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

I have disputed XXXX XXXX XXXX and they still have not validated the debt with a contract that has my signature stating that I have a contract with their agency. As a third party they are in violation of the Privacy Act of 1974 because I have not given them my social security number for the purposes of a contractual relationship with them or permission to be in possession of my personal identifying information in violation of the FCRA and the FCDPA permissible purposes 15 USC 1681b and validate the debt 15 USC 1692 including providing the master servicing agreement for the debt as well as the items listed in my letter that was sent to XXXX XXXX requesting the debt be validated before reporting to the bureaus within the initial 30 days of receiving their letter and I complied and I received nothing but they posted defaming information to my credit report with through a third party XXXX which is a violation of my rights according to the Privacy Act of 1974 and the Patriot Act under Title 12 for companies who are securitizing my data through the SEC without my permission must have certain identifying documents and I have not provided any of those documents to XXXX XXXX. I am prepared to take legal action against both XXXX and XXXX XXXX for using my bureau reports to post negative and defamatory information to my credit reports without my permission. 

Also the follow addresses do not belong to me and are a violation of identity theft because I never lived there. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above addresses that are fraud and do not belong to me. Please remove these addresses from my credit report. I have a right to a fair and accurate reporting to my credit report in accordance to the laws of the FCRA. I am the person who determines what posts to my report. Not XXXX nor XXXX XXXX and both must conduct themselves in accordance with the laws of the FCRA, FCDPA and the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

Experian you are showing XXXX XXXX XXXX XXXXXXXX deleted the account and XXXX does not show the account under15 USC1681e { b } and 15USC 1681i it is mandated that all three credit reporting agencys have the same information on my report to be! 00 % accurate you are the only one reporting this account and the collection attached to it this is a clear violation of the USC codes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account number : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different? 

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX
Product: Debt collection

I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.
Product: Mortgage

I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$990.00} XXXX Date Opened XX/XX/XXXX Balance {$8000.00} XXXX Date Opened XX/XX/XXXX Balance {$16000.00} XXXX CPS ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX CARS LLC ( Auto ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NETWORK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX account got opened fraudently and affecting me form buying a home by reporting to XXXX, XXXX XXXX XXXX and XXXX 

I called the collection agency and they told me that the address of service is somewhere I've never lived in or had a property at. this is being reported on my credit report : I talked to XXXX from IC SYSTEMS on my credit and gave me all this information of the person that opened up an account fraudently. Also, I've never lived at that address : Acct # of service XXXX Service address XXXX XXXX XXXX XXXX XXXX, TX XXXX Service date XXXX XXXX XXXX  starred closed XX/XX/2022 Service Account Email : XXXX amount reported owed {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX performed a hard pull on my credit on the following dates : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX without my consent.
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. 

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  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: Mortgage

My condo lost XXXX of its value after 2008 and I now owe more than it is worth. 
I was happy to hear about HARP, only to learn that because my mortgage did not involve XXXX or XXXX XXXX I could not qualify. 
Is this right, and is it fair?
Product: Debt collection

I am officially asking for the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim. 

I urge you to quickly rectify this error on my credit report. I confirm that this account is not mine and strongly believe it to be fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

I noticed on my credit report that they reported a half payment as 30days late on my report says I am behind {$13.00} XXXX then reached out and told them I was applying for a mortgage and it they could please remove that and they said no they would not work with me then I told them I am a XXXX XXXX  of the XXXX  and I was protected by the SRCA act and they still refused to work with me so now because of the 30 day late payment and such I can not get approved for a mortgage as I am a service member I am upset they will not work with me and total disregarded the SRCA act
Product: Mortgage

I received notice that my escrow amount will increase the total monthly payment by over 20 % from around {$1300.00}. to over {$1600.00} per month. 

When I contact the company the representative said the increase was due to a short fall for insurance. I advised the representative that there was actually an end of year surplus for the year and why would I need to pay around {$4000.00} more annually for an insurance policy that was changed the previous year. 

The representative hung up. 

XXXX XXXX was the mortgage company, when I previously asked for documentation of a transfer to Carrington mortgage, Carrington mortgage was never able to provide proof.
Product: Credit card or prepaid card

First about a year or two ago my credit card was hacked and over {$3000.00} was spent on XXXX ads in XX/XX/2022 I was notified through a credit alert, which if I had not had the alert, I wouldve not known that my credit card information had been hijacked and I had a complete account takeover with the CommenityXXXX  and Commenity Victoria Secrets card when I called them, they stated that someone called in and had my name date of birth address, social - last four of my social and asked to get an urgent card and to change and that they had just moved so they were allowed to change all of my information and phone number address everything and what received a card without any verification. I filed a report with the FTC we put a security password on all of my accounts with community and I called all of my other credit cards and did the same thing I froze my credit reports. I put fraud alerts on them and then on XX/XX/XXXX. I received another alert from XXXX that my address had been once again changed due to the XXXX Commenity and VS Commenity credit card, I called XXXX Commenity credit card and spoke with the fraud department. They said that someone called in and changed my address and all of my information. I asked for a supervisor because I had a security password on the account. No one should gain access to this account, and upon talking to the supervisor, she admitted that unfortunately the representative failed to ask for the security password and allowed this person to change all of my information, locked me out of my online portal, receive a credit card to their address, which updated my credit file and caused all kinds of problems within my credit bureau files, caused numerous hours of research with more to go and Ive had to redo a identity theft with FTC When I was speaking with a supervisor, I asked her what more can I do? How can I trust that my information is safe they are allowing for me to be harassed hassled, and go through all of this for their failure to provide proper security on my account, and she said that there was nothing absolutely nothing more that they could do. That was the only secure steps that they had, and that she would talk to the person who Allowed the information to be changed. That is not good enough its not acceptable its not appropriate and it violates my privacy. It hurts my credit and it causes all kinds of problems with identity theft. I dont know if this person has all of my information or if this is just a random act. This card has been taken over or hacked at least 3 times now. I want to seek legal action and do whatever possible to protect myself. I cant cancel this card as I owe a balance and I need to research all charges at this point as I am not sure what is what anymore. In the word of identity theft, cyber hacking, etc we should be able to trust our banks to keep of safe - especially if we have extra safety protocols. This is unacceptable and disturbing and has caused me anxiety and stress and missed work. This is negligence and they willfully ignored the law and my rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My husband and I have not been home for quite some time due to the past hurricane activity these past few months, the damage that was incurred to our home, and the fact that I am currently XXXX and giving birth XX/XX/2017. I have not received any notice pertaining to this debt and have not been given an opportunity to rectify it prior to this debt being reported on my credit report. My insurance deductible and copays have been met for my policy, it is impossible for me to owe a balance at this point in time. This collection account needs to be validated and I deserved an opportunity to dispute it before my credit was ruined by these third-party fiscal parasites. I am currently in my last trimester and due to give birth in two days, the stress that is being placed upon me by these devious tactics is undeserved. I promise you that if I experience any complications with my baby due to this anxiety you will most certainly be hearing from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys
Product: Debt collection

Please reference previous CFPB complaint XXXX. 

Previous complaint filed stating company had failed to validate the above mentioned debt. The company responded to initial complaint stating they would validate the debt and provide the requested information. 

As of today, 30 days later the debt is being reported, has not been validated, in violation of the FDCPA.
Product: Debt collection

I live in XXXX, where it is unlawful to garnish wages for credit card debt. A very sneaky debt collector filed an application for wage garnishment which stated I am employed in XXXX. Again, I am employed in XXXX, and only my corporate headquarters is located in XXXX. They think they can skirt the law this way.
Product: Debt collection

I enrolled a debt from XXXX XXXX into a debt consolidation company ( XXXX XXXX XXXX, XXXX ). The debt is almost paid off and my XXXX payment is {$19.00}. I received a call from XXXX XXXX XXXX today, XX/XX/XXXX stating that they reached out to the debtor who was originally XXXX ( previously at XXXX XXXX XXXX ) to get the final payoff amount for my last payment and they were told they do n't have my case anymore and it was sent to XXXX XXXX and that I, the customer had to call as they would not release information to my debt consolidation company. This debt has been getting paid through XXXX XXXX XXXX since XX/XX/XXXX. I called XXXX XXXX XXXX at XXXX XXXX. at XX/XX/XXXX spoke to XXXX. XXXX stated that the account went back to XXXX XXXX on XX/XX/XXXX. I was told to call XXXX XXXX, XXXX ; reference # XXXX When I called XXXX XXXX, the recording says XXXX XXXX ; spoke to XXXX at XXXX XXXX and told me that the account was sold back to RD Fuller RD Fuller XXXX I called RD Fuller and spoke to XXXX at XXXX XXXX. at XX/XX/XXXX I told him what property I lived at and the state as requested for the property I was in debt to. I told him that my account was in debt consolidation and I 'm trying to find out my balance. The first thing XXXX asked me was if I had a problem paying and if I had a job. After I said, " excuse me, '' XXXX then put me on hold. Then I was told that the account is closed due to timing and age of account. I was then instructed to call back in a week if I do not hear anything back from them and to speak to XXXX XXXX. XXXX told me that my account balance was {$1900.00}. I received an email from XXXX XXXX at XXXX corporate office that stated in XX/XX/XXXX that my balance upon move out was {$1500.00}. As of XX/XX/XXXX, my balance owed was {$410.00}. XXXX XXXX sends {$50.00} a month to this debtor after the XXXX of each month. {$50.00} a month through XX/XX/XXXX pays down the balance to {$19.00}. I want my account paid off in full and trying to get my letter of satisfactory so I can rent an apartment elsewhere.