23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -TransUnion -- -- - XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -XXXX -- -- - XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 

15 U.S.C 1681 section 604 ( A ) ( 2 ) states 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 whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 the information is inaccurate.
Product: Credit reporting

I have disputed this XXXX times. I did n't sign for this item bought online.
Product: Mortgage

Our Mortgage started XX/XX/XXXX with XXXX XXXX and was later sold to PHH Mortgage who holds our mortgage now. 

Somehow, the tax bill belonging to the two properties adjacent to ours has been paid out of our escrow account in both year XXXX and XXXX. 

XX/XX/XXXX- {$1900.00} and {$1900.00} was paid to the county tax office out of our escrow, along with our correct parcel tax bill of {$2800.00}. 

XX/XX/XXXX- {$1900.00} and {$2000.00} was paid again to our county tax office out of our escrow account, along with the correct parcel tax bill of {$2900.00}. 

I reached out to PHH Mortgage in XXXX to start the process of solving and rectifying the issue. First, with no help to PHH, we figured out that it was the adjacent properties tax bills we had been paying and made PHH aware of exactly the error they had made with our funds. After talking with our counties tax office we learned that PHH had to work with the homeowner who owns both adjacent properties and get the tax monies back from their mortgage company. This homeowner was made aware of the situation and was very willing to make right the tax monies that she had not paid because of PHH 's paying them first. The Tax Office is not allowed to pay out any monies it has correctly or incorrectly taken in- which is why PHH needed to go to the properties mortgage company to get their refund. 

As of XX/XX/XXXX, PHH was able to get funds back from the incorrect paying of said properties taxes for ONLY the year XXXX - and even so did not notify me or has yet to explain where that refund was credited to - as I have not seen any monies in either check or credit. I could be missing it somewhere, but have been reaching out to try and get an explanation and have not been able to talk to someone who knows anything whatsoever about exactly what is happening. 

I have reached out multiple times since XX/XX/XXXX trying to let them know that XXXX errors have not been rectified. I end up explaining thing, or trying my best to sort this out, and have yet to have anyone show any expertise or really care at all for the case. Communication has been terrible since the beginning of this problem. If I do get a call and they leave a voicemail, I am given a general call center number and can hardly ever get back to anyone in particular.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a XXXXL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a XXXX release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( Experian, XXXX, and XXXX ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a XXXX collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what XXXX XXXX I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a XXXX authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with Experian, XXXX, and XXXX, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of XXXX if they had access to this information. I am hereby DEMANDING that this erroneous collection account from XXXX XXXX XXXX be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my XXXX rights.
Product: Credit reporting or other personal consumer reports

I have numerous credit inquiries on my credit report that do not belong to me. I have filed a police report and filed an identity theft affidavit about this matter. Please help me.
Product: Mortgage

Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I pulled my credit report and discovered that there were multiple inaccuracies. I send a dispute letter to equifax to have my personal information updated/removed and disputed an incorrect account ( XXXX XXXX ), and also some unauthorized inquiries. It has been past the 30-day allowed response period so I'm requesting that all of these things be removed.
Product: Debt collection

XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

Portfolio Recovery has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$30000.00} on my report as being past due on XXXX in XXXX as 120 days, nothing. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a multiple collection of the same account. I have contacted TransUnion, they just updated without removing the same multiple account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had XXXX days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an XXXX report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX 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
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$270.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$50.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX {$75.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$980.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorized ( authorization ) too view / pull credit for new accounts!!! 
( Identity Theft Victim - Equifax Data Breach )!!! 

Inquiry details : XXXX!!! 
XXXX XXXX  Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXXnquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Inquiry details : Equifax!!! 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding unauthorized inquiries on my credit report. I have attached additional documentation to support my claim. 

Complaint Details : 1. **Unauthorized Inquiries** : On XXXX XXXX, I discovered unauthorized inquiries on my credit report from Equifax. These inquiries were not initiated or authorized by me, and as a result, have raised serious concerns about the security of my personal information. 

XXXX. **Attached Documentation** : Enclosed with this complaint, you will find the following supporting documents : - [ List of attached documents, such as ftc report XXXX identification documents as requested by equifax rep ] 3. **Impact on Financial Standing** : The unauthorized inquiries have the potential to negatively impact my creditworthiness, which could have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and even affect my employment prospects. 

XXXX. **Attempts to Resolve** : I have made repeated attempts to contact Equifax to rectify this situation, but have received no response or assistance in addressing this issue. This lack of responsiveness has only compounded my frustration and concern.

5. **Request for Investigation** : I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure that Equifax complies with federal regulations and takes necessary steps to rectify the unauthorized inquiries promptly.

I believe that Equifax 's failure to adequately address this issue not only jeopardizes my financial well-being, but also raises questions about their commitment to consumer protection and compliance with applicable laws and regulations. 

I appreciate your prompt attention to this matter and request that you keep me informed of any progress or updates regarding the investigation. 

Thank you for your assistance in this important matter.
Product: Student loan

Had student loan and was in good standing and was just checking my credit and noticed it was past due no notifications or nothing and they sold the debt without my knowledge and also place XXXX bad debts on my credit. Company does keep good records because I 've tried calling no luck. Please help me it 's messing my life up. Can get approve for nothing do n't know who has the loans just know it 's been sold without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to Persolve Legal Group several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XX/XX/2021. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal group in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.