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

I called in last week to unfreeze my report to Experian. I am applying for a mortgage and need the report unfrozen. Experian obliged then offered me 24/7 credit monitoring and I said no. No need I am retired and rarely apply for credit. Plus, I freeze all three reports anyway after I apply for credit. The rep seemed like she needed to make a sale to make a quota. My opinion naturally. I said no again. The call ended and XXXX days later I was charged around {$24.00} on a credit card that I did not even give the rep. Amazing. I protested and they said they would cancel the membership that I signed up for. Even though I told the customer rep that I did not sign up for it. 

My bank is looking ( credit card bank that is ) into the charge and has provided a provisional credit back to me. I wanted the CFPB to know as others may be prone to this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report marking late payments that arent consistent with my payment history. Please correct and update my account accordingly.
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 XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX has violated my rights. Or 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: Debt collection

I Have sent PennyMac Services numerous Notices and Affidavits to rebut my facts about the validation of an alleged Debt and all i have been receiving from them are Copy 's of statements and old papers " Not originals with my wet ink signature as asked to prove the authenticity of my own autograph. I have gone through the proper procedures asking to settle the matter by ways of the Complete administrative Process, The response that i have asked for was inaccurate that proved i the Living woman owed this alleged Debt. I have all the supporting documents i will attached herein. As a results i have Forward a Notice of Judgement for default for none compliance To PennyMac Services, And the responses ones again wasn't a sworn testimony or in Affidavit format to rebut my truth, therefore as a result this alleged debt should be removed from all my credit reporting and be expunged.
Product: Debt collection

I am writing to formally complain about an ongoing issue I am facing with IC Systems, a collections agency, and XXXX, one of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. Spectrum assured me this would be removed from IC Systems hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that IC Systems continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX. I submitted a dispute through the XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian on their own placed a security freeze on my account and I have demanded that they remove it. They refuse to do so and expect me to provide a PIN that I don't have. I will not jump through their stupid hoops to get something removed that should not have been placed there in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving XXXX and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. XXXX XXXX XXXX  data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable. 

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of XXXX and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches.

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence. 

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence. 

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Credit card or prepaid card

I have purchase an item that I have never received on XX/XX/20 XXXX XXXX DE {$950.00}. I still haven't received this order. The picture I have sent to you is a sample picture that my supplier sent me to check the quality of the product. This ordered were cancelled due to the poor quality of the sample. I need to get my money back because I have never received any merchandise.
Product: Debt collection

A company called XXXX XXXX calls my residence each and every day starting around XXXX XXXX in the morning. They called 3 times on XX/XX/XXXX, 3 times on XX/XX/XXXX and 2 times on XX/XX/XXXX. This is when I started to keep up with the calls but it has been going on for weeks. I don't owe this company any money I have never done business with this company and it is annoying.
Product: Credit reporting or other personal consumer reports

It seems that my credit file with Experian and XXXX has been compromised. Upon reviewing my records, I've noticed numerous entries that are not associated with me. As I am meticulous when it comes to research, I've discovered that, according to section 605b of the FCRA, the Credit Bureaus are legally obligated to remove these unauthorized inquiries, which have resulted from identity theft. These disputed inquiries are not part of my history. I've attached the necessary FTC Report and the bank 's records, as both parties necessitate them based on my further research. Kindly proceed to eliminate these inquiries. If there is a chance that these inquiries are legitimately mine, I will require all documentation bearing my signature. My research has indicated that you are required to verify these inquiries with 100 % accuracy to confirm their authenticity, correctness, completeness, and verifiability. Failure to provide any records and asserting that the inquiries are verified would compel me to pursue legal action. I do not tolerate games, and neither does my attorney. Therefore, I kindly request that you comply with the law to expedite the resolution of this matter : EXPERIAN : XXXX XXXX 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 have been sending letter to Tranunion about requiring investigation in XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, IL XXXX for over six months. They keep saying debt was verfied but when I reach out to XXXX XXXX I never hear back from them. The last statement stated that account was updated on XX/XX/XXXX but I attempted to verfie on XX/XX/XXXX, to Both Trans union an XXXX this could no be true.
Product: Credit card

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : CITIZENS BANK XXXX
Product: Debt collection

Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them.
Product: Debt collection

Upon my review of my credit report I found a few accounts that are not mine
Product: Credit card

I have been a customer of Lowes credit card for years and have always made my payment on time to avoid interest and fees. 

I made a charge in late XXXX after not using my card for 6 months and in early XXXX I received an email stating my account was past due. I immediately called and they said I had a balance of {$140.00} that was not paid. I advised I did not receive the statement and agreed to pay immediately. The rep agreed to waive the late fee but I asked if they could also waive the interest due to what occurred. She said she would escalate it to her manager as she had no empowerment. 

A few days later they came back and said my request was denied as the statement was mailed. By that time I received my new statement and had {$39.00} in interest on a balance that was {$140.00}. I called and spoke with a supervisor who agreed to waive the interest charges and told me to send in the amount of my new charge which was {$620.00}. He said that would zero everything out. 

In XXXX I received a statement with a balance of {$10.00} which surprised me. I called today and it was escalated to an account manager who said she has no ability to credit that fee as the system locks her out as a fee was credited in the last 12 months. I asked that this be escalated further and she said she was the top of the chain and no one has the ability to credit this fee. I said I do not believe that as I also work for a bank and someone has that authority especially with me being told the {$620.00} would zero out my balance. She said thank you for calling and hung up which is the reason I am filing this complaint. 

Also earlier this year they started charging for statements being mailed. This seems like a junk fee and it should be built into their rate, which is already very high.
Product: Debt collection

I have a collection from I C SYTEM THAT SAYS THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND DO NOT OWE THIS COMPANY. THIS LOOKS LIKE FRAUD {$370.00}
Product: Debt collection

I recently received a letter from Midland Credit Management , Inc. regarding an account they claim I owe ( MCM Account Number : XXXX, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX, Original Account Number : XXXX, Current Balance : {$2600.00} ). This account is fraudulent, created through identity theft, and has nothing to do with me. Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), its illegal to collect or report debts that arent valid or dont belong to consumers. Im requesting that MCM immediately stop all collection activities against me and provide written confirmation that this account has been closed and permanently removed from my credit report. Since this account is fraudulent, I expect MCM to investigate and correct this error right away. Any further attempts to collect or report this debt will be considered a violation of both the FDCPA and the FCRA, including the requirement for maximum possible accuracy under 15 USC 1681e ( b ). I am refusing to pay this alleged debt under 15 USC 1692c ( c ), so you are required to stop all collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 


Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft Account XXXX XXXX ( {$34000.00} ) XXXX XXXX XXXX XXXX, OR XXXX Date Opened : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent you a letter via certified mail ( XXXX ) requesting debt validation for the referenced account. You responded on XX/XX/XXXX with a bill from a creditor. On XX/XX/XXXX, I sent you another letter via certified mail ( XXXX ), rejecting your response because a simple bill is NOT considered a " validation of debt '' by any means. Furthermore, this was unsatisfactory as proof that a debt is owed according to Texas Finance Code Section 392.202 and the CFPB 's standard. 

The letter mailed on XX/XX/XXXX again attempts to validate this debt and extends additional time for your company to comply with federal and state law. As of this date, I have yet to receive a response. This account is still reporting and has yet to be validated, even after a consumer request. 

Not only has this account not been validated, but it also contains numerous errors. When you received the two notices that this account was disputed, an investigation should have been conducted, per FDCPA and FCRA guidelines, and these inaccuracies should have been corrected. Because these inaccuracies remain, it shows that a proper validation was never conducted. 

This account has a last activity date of XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. If this one account was updated, then it should be the same for all credit reporting agencies. What I found to be very concerning is your reporting to XXXX, which reports an Account Open Date of XX/XX/XXXX but has the last activity BEFORE the account was even opened. This is an egregious inaccuracy. Next, the account shows as open on TransUnion and XXXX but closed on XXXX. If this is the same account, how can that be? 

Lastly, this account is a charge-off account and is reported as a collection by your company. Since then, this account has been reported as a charge-off every month, creating a payment history. This is an update in the payment history, which, to my understanding, collection accounts should NOT include an active payment history. This very action falsely manipulates the statute of limitations. 

This erroneous account contains numerous inaccuracies and has yet to be validated even after being requested twice. The company 's actions can only be deemed willful as they failed to correct or remove this account.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) To Whom It May Concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 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 21 days before the payment due date. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX - Why are you reporting this negative on your bureau when this is completely a positive account? 

XXXX reports this positive. Please prove this or correct the status of this account. 

XXXX XXXX XXXX XXXX  - This account is not reported correctly, This is incorrect and unfair. 

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

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you XXXX decline to block or XXXX rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Mortgage

During the week of Monday XX/XX/XXXX I was informed that I had a soft decline on a HELOC application with US Bank due to my student loan debt. I provided all of the additional documentation including XXXX XXXX guidelines showing how to calculate the monthly debt to income ratio with student loan payments. 
I provided the following documentation : 1 ) My student loan has been approved for discharge 2 ) I am currently in an income driven repayment plan and my student loan is currently in forbearance and is scheduled to be in forbearance until XX/XX/XXXX. 
3 ) My scheduled monthly payment is {$83.00} In spite of this documentation the lender has insisted on using a monthly repayment amount of {$4200.00} and denied me a product I am otherwise eligible for.
Product: Credit card or prepaid card

The following inquiries do not belong to me. Please have them removed from my current credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please see ftc report and letters attached.