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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCT XXXX  XXXX, XXXX XXXX  XXXX  ACCT XXXX  XXXX, XXXX XXXX  XXXX ACCT XXXX  XXXX, XXXX  XXXX ACCT XXXX  XXXX, XXXX ACCT XXXX  XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX AACT XXXX XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX AACT XXXX XXXX, XXXX  XXXX XXXX ACCT XXXX XXXX, XXXX  XXXX XXXX. ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT XXXX  XXXX, XXXX XXXX XXXX ACCT XXXX  XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX  XXXX , XXXX XXXX XXXX  XXXX ACCT XXXX  XXXX, XXXX XXXX  XXXX XXXX ACCT XXXX  XXXX, XXXX  XXXX  ACCT XXXX  XXXX, XXXX  XXXX  ACCT XXXX  XXXX, XXXX XXXX ACCT XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ACCT XXXX  XXXX, XXXX ACCT XXXX  XXXX, XXXX ACCT XXXX  XXXX, XXXX XXXX ACCT 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 an 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 b
elieve that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
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. 

Account name : XXXX Account number:XXXX Account name XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or 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: Mortgage

Everything in this complaint is well documented with letters, notes, and emails, however its the 80+ hours of phone calls with Ocwens Office of the Consumer Ombudsman and PHHs Retention, Resolution, and Escalation Departments that have been most helpful in accurately piecing together all that has occurred. Its been my experience when dealing with Ocwen, and now PHH, that a majority of my concerns will not be properly investigated, if at all, will not be accurately noted to the file, if at all, and the resolution letter is so watered-down that it rarely describes what truly transpired. The help desk said I cant upload audio files but if you thought it would be helpful I could copy all call to a USB drive and overnight it. COMPLAINT : In late XXXX of this year Ocwens Office of the Consumer Ombudsman, and then PHH, agreed to suppress my credit history with all 4 CRAs from my XX/XX/XXXX payment through XX/XX/XXXX. Although neither Ocwen or PHH dispute the agreement to suppress my credit, both continue to knowingly furnish erroneous information to each of the 4 CRAs.. In XXXX I disputed Ocwens erroneous reporting with the CRAs, Ocwens responded by continuing to report the erroneous information and falsely verifying it as accurate. Over the past 9 months Ive provided over a dozen excerpts from my credit report showing the erroneous reporting, however, I cant find a single time theyve even acknowledge them. Ironically, one of the reasons for granting the credit suppression in XXXX was Ocwens erroneous reporting of my credit back in XX/XX/XXXX. The only bright spot in this entire mess was working with XXXX XXXX in the resolution department. She understood my issues, was accessible and responsive, but most importantly she got answers. She actually fixed the reporting issue in late XXXX it was short-lived lasted until XX/XX/XXXX. Im attaching the following. PHH latest erroneous credit reporting response dated XXXX, various credit excerpts highlighting the erroneous reporting, Ocwens dispute response to XXXX, Excerpts showing Ocwen and PHH reporting correctly XXXX XX/XX/XXXX. Again, I would encourage you to listen to the calls to fully understand what borrowers have to deal with. In the next week or so I will be filing separate complaints against both Ocwen and PHH for their continued violation of our Federal consumer financial laws, Ocwen for its actions leading up to the XXXX suppression agreement and PHH violation regarding the transfer and modification agreement.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named Hunter Warfield had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from XXXX, XXXX, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, Metro 2 compliance ( 17a )
Product: Prepaid card

I got the gift card and tried using it at different merchants in store and online. It is a {$50.00} Amex gift card. I tried using it on XXXX a few times but it didn't work. The totals of what I wanted ranged between {$43.00} and {$49.00} every time I tried. I then went to amex customer service and they said they I should trying inputing it as a credit card but that did work. I tried it in store with apple and the physical card and it didn't work. I tried it on other apps to see if I can get the money that way and it didn't work. When I went to check the balance of the card it still has {$50.00} on it. When I look at the transactions it just shows failed attempts with {$.00} being deduct but refunded after each transaction. Then the charges would eventually go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I paid off with my credit card bill, but there is a bad score for late paid. 
Is there any way can help me take off the bad score from my credit report?
Product: Credit reporting or other personal consumer reports

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : FHA Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws regarding the accuracy and handling of my credit information. These violations have caused me significant distress and inconvenience, and I am taking steps to ensure they are corrected. 

Willful Noncompliance ( FCRA Section 616 ) : My credit information was accepted and reported without proper verification of its accuracy, which is a clear violation of the law.

Failure to Disclose Consumer Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of sharing my personal information, a deceptive omission that infringes on my consumer protections.

Deceptive Reporting ( FCRA Section 623 ( a ) ( 3 ) ) : There were inaccurate inquiries and accounts added to my report without proper validation or adherence to standards.

Unfair Debt Collection Practices ( FDCPA Violations ) : Debt collectors engaged in harassment by reporting debts without my consent and failing to validate them.

Unauthorized Sharing of Debt Information : My personal information was inappropriately shared with third parties, violating regulations that protect my privacy.

Inaccurate Reporting of Late Payments : My credit report included false claims of late payments without any clear definition or justification.

Permissible Purpose Violations ( FCRA Section 1681b ( a ) ( 2 ) ) : Hard inquiries were made on my credit report without my written consent, which is against the law.

In response, I took action by demanding : Immediate correction of inaccuracies, including deleting incorrect addresses and updating several late payment records as paid as agreed.

Validation or removal of alleged debts under 15 U.S. Code 1692g, requiring collectors to provide proof or delete unverifiable items.

Removal of unauthorized hard inquiries, as they lacked my explicit consent.

This is about protecting my rights and holding those accountable who have mishandled my credit information. I have made my expectations clear : I want these issues resolved promptly and accurately. If they are not, I will have no choice but to pursue legal remedies under the FCRA and FDCPA to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

According to the Privacy Act of 1974 and Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am the Consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' Early Warning Services by definition under this title is a third party company which disclosed transactions history which is very much illegal ( 15 USC 1681 exclusions ) to financial institutions.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave written, verbal or electronic consent for any transaction history to be disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX XXXX. There is only one source of information which is the original creditor of this alleged account. How can the date of activity be different for every bureau if all of you should be verifying your information from the same source? Immediately Update this account. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Debt collection

RECEIVED A NOTICE FROM WA COLLECTORS VIA MAIL XXXX, STATING I OWE XXXX PER OVERDUE BILL CITY OF XXXX. I tried to call WA COLLECTORS but they would not give me any information unless I gave them my date of birth. I would not do so. I offered to give the the code number from the top of the letter I received but they demanded my DOB and would not respond further without this. I called next to the CITY OF XXXX. They told me that several bills had been sent in the name of XXXX XXXX to an address listed as XXXX XXXX, XXXX WA. I explained I was not XXXX XXXX and that I could not have received the notice that was sent to a place that I do not live at and have never lived at. Also, why are they sending me to a collection business when my name is not even on the bill. They would not respond to my questions and abruptly stated that " this was out of their hands now that it had been sent to collections and I would need to talk to the Collection agency. 

This is the 2nd time I have encountered a collection notice from this agency that is incorrect and due to this agency not correctly verifying information on the debt before sending me a notice that I owed money. The first time they did so the AG office in WA state contacted them and investigated, resulting in this agency responding that it was in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX I am a fraud victim and I asked that information be removed to reflect my current name and address. I also asked that they removed the XXXX XXXX XXXX XXXX due to it is incorrect since XX/XX/XXXX due to I relinquish the timeshare property and the address was incorrect and not mines. They returned and said it is accurate. I looked again, and it is still not correct or accurate. I am requesting full deletion. 


In accordance with the Fair Credit Reporting Act, the following 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 an account without my written instructions. 

1. Personal information, names, addresses and accounts 2. XXXX XXXX XXXX XXXX Account Number : XXXX. 
3. XXXX XXXX XXXX XXXX Account Number : XXXX. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX The following I paid off and told the XXXX XXXX : XXXX. XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$2400.00} written off. 

6. XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$640.00} written off. 

7. Account name XXXX XXXX XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$600.00} written off. 


8. Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. 



9. Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$660.00} past due as of XX/XX/XXXX. 

10. Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$1100.00} written off. 

11. Account name XXXX  XXXX XXXX. 
Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$12000.00} written off.
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX XXXX that I have a new collection. XX/XX/XXXX, I contacted XXXX XXXX, XXXX, and XXXX to file a dispute about hat collection. 

On XX/XX/XXXX, I filed a report at the precinct near my house. The police did not want to take a report despite my showing a screenshot of the event. The police suggested contacting the XXXX  ( it is a website ) to solve the problem. I never use a third-party company to apply for an apartment. 

A month later, I received a notification from XXXX and XXXX. The report is about my life ( my student loans, my credit history, whether I paid on time, etc. ). XXXX and XXXX sent the same type of report. Therefore, The police could not file a police report, so it could not be attached to the case. 

On XX/XX/XXXX, I called XXXX to determine whether my dispute was approved or denied. XXXX reported that it rejected my dispute. I asked the XXXX representative to create a fraud alert. The union representative suggested I contact you to file another report.
Product: Debt collection

I sent letters to the Experian, XXXX  and XXXX 
I asked them to help me investigate inaccurate information the i saw on my credit report. I have not heard from them. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ga XXXX account number XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a PDF file Addressing my issue please Read it carefully the permissible purpose has not been provided to the consumer This is unlawful the consumer has addressed the issue Directly by phone With the Credit Agencies. Credit agency mentioned to the consumer. That they are allowed to pull information without my consent. or my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 my bank account was charged XXXX by Transunion, for subscription I never signed up for. I canceled it immediately after reading g that they keep doing it and that they will not refund me for the subscription. I am also contacting my bank
Product: Student loan

I called multiple times in XXXX of XXXX and XXXX of XXXX to request student loan payment refund for payments made during the XXXX pandemic. They did not submit the request to the treasury department until the 3rd time I called during this time period and they did not submit the request for payments made from my previous servicer until XXXX of XXXX. I had not submitted any student loan payments to Mohela and it is now XXXX of XXXX and I still have not received any refunds for the payments I made during the XXXX  pandemic and Mohela has consistently given incorrect timelines for when I was to receive payments and lied multiple times about when they had submitted the request to the federal government. This had resulted in loss of income that I could have potentially made on the refund payments while the payment pause is in effect.
Product: Debt collection

accordance with the Fair Credit Reporting act 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.
Product: Credit card or prepaid card

Charge of {$640.00} for deposit to moving company. Services not completed. Tried contacting day of and days before scheduled move. Left messages, emails and finally had to rent my own truck to move my things 1400 miles away. They were supposed to enter office at XXXX XXXX to gain access to locked gate. Documents sent by storage facility on my behalf to state movers never came or made known they were there. Storage facility has surveillance showing property and inside office. Bank never asked to see this to help my case. Moving company sent photo of mailbox at entrance of driveway. I enclosed my photos to show distance to main gate and office.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX alerted me of a hard inquire, as of XXXX have not applied for anything. I called XXXX XXXX, XXXX, and did not feel comfortable giving out any personal information. So much scamming going on. Then I contacted TransUnion, XXXX and XXXX, to freeze my reports. This is so not what I wanted to be doing today!! This hard inquiry took my points down XXXX points!!!!