23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 




Remedies If any of these three types of entities ( credit bureau, creditor, or information user ) violated your rights under the FCRA, you might be able to sue them in state or federal court for damages. 


Furnishing and reporting inaccurate information A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA. 

Some examples of inaccurate information that could be supplied to your CRA include overstating or misstating total balances due, reporting a debt that has been paid off as a charge off, reporting payments paid on time as late or mistakenly listing you as a debtor on an account. 

Bottom line : CRAs need to respond to filed disputes in certain ways, and not following those procedures could violate the FCRA. 

Bottom line : Creditors or CRAs failing to update your credit information ( which should be kept as up-to-date as possible ) violate the FCRA. 


Mixing files In some instances, a credit bureau can mistakenly mix your file with that of another debtor with information similar to yours, like a shared last name. This violates the credit bureaus obligation to report accurate credit information about every borrower. 

Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are XXXX people named XXXX XXXX who live in the same zip code, or not including XXXX, XXXX, XXXX or other differences for people Bottom line : Its possible mistakenly mix credit information of two people with similar information, which violates the FCRA if not remedied. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must XXXX thoroughly investigated by the agency.
Product: Debt collection

This is my second complaint on KANSAS COUNSELORS INC. with CFPB Case ( XXXX-XXXX ) I stated that this was not my debt and it was reporting inaccurate on my report. Kansas Counselors Inc. reported that I owe a balance of {$810.00} on this account I made contact with the reporting credit bureaus as well as the collection agency KCI ( documents are in previous case above ) as a stall tactic in order to report/collect a debt Kansas Counselors Inc. reported that I made a payment of {$120.00} which brings me to a remaining balance of {$690.00} reporting on my report after I filed a complaint with CFPB stating that this was incorrect information. I followed all the steps in contacting the collection agency as well as the credit bureaus in order to correct invalid/false information as I stated in the last compliant. 
In attempt to get this matter taken care I made contact by mail ( XXXX ) and received a bill that has a list of items on it that with prices next it at the top is say balance due {$0.00} above that it has me owing XXXX none of it add up or makes sense. I ask that you investigate this matter as well as get information from my insurance provider. 
Kansas Counselors is violation of several acts they are reporting information that you know to be inaccurate. Failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX NA - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX NA - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX CARD - XX/XX/year> XXXX CREDIT XXXX BANK NA - XX/XX/year> XXXX. XXXX XXXX NA - XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX 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 Experian 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, THANKS.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous lawsuit. Consumer Financial Protection Bureau Case No ( s ). : XXXX and XXXX are XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An account was opened in my name that I had no knowledge of. It was an At*t uverse account. It was removed from my credit report last year. The company IC systems had added it back today in result lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called XXXX. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact XXXX while they preformed their investigation. I contacted XXXX and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. XXXX informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from XXXX again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that XXXX was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on TransUnion this loan was opened on XX/XX/2021 as for XXXX and XXXX the loan was opened on XX/XX/2021. 
I immediately contacted XXXX XXXX customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is XXXX and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Product: Debt collection

Midland Funding continues to send me collection letters, call me from random numbers and show on my credit reports but I do not have an agreement to pay them, nor have I entered into a contract with this company. I have repeatedly requested the credit bureaus to remove the inaccurate information as I have never owed and do not now owe Midland Funding! If I have bad debt with another organization, they need to contact me for settlement, not this company. Why would I agree to pay a company I have never entered an agreement with? Allegedly, they are debt buyers and purchase unwanted or written off debt from other companies - THATS THEIR PROBLEM! How can you collect money on behalf of someone else? Excuse me, you didn't pay XXXX 's so I went ahead and paid some of it so now you owe me? NOOOOOOOOO If this does not disappear from my credit report, I will be suing this company!
Product: Debt collection

My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " 100 % of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


1st one : Certified Services Inc Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} 2nd one : XXXX XXXX Originator : XXXX  XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}
Product: Credit reporting or other personal consumer reports

I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on credit karma and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called Equifax and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice Capital One Card on my credit report for fraudulent amount XXXX I have called Capital One Card with no resolution.
Product: Mortgage

received a notification from XXXX XXXX XX/XX/20, XXXX  XXXX XX/XX/20 and XXXX that my credit score has decreased due to Mr. Cooper a.k.a Nationstar has put a negative comment on my credit file and it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX  XXXX  XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX  XX/XX/XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a fraud account on my report experian refuses to remove it XXXX XXXX says it has nothing with them i submitted a police report and they still refuse one person said at one point in time it was disputed in a way that was understood to be that i have admitted to the amount owed i never did such a thing i disputed it as fraud from the start now its holding me up in my life i would first go with u next move is civil auction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to Experian, XXXX, and XXXX and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Product: Debt collection

First Credit Services is violating my rights. The company is trying to collect the debt that is not owed. Also publish XXXX inaccurate information on my credit report. The account was open by identity theft. The company does not have an original signed copy of a contract.

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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the data breach that has been reported involving [ Transunion ]. I believe my personal information has been compromised as a result of this breach, and I request that you take immediate action to investigate and address this matter. 

I am concerned that how Im affected, such as unauthorized transactions, notifications of breach, or any signs of identity theft. This has caused me significant distress, and I am requesting the following : A full explanation of the breach, including the specific data that was compromised, and how my personal information was involved in. Under applicable data protection laws, I understand that I have the right to dispute this breach and request corrective action. Please provide me with a written response confirming receipt of this letter and outlining the steps you plan to take to resolve the matter. 

If you fail to respond or resolve this issue promptly, I will be forced to escalate the matter to relevant regulatory authorities or seek legal recourse. 

Thank you for your attention to this matter. I look forward to your swift response.
Product: Student loan

Yesterday XX/XX/19 I received a notice from XXXX saying that my account was going to be defaulted due to non-payment. Today XX/XX/19 I called XXXX to figure out what was going on, I had never received any bill from them. As I was speaking to the customer service representative she notified me that my Department of Education loan hasn't been received since XXXX. I was using a 3rd party consumer when I was paying on this loan. I was unaware that they were a 3rd party consumer, I thought they were the one that dealt with my loan first hand. American Education Services has been taking my payment out every month on the XXXX since XX/XX/19. I am not sure what payments they have sent to XXXX. I have paid XXXX since XXXX. I then contacted them and they tried to tell me that they were assigned to my loan. When talking to the lady from XXXX, this was something that she heard of quite a bit. She has heard them do this very often. I am now concerned that they have all my information and what they could do with that. They haven't paid my loan for months, it makes me wonder what they would do with my personal information.
Product: Credit reporting or other personal consumer reports

Over the course of XX/XX/XXXX to XX/XX/XXXX I have sent several certified and notarized letters. I have asked for verification of information on my credit report on 5 occasions to which it has never been provided. By law, I am entitled to this information including how it was verified, when and if they cant verify it then it needs to be deleted. The information I know can not be verified as its not accurate what they have listed. They have not deleted the information that I have asked for proof on and have not provided the proof either.
Product: Mortgage

I was interested in refinancing my existing XXXX Mortgage and I reached out to New Penn Financial ( XXXX ) starting in XXXX of 2016. Everything was approved and ready to close but on XX/XX/2016 I decided that I no longer wanted to move forward with the loan/closing. I informed XXXX of New Penn Financial on XX/XX/2016 via email. XXXX quickly reached out to my via phone in an attempt to convince me to continue working with New Penn and close out the refinance with them. New Penn has ignored multiple requests from my new refinancing company " XXXX '' to transfer my FHA case number to allow them to lock in my refinancing rate with them. I saw this as a deliberate attempt by New Penn Financial to block me from being able to shop my refinancing options with other Mortgage Companies. Because of New Penn Financials unethical behavior my original estimated Mortgage interest rate increased from 3.37 % which is now costing me more money. New Penn Financial continues to call me 19 days later stating that they need me to telll them who to transfer the FHA case number too. This does not make any sense to me because I know that XXXX provided all the necessary to New Penn to transfer the FHA case number. All of this will now end up cost me thousands of dollars. This type of behavior should not be allowed because it cause consumers a lot of unnecessary stress. As I 'm submitting this compliant XXXX of New Penn Financial continues to reach out to me regarding the loan that I requested him to stop working on 19 days ago. XXXX emailed me on XX/XX/XXXX stating " I see you made your XXXX payment. We can still do the loan for you and close in XXXX '', again after I informed him on XX/XX/XXXX that I decided not too move forward with New Penn. This sounds like New Penn continues to work my loan and pulling my credit report, which is going to show as additional inquiries. I 've informed New Penn Financial thatI plan on working with another institution so why are they continuing to utilize my information? 

XXXX, NMLS # XXXX New Penn Financial