23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company was with XXXX and now for the last 3 years it's with Mr Cooper Mortgage Co. Within the last few years they raised my mortgage payment 4 times and they always give the excuse it was due to escrow! 
Can you please look into this for me? 

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

Hello, I've noticed I have a hard inquiry on my Transunion report for the below. 

XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/2021 I'm not sure what this is as I have not gotten any loans or have applied for anything.
Product: Credit reporting or other personal consumer reports

today i logged into my credit file to see 800 LOANMART/XXXX  have made an accessed my credit file without my permission on XX/XX/2023, i have never done business, signed any contract or documents with 800 LOANMART/XXXX  or anyone they are doing business with, I do not wish to contract or do business with 800 LOANMART/XXXX  the inquiry into my credit file was unauthorized.
Product: Credit reporting or other personal consumer reports

My information was misuse, using false documentation. I was a victim in a data breach, and was not notified as citizen about the matter. Meaning the property was not minds. I was not the tenant living there. I am and has always lived at my family address since birth, my id will prove that, as well as documentation of bills that come to my home
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX credit report and I noticed a late payment posted on my credit report from : Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Acct XXXX XXXX XXXX XXXX ( XX/XX/2023 ) Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681n ]
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling with disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting issues and discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to Scams. This is a very serious safety concern and money was taking from me and never resolved.
Product: Debt collection

There are many complaints about this company : They did threaten to come to my home and " arrest '' me. After the XXXX call, I called and left a voice mail message asking them not to contact me by phone again. If I have a legitimate debt, I told them to send it to me in writing. I received a call from her again the next day as well from another woman representing the same company. This woman 's tone was not as aggressive but she also threatened me. I called again, left another voice mail instructing them not to call me any more and to send me something in the mail if this is a legitimate debt. I also told them I would be filing a complaint against them. XXXX of them calls from a toll-free phone number and the other XXXX calls from a local # XXXX phone number that just rings when you call it. No voice mail. 

In addition, they also called my XXXX year old mom and also threatened her AND DISCLOSED personal information to her about me which made her very upset and nervous because they were telling her I needed to go to court otherwise I would go to jail!! 

Please stop these people and let me know if there is anything that I can do to HELP you stop them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay Jewelers is reporting a charge off account and payment history past the closed and paid in full date. 

Kay Jeweler- Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a XXXX balance in XXXX and could not have charged off in XXXX because there was XXXX balance. Please assist me with reporting the account accurately.
Product: Debt collection

It is against the law to have medical debt on your credit report. Also I have not received any paperwork proving that I signed and agreed that this debt is mine. Also HIPPA violation to have this on my credit report.
Product: Debt collection

I was a patient at XXXX XXXX XXXX in XXXX XXXX, AR from XX/XX/2019 until XX/XX/2019. At admission to the hospital they were informed I was a VA patient and to notify them in order to obtain transfer to their hospital in XXXX XXXX, AR. They failed to do so within the 72 hours timeframe as established by the VA. We informed the VA by phone calls numerous times and were told not to worry about it, that I needed immediate emergency care, and I was set up through XXXX to be treated by a local hospital due to the distance to XXXX  XXXX , AR VA. Consequently, XXXX XXXX XXXX billed XXXX XXXX XXXX and received immediate compensation, leaving a balance due of {$1800.00}, which is their co-pay amount. If the VA had been billed as instructed, their would have been no co-pay. The balance due went to Receivable Solutions in XXXX, SC and we informed them by written letter and attachments, which they continue to not recognize.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Immediate Deletion of Accounts for Violation of 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Dear ( Credit Bureau Name ], I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , by certain creditors listed on my credit report.

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX am requesting that you immediately delete these accounts from my credit report, in accordance with Section 1681s-2 ( a ) ( 1 ) ( E ) of the FCRA, which states that if a furnisher of information determines that information it provided to a consumer reporting agency is inaccurate, it must promptly notify the agency to correct the information. The continued inclusion of these inaccuracies not only damages my creditworthiness but also infringes upon my rights as a consumer seeking fair and accurate credit reporting.

Please be aware that the FCRA holds credit reporting agencies accountable for ensuring the accuracy and integrity of the information they report. Non compliance with the FCRA may subject your agency to legal consequences, including potential liability for damages, as outlined in Section 616 of the FCRA.

I expect your immediate attention to this matter and request that you delete the aforementioned accounts from my credit report without further delay. I also request that you provide written confirmation of their removal within 30 days, as per Section 1681s-2 ( a ) ( 3 ) of the FCRA.

Thank you for your prompt action in rectifying this violation and upholding the standards set forth by the Fair Credit Reporting Act. 

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

XXXX sold my loan to XXXX who sold to XXXX. BK was filed w/ XXXX so should never have sold. Experian is reporting it as a foreclosure and not bankruptcy status ( see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, inquiries and inaccurate information are being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX GA XX/XX/2022 XXXX XXXX GA XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with accounts and fraudulent inquiries I did not authorize
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 XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  XXXX  and equifax and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau COMPLAINT : FCRA VIOLATIONS I have recently pulled a copy of my consumer credit report. I have disputed this account/creditor XXXX XXXX with XXXX, XXXX and Equifax for several years and they failed/refused to remove this account from my consumer credit report. XXXX, XXXX and Equifax consistent delinquency reporting of this unverifiable fraudulent/inaccurate account has/is causing loan denials ( personal and business ), car loan denial, credit card denials, credit increase denials, high interest rates, application denials that has wreaked havoc in my life. Under the FCRA credit bureaus are prohibited from reporting fraudulent or inaccurate information on consumer credit reports. Consumers have the right to dispute any inaccurate information on their credit reports, and CRAs are required to investigate these disputes within a reasonable period. If the information is found to be inaccurate, the CRA must correct or delete it. Credit bureaus that violate the FCRA by reporting fraudulent or incorrect information, consumers have the right to take legal action against them. I have attached documentation IN THE STATE COURT OF XXXX XXXX GA, Civil Action NO XXXX. 

Also, I have filed a previous complaint with the CFPB concerning incorrect addresses that should NOT be on or attached to my consumer credit report and again they refuse to correct and update. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX is the ONLY address that should be listed on my consumer report. Your assistance in this matter is appreciated.
Product: Money transfer, virtual currency, or money service

I got contacted through XXXX  about a product ( bourbon ) Ive been looking for for quite some time that was {$130.00} on XXXX XX/XX/XXXX. I thought it was a great deal, but it turned out to be a scam and me having to send more money through Zelle. They assured me I would get a full refund after paying for insurance fee which was {$120.00} and a permit that was another {$170.00} whenever I got my package that would arrive in a day I shouldve known better the package was never going to come and I tried to resolve it through my bank, but they said there was nothing I could do to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CHILD SUPPORT ENF AG/N Account Number XXXX XXXX Please remove it from my credit report. 


1. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in 2016 I had A Credit Card Account with USAA. I Paid The Card Off And Closed the Account. USAA Is Reporting To XXXX  That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX  That The Account Was Closed At Consumers Request.
Product: Credit card

Applied for an Amazon Chase credit card on XXXX was denied. Contact the landing team to retract my application due to the fraud. Phone call was disconnected on 3 different occasions of trying to resolve this issue. Spoke with a supervisor XXXX, stated they can't retract my application.
Product: Debt collection

Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameJEFFERSON CAPITAL SYSTEMS Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$540.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding a blatant violation of the Fair Credit Reporting Act ( FCRA ) under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, an unauthorized credit inquiry from XXXX XXXX was made on my Transunion credit report. This inquiry occurred without my consent, written authorization, or any permissible purpose, as required by federal law. I have not engaged in any transaction with this company nor granted permission for them to access my credit report, making this inquiry unlawful under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  prohibits obtaining a consumer report under false pretenses, which directly applies to this situation. Please consider this matter urgent. I trust the Consumer Financial Protection Bureau will take immediate and decisive action to enforce the law, rectify this harm, and ensure that my rights under the FCRA are fully respected. I have attached a copy of my credit report circling the disputed inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Acct XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. 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 late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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