23daVinci/CFPB_Complaints huggingface dataset:
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. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They reported a debt I believe which negatively affected my credit report and hasn't provided debt validation for XXXX business days past initial contact about debt which I believe is to be mandatory.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Filed complaint XXXX with CFPB. 
Collection Agency provided a self-serving unresponsive response to said complaint. 

Collection Agency claims they have provided a written response to me indicating that the account in question had been " settled '' No response has been received. 

A settlement implies that I made some sort of payment when nothing can be further from the truth. 

Collection agency must provide a TRUTHFUL written response to me indicating that the matter was mistakenly sent for collection by XXXX XXXX. There was no settlement. 

Collection agency must also indicate whether or not they provided any information to any credit reporting agency with regard to me or the matter at hand ; and if they did, that they have caused such information to be withdrawn. 

The names of the credit bureaus are also to be provided to me.
Product: Debt collection

National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX  and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB : XX/XX/1992 My addition address is XXXXXXXX XXXX XXXX   XXXX FL XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I suspect that my personal information XXXX have been compromised, leading to fraudulent activities on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXthe 2017.my credit was inquired by XXXX XXXX without my authorization.
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report NumberXXXX ). Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report. Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Chase sent me a letter on XX/XX/XXXX stating they are closing my checking and credit card accounts. I opened credit card in XX/XX/XXXX and opened checking in XX/XX/XXXX. 

The explanation is painting a relationship with me may " potentially cause reputational risk ''. 

I work in a legitimate field. I do not take illegitimate risks. I pay my bills on time. I maintain my account balances.
Product: Mortgage

My loan payments were not applied on the correct date. MR COOPER need to apply my payments on payments date. They can not dictate when they apply my payments. Previously, mr cooper told me XX/XX/XXXX payment was applied XXXX XXXX 14 days late. XX/XX/XXXX will be applied on XX/XX/XXXX, more than 30 days late. XX/XX/XXXX payment will be applied XX/XX/XXXX, more than 60 days late. Thats holding my interest captive. Note : i did not ask mr cooper to apply my payments on ANY future dates. 

The Company responded : " Our records indicate on XX/XX/2024, total funds in the amount of {$9100.00} ( {$2100.00} + {$7000.00} ) were received and applied to the account that same day. Of this amount, {$2100.00} was applied to satisfy the XX/XX/2024, payment ''. 

Who asked you to apply the {$2100.00} to satisfy XX/XX/2024 payment? No body. See screenshot of when I tried to make the payments. There is no where on the screen indicating that the principal and interest is being apply to satisfy FUTURE payments. I simply want to make the payments to apply interest and principal ON THE SAME DATE. 

I have my monthly payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX already. I don't need you to apply any amounts I paid to satisfy a payment on a future date. 

The {$2100.00} received on XX/XX/XXXX needs to to interest from XX/XX/XXXX to XX/XX/XXXX, the remaining to principal The {$2100.00} received on XX/XX/XXXX needs to apply interest from XX/XX/XXXX to XX/XX/XXXX, the remaining to principal The {$2100.00} received on XX/XX/XXXX needs to apply interest from XX/XX/XXXX to XX/XX/XXXX, the remaining to principal If you are unable to do this because your system does not allow or whatever the reason is, you need to apply my entire XX/XX/XXXX and XX/XX/XXXX to principal. 

When you receive a payment but apply to satisfy a future payments, you are holding my money but still accrue interest. Again, I DID NOT ASK YOU TO APPLY TO SATISFY FUTURE PAYMENTS. 

As someone who understand time value of money, there is ABSOLUTELY no reason for me to make a payment in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED MY DISPUTES VIA EXPRESS MAIL. NOTHING WAS DONE AND MY RIGHTS ARE BEING COMPLETELY VIOLATED
Product: Mortgage

On XXXX XXXX, Finance of America pulled my credit without my consent or authorization. They only reason I knew was because I got an alert through my credit monitoring company. 

I do currently have a mortgage with them and never been late, but how can they just pull my credit at anytime without telling me?
Product: Credit card

My husband was charged for an additional ticket by XXXX XXXX. His flight was delayed for over an hour. Then they closed the gate 30 minutes early even though they had over XXXX passengers from the delayed flight. The staff at the gate told my husband he would need to pay {$140.00} for the next flight. While he was upset he agreed. Before that staff charged my husband they had a staff change and the next guy charged my husband {$1000.00}. When we declined the charged the airline lied and said the charge was due to my husband requesting a seat upgrade. We have been disputing this charge since XX/XX/XXXX. The XXXX team is supposed to be reviewing my case but when I first called to inquire XXXX told me that it was declined because the purchase was made in XXXX. I had to explain again to her what happened and that the charge was made in XX/XX/XXXX and we began the dispute the next day. I have called 3 times for an update and no one will return my call. The airline has a responsibility to have gotten my husband to his final destination. They failed and then charged him another ticket. He had no control over the delay or them closing the gate early. As a consumer we should have some protections against this blatant fraud.
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXXXXXX Subject : Request for Removal of Inaccurate Charge-off Information Dear Experian, I am writing to formally dispute the accuracy of certain information in my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau must investigate my claim within 30 days. If the charge-offs can not be verified as accurate and complete, it must be removed from my credit report Additionally, Section XXXX of the FCRA ( 15 U.S.C. 1681s-2 ) requires data furnishers to provide accurate information. If this account can not be validated as accurate and complete by the original creditor, it should be deleted promptly. 

I have attached the following documents to support my request : A copy of my credit report highlighting the disputed charge-off Please conduct a thorough investigation and provide me with written confirmation of the findings. If the charge-off is removed, kindly provide me with an updated copy of my credit report reflecting this change. 

Thank you for your attention to this matter. I look forward to your prompt response. If you have any questions, I can be reached at XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX, US Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has taken several hard inquires out on all XXXX of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all XXXX of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of XXXX  to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Equifax has erroneously dropped my credit score without good reason. My credit score should be going up not down. Response from CFPB are never clearly stated and easy to understand. Thats why I have to keep resubmitting complaints. Equifax has been a perpetual problem for the last year having my credit score drop when it should be going up..
Product: Mortgage

This complaint is to answer Wells Fargo 's misrepresentation once again concerning notification of my person and my attorney when Wells Fargo sold the existing mortgage to XXXX XXXX in XXXX of XXXX and didn't notify my attorney or myself until after the date of filing of withdrawal of the lis pendens ( not the lawsuit ) on XX/XX/XXXX. The lawsuit was withdrawn on XX/XX/XXXX just 3 days before the trial which they did not want to go through with as it was a frivolous case. This notification was submitted to XXXX XXXX, the XXXX XXXX XXXX XXXX lawyers, and admitted but crossed out my name as to the recipients receiving the notification. Neither Wells Fargo or XXXX XXXX notified my person or my attorney in XXXX of XXXX that the property had been sold and Wells Fargo had no more interest in the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I continued to pay legal fees even when there was no active lawsuit or lis pendens in place during that time. The question is why Wells Fargo didn't notify my person that they no longer had an interest in the property in XX/XX/XXXX and drop the legal actions, lis pendents and the lawsuit, in response. 

The second issue is Wells Fargo submitted an application that I signed to obtain a current credit report however stated that the credit report received was not available as the paperwork no longer existed due to its age yet they found all other documents relating to the application so clearly Wells Fargo does not want the courts or public to know that it was the fault of the Wachovia originators and underwriters who didn't catch the issue with the HELOC with the XXXX balance, an account the Wachovia salesperson said not to enter on the written application as they only want accounts with balances. 

This is the reason why Wells Fargo will not answer the question on why they filed the lawsuit as they knew it was frivolous but had an underlining agenda or motivation to do so which is still to be determined. 

This information is also going to the US Attorney to be announced.
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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. 


XXXX XXXX XXXX
Product: Mortgage

Rocket Mortgage shares private customer information with non-affiliated third parties according to their privacy policy : https : //rocketaccount.com/ # /privacy-policy The " Your Choices '' section of their policy does not explain to the customer how to opt out of this sharing. https : //rocketaccount.com/ # /privacy-policy The only option to opt out on the Rocket Mortgage website requires the customer to certify that they are a California resident. The information that Rocket Mortgage discloses to third parties does not seem to entirely fall under the exceptions listed in 16 CFR 313.14. Therefore, Rocket Mortgage appears to be in violation of the Financial Privacy Rule, 16 CFR Part 313, by not informing customers and allowing them to opt of of sharing private information with non-affiliated third parties.
Product: Vehicle loan or lease

I previously owed credit acceptance XXXX. Now I owe them XXXX but if the account is charged off I wan na figure out why interest is still being added to the original debt.
Product: Credit card

I was a victim of fraud.There were items purchased on my Ulta card that I did not purchase and I did not even have my Ulta card because I had lost it. I had told the debt agency this and they did not care.
Product: Debt collection

Sent three letters to Portfolio Recovery Associates requesting two accounts be removed from my credit report because the debt was not mine. Furthermore if the debt was mine which Portfolio Recovery refused to prove it is beyond the allowed time per section 809 of the FDCPA. Portfolio Recovery did not responded to my request but set repeated letter stating I have a right to request substantiation of the debt, which I did in three separate letters sent via certified return receipt letters. The last four numbers of the account numbers per Portfolio Recovery are as follows : XXXX and XXXX. Portfolio Recovery requested I call or write them and prove the debt accounts are mine in order to resolve the issue. I reminded them that per FDCPA section 809 they must provide written verification of the original debt. They did not respond or remove the incorrect debt from my credit report.
Product: Debt collection

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Product: Debt collection

See attatched ( Master Card XXXX ) XXXX ** DEBT DISCHARGED ( debtor not liable for debt ) Note phone number for info on this XXXX USAA recording states " Anyone trying to collect this debt is against the law '' see attatched FRAUD CLAIM VISA END XXXX DATE OF XX/XX/XXXX {$470.00} confirming Temporary Credits Made Permanet. Kindly Note date of XXXX XXXX XX/XX/XXXX. IT TOOK A YEAR TO COMPLETE THIS INVESTIGATION. NO TEMPORARY CREDITS POSTED TO MAKE PERMANET. When I tried ti Resolve Fraud on XXXX XXXX   end XXXX USAA BLOCKED ME SENDING ME TO COLLECTIONS ON THE MASTER CARD ACCOUNT THE DEBT WAS DISCHARGED CLAIMING I WAS LIABLE WANTING TO COLLECT. see ID THEFT XXXX ON XXXX card XXXX. Needless to say I was never able to resolve fraud XXXX XXXX end XXXX Reps XXXX, XXXX, ALL Confirm this card end XXXX IS DELIQUENT. HOW DID AN OLD DELIQUENT ACCOUNT OPEN A NEW ACCOUNT WITHOUT MY AUTHORIZATION? see NEW MASTER CARD END ( XXXX XXXX statement due {$100.00} ALSO DELIQUENT. see XX/XX/XXXX Confirmation XXXX XXXX end XXXX. This account was REPRESENTED AS DELIQUENT DESTROYING MY CREDIT ** FURTHERMORE WAS SOLD TO ANOTHER COMPANY TO COLLECT ** AND OPENED A NEW ACCOUNT WITHOUT MY AUTHORIZATION ( Master Card end XXXX XXXX CONFIRMING AND REPORTING THIS ACCOUNT DELIQUENT ALSO ** FURTHERMORE CREATES ANOTHER NEW ACCOUNT ( XXXX XXXX XXXXXXXX ) WITHOUT MY AUTHORIZATION. USAA DENIED MY FRAUD REPORT XX/XX/XXXX. USAA HAS HELD ME LIABLE FOR ALL THIS FRAUD OVER 10 YEARS DESTROYING MY CREDIT.