23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had my consumer right violated. I had sent an Affidavit of Truth and cease and desist letter to Recovery Solutions group LLC. I have attached the cease and desist. It's been 30 days and they haven't responded to my affidavit of Truth. They have called after receiving my cease and desist. I also attached the invoice they sent me which violated my federally protected consumer rights. I attached the screen shot that my affidavit of Truth and cease and desist letter was received by them via certified mail and they still insisted on calling me and leaving voicemails. They also contacted my family members. I have attached proof of how they violated my consumer rights.
Product: Credit reporting

On XXXX XXXX, 2016 I began an online dispute with Experian regarding a collection agency by the name of XXXX XXXX. I have no idea who this company is, and I have NEVER done business with this company. I disputed online with Experian, and sent a letter to XXXX XXXX requesting to have the debt validated, and I requested this company cease all acts of collections until the debt was validated. On XXXX XXXX this same company continued to report negative information to Experian. I called Experian about this, and I was told that creditors are allowed to continue to report negative information during a dispute, and that Experian is a 3rd party and only asks for verification of a debt, and they do not perform thorough investigations of a dispute because they are a third party. On XXXX XXXX, 2016, I received the results of my dispute, and Experian stated that this debt " remains '' on my report. 
I am dissatisfied with this result because I have not received validation of debt from this company, and I have no agreements/contracts with this company. I feel that I did not receive a fair or adequate investigation because I was told over the phone by an Experian agent that they do not perform thorough investigations, they simply reach out to the company and verify that I owe the debt. I am not happy that I was told that creditors are allowed to continue to report negative information on my report in the middle of a dispute, which usually requires up to 30 days for a thorough investigation. I will repeat the disputing process in hopes that I find out who this company is and how much they say I owe and what for, but I am disappointed that Experian has not and accordingly can not perform a thorough investigation of the negative information on my report, and would continue to allow XXXX XXXX to report information right in the middle of a dispute, even before the results were found.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports suggest that Experian, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). If true, this would constitute a severe violation of my consumer rights and multiple federal privacy laws, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. 

Details of the Complaint : Unauthorized Access & Data Disclosure : I believe my personal credit and financial data, as managed by Experian, has been accessed or shared without my consent. 
Potential Violations of Federal Laws : If Experian allowed my data to be accessed by unauthorized partiesincluding individuals affiliated with XXXX XXXX and DOGEthis would represent serious breaches of : FCRA, which governs how credit bureaus handle consumer data. 
XXXX, which mandates that financial institutions protect consumer privacy. 
Privacy Act of 1974, if any government-affiliated entities improperly accessed my records. 
Failure to Protect Consumer Information : Experian has a legal obligation to secure consumer data and prevent unauthorized access. This breach undermines public trust and puts my financial security at risk.
Product: Credit reporting

I have requested the credit bureau to remove all derogatory credit reporting in reference to student loans that had been intiated by XXXX online division. I have made this request based on the federal lawsuit that has been filed against XXXX parent company XXXX. The lawsuit accuses the school of fraud. I submitted the court case to the credit bureau and have requested XXXX provide all supporting documents such as promissary notes. XXXX has neglect to do so and all XXXX credit reporting agencies investgated this as identity theft. This os a deliberate misrepresentation of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BALANCE {$12000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
Product: Credit reporting

Equifax refuses to update my credit file. XXXX XXXX forwarded an update on XXXX/XXXX/15 to Equifax but they refuse to update my file. Equifax does not respect the CFPB and each time I complain about Equifax to the CFPB, Equifax responds that they need 30 days to research. I am not sure why you would need 30 days when the creditor provided you with an update. THIS HAS TO STOP EQUIFAX SHOULD NOT BE ALLOWED TO OPERATE IN THIS MANNER. In the last two weeks I have been denied credit for home owners insurance, line of credit and new vehicle.
Product: Credit card

This account is invalid. SYNCB/PPC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/PPC XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX/DOFED XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
ALLY FINANCIAL-XXXX  This company didnt have the authorization to run my credit at all.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THE ACC # XXXX. AND A BALANCE OF XXXX. THIS ACCOUNT IS A PUBLIC RECORD JUDGMENT, THE JUDGE DID NOT GIVE LVNV FUNDING ANY PERMISSIBLE PURPOSE TO REPORT IT ON MY CREDIT BUT THEY VIOLATE MY RIGHTS AND VIOLATE THE JUDGE DECISION AND REPORT THE ACCOUNT TO MY CREDIT WHICH IS CAUSING ME AND MY FAMILY SEVERE DAMAGES TO OUR CREDIBILITY.
Product: Credit card or prepaid card

Recently issued a dispute on XX/XX/2018 about multiple charges stemming from XXXX with my Discover credit card. 

These charges were fraudulent and I did not authorize them or dealt with this company at all. 

The charges totaled more than {$37000.00}. 

I received disputes favoring me in total of {$7000.00} and was on the hook for the rest of the disputes over {$30000.00} even though they told me that after the investigation XXXX failed to communicate with them and provide Discover with any evidence or transactions. 

I received no written communication of the reason why I did not win all the disputes or any written communication with Discover at all through the whole process. 

After receiving multiple emails on XX/XX/2018 about most of my cases being valid ( even though they got no communication with XXXX  ) so they basically decided the charges were valid with no evidence to back this up. 

I then communicated with Discover chat about this issue and they claimed that I had dealt business prior with XXXX XXXX  which is completely false I had no idea what XXXX XXXX even was. 

They just then referred my cases to the actual fraud department instead of billing disputes ( the department I should have been referred to for my issue in the first place ). 

I will post an update after their investigation is complete about how the fraud department chooses to handle my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}
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 : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : 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 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

On XX/XX/year> Towne Mortgage Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold my husband a home. 
I did not know my husband lied about his marital status on the loan application, I also did not know my husband bought the home as a primary residence. My husband does not live in the home, he is renting the house out. He lives with my mother and I. I reported all this when I found out what my husband had done, and why him and I never moved into the home. And why is his baby momma living in the home.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Experian 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, Experian failed to address or correct the inaccuracies in my credit file appropriately. 

XXXX  : Account number : XXXX, This account is inaccurate. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, I was never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX XXXX | XX/XX/year> : Account number : N/A, This is an inquiry reporting in error and should not be present on my credit report. Delete this inquiry immediately. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

batting ID theft for more than 7 years no will give me credit or help filed with ftc, police and cfpb and hippa
Product: Mortgage

Back in XXXX XXXX, I apply for a mortgage with a local Mortgage banker called Academy MORTGAGE BANKER IN XXXX New York. My broker after doing his due diligence and 2-3 weeks of forms, pay stubs,2 years of tax returns and all required documentation for myself, my wife and my son, said that I will get you a mortgage of up to {$300000.00}, so congratulation go ahead and start looking for a house. ( Emailed me a pre-aproval letter ). 

( WE WERE RENTING A HOUSE AT THE TIME THAT WAS GOING TO FORECLOSURE ) and found out that there is an Auction on the house that is going to be on XXXX XXXX in the front of the town hall, so I called the broker and ask him, if we can go to the auction and bid the House, can we get the Fund within a Month if we won? he said absolutely go ahead and bid. so me and my wife went to the Auction and bid against 15 investors and we won the bid at {$170000.00} and Give the Referee 10 percent of the winning bid ( {$17000.00} ) all our saving. Called the Mortgage broker and told him the good news, he said you need a lawyer, I said I did not think we can win the bid and I do n't have a lawyer, he said call this lawyer is good Friend of mine, and said come to my office so we can start the Application since you have the contract, so the next day we went to his office feeling excited and happy that we bought the house that we lived in last 21/2 years and that we do not have to get evicted or move to another house.My wife and, were struggling for the past 23 years together and trying to save for a house and raise XXXX kids in XXXX XXXX New York we have an XXXX years old Daughter and a XXXX  years son and like any parents out there we are struggling along 2 jobs each just to survive. 

The Mortgage broker order an appraisal for the house that they charge me {$470.00}. that came in at {$290000.00} as is Property, and his processor called me and emailed the appraisal and said Congratulation you guys are so lucky.The next day the Lawyer called me and said that he has a bad news for me and said that you will not get approved for a mortgage how about if I can get an Investor to buy the house from you and may be rented to you and than sell it to you for a profit down the line???!!! 

I said that this is not an option, and called the mortgage broker to see if that is true what his referral lawyer just told me, he said that his manager said that its not a problem if he signed at closing.He said do not worry we will protect you.!!!!??? 

HELP ME PLEASE SOMEONE HELP ME THEY ARE TRYING TO STEAL THE HOUSE FROM US. 

So now we are out of luck cause the mortgage broker called me today with another road block and said that we are not able to approve you.so WE LOST {$17000.00} + {$600.00} ( LAWYER RETAINER DEPOSIT ) + {$470.00} Appraisal cost. 



Today is XXXX XXXX we just forfeited our 10 percent deposit.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my report that I didnt authorize on XXXX XXXXXXXX XXXX XXXX  I dont authorize these hard hits when I called the company and asked them why I was told they was looking for where I worked I told them I dont authorize them to do so and they responded by saying they have the right I would like these 3 months of hard hits removed from my report thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove or update the item " DEPT OF VETERANS AFFAI Account Number : XXXX ''. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws. They have sent me a letter stating that the account was paid in full and was not a collection account. If you were doing your proper investigation you have caught this error. This shows that you are lying about your investigation process.
Product: Student loan

Student Account balance and High APR on student loans and student accounts. I would like to enforce my civil rights act as a student and military dependent. I would like to enroll in limited to zero credit and information sharing as well. Thank you. 



XXXX Bless, XXXX XXXX XXXX XX/XX/XXXX Student Accounts in XXXX XXXX University, XXXX XXXX and XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. 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 INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

I bring my all bank statement year XXXX and when I get there a banker said nothing wrong with my bank statement.and my all dispute was not all resolve. My tax return last XXXX was cash to Wells Fargo without my knowledge. Case not resolve.
Product: Credit reporting or other personal consumer reports

I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from Experian saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately
Product: Credit card or prepaid card

I have had this account on auto pay from the first month I had it. They took out a payment of {$61.00} on XX/XX/XXXX as normal. Then there was no payment taken out on XXXX or XXXX that I didn't notice. They called me in XXXX and asked for me to catch up. There is no evidence of them trying to take out the payments from XXXX or XXXX. So there were no bounced payments. I paid {$180.00} on XX/XX/XXXX by phone. They took out {$94.00} automatically again on XX/XX/XXXX. I asked for them to remove the late payments from my credit they said they could not because they were reported accurately. This was an internal error at Discover Card it was not a mistake by my hand. Please help.