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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Number XXXX. Chapter XXXX Bankruptcy Bankruptcy chapter XXXX XXXX ( successfully removed from XXXX and 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: Student loan

The Nelnet website is not allowing setup of monthly payments or single payment from XX/XX/XXXX to today XX/XX/XXXX and it is still an issue. I have waited hours on hold with customer service and there is no one picking up the line. It will soon impact my loan due date which is XX/XX/XXXX and I do not think I should be held accountable/penalized when I am doing everything I can to get in touch with the company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of the following account ( s ) that are currently listed on my credit report. Under the provisions of 15 U.S. Code 1681g, I request that you provide physical verification of the original signed consumer contracts for each of the following accounts : DEPT OF EDXXXX Partial Acct # XXXX DEPT OF EDXXXX Partial Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer, I am entitled to full and accurate disclosure of the information in my credit report, including the method and sources of information. I am concerned that fraudulent accounts may have been reported under my name, and therefore, I am requesting that you verify the authenticity of the reported accounts by providing physical copies of the original signed consumer contracts.

Without physical verification of these contracts, anyone paying for your reporting services could easily fax, mail, or email fraudulent account information, which could then be mistakenly reported on consumers ' credit reports. This lack of verification can lead to significant harm and undue hardship for consumers who are victims of identity theft or other forms of fraud.

Please take this letter as a formal request for the following actions : 1. Investigate and verify each account listed above through the physical examination of the original signed contracts.

2. Provide me with copies of these original signed contracts as proof of the validity of these accounts.

3. Remove any and all accounts that can not be verified with the original signed contracts from my credit report immediately.

In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation and respond to my request within 30 days. Please confirm in writing that you have received this request and outline the steps you will take to address my concerns. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I need to resubmit this complaint to EXPERIAN. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 

According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called XXXX, XXXX and TransUnion and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
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. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX # 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 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 ITEMS 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: Mortgage

On or about XX/XX/21 I started an application process with XXXX XXXX NMLS No. XXXX, Loan No. : XXXX. Each and every one of the requests received thru Octane were adhered to by me in a timely fashion. I advanced {$650.00} for an appraisal on my home in XXXX. I also paid for a pest inspection report and 3 different well water tests out of pocket. The appraisal was not performed until late XXXX. Now they are requesting a 4th well water test ; and, because the XXXX won't accept a pest inspection after 3 months, I have to pay again for all these reports. After 3 months their lock extension fees for the loan have gone up to {$3300.00}. The loan was at 2.25 % and now the interest rates have gone up so much that they exceed what my current XXXX loan is at. Furthermore, they can not seem to be able to secure the correct COE from the XXXX and want to charge me over {$10000.00} for XXXX funding which I will not owe to the XXXX. I am the surviving spouse of a 100 % XXXX XXXX XXXX veteran. Now, they refuse to return my calls or answer any of my communications to them trying to straighten out this mess and close the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus XXXX, Transunion and XXXX by mail regard the inaccuracies of this account. XXXX XXXX XXXX this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and Transunion This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
Product: Money transfer, virtual currency, or money service

Hello i am a client of Capital One XXXX acct # XXXX! ( XXXX XXXX XXXX ) A error was made where money was sent to a XXXX XXXX Acct.which ive been i contact withXXXX about various times to remove from my acct.! It wasnt. XXXX gave me the last 4 numbers of the acct where the money was sent. Ive struggle woth XXXX to find a location working Number to XXXX ( XXXX ). Calling i expressed the mistake and that i sought to retreive my money ( {$120.00} ). I explain that i was only given the last 4 numbers of this acct.. They explain to me they ned the full acct number. Refering me back to XXXX ( XXXX ) XXXX. XXXX would not give me the full acct number. Then refered me back to XXXX! 
Since that time i have exhaust my paitents with both Companies opening a new acct with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New york XXXX ( Routing # XXXX ) Acct # XXXX hoping to have XXXX transfer my money there ASAP! I had been told by XXXX that all i could do is wait (?! ) until XXXX sends the money back. i have no time to be a ping pong ball between these 2 companies! 
Thank You for you kind attention to my problem! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ny XXXX
Product: Debt collection

At XXXX XXXX on XX/XX/2017 ... We received yet another telephone call from ( XXXX ) XXXX. The caller ID listed the number as belonging to Portfolio Recovery. When the voicemail came on the caller hanged up. We immediately called the telephone number back. We spoke to a Representative that identified herself as being XXXX XXXX. I advised this Representative XXXX that earlier this date, I spoke with another Employee, namely XXXX XXXX. It was the same type caller showing the same caller ID ... ( Portfolio Recovery ... that hung-up when the voicemail answered the call at XXXX XXXX on this same date, XX/XX/2017. We have at least Three ( 3 ) calls this week from Portfolio Recovery. ( The numbers were ( XXXX ) XXXX ... @ XXXX XXXX and @ XXXX XXXX ... and ( XXXX ) XXXX @ XXXX on XX/XX/2017. ) After speaking with the last Representative XXXX, I requested to speak with a Supervisor. Minutes later a Supervisor whom identified himself and XXXX XXXX came on the call. I advised Him that I had requested earlier today that " NO MORE CALLS '' ... be made to Our number ... YET ... I received another just a few minutes ago. This is Telephone Harassment and I want this to cease.
Product: Checking or savings account

I went to branch to open a new checking account with a bonus code today, XX/XX/2018, at XXXX, and this account was successfully opend at around XXXX, and the banker gave me a welcome document case and told me how to sign up for the online bank. I went home around XXXX and tried to set up the online banking. Then I found the banker typed my cell phone with a wrong number, so I could not receive the text message. So I reqeust log in with security questions, and reset my cell phone numbers, then I was able to log in. But, the most ridiculous thing was, around XXXX, I received an email said " Access Denied for Funds Transfers '', so I tried to log in to my online banking again, and the system stated that my log in information did not match with the records. So I called the online banking department, and the representative told me that my checking account was already closed out based on the bank 's decision. It turns out that my checking account only survived for no more than 5 hours, and the bank just eat my two initial deposits and my bonus coupon code and killed the checking account at the same day due to the typo from the banker?!
Product: Debt collection

I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now 100 % covered by military XXXX, and I also work full time running my own XXXX. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Product: Mortgage

We took out a XXXX in XXXX with XXXX and paid it off 15 years ago in XXXX. GMAC went out of business and was purchased by XXXX XXXX. 

Effective XX/XX/XXXX, Ocwen Loan Servicing , LLC acquired certain assets of GMAC Mortgage , LLC, pursuant to a Sale Order entered in connection with the bankruptcy cases of XXXX XXXX XXXX XXXX and certain of its affiliated debtors. 

XXXX however failed to properly record the XXXXien release/payoff. I have my credit report showing the PAID IN FULL, as well as a Paid In Full document from GMAC Lien Release Department, yet neither XXXX  nor Ocwen Financial Corporation ( PHH Mortgage ) is extremely incompetent in following through on this. This is causing undue stress as I am attempting to refinance my property but can not until I receive the payoff. 

Ocwen Financial Corporation 's primary brands : PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage is one of the largest servicers in the country,
Product: Credit card or prepaid card

Accepted a 0 % APR FOR 15 months on balance transfers and purchases. The paperwork and card came in the mail with 0 % APR for 15 months on balance transfers and purchases. Called Capital One on XX/XX/XXXX and talked to agent to do balance transfer, was told I did not have a balance transfer offer. I could purchase with a 0 % APR for 15 months, but not do a balance transfer.
Product: Credit reporting or other personal consumer reports

Ive been calling everyday since XX/XX/year>. I paid for all 3 FICO scores and this is the error I keep getting : Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I do have a record and they will not share my FICO XXXX score only the other one. I keep telling them I need FICO XXXX because Im trying to purchase a house and was told no 8 times. Im losing this housing deal because they wont even give my score to the bank, they gave me the task to try and Im not getting anywhere with them. I called all 3 bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXXXXXX  taking direction from BMO bank rep, to payoff the boat loan the fastest way they walked me though a transfer. 

XX/XX/XXXX2024 that completed. 

It's now XXXX2024 and they still haven't competed the process. 

Several calls and hours later on the phone. I was told by the leader of account resolution told me it's still in process. 

This bank has poorly trained representatives, resolution leaders are it capable of finding resolution.
Product: Debt collection

One of National Small Loans ' representatives, XXXX XXXX, contacted my workplace by phone call on XX/XX/2022 at approximately XXXX XXXX XXXX, and identified the debt collector as National Small Loan. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

I have already sent a Revocation of Authority to Contact Third Parties on XX/XX/2022 and requested that third parties related to me not be contacted.
Product: Debt collection

I mailed a letter to Experian asking them to remove a collection from XXXX XXXX in the amount of {$3600.00} from my credit report. During the week of XXXX XXXX, I received a letter from Experian stating the debt is valid and they will not remove it. I disagree and would like to know how they came to this conclusion. I want the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax and XXXX continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : XXXX XXXX XXXX. I ( Account Number : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is seling incorrect information to XXXX and Experian. I have expressed to XXXX XXXX XXXX that I have an equitable interest in the note that is being used. XXXX and Experian are major data furnishers that are selling my information for gain which makes this a financial institution because their intent is to gain capital gains. I have trade repeatedly to get these companies to follow federal law.
Product: Mortgage

I made my mortgage payment over the phone with automated system and authorize them to charge withdrawal from my bank {$1700.00} for the month of XXXX but when i checked my bank statement they had withdrawal more than the amount i authorized which was {$1700.00}. By them doing this it put me on overdrawn on my account which i was then charge a {$30.00} courtesy fee. I called they said they were going to refund me the amount and i would get a call from someone to verify this but i never received a call. I called them today again and they say they no where in my account does it say i 'm getting refunded. This is not the only time i had to pay extra money because of them last year i had to pay penalty fees on the tax payment they did n't make.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that during a transaction in which we intended on purchasing our first home our financial information was disclosed to a third party without our consent. Our lender XXXX XXXX and the processor XXXX XXXX with Southwest Financial Funding in XXXX TN emailed our loan applications and other financial documents to XXXX XXXX, a real estate agent who was not our designated representative. We were unaware this had occurred until we were reviewing emails in preparation for a complaint against XXXX XXXX for violation Tennessee Codes Annotated and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during this transaction. 

Based on the attached email and content it is apparent that this is standard operating procedure for XXXX XXXX and XXXX XXXX during transactions so we must assume many others have been affected by this unlawful disclosure. Please note we are not uploading our financial documents for obvious reasons. We are only uploading the email showing them as attachments. We will however, forward this email to a member of your bureau directly should it be requested. 

It is very concerning to us that this type of behavior is apparently what they do in every transactions and subsequently the financial documents of many consumers have presumably been disclosed without their knowledge of approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose