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

In accordance with the fair credit reporting act XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX - BALANCE {$0.00} Account Name : XXXX XXXX XXXX - BALANCE {$0.00} Account Name : XXXX  # XXXX {$340.00} Unauthorized inquiries XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I have reached out to all of the following companies and Transunion by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.
Product: Student loan

The company, FedLoan Servicin g ( " FedLoan '' ), is se rvicing my federal student loan. I am making payments und er the Public Service Loan Forgiveness Program and having  a payment each month under the Income-Based Repayment Plan is the only way for me to be able to afford the payment. And, I want to qualify  for Public Service Loan Forgiveness as soon a s possible.     FedLoan advised me that the date for recertification of my student loans was due by  XXXX   XXXX ,  2017.   The documents to recertify were submitted today (  XXXX   XXXX  , 2017 ) an d while on the phone with FedLoan I was told via phone that my  XXXX   2017 pay ment may not be under the Income-Based Repayment Plan amount because of processing delays.
Product: Debt collection

I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XXXX/XXXX/XXXX. XXXX XXXX  which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.
Product: Debt collection

I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. 2025- CFBP-0002 ) against them for similar violations. I request that the CFBP take action to ensure Equifax complied with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Debt collection

I returned my leased KIA vehicle in XX/XX/2021 in late XXXX i received excise tax bill from Kia for full XXXX year but i only had car for 1 month i explained to kia finance that if they could get the adjusted to the correct amount and they stated they would handle that with there tax department and send me adjusted bill. they never sent me adjusted bill as they received the rebate for city of XXXX excise tax department in XXXX and wrote off account of XXXX in less than 60 days of talking to kia finance. I never have been late on any payments and they clearly tried to collect on wrong amount and never sent adjusted bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to do free credit freeze with Experian online. 
They asked me verification questions all of which had NOTHING to do with me. I answered them correctly as none of the above. 

Experian then completely locked me out of online credit freeze. Says I can only signup via US mail. With totally different verification ( more cumbersome ) than the online process. 

I called and the automated phone system locked me out of phone signup. Wouldn't even allow me to talk to a human about the verification either technology error or on purpose design to lock me out. 

Thus is definitely not in compliance with the law in my opinion. Neither of the other bureaus ask four verification questions that have nothing to do with your life past or present. None lock you out with no ability to talk to a human. Only Experian. 

I'm an XXXX and I don't see how this is compliant with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against both Macy 's and XXXX XXXX regarding a late payment that has been falsely reported on my credit report. I have been in contact with XXXX 's since XX/XX/2022 to resolve this issue, and have been repeatedly reassured that the late payment would be removed from my report. 

Despite these assurances, the late payment has not been removed from my credit report, and I am extremely concerned about the impact this could have on my credit score and overall financial health. I have made multiple attempts to contact Macy 's to address this issue, but have not received a satisfactory resolution. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that both parties remove the inaccurate late payment from my credit report. 

Thank you for your attention to this matter. I look forward to hearing back from the CFPB regarding the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX .... & XXXXXXXX XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Mortgage

I have had a mortgage on a property since approximately 2003. It was underwritten by XXXX, sold to Green Tree, and resold to DiTech. Since the inception of the loan, it has been paid automatically from my bank account, and has never been late. 
Since Ditech got the mortgage, I have been harassed by phone and by mail, saying I am anywhere from {$35.00} to {$650.00} overdue. This is not true. I have contacted Ditech by phone 6 times about the issue, twice speaking with supervisors. Each time I call, I am told that my account is in fact NOT past due, but that since their takeover of the Green Tree loans, Ditech 's " reallocation '' process is behind, and that is the reason I continue to get dun notices by phone and by mail on a monthly basis. 
I do n't know what a " reallocation '' process is, and I do n't care. 
1 ) I want Ditech to stop contacting me to tell me my account is overdue when it is not ; 2 ) I want written assurance that my XXXX+ credit is not imperiled by Ditech 's internal XXXX.
Product: Debt collection

Complaint to the CFPB Regarding Paramount REC I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Paramount REC for violating my Fair Credit Reporting Act ( FCRA ) rights. 
Here are the details of my complaint : Paramount REC is sharing my medical information without my consent. I have never authorized anyone to share my medical information with a debt collector. 
I did not receive a five-day disclosure letter before debt collection began. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice disclosing the debt and your rights within XXXX days of initial contact. 
I was unaware of this debt and had no opportunity to dispute it. I never received proper notification of the alleged debt, hindering my ability to chalenge its validity. 
Paramount REC has not provided proof of proper notification. I request a certified receipt with my signature to confirm receipt of any communication regarding this debt. 
The FDCPA states that debt collectors must provide accurate information and follow fair collection practices. By fialing to properly notify me and share my medical information, Paramount REC has violated my rights. 
Furthermo under the FCRA, you only have XXXX  days to respond to a debt validation notice, not XXXX days. Silence is not considered acquiescence. 
I request that the CFPB investigate this matter and take appropriate action against Paramount REC. This may include requiring them to cease communication, remove inaccurate information from my credit report, and potentially compensate me for damages. 
Thank you for your time and attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Please note : ID and proof of address
Product: Vehicle loan or lease

I turned in the leased vehicle in late XX/XX/XXXX. Through the lease term, all payments were made timely by auto draft. In late XX/XX/XXXX GM Financial sent me the final billing which included damages noted in the inspection ( inaccurate ), a disposition fee ( per the contract ) and sales tax on the disposition fee. I called to dispute the damages, which was really tire wear. The rep adjusted the charge off because I had paid a damage waiver premium. I also advised her that it California, sales tax is not applicable on a lease disposition fee, referring her to the proper section of the California Revenue and Taxation Code. She referred me to GM Financial Legal, advising me to write my complaint and fax it to them. I did so on XX/XX/XXXX. I remitted the lease disposition fee, without tax, and received no further word From GM Financial. I believed the matter settled. 

Recently I attempted to refinance my home and discovered that GM financial reported me late, 3 times, each in excess of 30 days. A rather serious blemish on my otherwise perfect credit history. On XX/XX/XXXX I called GM Financial in an attempt to clear the matter. The rep was insulting and unhelpful and referred me to the Fax communication only Legal Department. I remitted another fax asking to correct their error. I disputed with the credit reporting agencies as well, but seemingly GM Financial refuses to rectify the matter or respond to communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 Balance : {$29000.00} ; XXXX  XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that is not my account on my credit report. I have sent two letters requesting that XXXX XXXX XXXX to validate the debt which they failed to do on the two occasions that I sent them a letter. First letter was sent on XX/XX/2020 and another one sent XX/XX/2020. I have attempted numerous times to dispute this information with Tranunion. 

There is also a 30 day late mark on an account that was closed with a XXXX balance, again the Merchant failed to validate the debt under the FCRA 611 ( A ) ( 7 ) as they are required to do so by law. This particular Merchant has put 30 day late marks on other credit reports FIVE months after the account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts Original 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each of these accounts 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

Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) XXXX  i very XXXX  up ... .XXXX   Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score. 

I am getting turned down for prepaid debit cards ... its ridiculous Transunion is best or most accurate of the 3, XXXX  is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
Product: Mortgage

Loancare forgot to pay my homeowner 's insurance. Called and received notice of cancellation on first week of XXXX. Contacted Loancare and they informed me that it was all taken care of and that it was paid. Received phone call XXXX/XXXX/16 and informed me that homeowner 's insurance was cancelled the XXXX of XXXX due to nonpayment by Loancare. Now I have to pay out of pocket {$1300.00} and my house is apparently not insured, even though I am making payments to Loancare.
Product: Mortgage

I HAVE A MORTGAGE THROUGH FREEDOM MORTGAGE. I REGISTERED TO PAY MY BILL ONLINE. EACH AND EVERY MONTH I CAN NOT ACCESS MY ACCOUNT AND HAVE TO SPEND AN HOUR WITH A TECHNICAL REPRESENTATIVE BEFORE BEING ABLE TO PAY MY BILL. IF I DONY HAVE TIME FOR THIS MY OPTION IS A PHONE PAYMENT WHICH THE COMPANY CHARGES FOR. THIS I THINK IS THE REASON THAT THE WEBSITE DOES NOT WORK PROPERLY SO THEY CAN GENERATE PHONE PAYMENT REVENUE.
Product: Mortgage

Bank of America colluded with XXXX XXXX to artificially inflate my homeowners insurance policy well beyond the cost of the policy. XXXX XXXX engaged in kickbacks to Bank of America XXXX XXXX XXXX XXXX as well as " profit sharing '' payments, and other costs unrelated to the procurement of new coverage. Your assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT MARK AS DUPLICATE. A PHONE REPRESENTATIVE OF CFPB EVEN TOLD ME TO RESUBMIT. THIS IS A SEPARATE ISSUE. 

To Whom it May Concern : I am writing to address the resolution of two closed complaints, numbered XXXX and XXXX. I do not consider this matter to be resolved and request that Chase Auto Finance correct the negative reports to my credit score.

Firstly, I allege that Chase has breached the contract between us by refusing to disburse the full payment owed to me. Despite multiple attempts to communicate with the company, they have repeatedly failed to pay me and have only made empty promises to credit my account. 

Secondly, I contest Chase 's claim that I have a contractual obligation to furnish the original title. As stated on the Oklahoma title, it is possible for a lienholder to be recorded in the state 's systems even if they are not listed on the title. I had no influence on what was printed on the title and was fully cooperative in adding Chase as a lienholder. It was not until months after Chase 's refusal to disburse the loan that we became aware of a potential mistake with the title. 

Furthermore, I take issue with the negative remarks on my credit score regarding missed payments. It has been years since Chase representatives promised to post a credit to my account, and in the final months of the loan, the credit owed to me exceeded the amount I owed on the loan. Without any prior communication, I received a check in the mail from Chase, instead of the promised credit. As a result, Chase falsely reported late payments to credit bureaus. It is worth noting that Chase 's disbursement was approximately five years late, yet they have the audacity to claim that my payments were late. 

Based on the above, I stand by my allegations of fraud. It seems that Chase had no intention of disbursing the loan as promised until I filed complaints with the appropriate agencies. 

I request that Chase make immediate corrections to any credit reporting services that may have been notified of late payments and correct the negative reports on my credit score.