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

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

My student loans from the servicer XXXX XXXX was transferred to XXXX as the new servicer, and instead of this showing as an existing ( 10 year old ) account it is showing as a new account which severely imparted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and Transunion and Account # XXXX to XXXX. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly.

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my federally protected rights under the FCRA, UDAAP, and CFRs, TransUnion and XXXX is reporting and alleged " collection account '' with XXXX XXXX to be reported on my credit report. Under the law a " collection account '' is considered income under the law and should thus not be reporting as a debt. Additionally, the account is incorrectly listed as both " open '' and a " collection account '' which under the law is a violation since I am entitled to " maximum accuracy '' on all three credit reports reported by all three CRAs. This account is also currently NOT reporting on my XXXX credit report thus I do not currently have " maximum accuracy '' across all three CRAs.. Reporting of this account is also in violation of 16 CFR 313.10 which states that I have right to not have my nonpublic personal information disclosed to a non-affiliate. By fact that the original creditor sold my nonpublic personal information, without my written consent, to XXXX XXXX they violated the XXXX. Additionally, because the debt was in fact sold to XXXX XXXX, it is no longer debt and has thus converted to income. I have no financial relationship nor contractual obligation with XXXX XXXX. The reporting of this account on my XXXX and TransUnion credit report is also in violation of The Privacy Act of 1974. This account is also in violation of my federally protected right under 15 USC 1681a ( 2 ) ( i ) which states that the consumer report 's rules of construction have EXCEPTIONS which include the transaction history between " the consumer and the person making the report ''. It also violates 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, and 15 USC 1681f, and 15 USC 1681g. This account also violates UDAAP, specifically " deceptive and abusive practices '' because XXXX XXXX is listed on my credit report as " COLLECTION AGENCY/ATTORNEY ''. Yet, XXXX XXXX is NOT an attorney and thus are misrepresenting themselves to deliberately mislead me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may this concern, I recent reviewed my credit report on XXXX and I seen that your company has reported some inaccuracies on my credit profile. Due to the inaccuracies it is affecting my lively hood. I am being charge more than I normally would be. I am receiving hire interest rates and also getting denied for a credit card that I would be approval. 

It my understanding that theres no law that states anything should be reported to the credit reporting agencies. And so your organization is liable. 
Per 15 U.S.C 1681 ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I never gave permission for your organization to furnish this report on my behalf and Im also aware your organization assumed a vital role. Since you furnished such report without my consent it is obvious that your organization is violating 15 U.S.C 1681 as your reports are unfair, partial and no does not respect my privacy.

And Per 15USC 1681 ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As a result, here are my demands : - -Delete XXXX XXXX XXXX XXXX for XXXX
Product: Debt collection

I XXXX from the military in XXXX and moved out of state. I updated all my address information because it was demanded by the military that i do so. Fast forward to XXXX I get a letter from XXXX on behalf of AAFES that i owe {$19000.00}. i have no idea what this debt is from. When i was going through my exit clearing the military i was required to get clearing papers from AAFES and other Base agencies so that i may retire and i did. Now after 8 years i get this letter. They claim that they had an old address and that it was my responsibility to let them know about the address change... but i had no idea who they were so how could i have known. also when AAFES cleared me i thought i was good to go. They have collected my tax returns and now they want to take any money i have. i have contacted them several times to get them to stop but they dont stop and they charge extremely high interest rates. i will never be able to pay that amount. i dont owe that money!!!
Product: Student loan

Currently have federal student loans through ACS and trying to consolidate multiple student loans into a Direct Consolidation loan. Upon completion of application through the Dept of Education my consolidation was denied becuase my current servicer, ACS, stated that I had XXXX balances on all my student loans. Per my National Student Loan Data System report my current balance is {$140000.00}. ACS is preventing me from consolidating my student loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was placed on my credit file and I have requested the source of verification and proof this my account from Transunion and have never received the source or name of verification from Transunion they only keep saying its mine and verified. The source need a to reveal on how they came up with the decision its mine. I want it removed Also XXXX XXXX especially and transunion has very old accounts on my credit report from XXXX XXXX XXXX XXXX which are very old even if the account says closed I have ask those old accounts to be removed from my credit file to no avail they still are listed and I want them removed. I only have XXXX name XXXX XXXX XXXX I only have XXXX address XXXX XXXX XXXX XXXX, I want all other names and address removed from my credit file and forward me a new copy of the credit report. XXXX to the new Law these bureaus are not practicing the law and I want them hel accountable for not proper handing and misusing my credit file. Consumers must be provided with all sources for the information included in their file, including from the original and other sources, so they can correct misinformation. Consumers only need to make a request and provide identification to get their report rather than using specific language or lingo. The report must be presented in a way an average person could understand and include the sources of information. 

The CFPBs advisory opinion has no effect on formal rulemaking but highlights the bureaus top concerns. It comes as the CFPB considers expanding and updating federal credit reporting standards under the Fair Credit Reporting Act. 

This is a statement from CFPB and I want my credit report fixed properly this time.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

On letter dated XX/XX/2022 by Rausch Sturm requesting post-judgement discovery on a debt collection from XXXX XXXX XXXX that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXX {$1800.00}, and XXXX XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is XXXX my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed things are incomplete and not accurate. according to the Fair Credit Report Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates these accounts ( XXXX XXXX XXXX XXXX ) are not complete or accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

T

o whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a descri
ption of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX2021XXXX XXXX 2021 XXXX XXXX XXXXXXXX XXXX XXXX/2021XXXX  XXXX , 2021 XXXXXXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX 2021 XXXX XXXX XXXX XX/XX/XXXX2021XX/XX/XXXX 2021 XXXX XXXX XXXX XXXX  XX/XX/XXXX2021XX/XX/XXXX, 2021 XXXX XXXX XXXX XX/XX/XXXX/2021XX/XX/XXXX, 2021 XXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX XXXX 2021 XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/2021
Product: Debt collection

Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.
Product: Mortgage

PHH Mortgage # XXXX Services is our current Servicer. They aqcuired our mortgage on XX/XX/XXXX from Ocwen Financial Corporation mortgage account # XXXX, who was our prior mortgage Servicer. The following occurred : 1 ) We were unsuccessful in acquiring our Ocwen mortgage transaction history for Ocwen. After PHH Mortgage Services became our Servicer, we requested our Ocwen mortgage transaction history. 
2 ) on XX/XX/XXXX we sent email to PHH Mortgage Services requesting Ocwen mortgage transaction history. 
3 ) On XX/XX/XXXX, I received Ocwens ' mortgage transaction history document from PHH Mortgage Services. 
4 ) Following a detailed review of the Ocwen mortgage history document, we discoverd that there were possible serious mortgage regarding our mortgage, such as, Mis-applied payments, incorrect forbearance applications, where the Ocwen report showed that from the period XX/XX/XXXX to XX/XX/XXXX, Ocwen applied alll of our mortgage payments as forbearance payments, negative increases to our mortgage principal balance, etc.
Product: Mortgage

I am behind on y mortgage and am getting assistance from The state of Arizona and the hardest hit fund set up by the government. All I am asking for is a current statement which they wont supply for thirty days. They plan to foreclose XX/XX/XXXX and it takes the state at least 30 days after receipt of the statement to fund the deficiency to the bank. I can not get them to send me this information and I do not have an alternate place for my wife, XXXX young children and ailing mother in law who lives with us Account number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Money transfer, virtual currency, or money service

Yes someone accessed my account switched it to another account stole funds and more
Product: Debt collection

I took a stress test at my cardiologist 's office on XX/XX/2017. The charges for the XXXX  test procedure were submitted to and covered by my XXXX XXXX XXXX Federal Employees Program medical insurance. I received a copy of the Explanation of Benefits provided by XXXX to cover the cost of the procedure. The XXXX XXXX XXXX provider of the service was a XXXX XXXX XXXX  " preferred provider '' and, as such, was required to accept the amount indicated by XXXX as payment in full for the services rendered. XXXX XXXX and XXXX XXXX paid their portion and I paid the patient portion in full. The doctor 's office has attempted to collect an additional {$790.00} from me that I do not owe. I have received numerous calls and letters from them, their internal collections department and an outside collections agency. Each time, I have submitted letters disputing the validity of this debt and provided them with copies of my XXXX XXXX XXXX Explanation of Benefits, which clearly states that I am not responsible for any additional amounts. This have been going on for nearly two years and I am suffering a great deal of stress and anxiety because of the ongoing dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA 's refuse to remove fraudulent information from my consumer report