider, but I wasn't able to pay my bill because I am low-income. I had applied for financial aid from the medical provider, but couldn't receive approval for financial assistance because I couldn't provide proof of address, due to living with family. As a result in XX/XX/XXXX, my medical debt was assigned to a debt collector, Professional Finance Company. The debt collector never made any attempt to contact me before putting this on my credit report like they are supposed to, before this was placed on my report, I should have received a letter stating that the debt has been assigned to their company, and informing me of my rights. Towards the end of XX/XX/XXXX, I sent a letter to the debt collection agency asking for debt validation letter. It will probably take 30-45 days before I get anything back, but I am still going to file this complaint The original amounts of the services from the medical provider were {$1100.00} and {$700.00}. The debt collection company has been adding interest since it was assigned to them.
Product: Debt collection

This company has violated my rights to privacy pursuant to the Privacy Act of 1974 and has purchased my non public personal information without my consent. I do not and never had a contract with this company. I have sent the company, Resurgent Receivables LLC, disputes and correspondences asking them to provide me with proof that they are licensed and/or bonded to collect in my state. I never did business or signed a contract with this third party which means they can not legally collect on a debt they allegedly say I owe. I asked them to explain to me how you are able to collect because I checked XXXX to verify and they are not licensed or bonded to collect in New Jersey. 

P.s. I attached the proof that they aren't licensed or bonded to collect in New Jersey.
Product: Mortgage

I do not have the exact date that I started to apply for loan back in XXXX with a company called XXXX. I was very hopeful as they seemed as well. I was honest and upfront completely about my situation in terms of my income where it comes from and how I get it. Which I was told they would be able to work with me and also my credit and I went through each one of my credit issues with them specifically because I did not want it run unless they really thought they were gon na be able to help me out because my credit isnt great. And they were positive so they were gon na be able to help me out he said this is none of this is a problem so I went ahead and I went for it this whole process took us a good three or four weeks because of the holidays and everything else. The entire time hes very hopeful hopeful hes telling me Im gon na get this not a problem. All of a sudden at the very end out of nowhere he tells me I have a XXXX score and they cant give me the loan. I dont have a XXXX score I keep track of my score on the three major credit bureaus and nowhere is there anything close to XXXX score and on top of that he refused to give me wherever he got the XXXX score from repeatedly I sent them emails and they wouldnt give it to me. I have so much happening in my life right now from illness to getting XXXX to possibly all kinds of things I cant even begin to tell you would have happening in my life its ridiculous that a few weeks went by and another company approached me and I have had a XXXX XXXX and Im on medication which affects my memory a little bit so when this woman approached me I asked her is there a way to check and see if Ive ever applied with you and she said absolutely. So she checked she said youve never played with us I said are you sure and she said yes I said because I do not want to apply and get turned down because Ive already applied she said not a problem you havent applied I said OK lets try this again went over everything with her. She never told me of any options she never told me of any problems reporting my income nothing like that never partway through the process after I paid {$500.00} application fee which I didnt pay before. I get a letter in the mail that tells me very vaguely why the last company didnt approve me and its the same company theyre both XXXX XXXX so she either lied to me or didnt do what she said she did. Im serious. Now Ive been calling and trying to get a hold of people in the company the CEO I was directed to this other guy name XXXX who is in charge of the region hes not calling me back Im trying to get a hold of other people the phone numbers theyre giving me or being directed to other people who arent even in the company this company is unbelievable they are so so shady. Its crazy and then I said I did some research they had to pay millions of dollars a few years ago for XXXX like this. I want my {$500.00} back. She lied to me flat out now she wont even talk to me. I cant get anybody to talk to me. That is unacceptable. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 XXXXS I XXXX
Product: Consumer Loan

I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?
Product: Debt collection

( AD ASTRA RECOVERY ) at ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) has been sending me collection notices in the amount of ( {$140.00} ) the collection has been reported as past due balance. I due not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : - XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX has taken control of this debt. Their number is XXXX. I am not working but I am trying to settle so it wont accumulate to more. I am trying to settle. I am trying to pay on it or make a payment and they refuse to listen to me or negotiate or help the situation. I keep getting told No its not enough I have to pay the whole amount. They are not trying to work with me. I am unable to get more credit because of this tarnish, I need more negotiation rights. I need help with them negotiating with me and listening to me. The representative is Not helping.She just keeps calling but not to help! It came on my credit report XX/XX/XXXX. Im trying to resolve, it by the end of XX/XX/XXXX, but there is no resolve, Agent keeps saying No to everything. Now we are in XXXX. I want to pay a reasonable amount and receive a letter stating its clear and removed from report. I want to pay the debt but Im not working so I dont have all the money, I have some and the agent refuses to take it.
Product: Mortgage

4TH COMPLAINT AGAINST PHH MORTGAGE SERVICES Previous complaint # XXXX It is truly appalling to see the disgusting corruption, lack of attention and downright negligence and ignorance on the part of OCWEN/PHH Mortgage. They knew that my loan was going to be sold as evidenced by their letter dated XX/XX/19 ( attached ) so they moved forward with subjecting us to their lies and additional process so that we could not access the insurance funds required to pay for repairs on my home. Now, they can further delay repairs for over 30 days!!!!!! 

Today, our area is in a state of " fire warnings? '' My home still has broken windows, but it is apparently okay for Ocwen/PHH to get away with their inept and incompetent responses. 

THEY APPROVED IN WRITING AN EXCEPTION! WHY IS THE CFPB DOING NOTHING ABOUT THIS SITUATION?