23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Kindly review the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, yet they are being inaccurately reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX furnished my information to Pro collect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX amount XXXX according to 15 u.s code 1681s-2, your company violated my rights. 
a perso shall not furnish any information relating to consumer to any consumer to any reporting agency if the person knows or has reasonable cause tp believe that the information is inaccurate. 

15 usc 6802 obligations with respect to disclose of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier complaint filed # XXXX I've written to you about the selling of my personal and credit information to XXXX XXXX XXXX  by Experian. 

My complaint was forward to the Office of the Comptroller of the Currency. I have received a respond from XXXX XXXX and the Office of theComptroller of the Currency. 

Although Im happy with the respond, Id like to continue to bring to your attention that as mentioned from XXXX XXXX XXXX ( Letter attached ) Based on limited pre-screened information obtained from the major CONSUMER REPORTING AGENCIES. 

Its evident that my personal and Credit Information was sold / obtained from Experian. 

As mentioned in the letter also ( Letter Attached ) Our Records indicate that as of the date of this letter, we have not received a formal request for credit in your name. 

I never applied for a XXXX XXXX XXXX XXXX, with this institute and never signed consent for EXPERIAN '' TO APPLY for Credit EITHER / or Sell my information / or submit my information As mentioned in earlier complains the Credit reporting agencies Continue to sell and provide my personal information to THIER 3rd parties marketer and profit on my Personal and Financial information that should be private. Or given with my consent and I haven't given any consent. 

I have included ( see Attached ) the Document from the Police Dept. By continuing to  sell my information only enables further Thief on my XXXX. 

Also, any additional information about this thief can be confirmed by XXXX XXXX @ XXXX Reference # XXXX # XXXX # XXXX # XXXX At this time, Since it is EVIDENT that I have been a victim of a Crime and thief on my credit reports Im asking the Fair Credit Reporting Act, to enforce my rights and to assist me in not only applying a 90 day Fraud alert on my credit reports but to apply a EXTENDED ALERT for 7 years on my reports. 

I have included police reports already to all credit agencies and to the Consumer Financial Protection Bureau. And have added the attachments again with this email. 

Id like to have my reports FROZEN, from any inquiries other then the creditors already listed. I have no plans in applying for additional credit, and have lived at my address over 3 years so utilities arent needed. 

Im confident that this matter will soon be resolved. And look forward to your respond. 

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

I disputed the account XXXX XXXX XXXX with Experian on XX/XX/2020. I requested under the Fair Credit Reporting Act that Experian provide information to proof the account accurate. 

On XX/XX/2020 Experian did not provide any information to prove the account as valid, but they allowed the account to remain on my credit report ( this is illegal ). I complained about there being no documentation provided to prove the account as valid on XX/XX/2020. 

It is now XX/XX/2020 and Experian still has provided no documentation to prove the account as valid. They have opened a new dispute on XX/XX/2020 instead of removing the account that was disputed on XX/XX/2020. They are in breach of federal law, and the CFPB is allowing them to break the law. I have disputed this several times this year and still XXXX has not been fined. 

Damages include my credit score being lower than it should be which has caused me to pay higher interest rates over the years. I am also not able to apply for credit cards, homes, or jobs that require good credit because of XXXX XXXX neglegence in investigating this issue. Experian and XXXX should have to pay damages after removing this fraudulent account.
Product: Debt collection

I sent out a certified Dispute letter to the Debt Collecter company FORTIVA that was received XX/XX/2020. In this letter I asked them to validate this debt in question. They gave me no response to my dispute. I sent this letter with a return request receipt so I have clear evidence that the received my correspondence. When I called the company and asked to speak to a supervisor they told me that they did not receive a letter from me regarding a dispute. Under the Pursuant to the Uniform Commercial Code and the Fair Debt Collection Practices Act they are required to respond to me within 30 days by law. The supervisor tells me that they have 90 days to respond during their investigation which is false. And to add insult to injury they told me that they responded to me after I called them a second time to make my complaint. I have all the evidence of my certified letter that I sent along with my return request receipt should you need it for your records.
Product: Checking or savings account

On XX/XX/XXXX I initiated an ACH transfer through my personal XXXX checking account to withdraw {$66000.00} from my Goldman Sachs ( Apple Savings ) saving account. As of XX/XX/XXXX XXXX informed me that the transfer was declined due to insufficient fund. However, my Goldman Sachs account has clearly be debited the amount {$66000.00} on XX/XX/XXXX. The fund {$66000.00} has not be reverted back to any of my accounts as of XX/XX/XXXX. 

I have reached out to Goldman Sachs ( Apple Savings ) customer service line at least 3 times to resolve this issue ( requesting a reversal of the {$66000.00} debit for the declined transfer ). A representative told me the transaction was declined by Goldman Sachs on XX/XX/XXXX, however, I did not receive any notification from Goldman Sachs of this incident until XXXX informed me the transaction was declined on XX/XX/XXXX. The fund was indicated as an " Adjustment '' in my Goldman Sachs account summary. I expected a reversal within 24 hours.
Product: Credit reporting or other personal consumer reports

Cancelled the credit monitoring service from XXXX XXXX  on XX/XX/2021. They continued to charge my credit card for months later. Had to call on multiple occasions to get them to reverse charges. The charges kept coming so I called my credit card company to place a stop payment, which they did and said that it would continue for about 15 months. Timeframe for the stop payment just came to an end and XXXXXXXX XXXX then charges my card over {$200.00} for those 15 months and another {$13.00} for XXXX. I dispute the charges with credit card company and it comes back as a valid charge. I call XXXX XXXX again and the representative says that he sees that I cancelled in XXXX XXXXnd that theres nothing he can do about it. Told me to cancel my card and get a new one.
Product: Vehicle loan or lease

I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. 
I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) Portfolio Recovery Associate XXXX / Formally known as XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized hard inquiry on my credit XXXX credit report. The inquiry was requested on XX/XX/XXXX  from XXXX XXXX XXXX via Advantage Credit Inc. I have been unable to get this inquiry removed.
Product: Credit reporting

On XXXX XXXX, I ordered a XXXX-bureau credit report online for {$1.00} from CreditCheckTotal.com ; as a part of the ordering process I provided my personal information and payment details to process {$1.00}. There was an offer for monthly services which would cost $ XXXX/month, I did not select this serivce. On XXXX XXXX, my account was debited by Experian for {$29.00}. I called to inquire and was directed to Credit Check Total requesting that my account be refunded for the {$29.00} as I did NOT authorize any deductions nor did I agree to any memberships. I spoke with XXXX associates and XXXX supervisors and was told that they would cancel my 'membership ' but they would not be able to refund my money. Even after expressing my frustration and my concern regarding their tactics, which I feel are manipulative and evasive ; no one would honor my request to have my money refunded. I also sent an email to the customer relations departments for both Credit Check Total and Experian. Credit Check Total 's response was that they could not refund the money that was taken but that my account was now closed. 
This company does not care that a consumer feels misled by their advertisment, all they care about is collecting {$29.00} from as many people as they caan. I am very upset over this and from now reading reviews from other victims, it is clear that this company is strong-arming consumers and taking our money. Credit Check Total is a poor representation and their only goal is to profit from comsumers using manipulative tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

30 Day late payment reported to the Experian, XXXX  and XXXX. I have never been 30 days late on a payment to this company The company solicited me for a payment extension through repeated telephone calls between XX/XX/XXXX and XX/XX/XXXX. I am a native Floridian and was affected by the XX/XX/XXXX Hurricane in XXXX Florida. I eventually spoke with a XXXX XXXX XXXX Representative and they place a payment extension on my credit report. I was later reported to the credit bureau. I was told by a representative, it was for a late fee. I have kept a copy of all my credit report back to XX/XX/XXXX and at no time on any car loan have I been reported to the bureau for a late fee. I purchased this car at XXXX XXXX in XX/XX/XXXX. I never received any correspondence from XXXX XXXX XXXX until the latter Part of XX/XX/XXXX despite repeated calls to this as to my due date and actual car loan amount. My payments are due on the XXXX of each month. I have always paid my payments prior to 30 days. The Representative acknowledge this information and told me, they would not report me for payments prior to being 30 days late and the late fee was reported for the 30 days late in XX/XX/XXXX when the extension was applied. I asked, " if its for XX/XX/XXXX, why was I reported for XX/XX/XXXX? '' He stated I would need to write XXXX XXXX XXXX to request the removal. I wrote XXXX XXXX XXXX as well as each credit bureau to no avail. Just before this reporting, I had two car loans from a XX/XX/XXXX Chapter XXXX Bankruptcy and XX/XX/XXXX Chapter XXXX bankruptcy that was removed from my credit report in XX/XX/XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, auto loans that were previously removed that were included in the bankruptcy. I have sent disputes multiple times XXXX, Experian and XXXX, this time around, I received an email their investigation will need more time, I assume because I attached each of the credit reports I've received from them dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I also sent them prove of my XXXX XXXX XXXX Payment History since day one where i've never been thirty days late, ever. They are still investigating the late pay for the fourth time, including the XXXX XXXX car loan that was deleted with my Chapter XXXX Bankruptcy XX/XX/XXXX with XXXX. All the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly remove the following accounts : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed:XXXX XXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting or other personal consumer reports

In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting! 
You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( XXXX ) immediately and permanently : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Verify this account, as it does not belong to me. I do not recognize it and I am concerned about potential fraudulent activity. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX XXXX / Equifax
Product: Mortgage

On XXXX XXXX, XXXX, we incurred a financial obligation when we purchased our home located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$400000.00}. The loan was evidenced by a Security Deed, '' naming Freedom XXXX as the " Lender '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same.Sometime thereafter, a company named XXXX XXXX XXXX XXXX to service our XXXX began to experience financial difficulty and had problems meeting our monthly loan obligation. As a result, on XXXX XXXX, XXXX, entered into a " Forbearance Agreement ' with XXXX XXXX XXXX whereby we agreed to make monthly installments in the amount of {$2500.00} starting XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. We began making the payments as agreed ; however, after making our several payments, we received notice of assignment from XXXX XXXX XXXX advising that XXXX XXXX XXXX XXXX , XXXX would now take over our loan.We contacted XXXX XXXX XXXX XXXX , XXXX in effort to continue our " Forbearance Agreement '' payments but XXXX XXXX XXXX XXXX XXXX XXXX refused to honor the agreement and began to send us letters threatening foreclosure. Thereafter, on XXXX XXXX, XXXX, a subsequent assignment was performed by XXXX transferring the security deed to U. S. Bank XXXX XXXX. Then on XXXX XXXX, XXXX, MERS performed another assignment to XXXX XXXX, XXXX. The assignment to XXXX XXXX, XXXX is the last and final assignment in the record. U.S.Bank National Association XXXX XXXX, XXXX would honor the above mentioned forbearance agreement and have absolutely refused to give us a loan modification. On or about XXXX XXXX, XXXX, we forwarded to U.S. Bank a Qualified Written Requests ( QWRs ) requesting that U.S. Bank provide, us with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. ) We have reason to believe that our loan account had been improperly serviced in that credits for payments made by us had not been applied to our mortgage loan account and that we would not have been in default if we had received all credits for the money we had paid on our mortgage loan account. U. S. Bank National Association did not respond to the QWR, took no responsive action and undertook no investigation into the issue raised by the QWR. Despite all of our efforts to get a loan modification, on XXXX XXXX, XXXX U. S. Bank National Association foreclosed our home.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving XXXX and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. Capital Ones XXXX data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable. 

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of XXXX and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches.

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence.

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence. 

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.