23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXXXXXX  I called XXXX to investigate why I have an {$88.00} collection on my credit report. I spoke with an agent by the name of XXXX and he requested the following info to check my " account ''. My name, phone number and email ( in which he proceeds to tell me that email address is not on file. I gave him another email address and he tell me he does not have that email as well ). XXXX states that this account has unauthorized charges and a investigation will be conducted. I asked if I dont have an account how would I know the results or if I call in to check no other rep could help me if the info that I provided is not in the system. I asked for the corporate office & he stated that he does that know the number. I called experian & spoke with XXXX to dispute the charge. Ive been disputing this charge for a while and nothing has been done. My last dispute was XX/XX/XXXXXXXX  and shows it remains unchanged because experian never investigated from the beginning.
Product: Credit reporting or other personal consumer reports

Failure to remove fraud accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is a car loan that was recently paidoff. But I made 2 overpayments of {$2500.00} and {$10000.00} and both are not showing on my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 

XXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} Account name XXXXXXXX XXXX Account number XXXX XX/XX/XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding HireRight Refusing to Remove My Information from Their System Dear Sir/Madam, I am writing to file a formal complaint against HireRight, a consumer reporting agency, which has refused to remove my personal and private information from their system, despite my request to do so. On XX/XX/year>, I submitted a written request to HireRight to remove my information from their system, specifically asking them to cease storing, collecting, and sharing my personal information without my written or verbal consent. 
However, I received a letter from HireRight on XX/XX/year>, stating that they would not comply with my request to remove my personal information from their system. This refusal is in direct violation of my rights as a consumer and disregards my legal right to control my personal data. 
I would like to reference the following laws and regulations that I believe protect my rights in this matter : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Under the FCRA, specifically 1681c, consumer reporting agencies are prohibited from maintaining certain information on a consumer for longer than a specified time and must also ensure that information is accurate and up-to-date. In my case, I have not authorized the collection or sharing of my personal information by HireRight, and they are refusing to remove my data.

2. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 et seq.

The GLBA governs the sharing of nonpublic personal information and requires financial institutions, including consumer reporting agencies, to maintain strict confidentiality and privacy regarding personal data. HireRights actions appear to violate these privacy standards by storing and sharing my information without my explicit consent.

3. Right to Privacy U.S. Constitution and 4th Amendment The right to privacy, although not explicitly outlined in the Constitution, is protected through various legal interpretations, particularly regarding data security and personal information. Companies such as HireRight have an obligation to respect this right and ensure they do not retain or share my private information without consent. 
Despite my written request to remove my personal information, HireRight 's refusal to do so is both troubling and illegal, as it fails to respect my rights under the FCRA and other consumer protection laws. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist me in ensuring that HireRight complies with all applicable laws, including removing my personal information from their system. 
For your reference, I have attached copies of the correspondence exchanged with HireRight, including their letter dated XX/XX/year>, in which they denied my request. 
Thank you for your attention to this urgent matter. I look forward to your assistance in protecting my rights as a consumer. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

This complaint is in response to Wells Fargo response to complaint # XXXX and XXXX signed by XXXX XXXX on XX/XX/2018 I have reviewed all of the documents I received from the dealership. I was never given a copy of my credit application. 

I would like both of you, XXXX XXXX XXXX and Wells Fargo Dealer Services to send me the credit applications you each hold so I might compare them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and 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 say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

I did not consent authorization of this account. Per 15 USC 1681c-2, I would like this account blocked and removed from my consumer report.
Product: Checking or savings account

My XXXX account was compromised on XX/XX/2022 and I attempted to stop an unauthorized login from an unknown device using 2-step verification, but I was bypassed. I immediately logged out all devices and changed all of my passwords associated with the account, but unbeknownst to me my XXXX XXXX account had already been subscribed to an application that is very clearly a scam. I wasn't notified or asked to verify the transaction and only noticed when I checked my account balances online. This was on XX/XX/2022 for the amount of {$58.00}. I froze my cards and reached out to both of my banks immediately, and once the transactions were complete, XXXX XXXX came to the conclusion that the transactions were unauthorized and credited the funds back to my account. They also issued me a new card. Chime on the other hand has told me that they believe the transaction to be valid despite me reporting that I don't recognize the transaction. I have submitted multiple rebuttals with evidence supporting the fact that the transaction is obviously very suspicious and I included screen shots of emails confirming the unauthorized logins, the changing of my passwords, and the company that my cards were charged to that was very clearly a scam. It was listed on an XXXX website for XXXX XXXX as an XXXX XXXX I have tried resolving this with them several times, and am likely going to be discontinuing business with them, but I would very much like to get my money back and am frustrated with how difficult it has become. I even forwarded XXXX XXXXXXXX XXXX decision to Chime to see if that would convince them, but they say that because my physical card was in my possession and because I shop online and my pin was not compromised, that they believe the transaction is valid despite the evidence that says otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a debt management plan through XXXX. I signed up with this program early XXXX and proposals were sent to each creditor. Each creditor accepted the proposal and agreed to accept payments through XXXX. Nordstrom marked my payments as being late after agreeing to the proposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of XX/XX/2019. I would not need to get cable plus I live at XXXX-XXXX-XXXX-XXXX-ga-XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, XXXX XXXX XXXX and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.
Product: Debt collection

I received a collection letter today, XXXX XXXXXX/XX/XXXX regarding a debt owed to XXXX in the amount of {$1600.00}. Services owed as of XX/XX/XXXX. The following details were given to me by the debt collection agency : Service address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Associated phone number : XXXX XXXX XXXX XXXX Associated email : XXXX XXXX start date : XX/XX/XXXX Service end date : XX/XX/XXXX These are unrecognized telecom services. The collection agency contacted me about services I never heard about or registered for. 

Collection Agency : Radius Global Solution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Student loan

One payment was declined from the bank and Navient will not accept payment from that bank anymore. They also wo n't accept payment from an account without my name on it.
Product: Mortgage

I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. 

The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 

2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 

3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 

4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. 

These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. 

The bank is Everbank. 


XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and this is about addressing the inaccuracies on my Credit Reports. I have a loan with XXXX XXXX XXXX with account number XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and the information provided by this reporting is inaccurate. I am currently struggling because of the situation. As you can see, I have always had a terrific payment record with this company. I tried contacting XXXX, XXXX, and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : *XX/XX/XXXX XXXX Number : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute for items on my credit report. Letter was sent XX/XX/2020. Tracking number XXXX certified mail receipt showed that they received the dispute XX/XX/2020 at XXXX XXXX, XXXX, TX. They sent back Report # XXXX for XX/XX/2020 showing addresses and names that are not me. This report appears to be a stalling tactic to avoid correcting my file. I have provided them with my TDL, evidence of my address, name and birthdate. All the other information that was sent has nothing to do with me and proves to be confusing and serves no purpose in getting my account cleared up. 

I want my credit file to be cleaned of all information that has nothing to do with my information.
Product: Debt collection

IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.
Product: Debt collection

XXXX XXXX XXXX XXXX reported the amount and then PROFESSIONAL DBT reported it AGAIN! I asked why when this has already been reported and they couldnt give me an answer. I said it was unfair that I was being charged twice if this really were me bill and that this bill belonged to XXXX XXXX and PROFESSIONAL DBT did nothing.
Product: Mortgage

XX/XX/2023 Federal Consumer Financial Protection Bureau Ref. Report illegal activity by XXXX XXXX Ref # XXXX feedback Dear CFPB This is the feedback to the answer of the Specialized Loan Servicing LLC . Company as discretionary, advised.

First, we would like to thank the Department for their such a prompt response. 
Quick review Following our inquiry ( No. XXXX ), dated XX/XX/2023, regarding Illegal activity by XXXX XXXX , we would like to reply to the SLS Companys responses. 
The status of our dispute with SLS XXXX as follows The SLS XXXX filed Foreclosure in court. 
Location : The Circuit Court of XXXX XXXX. 
XXXX XXXX. XXXX XXXX  XXXX The SLS XXXX forcing us to pay them the cost of their illegal purchases. 
The SLS XXXX took us to the Court of Law and asking Foreclosure on our house based on Default on our Mortgage Deed of Trust. 
This is the Plaintiffs ( the Specialized Loan Servicing LLC. Companys lawyers ) arguing, responding to the question Did you bought Insurance Premium for the Borrower and add the cost to his account?. 
Quote, Specifically, with regard to the Defendants claim as follows : The core of the dispute is the SLS buys home insurance policy, which we did not ask for it, We did not need it, and certainly, we did not want it ( see Defendants pending Motion XXXX ). and this is their response, 8. Although there are far more detailed reasons for denying the pending motion, ... ... ... .....

The pending Motion reflects a fundamental misunderstanding and misrepresentation of the underlying loan documents. Succinctly put, the Deed of Trust specifically addresses in Item 5 the various requirements for the borrowers to obtain and pay for property insurance ( See Exhibit C appended hereto and made a part hereof ). Specifically, with regard to the Defendants ' claim as follows. 
The core of the dispute is the SLS buys home insurance policy, which we did not ask for it, we did not need it, and certainly, we did not want it. ( see Defendants ' pending Motion XXXX ) What the defendants are completly not considering is that paragraph 2 under Item 5 of Deed of trust, states as follows : If Borrower fails to maintain any of the coverage described above, Lender may obtain insurance coverage, at Lender option and Borrower 's expense. 

In short, even if the pending Motion could be considered by the Court, the substance of same is clearly without merit.

End of the Quote.

Apparently, the Specialized Loan Servicing LLC. Company has a quite different responses in the court.

This is the response of the SLS XXXX under oath and in front of the Circuit Court of XXXX XXXX. 

Our Motion to Stay have been denied by the Court based on not having enough facts and evidence. 
We currently requested for reconsideration of the Court judgment to revise and Grant us the Motion to Stay and Dismiss the Case.

Looking to hear from the Department in near future. 

Thank you. 
With regard
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXX You are direct violation of the fair credit reporting act ( loancare XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 clearly states that I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these/all late payments and update these accounts immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting complaint XXXX results arrived magically. The investigation stated it was completed on XX/XX/XXXX yet did not receive results until the XXXX XXXX XXXX XXXXXXXX. This again violates the rules of Credit act that must report results within XXXX  days. Please investigate and enforce law
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and now my personal information has been exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXXXXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I am seeking correspondence to formally request the removal of a charge-off listed on my credit report associated with account number I understand that this account was charged off due to non-payment ; however, I would like to discuss options for resolving this matter.1681 ( e ) ( b ) if they already written on they taxs it off why is it still there want it be inaccurate and technically want it be charged off XXXX time also can a XXXX be in place and a write to delete off my credit report permanently never got XXXX.