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

I am submitting this complaint regarding a XXXX past due payment that was reported on my Barclays Bank Delaware account XXXX XX/XX/XXXX. I have been a loyal Barclays cardholder since XX/XX/XXXX and have maintained a consistent and responsible payment history for the past 6-7 years, with this being the only late payment on record.

At the time of the late payment, I encountered an isolated circumstance that led to the delay. However, since that event, I have taken proactive steps to ensure that it never happens again, including setting up automatic payments and payment reminders to maintain my excellent credit standing.

Unfortunately, this single 30-day late payment from XXXX continues to negatively impact my credit profile, limiting my ability to secure favorable financial opportunities such as lower interest rates and better loan terms. Given my long-standing history of responsible account management, I respectfully request a goodwill adjustment to remove the late payment from my credit report. 

This adjustment would not only reflect my overall commitment to responsible credit usage but also strengthen my continued relationship with Barclays. I appreciate Barclays history of working with customers who demonstrate responsible financial behavior, and I kindly ask for your consideration in removing the negative mark from my credit history as a goodwill gesture. 

I look forward to a favorable resolution and appreciate your time and assistance in this matter. Please provide confirmation once my request has been processed.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission XXXX
Product: Credit reporting or other personal consumer reports

Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax over a month ago to update my personal information and I havent received a response back yet.
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit bureaus for their continued violation of federal consumer protection laws by reporting false bankruptcy information on my credit file. This inaccurate reporting constitutes identity theft and misuse of my personal information. 

This issue has persisted for several months, despite multiple disputes I have filed with the credit bureaus requesting verification of the information. The credit bureaus have failed to provide any legitimate proof of how they obtained this record. To further investigate, I directly contacted the United States Bankruptcy Court for the XXXX XXXX XXXX Ohio, which is allegedly the source of this information. The court provided written confirmation stating they do not verify bankruptcy records for credit bureaus. This directly contradicts the credit bureaus claims and proves that they have been reporting unverified and inaccurate data. 

The credit bureaus have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Despite my disputes, the credit bureaus failed to conduct a reasonable reinvestigation and continued to report false information.

Reporting False Information 15 U.S.C. 1681e ( b ) : The credit bureaus are required to ensure maximum possible accuracy in consumer reports. By reporting a bankruptcy record that the court has not verified, they have violated this requirement.

Their actions violate privacy laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which restricts the permissible use of consumer information, and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6827 ), which mandates the protection of personal financial data. As a result, I have filed an identity theft complaint with the Federal Trade Commission ( FTC ) against the credit bureaus for their unlawful and unauthorized use of my personal information. 

The false bankruptcy record is was added to my credit report without my knowledge or consent. This constitutes identity theft, as the credit bureaus have illegally used my personal information to report inaccurate and damaging data. As a result, I have filed an identity theft complaint with the Federal Trade Commission ( FTC ) against the credit bureaus for their unlawful and unauthorized use of my personal information. 

Supporting Documentation I am attaching the following documents to support my complaint : Letter from the bankruptcy court confirming they do not verify records for credit bureaus. 
Previous dispute letters sent to the credit bureaus, demonstrating their failure to investigate. 
FTC identity theft report, documenting the unlawful use of my personal information.
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. 
XXXX  Acct # XXXXXXXX XXXX Acct # # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX. 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, credit repair services, or other personal consumer reports

Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX  XXXX  {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I checked my report for accuracy and saw an account for NATIONAL CREDIT SYSTEM from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. NCS agreed to delete the account from my reports.
Product: Credit reporting or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Credit reporting

I am a victim of identity theft. My personal information was stolen and were opened XXXX fraudulent accounts under my name. They are : XXXX XXXX XXXX ( account no : XXXX and XXXX XXXX Bank ( account no : XXXX ). I filed a police report at XXXX XXXX Police Department on XXXX XXXX, 2016 ( Report No : XXXX ) and submitted this identity theft report to the credit reporting agencies and the banks. The credit reporting agencies blocked and removed these XXXX fraudulent accounts. But recently, Experian credit reporting agency reinserted XXXX XXXX XXXX and XXXX XXXX Bank accounts back to my credit report. I called to Experian but Experian credit reporting agency denied my dispute explaining that they could not block again reinserted fraudulent account. Please help me to resolve this problem and remove this XXXX fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

Capital One states I owe therm {$420.00} on a credit card that they state I opened in  XX/2014 . Which could not happen being, i lost my job in  XX/2014 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} The XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX, balance {$0.00}, opened on XX/XX/XXXX XXXX XXXX XXXX XXXX {$95.00}, opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, balance {$1600.00}, opened on XX/XX/XXXX Complain has been filed at identitytheft.gov see attached file.
Product: Mortgage

AT THE END OF XX/XX/2021 WE CAME OUT OF A COVID FORBEARANCE. WE HAVE COMPLIED EVERY STEP OF THE WAY AND ARE MORE THAN CAPABLE OF RESUMING OUR MONTHLY MORTGAGE PAYMENT. THEY HAVE CONTINUED TO REQUEST ADDITIONAL DOCUMENTATION FOR OUR MORTGAGE ASSISTANCE APPLICATION. WE HAVE SENT EVERY PIECE OF DOCUMENTATION MULTIPLE TIMES AND THEN THEY WOULD TELL US THE DATES ARE EXPIRED AND WE WOULD RESEND EVERYTHING AGAIN. NOW THEY HAVE PUT XXXX IN ACTIVE FORECLOSURE. EVERYTIME WE CALL WE ARE TOLD SOMETHING DIFFERENT AND ARE PROMISED CALL BACKS AND NEVER GET ANY.
Product: Mortgage

Two incidents happened with this mortgage servicer - Fay Servicing. 
1. I made an on time payment in XX/XX/XXXX. It was received by Fay Servicing 1 day before the late date [ late date = XX/XX/XXXX ]. I have a date-stamped check proving that it was received by the company in time. I presented this information to them and they did not remove the late fee. Instead, they are assessing a late fee because their internal processing or payments takes a few days. That is not my fault, nor can I control anything that transpires inside Fay Servicing. I submitted my payment on time. 

2. I called Fay Servicing today because.. 
a. the website did not accept my username so I couldn't log in. Fay 's response was that I need to reset my password. My reply to that is that I can't log in, even with a new password, if the system doesn't allow me to use my username. I clicked " forgot username '' ( which I didn't ) and was sent an email with the username that I've always used. Fay 's reply was that they can't do anything and they have no department that fixes things like this.

b. I wanted to make sure my municipal taxes were scheduled to be paid on time so I called them. Fay has my tax due date in their system as XX/XX/XXXX, but the due date is actually XX/XX/XXXX. They said they can't change it because their screen says XX/XX/XXXX. I texted a photo of the tax bill showing the correct due date as XX/XX/XXXX. ( They said I couldn't email them ; only txt. ) They did not believe me and instead said they looked up on the municipal website to see that they can pay the bill on XX/XX/XXXX. The bill is DUE on XX/XX/XXXX and interest is added in 1 month increments BEGINNING XX/XX/XXXX. Fay said they won't be changing the due date in their system. My taxes have been paid very late a number of times in the 6 years that I've had them as my loan servicer. My homeowners insurance was also not paid until it lapsed twice. This means that I didn't have insurance coverage during that lapsed time period. Fay Servicing doesn't pay things on time and doesn't admit it when they make mistakes. They focus on getting that extra 2 days float with our money while customers suffer the consequences.
Product: Credit reporting

Hi, I would like my free annual credit report. I am ineligible for retirement benefits from the US Social Security System - hence the credit bureaus do not have a social security number ( SSN ) on file. 

I can not use the website ( XXXX ) or the automated telephone system ( XXXX ) since both require a SSN. When I eventually get to a human in the credit bureaus, they are unhelpful as they refuse to investigate to get my credit report from their system ( which requires a SSN ). It is very frustrating and time consuming. 

Please instruct all XXXX credit bureaus ( Experian, XXXX, XXXX XXXX, and XXXX to provide my free credit report. 

Thank you
Product: Mortgage

Trying to get pay off balance for a VA loan from Selene Finance and given conflicting answers and no follow up correspondence. I was told they can not send emails to confirm request was received as they monitor everything internally, so unfortunately they hold all access to information and you are unable to confirm its accuracy. Could not even produce amount of interest owed each day of loan. Our title office trying to conduct businesses with them have ran into several issues as well, such as being told no one monitors the fax anymore even though it is provided as an avenue of correspondence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

Thursday XX/XX/24, Midland Credit Managemenr illegally added a derogatory report to my credit file. This company must be stopped. They send emails to my personal email and harass for money. I do not pay collection agencies especially when I do not owe them. I need them to prove they have the right to contact me in Florida and that their statutes allow them to harass me for an old debt that was purchased by them. 

I have contacted their state Attorney General in their state to do the following : 1 ) inform Midland not to contact me about a debt due to the pandemic. Additionally, I have received no correspondence from this company. The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect and they are a illegal collection agency. They placed a collection on my credit report without communication with me. According to the Bureau of Consumer Protection their collection process is erroneous and Midland Credit Managemenr must prove they have a right to : 1 ) Add fees of their own to the payment believed to be owed 2 ) Collect from a consumer in the state of Florida. 3 ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 4 ) Prove they provided documents to me. 
If they continue to do illegal practices I will sue them in small claims court. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted soft pulls on my credit and constantly review my credit. This is harassment and illegal. 
I guess they figured theyd use a scare tactic but what they did is against the law.
Product: Debt collection

I owe a debt to XXXX XXXX. They turned the debt over to Portfolio Recovery Assoc Portfolio who continues to hound me at least weekly, at times more than once during the week They are having people call me from different numbers! Both myself and " XXXX  " on my phone continue to block these calls, yet they keep calling from other phone numbers. I have got very angry when I have answered and told the people to quit calling me, I have no extra money, and threatened to report this company. They are relentless and don't stop even after threatening to turn their company in. 

I have read blogs that other consumers are being continually harassed with Portfolio and company is using different people with different numbers as well.
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, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was completed 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: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. Equifax, XXXX, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. Equifax, XXXX XXXX XXXX, XXXX, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Mortgage

I requested to close my escrow account ( my mortgage is not paid off ). My request was granted, but they are charging me almost {$300.00} to do it. Is that a valid charge? I just want them to write me a check for my escrow balance.