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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00} XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy.

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I have asked XXXX to correct my public record showing XXXX XXXX which was filed XX/XX/2023 and discharged XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.
Product: Credit reporting or other personal consumer reports

I requested XXXX and XXXX credit agencies to remove an account by Portfolio Recovery services. Due to the fact that I have never had an account with this company. I was told that they were able to show validity of an Account that I have had with them which is False information and not legitimate. I have never had an account with the said company Portfolio Recovery. Based on the Fair Debt Collection practices 15USC 1692 Act, Porfolio Recovery is falsley stating that I have had an account with them with my signature with a date of opening an account which is also false and which was never provided to me, by law I was supposed to be given 30 days by letter notifying that this account was going to be placed on my credit file, which I never recieved.
Product: Debt collection

This company fraudulently sued me for old credit card debt in the wrong jurisdiction. They were sending mail and legal documents to an address that is not mine, but that of my bosses HOME address in OREGON. She " returned to sender '' everything, because I do not live there. 

XX/XX/XXXX I received an entry of judgement from the XXXX XXXX court house. My boss brought me the letter because she thought it was important. It was an entry of judgement and a lien put on my property because I didn't respond to the lawsuit. This company didn't even give me a fighting chance to respond, not only that, they sued me in the wrong jurisdiction. I live in Idaho, the lawsuit went through Oregon. 
I immediately called the courthouse, they gave me the phone number to the " lawyer '' and I called. This is a call center. I spoke with a XXXX the first time I called. He couldn't tell me why they were sending communications to an address that is not mine. I asked him several times, couldn't get an answer. 
I called back a second time that day and spoke with XXXX. She informed me the suit was XXXX XXXX XXXX for Comenity Bank. Couldn't give me dates on when debt was from. I asked for a settlement offer, to get this taken care of because these people now have a judgement wrongfully against me and I don't have money for a lawyer to fight this. Settlement offer is for XXXX. 
I called today, XX/XX/2024, to pay the settlement in full. I spoke with XXXX again. He took my routing and account information for payment in the amount of XXXX. He could not give me a confirmation number but said a letter would be sent to me. I then asked him when the court would receive satisfaction of judgement and the release of lien, he couldn't answer that with confidence, either. 
These people knowingly sent correspondence to a wrong address just so they could take it to court and win a judgement against me because they knew I wouldn't receive it. This is fraud!! They gave me no fighting chance to even respond to anything!
Product: Debt collection

I changed cable providers and paid what I thought was the finale Bill. Was contacted by XXXX credit about an outstanding amount owed to XXXX. The amount was XXXX. Contacted XXXX and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from XXXX XXXX and is reporting this as a new collection on my credit bureaus.
Product: Credit reporting or other personal consumer reports

There is an inquiry listed from XXXX XXXX from 20XXXX that I do not recognise listed on all three of my credit reports from XXXX equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received correspondence from Commonwealth Financial in reference to 2 medical bills on XX/XX/XXXX where services include Emergency Evaluation for {$960.00} and XXXX XXXX XXXX for {$51.00}. The provider is XXXX XXXX and were provided at XXXX XXXX Hospital on XX/XX/XXXX in XXXX XXXX XXXX, Florida. My Name is XXXX XXXX XXXX XXXX, ( The bills are in the name of XXXX XXXX XXXX ) I've not received services from a hospital in 15 yrs, Certainly not from XXXX XXXX Hospital nor been attended to by XXXX XXXX. My concern for Commonwealth Financial is what are your standards and protocol of verification of a bill to an individual? Do you verify birthdate?, Social security number? If you did, you would clearly know that these medical bills dont belong to me. I've contacted XXXXxXXXX twice and left 2 messages for XXXX XXXX to resolve this matter immediately.
Product: Credit reporting

I was seeking to file a dispute for an item listed in my credit report, and I was asked to verify information in regards to, mortgages, loans and credit accounts, none of which have I openned, and I was denied access to file the dispute because I answered truthfully in response to the questions asked.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.
Product: Checking or savings account

I am writing to report an issue with accessing my direct deposit funds credited on XX/XX/year>. The delay in access caused me to miss bill payments, resulting in unnecessary stress and potential late fees. 

Please explain why my funds were restricted and what actions will be taken to prevent this in the future. I also request reimbursement for any fees or penalties I incurred and fully investigate the root of this matter.
Product: Debt collection

Account was opened by my ex wife. We are in court right now trying to get her to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loan data is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that account.
Product: Debt collection

I contacted XXXX XXXX XXXXf XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. 

I also informed Professional Debt of that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. 

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,
Product: Mortgage

Annual Escrow Review Shortage Excessive! 

They are claiming I'm short {$3800.00} or I can have my payment go from {$1500.00} to {$1900.00} I have contacted the mortgage company on XX/XX/2021 to get a resolve to dispute the amount they are requesting. I had spoke to three people that day and each one gave a different answer with two disconnecting which I then had to call back each time. The great brush off. Each time getting a different person. The last person XXXX assured me they would investigate my complaint and have a resolve for me no later than XX/XX/2021. He took my email address and had the phone number. As of today no reply. 

The problem that has caused this shortage was the lender paid a full years taxes in XXXX and not a semi annual. I have papers that were signed and the lender disclosure the taxes were to be paid semi-annual. I explained the situation to each party. The first person reviewed the documents and told me I was correct and she would send me to the tax department. Waited on hold for quite a while then the line went dead. XXXX told me I would have to pay the overage or make the mortgage payment they gave me until the next time they did an escrow review. I understand that taxes and insurance do increase and the escrow be short. The escrow is not short the amount they are claiming.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my XXXX, where XXXX neither corrected nor removed disputed items despite the evidence that I provided, which is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

My vehicle lease was originally slated to end on XX/XX/2023. I recently found out my wife is XXXX, and didn't want to have to deal with lease return stressors while we reorganize our lives to accommodate the baby, so after making what would have been my final lease payment on XX/XX/XXXX ( which successfully cleared the bank and was applied to my financing account ), I requested a lease extension. 

The lease extension was approved, and the text of the confirmation e-mail stated, and I quote, " Your state requires us to charge upfront taxes for the full term of your lease extension. The amount due is {$75.00} and must be paid in full with your next payment. '' I thought nothing of this and moved on with life. On XX/XX/XXXX, I received a phone call from Honda Financial Services, telling me that my payment for XXXX was late, and I need to make a payment immediately. I panicked, thinking that my usual {$350.00} payment had evaporated into thin air. Upon signing in to their online portal, I discovered that they had actually applied the tax charges *before* my next billing cycle, contrary to what their e-mail said to me, meaning my account shows a {$75.00} late payment amount. In other words, it's as if they charged the tax in XXXX, but told me it would be due in XXXX. 

What appears to have happened here is the tax-charging system charged against the then-current billing cycle, which I had already paid to {$0.00}. I never received notification that this charge was applied, I was only told that I it would be due " with [ my ] next payment, '' and was not told this issue occurred until it was too late. 

I reached out to HFS by phone, and they told me I needed to pay taxes immediately regardless of what the e-mail said, because it's now Day 9 post- '' late '' -payment, and on day 10, fees are applied. This is in direct contradiction to what their e-mail indicated. 

In summary, to anyone looking to extend their lease with Honda Financial Services, their tax-charging system is poorly implemented and will charge to whatever the current billing period is, seemingly based on the current date. If you intend to extend your lease and are expecting to pay tax on it next month as their e-mail suggests, request the extension AFTER the billing cycle ends, not before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't received a response from ( EQUIFAX ) in over 30 days. They are reporting inaccurate information on my report. ( LATE PAYMENTS ) EXPERIAN and TRANSUNION WERE UNABLE TO VERIFY THESE ACCOUNTS AND REMOVED THE LATE PAYMENTS. ( EQUIFAX ) IS THE ONLY BUREAU REPORTING INACCURACY. 

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 

Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. 

If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter
Product: Mortgage

Freedom Mortgage in a letter/statement to your organization attached stated that the late payment ding was going to be removed from my credit report and as of today my credit report still reflects the lateness ding, hurting my credit score. 

I also appealed the lateness with XXXX  and an came back stating the lateness was still on my record even after Freedom said it would be removed after XX/XX/2020.