23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX  : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name XXXX XXXX XXXXXXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

I mailed a letter for request to delete and update any personal information to Equifax, XXXX XXXX XXXX on XX/XX/2024. I also sent a dispute letter to validate alleged collections, negatively reporting accounts, and unauthorized inquires, along with consumer laws they violated, on XX/XX/2024. I did not receive a response or results of the investigation. Its been well over 30 days, and this is a clear violation of 15 USC 1681i. I've delt with these same reporting issues in the past and have not yet recovered financially. Below I've included the codes that have been violated and a list of accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX XXXX  XXXX, has violated my rights. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 
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 an 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: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Skopos Financial is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made XXXX days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact skopos to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX XXXX XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA. 

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading. 

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX XXXX XXXX, as required by law. 

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.
Product: Student loan

Mohela is sending notices saying that my student loans are accruing interest. I am on the SAVE plan and my loans are not supposed to be accruing interest while in forbearance.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

I purchased my first home with my then husband, in XXXX of 1992, The program was called " XXXXXXXX XXXX XXXX '' Both of us qualified for the loan and have a recorded deed and note. Years later I call the bank inquiring as to why I am not getting the credit in which I should as to our mortgage? I never have never gifted nor sign anything to anyone. Therefore I am in need as to how this took place. The bank refuses to talk to be about it since the showing that I qualified for my mortgage that should have been paid off next year? When my husband and I where to refi, on a void agreement and still his wife, did not mean to add his girlfriend now wife to my house and take mine off. Where are my papers that I paid the bank off? I have many concerns as to how this happened? Thank you for possibly getting my answer in which I have every right to get. 
Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Product: Credit card

Avant XXXX XXXX XXXX issues XXXX XXXX XXXX XXXX ) to fair credit consumers @ {$300.00} / credit limit. Charges {$59.00} annual fee ( XXXX yr and increases fee after XXXX -- months. 
Irregularities with processing payment ; unauthorized ACH withdrawal from the consumer bank account, once Avant XXXX has consumers bank routing and account number ; consumer is vulnerable to unauthorized withdrawals. The XXXX  XXXX customer service number is answered by either entities involved with the ownership or persons trained to confuse the consumer with dates and amounts related to card balance or paid accounts that aren't reflected in credit bureau as paid. 
Avant LLC XXXX XXXX could be FDIC state chartered although there are suspicious activities as to how they are managing consumers accounts and bank accounts.
Product: Debt collection

Ive contacted disconnection agencies several times regarding my debt with no response back. The one time I make contact they told me to pay XXXX XXXX and they would remove the debt. I have no knowledge of this debt. Ive never been able to receive proof of the debt. Ive never received a letter in the mail regarding us at my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent Transunion a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these XXXX  are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Transunion the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks
Product: Credit card

When I was XXXXXXXX XXXX XXXX  months, somebody use my Zales credit card card spending {$3000.00} I didnt authorize no transactions, and I want it fixed and file it as a fraud and all this company did was blame me when you can clearly see on my credit I make all my payments on time
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I identified the following inaccuracies that need to be corrected or removed : Account Name : XXXX XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), under : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of the information reported.

2. 15 U.S.C. 1681i ( 5 ) : If an item is found to be inaccurate or unverifiable after a reinvestigation, it must be corrected or deleted promptly.

I request that you conduct a reinvestigation of this account and provide me with the results. If the information can not be verified or corrected, I request the immediate removal of this item from my credit report.

Requested Documentation : 1. Verification that the information reported is accurate.

2. Proof of any changes made following your reinvestigation.

Steps for Your Action : 1. Correct or delete this inaccurate information within 30 days.

2. Provide written confirmation of the actions taken and an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing that my XXXX store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.
Product: Debt collection

I have had numerous calls to my work by this debt collector. They have left messages with my mother that they will be coming to my work, and in their words " would not like what happens ''. I feel threatened on a daily basis that someone will show up at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished XXXX XXXX with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to Seaquim collections to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.
Product: Debt collection

I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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 XXXX 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: Credit reporting or other personal consumer reports

In the month of XXXX, I reported fraudulent accounts that were reporting to my Transunion credit profile, yet despite my efforts and attachment of supporting documents, I have not heard from Transunion despite over 90 days passing. In reflection to Cushman versus Trans Union XXXX, Transunion is supposed to ensure maximum possible accuracy The failure to have addressed these fraudulent accounts is a direct violation of 15 USC 1681eb and FCRA section 605b. I have attached the original Dispute as well as the supporting documents in regard to these two accounts.
Product: Mortgage

The borrowers have been paying diligently on an interest-only agreement since XXXX XXXX, XXXX. Per the hardship letter the monthly payment of {$2100.00} is difficult to pay during the remaining months of the interest-only period and will be even more difficult to pay after the period ends and the monthly payment increases XXXX XXXX, XXXX. So they submitted an XXXX to the lender. 

The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent. 
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills. 

The brrw submitted an appeal. The appeal is below : After reviewing the current Loan Modification Agreement it is my decision to appeal this offer for the following reason : Our XXXX agreement lead us back to this point because the payments were not fixed and continued to rise back towards the original payment. We are seeking a modification for a fixed term so that recurring foreclosure proceedings will be avoided. The offer presented to us pushes us back into foreclosure proceedings over time because the hardship is now permanent. 
We were unclear of the terms because at first glance it appeared that our rate was reduced to a price that was affordable reflected on the document dated XXXX XXXX, XXXX informing us of the XXXX original Loan Modification Agreements : ( pageXXXX XXXX ), however after reviewing the Loan Agreement on ( pageXXXX-XXXX ) we realized that as the rate increase that it will lead us back to our current state resorting towards foreclosure. 
As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure. 

The brrw is a XXXX Veteran and was advised by the Veterans Affairs office to seek assistance from the local Congressman 's office. The Congressman office sent the appeal to the servicer and within 3 weeks the appeal was rejected and denied by the investor. Because the hardship is now permanent, the brrws do not feel that this agreement is a fair proposal to help save this property from foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report.
Product: Credit card

Chase Sapphire Card ending in XXXX and Chase Freedom card ending in XXXX : I was charged a total of approximately $ XXXX by merchant XXXX. I raised a dispute and sent the attached document to Chase showing PROOF that XXXX AGREED and SIGNED a document stating he is RETURNING $ XXXX between these XXXX cards. Chase Disputes GAVE HIM THE MONEY BACK ANYWAY! Are we in the Twilight Zone? I have talked to Disputes for over XXXX weeks totalling about XXXX hours and also the Executive Team for over XXXX hours. I even conferernced the XXXX departments on the phone together. They either hang up on me or give me the run around and around and around and around. What a JOKE! They need to return that money back NOW! My Freedom card is MAXED OUT and I can not even purchase food!