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

Complaint : ( XXXX  ) account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account XXXX XXXXincluding third party debt collection accounts associated with ( XXXX ) account XXXX XXXXXXXXbecause the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Debt collection

I have no outstanding debt in arears and have NEVER defaulted on a debit. I receive multiple calls from MRS associates a day leaving a message to call them about a time sensitive issue. I block the calling number and then receive the same message from a different number, leaving a message in a different voice but exact same script. 

I am not going to return their call because I do not owe any past due bill/debits/loans.. If I truly am the person they want to talk to they can send a letter describing the issue and I'll gladly reply telling them they have the wrong person. 

I assume they are fishing for someone with a similar name or were given my name in error. Either way until they provide context for their call in their message, which they won't because it is an automated dialer/message, I will continue to ignore them and block their number.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts reporting on my credit report have violated my rights .All information reported to each credit Bureaus are different and mismatched. accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Including the following inquires reported ; XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. It also states Consumer reporting agencies can not furnish a account without my written consent and instructions.
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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

Iberia has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 ( b ) section 604 ( A ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on credit card account under a open end consumer credit plan as of late for any reason. I Never give Experian XXXX XXXX permission to Furnish ANYTHING on my consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.
Product: Student loan

I graduated college in XXXX and knew I would be out of the country for the next 7 years. I called my student loan servicer ( Great Lakes ) and asked what my best option for the next 7 years would be seeing as I would have no job and I would be unable to communicate. I was told my best option was forbearance ; that is what I did. During the 7 years they had communicated with my mother ( who I gave power of attorney to ) and my loan has been going to forbearance and out of forbearance and the back to for forbearance ; at which time my interest would capitalize and be added to my principal. Finally, in XXXX I was put on IDR, which is what I should have been on this whole time. Unfortunately, my capitalized interest currently is close to {$11000.00} and my loan which initially was {$31000.00} is {$45000.00}. I understand that I have a huge responsibility to take on this, I was XXXX XXXX XXXX and I just went with what the loan advisor told me was best option instead of what I am doing now, which is research everything and finding out what is actually best ; but there is a level of frustration that comes with knowing that they were easily willing to capitalize my interest without letting me know that it was not my best option. They state that they let my mom know about IDR and I cant say one way or the other about that but I specifically called and asked what is my best option here and to suggest forbearance knowing I would be unemployed for XXXX  years XXXX dont know if I have the right words for that. I know I cant go back and change anything but I honestly dont want this to happen to someone else.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. I am a XXXX XXXX XXXX XXXX  and these inquiries were made without my knowledge or authorization. Below is a list of the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have caused significant harm to my credit profile and personal peace of mind. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting the immediate removal of these unauthorized inquiries from my credit report.

I am exercising my rights under Section 605B of the FCRA. You are legally required to block and remove all inaccurate and unauthorized information stemming from identity theft immediately upon receiving this notice. Failing to act in accordance with federal law could result in legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time reaching out to Equifax. Once again I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Product: Checking or savings account

A scammer pretending to be from Commerce bank fraud department claimed to have found a fraudulent loan opened in my name drained both my checking and savings accounts and transferred the funds to an XXXX XXXX  and Commerce band is refusing to refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX Opinion by facts! No matter how simple you state it or how often these companies can not get correct. Time after time disputes rejected but correction data remains. The CFPB says hey is this the same complaint- DUH tells you how worthless they are. Of course its not correct and n one does anything Opinion a rip off of the American tax payer. " We're sorry. You replied to a confirmation-only address that can't accept incoming e-mail. For more customer service options, please access XXXX '' Incompetence or deliberate you decide.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received the same information frmo Wells Fargo Auto Finance, they are still trying to use the False 'Loan Application ', which is not my signature on this. I don`t have a copy of it either. It took XXXX XXXX XXXX a full month to get the sales paperwork to me. 

Once I looked at it, I filed a lawsuit against them. That didn`t work out as planned, but at this point, with Wells Fargo Auto Finance sending me the same false information over and over, I now have to seek an attorney. I can get one for free as I`m XXXX. Wells Fago Auto Finance has called me numerous times, I refuse to speak to them as they attempt to initiate an argument with me each time I`ve tried to speak to them. 

Wels Fargo Auto Finance needs to call XXXX XXXX XXXX to get the proper information. The Loan Application I saw at the sale had false income information on it, so I refused to sign it. Wells Fargo Auto Finance keeps sending me this ridiculous Loan Application page with a signature that is not mine. 

At this point, I will have to seek an attorney to help remedy this fraudulent loan. Also 3 to 6 months of past bank statement are required in order to issue out a loan of this magnitude. I will be calling attorneys at this point as I`m getting nowhere with Wells Fargo Auto Finance .
Product: Checking or savings account

I have an account with Hsbc and they without notifying me I guess decided to lock me out of my account my wife XXXX  the joint owner has access still to her online portal and she tried to transfer the {$3800.00} in funds that we still have in the account Over to another account that we verified using the Hsbc website with two deposits which they did deposit into the second bank account which would be chime and then they withdrew it. This all happened very quickly. And then we initiated a bank to bank transfer to withdrawal our funds because they told us they were closing our account because I mistakenly deposited an old check and it did not clear I did it completely on accident and this is the first time anything like this is ever happened since opening the account, but they are refusing to give me my money in any way other than a cashiers check and they say that it could take 60 days but XXXX XXXX XXXX XXXX XXXX and at first somebody told me I could go to a branch which is XXXX XXXX XXXX away or I will wait to 60 days in the person. I just got off the phone with now tells me I have to wait to 60 days and theyre not gon na allow me to transfer my phones out and I believe this is unfair practice and I hope that you guys could help me to resolve this issue. All I wan na do is remove my funds. They can close my account, and I will be happy to no longer do business with them ever again I learned my lesson..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX  and Equifax to remove hard inquiries and block accounts from my credit reports that were a result of ID theft. They have yet to do so after 10 years supplying police reports, FTC affidavits and furnishing multiple other documents from my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

On XX/XX/2023, PennyMac erroneously and without merit purchased force placed insurance on my property and drew {$3500.00} from my escrow account. 

I reached out to Penny to ask why they did this and they researched and admitted in writing it was an error. 

It is not XX/XX/XXXX, they have not refunded the money and what's worse, is they re-analyzed my escrow account and due to to the deficit, they have increased my payment by {$370.00} per month. This has caused a tremendous hardship. 

Each time I reach out the response is that they have not been refunded the money from the insurance company. That to me is their problem. Why should it be mine. They need to make my account whole, adjust my payment to where it should be and pursue the company that they work with an where they remitted payment as its not even my insurance company and I don't know who it is. 

Again, this is creating a financial hardship. Despite numerous attempts over several months I can not seem to get anywhere with them and therefore I have no alternative but to escalate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact me.
Product: Student loan

I took out two parent student loans for my son, one in XXXX and XXXX. I was awarded total XXXX in XXXX of XXXX. I was very grateful that I got a letter stating my loans would be forgiven. Ed Financial sent my loans to DEPT OF EDXXXX and they were both closed as of XX/XX/XXXX. XXXX XXXX XXXX continues to show that I still owe the loan from XXXX it was {$19000.00} and it is around {$22000.00}. On my {$10000.00} is not on there. It shows closed from DEPT OF EDXXXX. I have talked to Ed Financial multiple times and they said they dont report, I have Disputed on XXXX multiple times because they had both loans and have token off the {$22000.00} but have put it back on 3 separate times. I have talked to supervisors and all the credit companies and they have said they are reporting it to be accurate but Ed Financial says they say it shows that it is closed and forgiven. Is there anything you can do to help me. I am desperate
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian and the other bureaus to investigate my accounts to see if they where all accurate and their investigation resulted in a deletion of XXXX XXXX! Experian mishandled my credit report and need to be handled with. Today I received a alert that the account was updated and added back with no verification at all. Who did they speak with? Who did the deletion? This is effecting my ability to purchase a home and get funding for my XXXX XXXX to create jobs!!! Experian misleading and Mishandling of my credit report is criminal and illegal!!! I will attach documents to support this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the repeated excuse of Covid-19 Pandemic, I have been battling wrong information on my credit report with all three bureaus since XX/XX/2021. It is now XX/XX/2021. 

I either got no response, or the information remained unchanged, which is hindering me from finding suitable housing to move into, and am in need of permanent housing come XX/XX/2021. I finally decided to move forward with CFPB.
Product: Student loan

i was laid off my job and was diagnosed with XXXX explained that and loan was suppose to be in deferment. Reported late on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The closed dates on this account is inaccurate
Product: Debt collection

I received Declaration from The Moore Law Group in XXXX. If I fail to pay the amount of XXXX will enter the judgement. I don't know what's that mean. First of all my XXXX debt was already removed from my credit report because it's a long time credit starts somewhere 2001. Please advised.
Product: Checking or savings account

Square says they cant provide monthly account statements for my square card and XXXX XXXX says that it is only handled through square even though they are the card issuer.