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

Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX, Acct # XXXX, United Revenue, Acct # XXXX & Acct # XXXX, XXXX XXXX, Acct # XXXX, XXXX XXXX, Acct # XXXX and XXXX XXXX, Acct # XXXX These companies are 3rd party debt collectors. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately. 

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX, United Revenue, XXXX XXXX, XXXX XXXX, and XXXX XXXX  nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX, United Revenue, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX XXXX XXXX, United Revenue, XXXX XXXX, XXXX XXXX and XXXX XXXX  are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.
Product: Mortgage

My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered aapplication Modification but after I sent the application, but after that, they started to refusing my payment, my credit is getting very bad and when I called last time after several timer per week and i Got HAng out, finally, this person told me that this bank will take my home and i have nothing to do, I told him tha I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't reccomend me to fight because any ways I have everything to loose. 
Im very XXXX and I do n't know if I should keep XXXX or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME. 
NOW I UNDERSTANG WHY MANY PEOPLE XXXX, BUT THEY DID N'T LEAVE A LETTER MAKING BANKS RESPONSIBLE FOR THAT, THEY MAKE PEOPLE XXXX WITHOUT CARE ABOUT OTHERS BUT JUST THEIR MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I checked all XXXX of my credit reports and discovered that there is an inaccurate debt noted on my XXXX and XXXX XXXX XXXXThis false debt is being reported by a collection agency known as XXXX XXXX XXXX, XXXX with the original creditor being Money Mart. It is being inaccurately reported that I took out a loan in the amount of {$250.00} in XX/XX/XXXX. I immediately disputed the claim with both credit reporting agencies and contacted the original company from which this false debt came from - Money Mart. I called Money Mart on XX/XX/XXXX and Money Mart associates relayed to me that I do not owe them anything. I DID NOT TAKE OUT ANY LOAN from Money Mart in XX/XX/XXXX. Money Mart agreed there has been FRAUD and IDENTITY THEFT against me and escalated the matter to their XXXX XXXX division. I believe that Money Mart experienced a data breach in XXXX and that my personal information was stolen and used to place a fraudulent loan in my name at Money Mart. I have placed XXXX different tickets to the Money Mart 's XXXX XXXX department and no one has returned my calls to discuss this urgent matter. In addition, XXXX XXXX XXXX has failed to remove this invalid debt on my credit reports as my disputes have been refused by them. This inaccurate credit reporting has caused me financial harm by lowering my credit score and much emotional distress. My credit score and financial standing have been horribly affected by this blatant misinformation. Money Mart is violating the law by reporting inaccurate and false information about me on my credit reports in trying to collect on a fraudulent claim.
Product: Debt collection

Medical Revenue Service did not get prior consent to contact me about this false debt which is {$1000.00} violation 15 USC 1692c.

I have attached a document which shows violation 1. They have a reference number in my name which is identity theft because you do not have a contract with me so why you opened an account with my name on it.false and misleading practices {$1000.00} violation 2. Total amount due is positive. If I owed them any money the amount should be negative and not a positive. false and misleading practices. {$1000.00} violation 3.  They quoted '' If you do not pay the amount owed. XXXX XXXX may sell your account to an outside agency. It is clearly stated at the bottom this is and attempt to collect a debt which means they is a debt collection and this is false and misleading and misleading practices they using someone else name to collect a debt and threat to sell it if I do not pay XXXX violation. 
4. Medical Revenue Service falsely offering me financing for a debt I do not owe. false and misleading practices. {$1000.00} violation
Product: Debt collection

Auto loan opened without authorization due to Identity Theft. Reported to all 3 major credit bureaus as well as Elan Financial and they have refused to accept and remove. I have provided police report as well as identity theft documentation from the Social Security Administration.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a phone call that showed up as PNC bank via caller ID. The person calling said they were a PNC Bank representative, and they wanted to flag some attempted purchases from another state. They read through multiple charges and asked if that was me, and I said no. They then said they would make sure those charges wouldn't go through. They also said there was a scheduled pending XXXX payment for {$2500.00} and the only way to be able to cancel that was if I sent money of the same amount to myself through XXXX. They then instructed me how to put my phone number into XXXX through my PNC Mobile App. They asked me for the confirmation code I was texted and walked me through step by step to send {$2500.00} through XXXX to my own phone number. The second I did that, the call was disconnected. I immediately called PNC and told this about what had happened. They put my in contact with a XXXX Customer Service rep who flagged the transaction as fraud. PNC also filed a fraudulent dispute but told me that I won't get this money back. Aren't I protected in fraudulent person to person transactions? Please help me get these funds back.
Product: Credit reporting

I placed a fraud alert on all XXXX credit reporting agencies due to the number of inquires seen on my credit reports. they sent me an email saying they had investigated and all inquires were correct, per the companies that posted the hard inquires, but they did not have adequate verification with my signature. i would like the hard inquires removed from my credit reports immediately, as they can not verify they were approved by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against Equifax for Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding the wrong name in their records. My legal names are XXXX XXXX. XXXX and XXXX XXXX XXXX ; however, Equifax has been using a name that I do not use on official documents. 

I have previously filed disputes with XXXX and XXXX, and I did not encounter any issues with either of these credit reporting agencies. Both have my name correctly listed as it appears on my driver 's license, which I will attach once again for your review. 

I believe that Equifax has violated my rights under identity theft laws. Identity theft occurs when someone uses personal or financial information without permission, and in this case, my name has been misrepresented in Equifax 's records. 

I am requesting your assistance in correcting this matter for the fifth time. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your help. 

Sincerely,
Product: Vehicle loan or lease

I was dismayed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sorry to bug the CFPB, I have tried to resolve this over the last month and a half. Experian will not update my personal info which is two extra incorrect names and an erroneous unauthorized soft inquiry. 
Maybe the CFPB is able to help. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts with Capital One was settled in 2018 and company refused to update to the credit report and still showing as charged off and balances owes. Have contacted capital one, they said someone will call to discuss but no one has called. 

XXXX refuses to remove collections status off of my report after settled account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit report that are a direct result of identity theft. Per the Experian website they write " It's important to check your credit reports regularly for accuracy. If, while doing this, you've noticed a hard inquiry on your credit report that you believe is the result of identity theft, you can file a dispute with each of the three national credit reporting agencies and petition to have them update the inaccurate information. '' I have requested that Experian open a dispute to investigate the inquiries that are a result of identity theft and Experian has so far not done so. I contacted the creditors directly and was told to open a dispute with Experian. The following inquiries that are appearing on my Experian credit report are a result of identity theft : XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020
Product: Mortgage

THIS IS A COPY OF A LETTER MAILED TO THE CFPB ON XX/XX/2018. FILING COMPLAIT FOR SUN TRUST BANK. REFUSAL OF REQUESTING TO ASSUME LINE OF CREDIT FOR MY MOTHER 'S LINE OF CREDIT ACCOUNT. SUN TRUST HOLDS THE DEED TO MY MOTHERS PROPERTY. ON XX/XX/2018 I WAS APPROVE TO BE THE PERSONAL REPRESENTATIVE OF MY MOTHER 'S ESTATE. AFTER RECEIVING A DEFAULT LETTER I TALK TO THE PERSON WHO TOLD ME HE WAS IN CHARGE OF HER ACCOUNT. AT THAT TIME I TOLD HIM I WAS THE PR FOR MY MOTHER 'S ESTATE. I TOLD HIM THAT I HAD AN APPOINTMENT WITH XXXX XXXX XXXX AND THEY ARE .GOING TO HELP ME TO BRING THE ACCOUNT CURRENT. THE FOLLOWING WE TALKED AND I TOLD HIM THE DETAILS OF THE PROGRAM, AND TOLD HIM I NEED A COPY OF MY MOM PROMISSARY NOTE, HE SAID HE WOULD MAIL IT. WHILE THE PROCESS TO BRING THE ACCOUNT CURRENT HE OFFERED ME A DISCOUNT ON THE BALANCE OF THE XXXX OF XXXX. AT THAT TIME I ASKED IF I COULD ASSUME THE LOAN HE TOLD ME NO I ASK WHY HE SAID I WAS NOT IN HER WILL AND NOT ON THE LOAN. SUN TRUST WAS MAILING THE BILL/STATEMENT TO XXXX XXXX AT XXXX XXXX XXXX, XXXX, MD. XXXX FURTHER INFO.I WILL PROVIDE LATER.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to M & M credit agency and they have been harassing me and falsely reporting on me credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX opened XXXX {$4600.00} # XXXX inquiry XXXX XXXX date XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Experian, XXXX and XXXX What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account have resulted in a fraudulent inquiry appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiry as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, XXXX, and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. Despite diligent efforts on my part to rectify discrepancies, the inaccuracies persist, impacting my financial standing and consumer rights. I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

Equifax : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report
Product: Mortgage

We refinanced our home in 2007 with XXXX XXXX XXXX XXXX, on a adjustable interest it went from 8 % to 12.75 % after they sold the mortgage to SPS, Select Portfolio Sercving, which has denied all of deed in lieu, modifications, and now short sale, just so they can fireclose
Product: Credit reporting or other personal consumer reports

**Subject : Formal Complaint : Improper Use of Credit Reporting and Request for Immediate Removal of Unauthorized or Inaccurate Items** Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to formally address significant issues with my credit report as managed by the credit bureaus. My credit report contains several entries that I believe are inaccurate, unauthorized, and in violation of the Fair Credit Reporting Act ( FCRA ). Below are the specific issues and my request for resolution : # # # **Unauthorized and Inaccurate Entries** XXXX. **XXXX XXXX XXXX* - **Original Creditor : ** XXXX XXXX XXXX  XXXX XXXX XXXX : ** XXXX - **Balance : ** {$330.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** The account is listed as previously disputed with an investigation reported by the data furnisher. 


XXXX. XXXX XXXX XXXX XXXX XXXXOriginal Creditor : ** XXXX XXXX XXXX XXXX - XXXXAccount Number : ** XXXX - **Balance : ** {$360.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer and should be properly reflected. 

# # # **FCRA Violations** The unauthorized and inaccurate entries listed above are in violation of the FCRA, specifically : - **15 U.S.C. 1681b** : Permits access to credit reports only for permissible purposes. The appearance of unauthorized entries indicates a breach of this section. 
- **15 U.S.C. 1681c** : Requires that all information on a credit report be accurate and up-to-date. These unauthorized entries do not comply with this requirement.

- **15 U.S.C. 1681i** : Mandates that consumers have the right to dispute and correct inaccuracies on their credit reports. The entries in question were previously disputed but remain inaccurately reported.

# # # **Requested Resolution** I request the following actions be taken immediately : 1. **Immediate Removal : ** Remove all unauthorized and inaccurate entries from my credit report, including the accounts listed above.

2. **Confirmation : ** Provide written confirmation that the unauthorized items have been removed and that my credit report has been updated to reflect accurate information.

3. **Investigation : ** Conduct a thorough investigation into how these inaccuracies appeared on my report and ensure corrective measures are implemented to prevent future occurrences.

I have attached copies of my credit reports highlighting the disputed items, along with any relevant correspondence. I trust that you will address this matter with urgency and ensure my consumer rights are upheld. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a notification that PENTAGON FCU ( Credit Union ) has made a hard inquiry on my credit repot on XX/XX/2024 without my consent. I haven't shared my credit/social security with any company lately. Not sure where they got my information from. I would like to have the inquiry removed from my credit as I didn't authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card is being refused because of some different information