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

To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error. 
In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Product: Mortgage

We were in the process of modifying our home loan when XXXX XXXX closed the account. All docs were submitted to her. 
We dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX prior to the foreclosure begging for a postponement. 
These are all employees of Chase out of XXXX XXXX 's office No assistance at all ; Chase foreclosed anyway.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 you all said that information has been deemed accurate and verified by the creditor XXXX XXXX and documentation has been sent to me to review which it has not. Also you mentioned of an assumption that i am using a credit repair company when I am not and I am in fact utilizing my Rights under the FCRA and disputing this creditor. However you as the furnisher are violating my rights and not providing information from the creditor that you are required to get from them and to provide to me. Once again if the information that was not requested in my previous CFPB complaint XXXX or dispute is not honored i will be forced to take legal action against TRANSUNION as a consumer i can sue for {$100.00} {$1000.00} for each violation of the FCRA. I am demanding at this point if the information previously requested is not provided within 15 days i will take legal action against XXXX.
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from cXXXX XXXX XXXX XXXX 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!
Product: Debt collection

Contact this company they will not give me any information on this collection let them know I was fraud wand they keep putting on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit accounts were acquired by XXXX XXXX  approx 2 yrs ago. XXXX raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. 
XXXX 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. 
One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call XXXX. 
I called XXXX and told them that the larger one for XXXX was correct. But the {$1.00} for a XXXX  was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. 
On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. 
XXXX 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that XXXX 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called XXXX and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to XXXX 's action Kindly confirm your receipt of this note and request Thank you
Product: Credit reporting or other personal consumer reports

I pulled my consumer reports around XXXX of 2023 and I notice it was errors on my XXXX reports. I sent a dispute to the creditor SAIL XXXX XXXXXXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to SAIL XXXX. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing SAIL XXXX  that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for SAIL XXXX to delete this inaccurate information off my consumer report immediately. SAIL XXXX  you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries from: 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  account XXXX name : XXXX XXXX XXXX XXXX account XXXX, name : XXXX account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren & # 39 ; t reporting correctly. 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: Credit reporting, credit repair services, or other personal consumer reports

Dispute of XXXXcorrect Credit Reporting for Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute the inaccurate credit reporting related to my mortgage loan with Shellpoint Mortgage , assigned the loan number XXXX have recently discovered that Shellpoint Mortgage has reported my account as being 90 days late on my credit report, despite the fact that I was under an approved forbearance plan during that period. This act of inaccurate credit reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit history and financial well-being. 

As you may be aware, forbearance is a formal agreement between a borrower and a lender that temporarily suspends or reduces monthly mortgage payments due to financial hardship. It is explicitly stated in the terms of my forbearance agreement with Shellpoint Mortgage that the company will not report any negative credit information to the credit bureaus during the forbearance period. Therefore, the reporting of my account as 90 days late is not only erroneous but also a violation of the agreement. 

I kindly request that you conduct a thorough investigation into this matter and rectify the inaccurate credit reporting associated with my loan immediately. The erroneous reporting has had severe implications on my credit score, making it difficult for me to secure favorable terms on future credit applications. Furthermore, I hold a security clearance for my career, and the negative impact on my credit history has the potential to jeopardize my professional standing and employment. 

If the necessary corrections are not made promptly, I am prepared to take legal action to protect my rights. Under the FCRA, I have the right to accurate credit reporting and the ability to seek damages for any harm caused by inaccurate reporting. I am confident that the evidence of the forbearance agreement, combined with the incorrect credit reporting, will support my case against Shellpoint Mortgage. 

Enclosed with this letter, you will find copies of the relevant documentation, including the forbearance agreement and any correspondence confirming the forbearance terms. These documents clearly illustrate the agreed-upon terms, which prohibit negative credit reporting during the forbearance period. I kindly request that you consider this evidence during your investigation. 

I expect this dispute to be resolved promptly within the legally mandated time frame of 30 days. Please provide me with written confirmation of the steps taken to correct the inaccurate credit reporting associated with my loan number [ Loan Number ]. Additionally, I request that you provide me with a free copy of my credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify the inaccurate credit reporting promptly. I look forward to a resolution that restores my credit history to its accurate and fair state
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XX/XX/XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXXdays before the payment due date. 


( XXXX, XXXX XX/XX/XXXX) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XX/XX/XXXXdays before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have reached out to Debt Recovery Solutions and requested validation of this debt as I did not have a account with XXXX. 

I have not received anything back after several attempts to resolve the matter myself.
Product: Debt collection

I'm contacting you to challenge the addition of this bankruptcy to my credit report. It's troubling because I have official correspondence from the court explicitly instructing against its reporting to you. Moreover, the involvement of an unauthorized third party amplifies the absurdity of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has two different account numbers. TransUnion - XXXX XXXX - XXXX. This isn't the only inaccurate or inconsistent as well as violations information on this account.
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 inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Prepaid card

I activated the card on their website on XX/XX/XXXX with a {$170.00} balance. On XX/XX/XXXX all but {$1.00} was taken. 
Gift card is a XXXX card issued by Blackhawk Network California , Inc. 
The funds were used on a XXXX website. 
Transaction Details Authorized amount : Retailer name : Purchase Date : - {$170.00} XXXX XXXXXXXX XX/XX/XXXX Retailer city : Settlement amount : Retailer zip code : XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

The Following inquiries were made on my account without my knowledge. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to 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 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
Product: Consumer Loan

i called TD Auto to try to have a payment ( XXXX XXXX, 2015 ) skipped for a hardship. I am having XXXX on Wednesday XXXX/XXXX/15 on my XXXX and have to apply for state XXXX. I was denied the extension because i could not provide a date that i would have the funds from XXXX to make a payment. I just found out yesterday that i was having XXXX on my XXXX. I see the doctor again on Tuesday, XXXX/XXXX/15 and will give him the XXXX paperwork to complete, then my employer has to complete it. After my employer completes the paperwork it is sent to the state and the will process it " within a few weeks ''. My car payment is due on XXXX/XXXX/15 and i was asking to skip that payment until my XXXX starts. Unless i can provide TD auto with an exact date I am going to be paid XXXX the payment can not be skipped. If i find out that the XXXX will be paid on a certain date after the payment is due I can not skip the payment becaus the account is wo n't be current. this makes no sense to me. I have to have the XXXX to skip the car payment? i am asking to skip the month while waiting on XXXX. They offer hardships but do not actually provide it to the customers. I have paid them ontime for over XXXX years now when i need some help i am denied over the phone and they cant even provide me with a writen notice of the denial. I told them that i can provide documentation that i will be out of work from my doctor but all they care about is when will my next income be coming in. I was on hold for over XXXX minutes after talking to XXXX XXXX at TD Auto to be told i dont qualify. XXXX years of ontime payments and XXXX does not qualify someone to have a payment skipped for a hardship, i dont what would qualify
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX and Complaint Number XXXX for reference to the previously reported data spill, identity theft, and fraud leading to the sabotage of my credit report. There was an attempt to rewrite history as the timing of these emails, encounters and correspondence appear to refer to previously reported incidents from the years XXXX - XXXX. On XX/XX/XXXX XXXX XXXX  I received an email from XXXX  ( XXXX ) with the subject line : " Your Rental Application to [ RESIDENCE REDACTED ] ( ReferenceID : XXXX ). '' The XXXX email stated, " Enclosed please find the FCRA ( Fair Credit Reporting Act | Federal Trade Commission ) Adverse Action Letter that pertains to your recent rental application. Thank you. XXXX Consumer Relations. '' The XXXX  email attachment continues to state, " Although we are solely responsible for our rental decision, it was based in whole or in part on information contained in a tenant screening report provided to us by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ... You also have the right to : * Obtain a free copy of your tenant screening report from XXXX  by contacting them directly within 60 days of receipt of this notice. * Contact XXXX directly to initiate a dispute of any information in your tenant screening report you believe is inaccurate or incomplete. * Obtain a free copy of your credit report directly from Experian, which provided it to XXXX... You may also have additional rights under the credit reporting or consumer protection laws in your state. For more information, please contact your state or local consumer protection agency or state attorney generals office. '' The XXXX email ( as well as other emails received ) yield a level of well-timed denial of fundamental consumer rights with the expectation that consumers are responsible for correcting, protecting, and preventing errors and breaches that occurred at the company. To date, my credit, finances, and records remain severely damaged from the repeated unauthorized inquiries, unauthorized access, identity theft, and fraud stemming from a failure to safeguard information. CFPB Complaint Number XXXX provides evidence of several other companies that also accessed my credit report without my knowledge or consent. This factually incorrect email, attachment, and contents from XXXX confirms there was a severe breach involving my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX