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

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX  ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act I have a right to accurate reporting and after reviewing my credit report today I Noticed something off about a couple accounts. Please help me by investigating these accounts. 

XXXX XXXX XXXX- XXXX XXXX -- XXXX XXXX -- XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to XXXX but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 
I would like to delete inquires, collections, late payments from my credit report ; from XXXX, XXXX and Equifax. This hard ship is stopping myself and family to buy a house, car, loan also.

15 USC 1681e ( b ) : This section outlines the " compliance procedures '' that CRAs must follow to ensure the accuracy of consumer reports, including reasonable procedures to verify information and investigate disputes raised by consumers.

15 USC 1681s-2 : This section specifies the responsibilities of " furnishers of information '' ( entities that provide data to CRAs ) when a consumer disputes the accuracy of information in their credit report. It requires them to investigate the dispute and report the results to the CRA.

15 USC 1681i ( 5 ) : This section details the process for handling disputed information within a consumer 's credit report, including the requirement for CRAs to reinvestigate disputed items and provide the consumer with the results of their investigation.

15 USC 1681c ( c ) : This section outlines the specific requirements for information that must be included or excluded from a consumer report, including limitations on how long certain adverse information can be reported DELETE ALL NEGATIVE ITEMS OFF OF MY CREDIT REPORT ; COLLECTIONS, INQUIRES, LATE PAYMEMTS OR CHARGE OFFS.
Product: Debt collection

XXXX XXXX XXXX deceptively never made me aware of the option to opt out of them reporting to my XXXX credit report. A charge-off is a certificate of indebtedness which means it's income and must be removed, since it's illegal to report transaction history. I am now opting out as a federally protected consumer per 15 usc 6802 and 16 CFR 313.4 and 313.7 in which I was never given a notice.ALL OTHER BUREAUS HAVE REMOVED THIS ACCOUNT
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a complaint to the CFPB ( # XXXX ) regarding a credit card error dispute that I filed with Bank of America ( BOA ) on XX/XX/XXXX. 

Following my complaint to the CFPB, I received an email from BOA. The email titled " Acknowledgement of Your Inquiry '' was received on Friday, XX/XX/XXXX and was from Resolution Specialist, XXXX XXXX  Mr. XXXX. The email requests that I confirm by XX/XX/XXXX that I engaged the CFPB by speaking directly on the phone. Lastly and more importantly, the email states, " Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. '' I have attempted to make contact with Mr. XXXX. When I call Mr. XXXX 's office, the immediate phone salutation states, " Thank you for calling XXXX XXXX XXXX. We are here to help. Please be advised we are a debt collector. '' Further, I received a letter in the mail from BOA on XX/XX/XXXX. The letter was dated XX/XX/XXXX, and requested that information be provided by XX/XX/XXXX. Luckily, I previously received this letter from BOA on XX/XX/XXXX, through my online portal and I responded with the requested information through the same portal on XX/XX/XXXX. On XX/XX/XXXX, I mailed back the expired request and copies of my prior online submission. 

The email and phone messages from XXXX XXXX XXXX - A DEBT COLLECTOR - does not appear to be in line with the spirit of consumer protection regulations when trying to resolve the credit card error dispute that I originally reported on XX/XX/XXXX - nearly 6 months ago. Not only did BOA not conduct a timely investigation after I followed regulatory guidance and bank policy, BOA restarted an investigation on XX/XX/XXXX. BOA had 45 days to reinvestigate and provide me with a decision. It is now XX/XX/XXXX, or 86 days. 

BOA has had nearly 6 months ( XX/XX/XXXX - XXXX ) to perform not only one but two reasonable investigations. Time is up. Further, the language in the email and phone messages for XXXX XXXX XXXX when referring to an error dispute are misleading, deceptive, and have a chilling effect. I have been beyond understanding and patient. I want credit for my dispute and I want this case closed immediately. 

CFPB : I do not know how to get your attention but this situation is a potentially systemic problem. A financial institution does not have any rights to take months and months, or restart and investigation for an error dispute. And then when the consumer engages the CFPB for consumer protection, the bank forwarded my case ( me - a consumer ) to their " debt collector '' to address my concerns. I am only one consumer speaking out about a {$3400.00} credit card error. These practices are problematic on many levels. How many more consumers are out there just like me? How do these credit card practices impact demand deposits? And how much does all of this add up to in restitution to consumers???
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. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX Balance : {$1600.00}
Product: Payday loan, title loan, or personal loan

I obtained an original payday loan for {$750.00}. Every 2 weeks the company has been withdrawing {$260.00} out of my account. When I check my account online with the company the balance owed keeps going up instead of down. For example I have made 6 payments of {$260.00}. and I now owe {$1000.00}. Somebody please help me supposedly this is a company that is in a sovereign nation on an XXXX reservation in Florida. I don't know what to do and I keep losing money that I can't afford to lose ...
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : 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

To whom it may concern : I am writing to formally dispute information on my credit report, as provided by your agency, under the provisions of Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report : XXXX XXXX XXXX Account Number : XXXX I request that you investigate this matter and correct or delete the disputed information from my credit report in accordance with the FCRA XXXX 

Also, in accordance with FCRA, I am requesting that you remove the address entry obtained to the associated items on my credit report and that you provide me with a written report and all original documentation detailing the results of your investigation and any actions you have taken to rectify the inaccuracies within 30 days from the receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit bureaus are not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from neither bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( 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. has violated my rights.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 submitted a letter to Transunion disputing XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and Transunion did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>Transunion responded stating that it meets FCRA requirements which is false.
Product: Debt collection

Tried on several attempts to get the company to verify the debt but no response according to the FCRA it gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a dispute and request for the correction of account information regarding Account Number : XXXX Date Reported : XX/XX/XXXX, Date Assigned : XX/XX/XXXX, Creditor : XXXX XXXX Original Amount : {$110.00}, Status Date : XX/XX/XXXX, Balance Date : XX/XX/XXXX Account Number ending in XXXX, that is currently being reported. After a thorough review of my credit report, I have identified discrepancies that I believe warrant immediate attention and resolution. First and foremost, I contest the accuracy of the reported balance on this account. According to the information you have provided, the account 's balance is stated as {$110.00}. However, I have reason to believe that this balance is incorrect and should instead be reported as XXXX ( {$0.00} ). The details provided in the account information suggest that this account has not been paid and remains unpaid since the date of the first delinquency in XX/XX/XXXX. This assertion is incorrect, as I have not only fulfilled my obligations on this account but also have documentation to support that the account was resolved and closed with a XXXX balance. Furthermore, upon reviewing the results of your investigation, it appears that certain fields have been modified, including " ADDITIONAL INFORMATION, '' " STATUS DATE, '' and " BALANCE DATE. '' It is imperative that these modifications accurately reflect the true and correct information associated with this account. Any inaccurate or misleading information can have a severe impact on my creditworthiness and financial reputation. I kindly request that you take the following actions : Correction of Reported Balance : Please update the reported balance of the account XXXX to reflect a XXXX balance, as the account has been properly settled and closed. Deletion and Removal of Incorrect Information : Considering the inaccuracies in the reported information, I respectfully request that you delete and remove the erroneous account details from my credit report altogether. The information provided is damaging to my credit history and is not a true representation of my financial standing. Confirmation of Correction : Once the corrections and removal have been made, I kindly request that you provide me with written confirmation of the changes. This confirmation will serve as documentation of the resolution of this matter. I would like to remind you that the Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. Inaccurate, incomplete, or unverifiable information must be corrected or removed promptly to ensure the integrity of credit reporting. I kindly ask for your prompt attention to this matter, as the erroneous reporting of this account has the potential to adversely affect my financial and personal well-being. I anticipate your timely response within 30 days as required by law. Thank you for your assistance in resolving this matter. I look forward to your prompt action.
Product: Credit reporting or other personal consumer reports

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. 
Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise. 

Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant. 

Please delete these accounts properlythank you!
Product: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX  XXXX 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Mortgage

In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?