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

I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https :  //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on Transunion, XXXX, and XXXX  as a result of these hard inquires. When I called Transunion and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
Product: Debt collection

{$170.00} : XX/XX/XXXX : XXXX XXXX XXXX XXXX To Whom It May Concern, I recently examined my credit report on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any, and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information attached to your reply and accept this letter, as my formal debt validation request, of which I am allowed under the FOCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can alow me to seek damages from collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you through XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a loan with PennyMac Loan Services LLC. I have received a {$1000.00} tax reduction from XXXX County Tax Office. Twice I reached out to PennyMac about my tax deduction and provided them with a copy of my tax paper showing my deduction from the year of XXXX and it clearly stated my total estimated tax of the year is {$85.00}, that is what my taxes are at this moment and will further be due to my XXXX tax credit. The county and the city gave me my credit deduction, but PennyMac only gave me {$71.00}, when my total tax reduction should be {$1000.00} so they owe me {$1000.00} towards my tax reduction. PennyMac Escrow account department told me that my FHA Loan which they call Hazard Insurance and my personal insurance and property taxes on the home is all calculated in one bill, that's how they break it down and that's is the reason why they say they can't give me a large deductible back from my taxes. I called more than twice and I continue to receive the same answer from PennyMac.  In XXXX of XXXX, I received a check from PennyMac {$1100.00}, the check was to reimburse me from overpaying PennyMac Escrow department for my taxes and the years of XXXX and XXXX, which I had to notify them about my overly high tax amount. I sent in a copy of proof of overcharge taxes. My Escrow bill was higher then what my payment and insurance came out to be, due to the overcharging of my taxes in their records. Pennymac sent me 2 statements explaining my escrow, miscellaneous assessment, my hazard insurance payments , county taxes, and city taxes. All that information does not have anything to do with my {$1000.00} tax reduction and it doesn't explain or show why I only received a {$71.00} tax credit from them. My total monthly payments were {$720.00} they only reduce my payment to {$640.00}. When my payments should be a lot lower than {$640.00} due to my {$1000.00} tax reduction. SN : I paid all my property taxes out of my own money to the Tax Commissioner of XXXX County, Ga.
Product: Credit reporting or other personal consumer reports

Can not get report and experian has information listed wrong. I need to be able to monitor my report i also can't put a freeze on. My information was stolen in 4 data breaches, two over the past 2 days. I need to be able to freeze my account and monitor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

this account is inaccurate because it is being reported as a charge off monthly instead of one time and if its a charge of i should of received a 1099-c debt cancellation form. this form was not provided to me even after i politely asked multiple times. this account should be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times over the last 5 months. Whenever I try to get the security freeze lifted, Im unsuccessful. I should be able to do this online but it hasnt worked in 5 months. I then have to call and ask a rep to lift freeze for me and they usually give me a hard time advising that I should do it online. I also cant file disputes related to inaccurate reporting online with Transunion for the same reason. Ive been told that someone will call me back and they never do. They transfer me to someone overseas who has trouble understanding my concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Mortgage

On XX/XX/XXXX I was sent a letter from United Wholesale Mortgage ( mortgage servicer ) stating that after 1 year of servicing my mortgage, they didn't have enough funds in my escrow/impound account and I had to pay an extra {$6100.00} to bring the escrow account up an acceptable " cushion '' level. When my loan was funded in XX/XX/XXXX there was not sufficient funds held for taxes and insurance and a full year later they realized the mistake and asked for {$6100.00} or an extra $ XXXX. When requesting to eliminate the escrow account on XXXX via faxed letter, and handle taxes/insurance on my own, they sent me a denial letter on XX/XX/XXXX. Having to pay an extra {$6100.00} a year after this load funded to cover an escrow cushion has created a financial hardship and they do not care. Shame on United Wholesale Mortgage
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following Accounts have violated my rights. # XXXX Kingston data and credit international Inc. 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I Noticed that my credit score has been dropping a few points the past months but didn't think much of it.. then i noticed a huge drop recently and investigated and noticed that this Kingston data has been reporting late payments.. i have never done any business dealings with this company nor the anytime fitness that they are associated with ... nor have i given them permission to my credit information. this is fraudulent.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX  - Account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has committed Identity thef

t 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Debt collection

Transworld Systems is attempting to collect on past due amount of {$130.00} owed to XXXX XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XX/XX/XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to Transworld or not..
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

I have not been able to login to my account since XX/XX/XXXX. I have complained about this repeatedly to no avail. In the interim, I have not been able to make a payment and now I am faced with a late payment fee and a negative mark on my credit report that is not my fault. 
I have contacted the company requesting that this fix on this matter at least ten ( 10 ) times, including XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, etc., and I have received either auto responses or promises that the situation would be successfully addressed but nothing has been done.
Product: Vehicle loan or lease

I signed as a cobuyer on a car loan XXXX. The dealership allowed the buyer to take possession of the car prior to receiving the documents required for the loan. The buyer avoided the dealerships calls for many weeks prior to the car salesman letting me know that they hadn't received the required proof of college documentation from the buyer. I let the buyer know, and he admitted to me that he had lied to get financing and would just continue to avoid their calls until they quit calling. I informed him that they wanted him to return to the dealership with the car immediately. A few days later I received a phone call from the buyer. He was at the dealership and they had surrounded the car and wouldn't let him leave. He put the car salesman on the phone and the car salesman told me that dince he wasn't a student he wasn't qualified for the special college loan and that I would have to make his down payment. I declined participating in the new loan and I declined to make the down payment. I let the car salesman know that I wouldn't have qualified for the new loan anyway because I was informed that the business I was contracted through was closing and I didn't have income for the new loan. It wasn't until years later that I discovered that the dealership pushed the loan through anyway. They allowed him to go in months later and pay the down payment. I have made many attempts to remedy this with Ford Credit and with the dealership. The dealership admits to pushing the loan through and changing the down payment and loan program but still insists that since they got away with it for so long there's nothing I can do to them. They buyer was committing fraud and I wanted no part of it. I informed the dealership as soon as I found out and they should have stopped it there. But instead they made money by making the deal go through. Now the buyer has defaulted on the loan and I am attached to it even though I declined to participate in it. Talking to the president of the dealership today I learned that he isn't interested in the truth. He even attempted to scare me by saying that I'm liable for the buyer 's fraud. He even thanked me as of it were a compliment when I told him that I was shocked by his unethical leadership and that I now understand his ethics caused what happened. I'm concerned for other consumers. It's alarming that the person in charge doesn't care about following the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, this is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

After over 45 minutes of walking, being frustrated, embarrassed and stressed out searching for XXXX XXXX XXXX, XXXX, Oregon XXXX. I realized that the address contained in my credit report from TransUnion was inaccurate. Their is no such address as XXXX XXXX XXXX, XXXX, Oregon XXXX. Thus, XXXX XXXX initial and current consumer report prepared by TransUnion contains further inaccurate information, in violation of FCRA. 

I called the telephone ( ( XXXX ) XXXX ) listed on my credit report and learned the actual address is XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. 

I traveled to XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to obtain a certified copy of the tax lien issued by the XXXX XXXX XXXX XXXX XXXX. The certified tax lien specifically shows two different year tax lien ( XX/XX/XXXX and XX/XX/XXXX ). XXXX XXXX initial and current credit report fail to distinguish XXXX XXXX XX/XX/XXXX and XX/XX/XXXX tax lien. 

The failure to distinguish, update, remove, and instead continually reporting XXXX XXXX inaccurate tax lien by TransUnion was inaccurate, and occurred because TransUnion failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of his consumer report. Specifically, TransUnion does not follow the same automated and systematically rigorous processes to obtain all distinguished, satisfactions, releases, or other changes to the public record status of tax liens that it follows to obtain the original entry of tax lien information in the public record. 

Indeed, TransUnion follows no procedure which assures that, when distinguished, paid, satisfied or released tax liens under Oregon law, the updated status is promptly obtained and reflected upon the consumers credit report. 

ODOR public record indicated that the XX/XX/XXXX and XX/XX/XXXX tax lien had been distinguishable on a date prior to the date of the TransUnion consumer report. 

TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

As a result of TransUnion continues violation of FCRA, XXXX XXXX has suffered and continues to suffer damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized hard inquiries that have appeared on my Experian and XXXX credit reports. These inquiries were made on XX/XX/year>, by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  without my knowledge or consent. I believe these inquiries were initiated due to actions taken by XXXX, which did not inform me that third parties would be allowed to run hard inquiries on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. The hard inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX do not meet these criteria and are therefore unauthorized. 

Additionally, FCRA 15 U.S.C. 1681c ( a ) ( 2 ) mandates that credit reporting agencies report accurate information. The presence of these unauthorized inquiries on my credit reports is a violation of this provision, as they inaccurately reflect my credit activity.

According to FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. I demand the immediate removal of these unauthorized hard inquiries from my Experian and XXXX credit reports. 

If this issue is not resolved promptly, I will consider further action, including legal remedies under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act. 

Please confirm in writing that these unauthorized inquiries have been removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Product: Debt collection

XX/XX/XXXX : Received a notification of suspicious activity on our Macy/American Express card ultimately after investigating and reviewing our account statement on XX/XX/XXXX : fraud claim request on the following activity : 1 ) XX/XX/XXXX XXXX {$85.00} 2 ) XX/XX/XXXX XXXX {$130.00} 3 ) XX/XX/XXXX XXXX {$30.00} 4 ) XX/XX/XXXX XXXX XXXX {$14.00} total : {$250.00} XX/XX/XXXX : received letter from macy 's that investigation was underway XX/XX/XXXX : received letter from Macy 's that investigation was completed and all charges and related fees and interest was removed from my account XX/XX/XXXX : received statement that that we owe {$400.00} after contacting the fraud department they only removed {$14.00}. None of the letters showed what they were investigating and we were told on multiple calls we had with them that not to worry about the fees and interest that they would be removed. We are the point now that our score is damaged and a new file needs to be issued for the remaining balance. Your help to escalate this matter and resolve our credit score would greatly be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX  ( FINANACE ) - XX/XX/2022 -XXXX XXXX ( BANK ) - XX/XX/2022 2022