23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was going through my credit and noticed that there is a collection on my credit report that i'm not aware of. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other  instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX I am writing to formally dispute the reporting of a debt on my credit report. This debt has been reported without my prior knowledge, which is a violation of my rights under federal consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, a debt collector is required to send a written notice of the debt to the consumer within five days of their initial communication. This notice must include the amount of the debt, the name of the creditor, and a statement of the consumer 's rights to dispute the debt. I have not received any such notification, denying me the opportunity to dispute or verify the debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be accurate and verifiable. Reporting a debt without providing the consumer with prior notice and the chance to dispute it undermines these protections. I was not informed of this debt and had no opportunity to verify or challenge its validity before it was reported, which is a breach of my rights under the FCRA. 

I request that you investigate this matter promptly and remove the unverified and improperly reported debt from my credit report and I request this be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a past due balance for rents that was owed. The account was settled with the original creditor, my property management company XXXX XXXX. Kimball and Tirey & St. Johns  is using the court documents to now say I owe them although I paid the original creditor.
Product: Debt collection

I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. 
They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed a dispute with XXXX and Transunion about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : BankruptcyXX/XX/2011 {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XX/XX/2011 Classification Bankruptcy Type Individual  Responsibility Joint
Product: Mortgage

Dear CFPB Representative, This is a continued complaint connected to claim XXXX for Mr. Cooper and the mortgage investor. 

As I have mentioned earlier, the bank will make a faster and larger profit on the foreclosure on my home if sold through a sheriff sale on XXXX XX/XX/2024 and have attached documentation to prove it. 

The bank has shared the investor details which I initially obtained through my complaint to you. I have not received a copy of any modification rules as the investor does not have any such internal document. I have no clue to what modification rules they must follow for all mortgages they own. I have asked that this complaint stay open until this process ends as the bank is currently tracking both my mortgage modification request at the same time as the sheriff sale of my home. I dont trust them to do the right thing regarding my modification. I have also attached proof of the complaint and the bank has asked that I complete additional mortgage paperwork that I am completing now and hope to finish by this Friday. 

I expect the bank to obtain a windfall of profit off the sheriff sale to equal or exceed approximately {$180000.00}. Please see attached documentation to show over {$200000.00} dollars in equity that is lost to the bank due to an accelerated mortgage clause. The bank appears to be creating a modification loan based on the value of the accelerated mortgage and not the loans actual value. 

Please review the attached documentation that demonstrates the windfall of profit the bank and investors will gain in a foreclosure yo provide additional profit for the banking system when sold again. There is no incentive for the bank to work with any mortgagor due to the accelerated mortgage clause and this bank is working hard to quickly snatch my home and make a profit at the same time. Help!!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
DELETE THE ACCOUNTS BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of specific hard inquiries from my credit report as I have been a victim of a data breach. My personal information was compromised, putting me at risk for identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following inquiries from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. 
As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This company is in violation of numerous FDCPA laws. This company is reporting inaccurate and unverifiable information on my credit report and is causing me distress and making my credit report look bad. I request that this company send me a validation debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am demanding that this company cease all forms of communication with me through any and all mediums. I would also like this company to stop reporting inaccurate and unverifiable information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX account, I requested for the statement " disputed by customer " to be removed from all three credit bureaus but it's still on my credit files. This should be deleted immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, XXXX, and Equifax to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Mortgage

They discharged and forgave the loans reported them as discharged, then the law office debt collectors still pursuded unlawful foreclosure. They gave fraudulent info to the court to obtain a judgment for loans that were not ours against even our children who were not on the loans or deed to our home. Ruining their credt too. Then after they sent a letter to the sherriff to not conduct a sherriff sale for the reason that the debt was forgiven and there was a XXXX balance on the judgment, then severalmonths later the same law firm collector tried to conduct a sale anyway with no notice and is trying to unlawfully obtain possession of our poroperty. The Bank made a settlement with me to dismiss the claim, but then again would not take what they told me to send them. This collector Law firm has serveal cases where the judge in one opinion of the supreme court upheld sanctions against them for fraud, submitting complaints fraut with errors, and the judge said it was worth to not that the company XXXX has been under serious scrutinization because of their fraud and he knew of 23 other such cases in his district ALONE he wrote in his opinion. I have somewhat figured out what they do, and they need to be prosecuted and stopped. I will provide what I have learned.
Product: Credit reporting or other personal consumer reports

Please see attached ID Theft Report I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter ( XX/XX/year> ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried with Equifax four times to clear up a discrepancy on my credit report. I had a home loan XXXX bank that was past due in XX/XX/XXXX, this loan was service transferred to XXXX in XX/XX/XXXX. The problem is that when creditors pull my credit report the report is showing up XXXX past due as of XX/XX/XXXX. When I first tried to refinance my house this loan was showing XXXX days past due as of XX/XX/XXXX, I filled a dispute and it changed to XX/XX/XXXX, I filled another dispute and it changed to XX/XX/XXXX. I have spoken with Equifax many times on the phone about this and still nothing. The bank I'm trying to refinance with has also tried to get this corrected. 

Please let me know how I can fix this, every time I try to correct this with Equifax my credit rating decreases and the situation gets worse.
Product: Checking or savings account

Reported XXXX  of a parent and execuitor. Provided dXXXX XXXX and court papers. Requested balances as of date of XXXX  for the court on XXXX. Wells Fargo Rep XXXX XXXX has failed to follow up once he was told we would not be opening an estate account at Wells. Need change of address, change in execuitor and balances as of XXXX  to report to court. i have also called customer service and no one follows up.Need information on CDs and Checking Acct.
Product: Mortgage

In late 2012 I was given a big pay cut at my company. My wife and I contacted Citi Mortgage to see if we had any options to lower the rate or lower the amount for at least a short term. They offered us a HARP loan modification that would take our payments down almost 200 per month. We asked for paperwork and what they needed to get this started. up until this point we were on time with our mortgage every month without issue. They had us send in money that they would " Hold '' in order for the modification to be approved.We made double payments to them and the money is shown on our account but never applied to it. They approved the modification and gave us a new monthly payment. After a few months I was looking at getting a new car and my FICO score dropped over 100 points. Once I looked I found Citi allowed us to go behind 5 months to show " need '' even though we still sent in money. This kept us behind for months, but the damage to my credit was done. I have asked and disputed the reports for years to the point I can no longer dispute it. My mortgage should never have been behind and they hid behind a federal program that was to help people in order to ruin my credit. I have no other options now and these marks need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

With experian credit reporting you are not able to resolve issues. The website will direct you to call their automated line and their automated line will direct you to use their website. I am not able to access my credit monitoring account to either cancel or view my service
Product: Consumer Loan

I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.