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

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM TRANSUNION, XXXX & XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM TRANSUNION, XXXX & XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION, XXXX & XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Debt collection

This company has been practice law send 2009 scam, people out their money by collect for another company on old debt and he is not License, to practice in Texas. This Law firm has 43- Complaints on different consumers all over different states, and they have tried to work with them with a settlement with written statements which they refuse to do. How they are scam, people take their bank information and make payment arrangements, verbal with no original contract, and filed Lawsuit in different states and not been License in these states. And also when the consumer makes payment arrangement, Verbal over the phone with collector, 90 days of payment arrangement and sell their debt to another company to start over-collect money with no contract with another Law firm company. This is illegal and fraud and scam people all over the states. This company needs to be investigation need to take place with this company Rausch , Sturm , Israel , Enerson & Hornik LLP! 

Please start looking at all the complaints this Law firm has with XXXX  which is 43 complaints scam people out their money and file fraud lawsuit! Sell old debt, another Law firm!
Product: Debt collection

Discover cards debit collectors call me 5 times a day every day.
Product: Credit card or prepaid card

Contacted USbank on XX/XX/XXXX at appx. XXXX was told to contact XXXX  at XXXX. After entering the requested information the automated service stated it was not the correct information. I did NOT request any type of credit card and I do not want another card and I want to know how or where they obtained my information.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EXPERIAN ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EXPERIAN ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EXPERIAN ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EXPERIAN ] ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ EXPERIAN ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EXPERIAN ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EXPERIAN ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EXPERIAN ] accountable for their actions. 
Sincerely,
Product: Mortgage

Caliber Home Loans sent me a letter that they will refund the amount of {$5000.00}. Instead i received {$4700.00}. I called customer service asking why the amount was less and they could not come up with an explanation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA XXXX 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXXXXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report
Product: Debt collection

This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : 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
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I received a bill for Oxygen which the hospital ordered from a company who does not accept XXXX. I called XXXX, did an Appeal. XXXX worked with the Company, XXXX XXXX XXXX XXXX, which refused the XXXX amount,. XXXX sent me the check, I endorsed the back and put Pay to the Order of XXXX XXXX XXXX XXXX, per XXXX, and they cashed it. That claim is dated XX/XX/XXXX. Then XXXX reevaluated the claim and sent me a Summary on XX/XX/XXXX stating they denied all claims, paid nothing and I can't be billed anything. I have all these documents. Then XXXX again reevaluated because they accepted the XXXX check and said they should now bill my XXXX. But they can not bill me because of my Insurance. I have XXXX XXXX & XXXX XXXX due to XXXX  XXXX for XXXX XXXX. I have no deductibles, no out of pocket, co copays. Been that way since XXXX and the hospital knows that and I did not order the Oxygen or sign except for delivery. I have written to XXXX XXXX XXXX and to the Collection Agency who has threatened to put a Court Order on my Social Security which is my only income. I am XXXX XXXX XXXX. This I have done 3 times, this last time asking them to bill XXXX and sending the information to do that. I also asked for a Hardship Form which I was denied. XXXX gave me this site to report to you.. I am now getting phone calls from Tri State Adjustment , Inc. I got the first bill from the Equipment Company 2 days after I was released from the hospital and I had them come pick up the equipment the next day because I did not order it. I was told I could not go home without it, but the hospital should have ordered from a Company that takes XXXX XXXX XXXX. It took me longer to get over XXXX without the Oxygen, but I could not pay for it. Nor should I have to since XXXX and XXXX has always covered me. I have checked with my bank and they assure me that no creditor can attach my Social Security. I have no bills at all, I budget closely and I have no debt. Please help get them off my back. Stress with my health is not a good thing for me. And Thank You.
Product: Credit card

This is a complaint about a repeated issue at HSBC. This is not a duplicate complaint. In the CFPB Complaint : XXXX, HSBC did not provide the information it is required to provide under the Fair Credit Billing Act about a transaction on my credit card statement. This is eroding my trust in using HSBC credit cards for large-value transactions. The information requested is follows : 1 ) For CaseID : XXXX; please could HSBC confirm the specific excerpt of the " XXXX dispute policy '' it used as basis for its credit card dispute decision? In the first instance, why did HSBC reject the dispute ; and then later when I submitted the same documents/evidence again, why did HSBC accept the dispute? XXXX have advised, in writing, that HSBC is responsible for providing this information to its customers. 2 ) HSBC sent deadline communications for this dispute via postal mail. The letters systematically arrived after the deadlines had expired, potentially losing my claim rights to the dispute. Please could HSBC confirm the date the letters were sent, the deadline expiration date, the class of postal service used and the delivery timeline provided by your service provider?
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX  XXXX  {$9400.00} This credit account is the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am requesting to remove the unauthorized inquiry as a result of Identity theft from PENTAGON FCU-XXXX on my credit report. 
The credit inquiry is from PENTAGON FCUXXXX on the date XXXX/XXXX/XXXX. And it is on XXXX. 
I have not applied for anything with PENTAGON FCU-XXXX and did not EVER authorize PENTAGON FCUXXXX to check my credit history. This is a result of a recent identity theft. 
I am requesting that the unauthorized and illegal credit inquiry be removed from my credit report as soon as possible. But if PENTAGON FCU-XXXX  is able to prove that the inquiry is indeed valid, I request that PENTAGON FCU-XXXX provides written proof and a description of how the investigation was conducted. 
Enclosed are the reports of Identity theft filed with the XXXX Police Department and the Federal Trade Commission. 


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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 will also attached a copy from lexis nexis saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft. I noticed on my credit report on approx XX/XX/2023 that I had late payments to a XXXX  XXXX XXXX XXXX XXXX  that I never applied for. XXXX XXXX claims they began an investigation but then proceeded to sell it to a collection agency in XX/XX/2023, while failing to notify me, no mail, no email, no phone call. I followed up in XX/XX/2023 with them and am hearing for the first time that they disagree with my ID theft claim because the address and phone match my records. I ask them why wasnt I notified and they claim they did notify me, which is inaccurate. 

XXXX has violated my rights with their XXXX XXXX XXXX team which is handling my case. They do not understand consumer protection laws like the FDCPA and wrongfully came to the conclusion I was not a fraud victim. My phone number was spoofed via sim swapping and my SSN along with address and License has been for sale on the dark web and I have a documented history of being a fraud victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with Carrington Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that Carrington Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by Carrington, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and Carrington, however today I have been informed by Carrington that they can not do anything which I have attached, then I called back Carrington and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.
Product: Checking or savings account

1- withdrew {$20.00} 2- went to redeposit {$20.00} 3- atm could not process the transaction AND DID NOT PRINT RECEIPT OR RETURN {$20.00}. 4- approached branch and they stated they would put a claim in but never did. 5- asked for manager to meet me at machine- waited 30 minutes no manager. Branch did Nada, Zero nothing. Called Regions help allegedly agent opened compliant- checked on line and entered secured message 6- Opened complaint with regulatory agency! 7- Did followup Friday. NO secure messages, no redeposit of funds, nothing on file or in notes from them. 7- Allegedly all calls recorded and monitored NOTHING another LIE! 8- opened 3 new secure messages. 8 Allegedly agent opened another inquiry wait another 3 days more. Stated all calls recorded. Now ATM an agent of theirs dispensing or receiving deposits. Customers are at the mercy of the machine. In my opinion nothing from you or them. I expect nothing because this is a scheme. However, if you are the honorable company and organization you claim to be I expect my {$20.00} back. This is elderly abuse at its max since they infer I am the thief! 14 Regions XXXX XXXX {$20.00} {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00}
Product: Credit reporting or other personal consumer reports

car was a total loss as of XX/XX/XXXX and was paid off XXXX of XXXX.which in the beginning of signing the auto loan i had insurance and paid extra for gap insurance ... after the vehicle was a total loss in XXXX credit acceptance Corp receive the total amount of what i finance for back in XX/XX/XXXX from my previous insurance company ... ... since XXXX of XXXX to XX/XX/XXXX they have been reporting late payments which again I didn't have the vehicle anymore and it was a total loss... I've contact the credit burrows as well as credit acceptance Corp and only response was that I owed a balance of XXXX and something which I paid immediately so they can close the account ... .all i received was inaccurate reporting, which the account is closed. And it's still saying late payments, which has brought my credit score down dramastically, and it's affected me from moving forward... i've been sending police reports and trying to dispute this account for 3 years and they still haven't respond nor remove the late payment off my credit profile ... .can u please remove the inaccurate report in late payments or remove the account please...