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

The document addresses multiple inaccuracies and unaurthorized reported to the credit bureaus by XXXX and Experian. The primary issues include erroneous delinquencies, misleading charge-off statuses, and unverifiable collection entries. These discrepancies violate consumer protection laws under the FCRA and TILA. Each section highlights specific instances of non-compliance, relevant legal precedents, and actionable requests to rectify the errors. The disputes are methodically organized and emphasize legal recourse should the agencies fail to resolve the discrepancies within the stipulated time-frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - unauthorized credit inquiry on credit reports. 
XX/XX/XXXX -I called MobiLoans on or around XX/XX/XXXX XX/XX/XXXX Mobiloans sent email with burdensome items to complete such as getting documents notarized in order for them to start an investigation and remove the unauthorized credit inquires. 
XX/XX/XXXX On or around XX/XX/XXXX I sent letter remove unauthorized credit inquiry to Company via USPS mail. 
XX/XX/XXXX On or around XX/XX/XXXX I sent a second letter Removal of Unauthorized Credit Inquiry 2nd Attempt via USPS Service Type : Certified Mail - - First-Class Mail Return Receipt Electronic # [ ] o Enclosed in my letter to Company I included a company of credit report showing the inaccurate, unauthorized credit entry and other identifying information. 
XX/XX/XXXX - Company acknowledge receipt of my Letter ; Company responded via email on XX/XX/XXXX. ( Note : In letter I sent, I advised that I prefer communication regarding this issue sent via the mail not e-mail ). 
XX/XX/XXXX Mobiloans excerpt from their email ( XXXX ) : o To further address your concerns, on XX/XX/XXXX and XX/XX/XXXX you placed a call to Mobiloans regarding identity theft. On XX/XX/XXXX instructions on how to submit an identity theft claim was sent to XXXX. Currently, Mobiloans has not received the required documents to begin our investigation. Mobiloans is unable to accept your word alone. We are unable to validate an identity claim without adequate information and supporting documents. Again, if you feel that your personal information was fraudulently used to apply for a line of credit, in order for Mobiloans to begin an investigation, please submit to Mobiloans the items listed below.

Mobiloans Identity Theft Affidavit ( must be completed in its entirety and notarized ; incomplete affidavits will delay the investigation of this claim ). We have attached this form a second time for your convenience. 

Current Driver 's License or State Issued ID. 
Filed police report with contact person including a phone number for the police department. 
Current utility bill You may submit the above listed items to Mobiloans by fax : XXXX, by email : XXXX, or by mail to Mobiloans address listed below. 

We are unable to take any action without the above requested items from the consumer. Once the above requested items have been received, we will begin an investigation into your claim. Once our claim has been completed, you will be notified of our results. 

XX/XX/XXXX I filed police report regarding this possible identity theft in relations to this unauthorized credit inquiry, and the attempt of someone using my information to gain access credit using my information. 
XX/XX/XXXX I have sent off information requested from Mobiloan via e-mail, albeit NOT Notarized as this is a burdensome cost and presents a taxing task which I believe is not a requirement based on my understanding of the law in order for the Company to rectify this inaccurate reporting. 

Company ( Mobiloans ) has not removed inquiry as of today.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX XXXX in TRANSUNION, balance is {$0.00}, and account # XXXX
Product: Mortgage

THANK YOU FOR YOUR ASSISTANCE. I ALSO SENT THEM THE LETTER YOU RECEIVED. THERE IS ALOT TO THIS MATTER, MORE THAN IS EXPLAINED IN THE LETTER. THIS FREEDOM MORTGAGE COMPANY BOUGHT OUR LOAN FROM XXXX XXXX, BUT DID NOT NOTIFY US UNTIL 27 DAYS LATER. I DID NOT SEND THE XXXX PAYMENT TO ANYONE SINCE XXXX XXXX INFORMED ME XXXX XXXX THAT THEY SOLD OUR LOAN AND WE SHOULD HEAR FROM THE NEW MORTGAGE COMPANY WITHIN 15 DAYS, AND WE DID N'T GET NOTIFIED UNTIL XXXX XXXX. NOW FREEDOM MORTGAGE COMPLAIN THAT WE DID N'T SEND OUR XXXX PAYMENT AND THEY TOLD THE CREDIT REPORTING BUREAUS THAT WE ARE ONE MONTH LATE ON PAYING, WHICH HAS RUINED MY HUSBAND 'S XXXX CREDIT SCORE,  AND TWICE A WEEK WE GET MAIL THREATENING FORECLOSURE. THEY ALSO SENT A MAN HERE TO TAKE PICTURES OF THE HOUSE. ALSO THEY ARE ASSESSING LATE PAYMENT FEES AND OTHER FEES EVEN THOUGH MY BILLPAY PAYS ON THE XXXX OF  EVERY MONTH. I AM GOING TO START PUTTING THE MORTGAGE PAYMENT INTO AN ESCROW ACCOUNT UNTIL THEY STOP THEIR ILLEGAL PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to meXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX U XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt or credit management

Lexington law charged me upfront multiple times. Knowingly charging upfront fees when they werent supposed to. Where did this money they werent supposed to take go?
Product: Student loan

These people are loan sharks! I am a XXXX. My husband was the only XXXX in my family working while I attended college. He left as soon as I finished. I have XXXX daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to XXXX, so I am returning to school to get a XXXX. AES is ruining my life. They want me to pay them almost {$600.00} a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't even want to live because of them. I want to pay them and I will pay them, but I can not pay until I have a job. The only way I can get a job is to teach. This company will not relent and they will call you until your phone blows up. It is no use trying to work out something with them. They will not listen and they 'll write you back the same thing they said all along. Please help! XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Complaint against Midland Credit Management XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management Inc. for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

XXXX. **Failure to Provide Validation Information : ** Midland Credit Management Inc. has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

XXXX. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

XXXX. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Midland Credit Management Inc. cease such practices immediately. 

XXXX. **Failure to Provide Disclosures : ** Midland Credit Management Inc. has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

XXXX. **Cease and Desist Order : ** I dispute all debts claimed by Midland Credit Management Inc. , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

XXXX. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Midland Credit Management Inc. and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Midland Credit Management Inc. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

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

Upon requesting and viewing my credit file with Transunion ( XXXX # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XXXX of 2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XXXX This account is paid in full. 

3. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.
Product: Checking or savings account

Suntrust Froze my business checking account and this has caused catastrophic destruction within my business and my creditors. I have kept my nose clean and have done nothing wrong. I have been calling consistently to get a clear cut answer but I keep getting the run-around. 

Additionally Suntrust sold my saving account information to a company called XXXX XXXX who took money out of that account unauthorized. During the investigation, XXXX XXXX admitted they are affiliated with SunTrust.
Product: Credit card

SYNCHRONY BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Number ending in XXXX Dear Sir : I am contacting you regarding the identity theft cited in the above referenced account. 
As required under the Fair Credit Reporting Act of 1960, I am requesting copies of all records relating to the illegal and unauthorized change of address your organization allowed an unknown fraudster to make to my personal information that allowed this person to make unauthorized purchases on my account referenced above. 
This request includes all investigation results taken to resolve your unauthorized change of address as well as any and all future precautions you will be making to prevent this unauthorized and unlawful act to occur in the future. 
This investigation should include the original identity verification records used to authorize this change of address as well as any internal correspondence regarding your investigation into this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I demanded deletion of the Public Record XXXX and all accounts that has XXXX listed with it deleted off my credit report if no physical verification is able to be provided. I received a notification via email from XXXX and Experian saying my Public Record was updated after both credit bureaus were reporting inaccurate information. If I read the law correctly under FCRA it stated that inaccurate information should be removed deleted. I received a letter from the Court stating they do not provide XXXX  information to the credit bureaus.
Product: Student loan

I can not contact Mohela. Wait time is over XXXX hours. I am unable to do anything online. This is completely unacceptable. I believe the save plan i am on is up and I can not move forward. I believe they want me to pay something I can not afford and I can not reach anyone. The website says I do not owe anything currently, but I received a letter stating I would. In the past when I did get in contact with them, I got information I believe to be incorrect and they convinced me to get into this XXXX plan and now here I am screwed. How can this company be so incompetent for so long and nothing be done about it? Also, when you call the number ; you can not key any of the options from the menu ; it just does not work.
Product: Checking or savings account

On XX/XX/2019 I received a stack of mail from Chase Banking, with whom I have never done business and do not intent to. Two pieces of this unexpected mail were to activate new debit cards for two fraudulent checking accounts opened in my name without my authorization. Three pieces were returned checks dated XX/XX/2019 from XXXX XXXX XXXX ( routing # XXXX ), which Ive never heard of, electronically deposited to the fraudulent accounts in the amounts of check # XXXX  {$900.00}, check # XXXX  {$750.00}, and check # XXXX {$800.00}. Three pieces were returned checks dated XX/XX/2019 deposited into the fraudulent checking accounts from The XXXX XXXX XXXX XXXX , XXXX  ( routing # XXXX ), with whom I have an optional disability policy, checks were in the amounts of check # XXXX  {$1800.00}, check # XXXX   {$1900.00}, and check # XXXX  {$1600.00}. Two pieces of mail stated that these Chase bank accounts had been blocked and would soon close. I have no confirmation that these accounts have been closed, and no further information was given to me about the application to open these accounts or any further deposits/withdrawals. I have no claim numbers for these companies because this wasn't authorized by me. I studied my credit report and found unauthorized inquiries recently and fraudulent addresses.
Product: Mortgage

Sometime in XX/XX/XXXX, I was contacted by XXXX XXXX via U.S. mail offering a home refinance using the VA IRRRL program. The final discussion between the two of us was that the refinance will be done thru Mortgage Solutions of Colorado. On XX/XX/XXXX Mortgage Solutions emailed me a Closing Disclosure. I did not agree to the monthly mortgage amount so I called XXXX and told him that I did not like the amount. On XX/XX/XXXX Mortgage Solutions emailed me another Closing Disclosure with a smaller monthly mortgage. My wife and I signed that Closing Disclosure. On XX/XX/XXXX XXXX emailed me a copy of the same Closing Disclosure that my wife and I signed. 

In XX/XX/XXXX, I received a mail from Mortgage Solutions increasing my monthly mortgage plus a shortage amount for the duration of the home loan. 

In XX/XX/XXXX, I found out from XXXX that Mortgage Solutions did not impound my homeowners insurance which led to XXXX cancelling the insurance that I purchased. Because of the lapse in the in the insurance dates, my homeowners insurance went up. 

The reason I refinanced is to have a lower monthly mortgage. My monthly mortgage is much higher now and it went up further because of increase in homeowners insurance. 

I think that Mortgage Solutions played with the numbers in order to gain my business initially. They should also be responsible for the increase in my homeowners insurance. 

I have referred this problem to another government agency. They were not able to help me and referred me to your office. 

Sincerely, XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Mortgage Solutions of Colorado XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Servicer, Freedom Mortgage Corporation, approached Borrower and refinanced FHA loan with intent to entrap Borrower into loan with permanent mortgage insurance premium. Property, at time of refinance in 2016, had a value that would have allowed for conventional refinance without mortgage insurance as result of loan to value ( LTV ) being below the threshold for loans that require mortgage insurance. Freedom Mortgage did not properly perform an appraisal on property during refinance because it was in their interest to lock and maintain loans with mortgage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity was stolen several accounts were opened in my name along with several inquires i have sent in several documents to support this issue with NOHELP with removal of these negatives accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this inaccurate information from my report. first premier XXXX  XXXX cbna XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with Nelnet and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to Nelnet with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. Nelnet has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw hard inquiries on my credit report that need to be removed. 

XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right. Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded. Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late. Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA. I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly. I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing. Thank you for your immediate attention to this urgent matter. Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed a payment to the credit card company, envelope was postmarked XX/XX/XXXX. The payment due date was XX/XX/XXXX. In accordance with the provisions of the Postmark Prompt Payment Act of 1995, the payment should have been consided as ontime. The company ( Comenity Bank-HealthiPlan ) went by receipt date ( XX/XX/XXXX ) and charged a late fee. I called and asked them to remove the late fee but they refused saying it was their policy to go by receipt date
Product: Debt collection

This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of the sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 15 USC ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you removed the below-mentioned information from my Consumer Report ( Account # XXXX ) within 5 business days. If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.