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

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose. 

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Mortgage

Signed contract and applied for a End Loan with XXXX XXXX/DHI Mortgage in XXXX XXXX. I provided all my documentation right away within 30 days of the original contract date ( information was sent by way of email directly to the Mortgage Loan Officer ( MLO ) and can be provided ). Per the contract I was suppose to have a pre-approval within 30 days of the contract. I did received a pre-approval/Conditional approval letter until XXXX/XXXX/XXXX and the home was completed the end of XXXX XXXX. Through this process my credit report was pulled multiple time with out my knowledge ( my credit score started and remained over XXXX last pull my credit score was XXXX. Each time a different hurdle came up. I jumped through hoops each time to satisfy the request. In the end the loan was denied stating it did n't meet their guidelines. The contract was voided without my knowledge and I was n't even given the 45 day notice to obtain financing with another lender. The sale price on the property was {$250000.00} and it on the market for {$270000.00}. The home appraised higher than anticipated therefore I feel my family and I have been taken advantage of in many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thier. Is a account on my credit file that is not mine it is U.S.A..A. Saving account not mine told XXXX. To remove it. and i have sent in a police Report saying that it is not mine. It was removed from XXXX. And XXXX.. so XXXX wants to play around with me like they don't understand. XXXX
Product: Debt collection

This goes with case number XXXX Fraudulent debt sold to Hunter Warfield debt collections. Placed on my credit report without any contact from XXXX XXXX or his property management team. 
This man appears to hide behind various small businesses that he owns. 
He also repairs nothing or makes a tenant whole. Fraudulent fines are given without any explanation for the fines. 
Many of his workers are undocumented. His management team is unsavory. He is well hidden behind them. I was sent an eviction notice after I gave my 30 day notice and paid my rent. 
His rental properties do not follow tenant/landlord law. He baits and switches. 
I feel the problem I am having is tenant retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, LexisNexis Consumer Center improperly allowed XXXX XXXX XXXX to have access to my personal consumer report/information without my authorization to do so. LexisNexis Consumer Center knew or should have known that XXXX XXXX XXXX did not receive permission or authorization directly from me to access my personal consumer report and/or driving history. XXXX XXXX XXXX had access to my social security number from an old policy many years ago. I did not give LexisNexis Consumer Center or XXXX XXXX XXXX permission to access my personal information without my authorization. This is clearly a violation of my consumer rights. LexisNexis Consumer Center also  improperly accessed my personal consumer report without my permission or authorization to do so. This is also a violation of my consumer rights.
Product: Mortgage

Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX A full package was emailed to Freedom Mortgage on XX/XX/XXXX. This included Freedom Mortgages proprietary RMA and Unemployment Affidavit, as well as the XXXX. 

OnXX/XX/XXXX freedom Mortgage asked for the Unemployment and XXXX again. 

On XX/XX/XXXX Freedom Mortgage asked for evidence of self-employment income for the last 6 months even though the Unemployment Affidavit WE SENT THEM TWICE states the homeowner HAS NOT BEEN EMPLOYED SINCE XX/XX/XXXX. 

Freedom Mortgage is fallaciously requesting extraneous records in an attempt to stall decisioning this short sale. They are doing this in an attempt to extort servicing fees out of the investor. THIS IS FRAUD AND IT NEEDS TO STOP NOW. 

Freedom Mortgage already has a complete short sale package and I want the short sale moved forward appropriately without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank ran a hard credit report inquiry without my consent. Called the XXXX department XXXX capital one and they said that they couldn't find no application. However XXXX  report states there was a hard inquiry on credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I have been writing and complaining about my loan with Rushmore management. All of a sudden my monthly payment went up from XXXX to XXXX dollars. They said it was due to taxes and escrow. I objected and said I would rather pay my own taxes for which I made a XXXX dollar payment to VA department of taxation. 

Calling Rushmore is useless. The people who answer are either in the XXXX or elsewhere. Each says something differently. In the month of XXXX I was in XXXX, CA and even though I had asked whether Rushmore had an office there, on the phone they told me it is just a PO Box . Well, I went to a building and No it was not a PO Box but a few story company there. I asked to meet someone. Finally a lady by the name of XXXX XXXX came and I talked to her at length and told her of my grievances. I also paid an amount of XXXX which had remained from the XXXX dollar payments i had made. I also told her that I think it is absolutely ridiculous and highway robbery that after making nearly 2000+ a month since XXXX on a loan of XXXX, I still owe Rushmore which is now the new lender or service loan XXXX plus some XXXX in late fees!!!!! I have paid over the years more than XXXX on this loan and still owe apparently XXXX!!!! How much do these people want? 200 percent on their investments? or XXXX?!!! 
I have asked in various letters and complaints that I want this balance down and the monthly payment to be reduced to an amount that I can afford. I emailed Ms. XXXX two times since I met her and have left her 3 messages on the phone. She has not even bothered to return my calls. Ms. XXXX also told me that Rushmore is changing the amount to a lower amount as I paid the taxes. But what I get is the same amount and in fact the last statement was for 5000+. I want a total change on this loan and I want Rushmore to provide answers and return my calls. Otherwise, they are considered UNPROFESSIONAL.
Product: Vehicle loan or lease

I have never had a late payment in my life. I had a lease with XXXX that I terminated early and paid off. But yet, during COVID-19 when  Congress passed the CARES ACt to protect consumers ' credit, I was marked late in XXXX and XX/XX/2020. How is that possible? 

I had a 60-month loan that I paid off early and I get marked late after I pay it off? That does not make sense to me.
Product: Vehicle loan or lease

I called Santander Consumer USA to request a copy of my contract on XX/XX/XXXX/XX/XX/2018, I never received the contract. I called today, XX/XX/18, to request the contract to be mailed and faxed. The copy that was faxed to me is not legible. The print only covers approx 1/3 the width of a standard 8x10 sheet of paper. I called again to request a legible copy of the contract and was told I would have to wait " up to 24 hours ''. I also called in regards to the company reporting a 30 day late prematurely. I made the payment on XX/XX/18, which shows credited to my account on XX/XX/18, via the online portal. However, when I called I was told by XXXX XXXX XXXX XXXX that the payment shows posted on XX/XX/18. I was told on a separate call by XXXX that is the reason it was reported 30 days late, as they report to the credit bureaus on the XXXX of each month. Additionally, the payment made on XX/XX/18 shows as having been applied entirely to the interest, the amount of that payment was {$340.00}. I would like an explanation for this, and a correct adjustment. I would also like my account to be audited as I am concerned that Santander Consumer USA 's inaccurate reporting/recording has compromised my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's response is that they gave me the summary of results on XXXX XXXX 
However, I received no invoice or summary of results and zero knowledge of this amount owed. There is no certified mail or evidence that I received such notice as surely I would have disputed immediately instead of this inaccurate charge hitting my credit report. 

I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied housing and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. ACCOUNT : XXXX NAME : XXXX XXXX AMOUNT : {$4800.00} In accordance with the Fair Credit Reporting Act, This account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts should not be able to just say I owe money that I do not owe with zero evidence. If it was verified accurate, what method was used? Where is the evidence that it is accurate? This XXXX XXXX  company just sent an invoice with no details. This needs to be removed off my account asap and I may now have to start a litigation case against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian disputing inaccurate information the bureau is reporting on my consumer report. 30 days have passed and they have not responded and/or provided any findings from their investigation. On XX/XX/2022 I sent a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and  was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize this item on my credit report remove this immediately
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EQUIFAX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES 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 US SM BUS ADMIN ODA 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 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: Debt collection

The debt occurred more than 7 years in the past. It is illegal to report credit items after 7 years. There was no way to verify the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against Equifax for their failure to accurately reflect my account balances on my credit report, despite my creditors confirming that they are reporting my account information regularly. 

For the past XXXX months, I have been attempting to resolve this issue directly with Equifax. Despite my efforts, the balances for multiple accounts on my Equifax credit report remain incorrectly displayed as {$0.00}, which is not an accurate reflection of my credit profile. This misrepresentation has negatively impacted my ability to present a true and accurate credit history. 

Actions Taken : XXXX. I contacted XXXX XXXX XXXXXXXX XXXX, o

ne of my creditors, to verify whether they are reporting my account information to Equifax. They confirmed that they have been reporting my account balances and activity regularly and provided documentation to this effect. 2. I raised multiple disputes directly with Equifax over the past several months, but they have failed to resolve the issue or provide an adequate explanation for the inaccuracy. 

Harm Caused : Equifaxs failure to report accurate information has caused significant harm, including but not limited to : Misrepresentation of my credit profile, which could affect my creditworthiness.

Frustration and wasted time in resolving a matter that should have been addressed promptly.

Requested Resolution : 1. I request that the CFPB investigate Equifaxs failure to accurately update and reflect account balances reported by my creditors.

2. I ask that Equifax immediately correct the inaccuracies on my credit report to reflect the information provided by my creditors.

3. I request a formal explanation from Equifax regarding their handling of this matter.

Attached to this the current screenshots of the mi reporting of balances as XXXX. This serves as evidence of Equifaxs reporting failure.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that Equifax corrects this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX Transunion 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX