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

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX, CAINE & WEINER, XXXX XXXX XXXX, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor progressive. I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT
Product: Debt collection

To Whom It May Concern, I am writing to formally express my concerns regarding the recent data breach that affected Bank of America customers, including myself. According to reports, the breach occurred in XX/XX/XXXX, exposing the personal information of over XXXX customers due to a ransomware attack on a service provider. However, I am deeply troubled by the fact that customers, including myself, were not notified until XX/XX/XXXX. 

The delay in notification has put me at significant risk of identity theft and financial harm. As a loyal customer, I trusted Bank of America to safeguard my personal information and provide timely updates in the event of any security incident. The lack of prompt communication and transparency is unacceptable and has caused me considerable distress. 

I kindly request a detailed explanation regarding the breach, the specific data compromised, and the measures being taken to protect affected customers moving forward. Additionally, I would like to know if I am eligible for any remedies or compensation due to the potential risks I now face. 

I appreciate your immediate attention to this matter and expect a prompt response addressing my concerns. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX TransUnion and XXXX are reporting charges offs on my credit report with balances, according to XXXX XXXX Laws that is a violation of my rights and is against the law. All charge offs by law must report XXXX balances since the debt was sold to a collection agency. 

Account name XXXX Account number XXXX Balance {$140.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX auto loan has been paid off in full and since, they have been reporting changes in payment history and balance increases to the credit bureaus but not reporting that the account is paid in full. I have disputed this with the credit bureaus and the disputes have come back complete with no changes. This means XXXX is unethically practicing reporting and collections which goes against the FCRA and compliance 2. These credit bureaus are definitely not seriously verifying the information and statements that are being placed on credit reports nor the disputes from the consumers. This is causing damage in manipulating the credit scores and history.
Product: Mortgage

I was approved for the Nebraska Homeowners Assistance Fund ( NHAF ) in XXXX of 2022, and US Bank was notified of this via NHAF the same month. US bank ignored this and proceeded with foreclosing on my home in XXXX of 2022. I received letters from a law firm saying my home was in default and would be auctioned off. I called NHAF and they again confirmed my eligibility and sent US Bank another notification in mid-XXXX  of 2022. In XXXX of 2022, I called a HUD-approved counselor who completed a three-way call with me to US Bank. US Bank stated the only way they could stop the foreclosure was for me to apply for a Standalone partial claim, which I did. I spoke with another HUD-approved counselor on the phone after that and was told that I would have to come up with the additional money beyond the {$30000.00} I owed, and NHAF would pay the rest. I stated I had the money and was waiting for the NHAF program to pay the first {$30000.00}. On XXXX NHAF paid the {$30000.00} to US Bank, which I didnt know about until I received notification from NHAF in XXXX. I was not sure when I was supposed to send my share in, because every time I tried to send US Bank money they returned it saying I had to pay everything I owed. I was not notified about any of this until I received a Bank Statement on XX/XX/2022 showing NHAF sent in the {$30000.00} on XX/XX/2022 but US bank didn't distribute the {$30000.00} from XXXX until XX/XX/2022 to my past mortgage payments. The Bank Statement shows that on XX/XX/2022, US Bank returned the {$30000.00} to NHAF and applied a partial claim to my account for {$32000.00}, which is now a separate loan on my account. I called the bank and asked them why they returned the NHAF payment and they said it was because I couldnt have a HAF grant and a partial claim at the same time. I told them I didnt want the partial claim, but they said I had to take it because it was already done. 

I dont know who this program is supposed to help because anyone who applies for any type of modification also includes a partial claim, so how is anyone going to get the HAF grant? I did everything I was supposed to, and followed what the HUD-approved counselor told me to do, and yet I still didnt get any help. I now owe more on my home than I did eight years ago when I bought it. 

I would like to appeal this because this was not handled correctly. I was approved, and US bank was notified of my NHAF eligibility before the partial claim was applied for, and the NHAF grant was received before the partial claim started, so this should not be happening. Can you please help me, I am at a complete loss as this is not fair, I did everything I was supposed to, yet I still didnt receive any help.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # XXXX - US DEPT ED Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XXXX XXXX, XXXX. 

Please review attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account NumberXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX,, has violated my rights. 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. 


I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting or other personal consumer reports

Transunion seems to never get my mail so please remove the following inquires as they were not approved or done by me and is a sign of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 received call was told if amount not paid today I would be sued and that Im not smart for not paying today because he could go get attorney right now and sue me works for Maury Cobb
Product: Debt collection

Theres a collection on my credit report from the collection agency named Calvary Portfolio Services opened on XX/XX/2014. They are attempting to collect a debt in the amount of {$420.00}. I do not have any type of contract nor agreement with them, therefore they are not allowed to attempt to collect a debt that is not owed. Ive tried resolving this problem before, but a resolution was not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & Outstanding Inc XXXX XXXX XXXX XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tradeline on my report from XXXX XXXX has been closed since XX/XX/2015. However a recent late payment is being reported.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

The complaint that I have is with SYNCB/WALMAR. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/WALMAR. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
Product: Debt collection

This account was reported over a year ago as a result of ID theft. Resurgent Acquisitions LLC is now in violation of the FDCPA for purchasing a debt that was previously disputed as a result of ID theft. Resurgent is trying to collect a debit that has been reported disputed. This account is issued from XXXX XXXX for a XXXX store card. Account ending in XXXX and a reported balance of {$160.00}.
Product: Student loan

Navient told me that I would qualifying for a federal forgiveness program. But when I got the paperwork completed with my employer and the federal government, I was denied. Navient NEVER provided a reason and after 2 years of trying to figure it out, I am now consolidating my loans to qualify for the program though that will be 2 years I could have put towards the federal forgiveness program.
Product: Payday loan, title loan, or personal loan

Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Product: Bank account or service

US Bank has not recorded all of my payments on a credit card. 
Last month I did not receive a bill. 
I made two payments totaling {$750.00} that did not show up.
Product: Credit reporting or other personal consumer reports

In XXXX I filed XXXX XXXX and US Bank stopped reporting to the credit bureaus accordingly. At no point did US Bank advise me of this action to stop reporting. In addition, the bankruptcy was discharged in XXXX. After applying for a loan, I was questioned about owning my home as there was no record on the XXXX. I called and spoke to a representative at XXXX XXXX  XX/XX/XXXX who advised reporting was completed from XXXX and then no further information was found. He was going to request detail to be sent to me and I received an email that they will not supply that information.

I called again on XX/XX/XXXX and spoke with XXXX who advised that their policy to to not report anything further when a bankruptcy was filed, unless I refinance the mortgage with them although that directly contradicts what I was told on XX/XX/XXXX and absolutely no disclosure of tat was ever sent to notify me accordingly. No one can advise why XXXX told me that he saw reporting on his screen from XXXX, XXXX, XXXX then, which was started two years after the bankruptcy was discharged. In addition, no other lender has mentioned that the mortgage was not reported as well prior to now. A formal complaint was taken by XXXX at US Bank on XX/XX/XXXX as well. 
Despite having filed the bankruptcy, which never impacted payments to the mortgage account, I have an impeccable payment history with the lender and them not reporting it hurts my credit score and future lending opportunities. If their only solution is for me to take advantage of the many offers extended over the years to refinance the mortgage and pay the costs associated this seems to me like blatent extortion on their part. I am good enough to refinance and receive their offers for additional services, why am I not a good enough for them to report the exceptional payment history.

If US Bank was not going to report it, other than when they felt like it, and provide a communication to me of this policy I could have taken steps back in XXXX when they stopped to refinance with a lender other than them. I was never given the opportunity because they never communicated these claims to me.
Product: Mortgage

Dear CFPB, I have XXXX loans with bank of America. 

XXXX address XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, ut XXXX I applied Covid 19 forbearance for both of the houses for 18 months, witch ended XX/XX/XXXX. 
I started making regular payments printed on monthly statements after XXXX, XXXX. 
Bank started charged me fees, they said they sent inspectors to the properties to check the properties. 
I was charged {$35.00} last three months, they charged {$17.00} before on both accounts for at lease two months. Bank sent inspectors twice to the properties while all the payment made on time. 
This is criminal to do inspection without our permit. 
Please refund all the fees bank charged me and stopping going to the properties. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX