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

I am submitting a formal complaint regarding unauthorized and disputed credit inquiries on my XXXX credit report that have not been removed despite multiple disputes. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., grants consumers the right to dispute inaccurate information and mandates that credit reporting agencies conduct a reasonable investigation. XXXX has failed to fulfill this obligation by refusing to remove inquiries that have been verified by the companies as non-reporting. 

Disputed Credit Inquiries : The following inquiries remain on my report despite multiple dispute attempts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I have contacted these companies directly, and they have confirmed that no accounts exist, and they are not reporting to third parties. However, XXXX continues to report these inquiries, violating my consumer rights under federal law. 

Regulatory Violations : Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) Under FCRA 611, when a consumer disputes an item, credit reporting agencies ( CRAs ) must conduct a reasonable investigation and delete inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX has failed to conduct a reasonable investigation, as the reporting companies have confirmed they are not responsible for these inquiries. 

XXXXeporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) This section prohibits the reporting of inaccurate or unverifiable information by furnishers and mandates correction upon dispute.

The companies listed above have confirmed that they did not authorize or report these inquiries, yet XXXX continues to publish false information. 

Unfair and Deceptive Practices ( Consumer Financial Protection Act, 12 U.S.C. 5531 & 5536 ) XXXX refusal to remove disputed inquiries constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( CFPA ).
Product: Debt collection

The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX as a result of an Satellite dish that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX on XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by Convergent Outsourcing ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the Office of Personnel Management, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by Convergent Outsourcing. 
Later on XX/XX/XXXX, I received a separate notice from XXXX requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.
Product: Mortgage

I lost my job that I had for XXXX  years in during XXXX. Select Portfolio Servicing solicited me by phone offering a mortgage assistance program due to XXXX. I told them I had lost my job but I had XXXX questions : would this cause me to lose my home or cause foreclosure? No ma'am. Then I asked if my mortgage payment would go up? No ma'am, you will either get a loan modification or the past due payments will be put on the backend of the mortgage. I said putting it on the backend of the mortgage is fine with me. 
I did not receive either, I started making payments XXXX XXXX and I have made payments every month since that date. In XXXX they sent back a copy of my money order telling me that it had been shredded and the payment was not accepted. Then I started sending my personal checks and all of them have been shredded, XXXX, XXXX, XXXX. I just mailed my XXXX payment and I would expect it will be shredded as well. 
I do not have the money for an attorney. I am XXXX XXXX XXXX, I have not family, no children and no place to go if they take my home. They have lied to me and misrepresented whatever program they offered. I have requested a document showing my signature of acceptance for their fraudulent program. XXXX XXXX XXXX XXXX owns the mortgage I have sent them a letter as well. They do not respond. I am asking for help asap, I do not know what more I can do. I can not afford an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX XXXXXXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX Ally Bank XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
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, Account NumberXXXX Account name : XXXX XXXX  Account Number:XXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # 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 without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the 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

I already filed a complaint and feedback. I am not satisfied with the Servicer 's response and I want a re-file and continuation of the complaint as they have not addressed the root of the issue! Please see my feedback in your system and open a continuance of my initial complaint. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}
Product: Debt collection

Modified excerpt of that sent to additional parties XXXX XXXX : Received a letter : Listed numbers : XXXX, XXXX, Fax : XXXX Described an invalid charge for XXXX Internal account number that company assigned as XXXX Representatives of that as company identified that company as : National Medical Administrators I did not make commitment for any additional purchase Someone fraudulently stated that I did not cancel some recurrence of charge for products not received and that company intends to attempt collections : for products not received nor necessarily purposeful Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt The letter requests contact within 30 days of XXXX XXXX. 

Where here XXXX  website format was not effective and link referral resulted ; Original statement : Hello, I received a letter from something called " National Medical Administrators , Inc '' ; Listed number XXXX, XXXX ; Fax XXXX, describing an invalid charge for XXXX and the internal account number that company has assigned as # XXXX. It is likely that company purchased my contact information from a source I did not consent to the sale of to, nor transfer of that information to, nor did I make commitment for any additional purchase beyond a single order ; ( That purchase was atypical because it was some commercial XXXX XXXX  and XXXX  with no effect I did not much use and am not required to return to that company, as payment for that single order was made. ) I did not immediately purchase the item ( s ) after seeing the questionable product and marketing scheme/method/ presentation ; No charge has been made to my card. Either way, when someone called, that person fraudulently stated that I did not cancel some recurrence of charge ( for products not received ) and that company intends to attempt collections. Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt ; The letter requests contact within 30 days of XXXX XXXX. I may send that company this except and am certainly notifying other parties ... '' In regard to below described CFPB publication consent : Upon submission, consent is granted for the intended published use by the CFPB, only as containing content necessary for the average consumer to make a prudent decision ; And that excerpted content only be made available for public view with removal of all what may be described as personally identifiable information.
Product: Debt collection

Re : Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX Hello, Regarding the case above. The court filed a judgment against me even though I sent proof that XXXX XXXX XXXX and couldn't attend. Then after my phone call to the court to ask why I had a judgement ; they gave me a XXXX deadline to file an appeal for over {$4000.00} when the debt is {$2000.00}. 
XXXX XXXX XXXX XXXX has put a XXXX XXXX XXXX XXXX XXXX  without sending me any court documents. 
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( my daughter ). I have only {$280.00} in my account but they garnished my account for {$3000.00} leaving me no access to funds to feed my family or even buy gas to look for work. 
I am now {$2800.00} in debt with the bank and my pre-arranged direct debit transactions are going to be rejected leaving me with multiple {$40.00} insufficient funds charges. 
My current situation can be directly attributed to not being giving a continuation due to health reasons. 
I will appreciate if you can intervene and have XXXX follow the law and release this illegal garnishment. 

Sincerely XXXX XXXX XXXX ( Phone will be disconnected soon for lack of payment since I have no money in my account to pay )
Product: Debt collection

This company I.Q. Data International has called my phone everyday for the past year about five times a day or more. Sometimes calls come from local numbers and from XXXX numbers. They have not identified themselves when calling or leaving message. This is personal harassment by this company with calls sometimes coming back to back from multiple numbers throughout the day. I have complained about this company before and nothing has changed.
Product: Credit reporting

I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by The XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report.
Product: Credit reporting

My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.
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 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 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 XXXXXX/XX/year> 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: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX in XXXX of XXXX. I have been paying {$580.00} per month for 25 months on time with the exception of one late payment. I have tried many avenues to get from under the bad loan but all say I am too upside down int he vehicle and will have to pay between $ 5-10K to trade it in. I feel like the company Automobile Acceptance has participated in predatory lending. As of XX/XX/XXXX, to pay the car off is {$20000.00}. I have paid a total of about {$14000.00} into this car. The company has refused many times to refinance. As I mentioned earlier- it proved impossible to get from under this loan. I would like to know how I can file a predatory lending complaint against this company. Keep in mind my car is only work less than $ 10K. As i look at my statement ( attached ), I am paying {$430.00} in interest. At this rate it would take me forever to pay off a okay with little value.
Product: Mortgage

I am currently behind in my mortgage and I am trying to sell the home. But it is liens on the home. The house was in foreclosure so to stop the foreclosure I had to sign some papers that added XXXX more to my mortgage. I had no choice. Now I have a offer but the offer does not cover the new amount and the liens. I have asked for a short sale once before and the liens would not accept less. Here we are in the same position. I feel the mortgage company is trying to make this house go into foreclosure again so they can take the house. I have tried everything I can to sell this house. But they refuse to go down on the price of the house. Or at least honor the original price so the house can be sold. I will not get a dime out of this house. And I am okay with this. I just want the house sold. But no one wants to work with me. This house has ruined my credit since covid. It's almost year later and I can not get any assistance with selling this home
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- -XXXX XXXX account # XXXX -- XXXX XXXX account # XXXX -- XXXX XXXX XXXX account # XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING XXXXXXXX XXXX ACCOUNT ENING XXXX ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED FROM XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XX/XX/XXXXTo whom this may concern, I need clarification as to why you are reporting certain information on my credit report. Please review the following.

According

15 US Code 1692g 1 ) I need you to send me a full detailed list of the payment history on this account. 2 ) I want to see the original signature that I agreed to the contact for this creditor. 3 ) Has there been any insurance claim found on the DEBT.

4 ) Lastly, I want to see the chain of titles that you have to collect on this DEBT. 



Thank You,
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 XXXX XXXX XXXX  Account name : XXXX XXXXXXXX # XXXX, Account name : 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 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

In XXXX of 2012 We had some financial issues and had to file for chapter XXXX bankruptcy. Immediately following our filing date, Ocwen did an escrow adjustment raising the amount of our monthly payment from {$480.00} to {$660.00}. They also at this time stopped sending us a monthly statement. When I talked to a representative they told me their system was down and were unable to send a statement at that time nor did they tell me of the rate increase. Being that we had just gotten all the necessary paperwork completed for the bankruptcy, we were under the assumption that all delinquent amounts were accounted for and set up in the payment plan to our trustee. After several months the bankruptcy attorney had informed me that Ocwen had still not responded to the claim from the trustees office and asked if I would contact them to see what was the matter. I contacted Ocwen a second time and was told they had not received a claim. I again asked about a monthly statement and was told again that their system was down and no one was getting a monthly statement. Soon after, the bankruptcy attorney contacted me again stating that Ocwen had filed the claim, however it was past the deadline and rejected by the trustee. I contacted Ocwen a third time and was told we needed to file for a modification and that the claim amount they filed was incorrect. They also informed me that we were now further behind in our payments. I told them we had been making our payments every month and they said they were not accepting the payments because they were only partial payments. This is when I became aware of the additional amount for escrow. I told them I was unaware of any increase because they had not been sending us a monthly statement. I inquired about the statements again and got the same response as the previous XXXX times. Time has gone by and we still have no resolve in the issue. The trustee has not made any payments to Ocwen, because they have no claim on file. Ocwen also failed to notify the trustee of my monthly payment increase. I have contacted Ocwen again and reapplied for a modification but was denied. I asked about monthly statements again and was told this time I needed to request them. So, because of Ocwen not following through the way they should have, and because of not getting any statements showing what was due, they are now showing us to be more than {$12000.00} behind our original amount past due which at time of filing was just over {$3800.00}. This has now placed approximately {$400.00} a month more towards our monthly expenses. {$170.00} towards our mortgage and an additional {$200.00} towards our trustee payment. We are trying very hard to make this right and to keep our home. However, we feel that Ocwen is doing everything they can to make this impossible.
Product: Credit reporting or other personal consumer reports

I was completely thrown off when I saw inaccurate accounts on my credit report today, and I have no clue why they're there. I do this check routinely, but this time, everything was wrong, and I wasnt expecting it at all. I refreshed my browser, thinking maybe it was just an error, but the false accounts stayed right where they were. The refresh didnt help at all, and now I need the documents Ive sent to be carefully examined so this never happens again.